Auto Physical Damage
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
1,110
783
1,893
41.36%
23.88%
2024
1,237
842
2,079
40.50%
23.31%
2023
1,214
780
1,994
39.12%
22.83%
2022
1,339
807
2,146
37.60%
23.10%
2021
1,214
760
1,974
38.50%
22.81%
2020
1,217
615
1,832
33.57%
21.51%
Commercial Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
229
90
319
28.21%
49.08%
2024
270
129
399
32.33%
47.46%
2023
221
94
315
29.84%
47.29%
2022
239
99
338
29.29%
45.44%
2021
213
129
342
37.72%
44.40%
2020
233
97
330
29.39%
42.45%
Commercial Multiple Peril
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
74
49
123
39.84%
42.44%
2024
80
49
129
37.98%
41.75%
2023
90
76
166
45.78%
38.64%
2022
78
63
141
44.68%
39.39%
2021
121
76
197
38.58%
40.41%
2020
82
62
144
43.06%
48.09%
Homeowners & Farmowners
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
332
161
493
32.66%
38.98%
2024
437
180
617
29.17%
39.58%
2023
660
328
988
33.20%
36.96%
2022
508
244
752
32.45%
37.07%
2021
556
202
758
26.65%
39.17%
2020
527
123
650
18.92%
35.42%
Other Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
21
8
29
27.59%
13.25%
2024
16
11
27
40.74%
12.32%
2023
26
27
53
50.94%
16.34%
2022
19
16
35
45.71%
11.13%
2021
13
31
44
70.45%
18.93%
2020
19
19
38
50.00%
20.93%
Private Passenger Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
450
201
651
30.88%
45.21%
2024
470
175
645
27.13%
45.23%
2023
376
159
535
29.72%
44.64%
2022
411
131
542
24.17%
46.15%
2021
370
126
496
25.40%
46.87%
2020
457
175
632
27.69%
43.90%
Product Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
2
4
6
66.67%
63.59%
2024
4
6
10
60.00%
63.97%
2023
2
3
5
60.00%
62.55%
2022
2
5
7
71.43%
56.52%
2021
0
6
6
100.00%
62.74%
2020
3
5
8
62.50%
61.51%
Workers' Compensation
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
335
57
392
14.54%
34.83%
2024
290
105
395
26.58%
35.33%
2023
294
212
506
41.90%
35.67%
2022
284
199
483
41.20%
37.14%
2021
281
174
455
38.24%
35.46%
2020
285
146
431
33.87%
33.86%