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
135
36
171
21.05%
23.88%
2024
128
36
164
21.95%
23.31%
2023
127
32
159
20.13%
22.83%
2022
145
36
181
19.89%
23.10%
2021
142
73
215
33.95%
22.81%
2020
161
32
193
16.58%
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
16
10
26
38.46%
49.08%
2024
17
11
28
39.29%
47.46%
2023
29
14
43
32.56%
47.29%
2022
39
15
54
27.78%
45.44%
2021
37
35
72
48.61%
44.40%
2020
12
5
17
29.41%
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
12
11
23
47.83%
42.44%
2024
12
12
24
50.00%
41.75%
2023
18
14
32
43.75%
38.64%
2022
17
15
32
46.88%
39.39%
2021
16
20
36
55.56%
40.41%
2020
8
7
15
46.67%
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
33
16
49
32.65%
38.98%
2024
22
14
36
38.89%
39.58%
2023
32
12
44
27.27%
36.96%
2022
29
10
39
25.64%
37.07%
2021
29
13
42
30.95%
39.17%
2020
63
19
82
23.17%
35.42%
Other Liability: Claims Made
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
0
0
0
0.00%
83.87%
2024
0
0
0
0.00%
81.44%
2023
0
0
0
0.00%
74.87%
2022
0
0
0
0.00%
72.69%
2021
0
0
0
0.00%
79.01%
2020
0
0
0
0.00%
80.13%
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
0
0
0
0.00%
13.25%
2024
0
0
0
0.00%
12.32%
2023
0
0
0
0.00%
16.34%
2022
0
1
1
100.00%
11.13%
2021
0
0
0
0.00%
18.93%
2020
2
3
5
60.00%
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
29
6
35
17.14%
45.21%
2024
27
6
33
18.18%
45.23%
2023
17
5
22
22.73%
44.64%
2022
13
5
18
27.78%
46.15%
2021
13
8
21
38.10%
46.87%
2020
42
15
57
26.32%
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
0
0
0
0.00%
63.59%
2024
0
0
0
0.00%
63.97%
2023
0
0
0
0.00%
62.55%
2022
0
0
0
0.00%
56.52%
2021
0
0
0
0.00%
62.74%
2020
0
0
0
0.00%
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
166
57
223
25.56%
34.83%
2024
166
54
220
24.55%
35.33%
2023
163
47
210
22.38%
35.67%
2022
169
49
218
22.48%
37.14%
2021
178
51
229
22.27%
35.46%
2020
172
42
214
19.63%
33.86%