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
										2024
									
									
										4
									
									
										10
									
									
										14
									
									
										71.43%
									
									
										23.31%
									
								
										2023
									
									
										28
									
									
										25
									
									
										53
									
									
										47.17%
									
									
										22.83%
									
								
										2022
									
									
										78
									
									
										85
									
									
										163
									
									
										52.15%
									
									
										23.10%
									
								
										2021
									
									
										111
									
									
										75
									
									
										186
									
									
										40.32%
									
									
										22.81%
									
								
										2020
									
									
										260
									
									
										159
									
									
										419
									
									
										37.95%
									
									
										21.51%
									
								
										2019
									
									
										531
									
									
										395
									
									
										926
									
									
										42.66%
									
									
										22.66%
									
								
										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
										2024
									
									
										6
									
									
										15
									
									
										21
									
									
										71.43%
									
									
										47.45%
									
								
										2023
									
									
										52
									
									
										28
									
									
										80
									
									
										35.00%
									
									
										47.29%
									
								
										2022
									
									
										98
									
									
										109
									
									
										207
									
									
										52.66%
									
									
										45.44%
									
								
										2021
									
									
										194
									
									
										109
									
									
										303
									
									
										35.97%
									
									
										44.40%
									
								
										2020
									
									
										460
									
									
										238
									
									
										698
									
									
										34.10%
									
									
										42.45%
									
								
										2019
									
									
										844
									
									
										480
									
									
										1,324
									
									
										36.25%
									
									
										44.33%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										41.74%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										38.64%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										39.39%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										40.41%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										48.09%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										43.30%
									
								
										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
										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%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										77.47%
									
								
										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
										2024
									
									
										13
									
									
										14
									
									
										27
									
									
										51.85%
									
									
										12.32%
									
								
										2023
									
									
										10
									
									
										13
									
									
										23
									
									
										56.52%
									
									
										16.34%
									
								
										2022
									
									
										11
									
									
										20
									
									
										31
									
									
										64.52%
									
									
										11.13%
									
								
										2021
									
									
										37
									
									
										45
									
									
										82
									
									
										54.88%
									
									
										18.93%
									
								
										2020
									
									
										78
									
									
										66
									
									
										144
									
									
										45.83%
									
									
										20.93%
									
								
										2019
									
									
										175,297
									
									
										119
									
									
										175,416
									
									
										0.07%
									
									
										16.90%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										63.97%
									
								
										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
										2024
									
									
										52
									
									
										27
									
									
										79
									
									
										34.18%
									
									
										35.33%
									
								
										2023
									
									
										126
									
									
										53
									
									
										179
									
									
										29.61%
									
									
										35.67%
									
								
										2022
									
									
										255
									
									
										59
									
									
										314
									
									
										18.79%
									
									
										37.14%
									
								
										2021
									
									
										512
									
									
										131
									
									
										643
									
									
										20.37%
									
									
										35.46%
									
								
										2020
									
									
										906
									
									
										217
									
									
										1,123
									
									
										19.32%
									
									
										33.86%
									
								
										2019
									
									
										1,563
									
									
										256
									
									
										1,819
									
									
										14.07%
									
									
										34.01%