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
2,329
186
2,515
7.40%
23.88%
2024
2,578
195
2,773
7.03%
23.31%
2023
2,771
208
2,979
6.98%
22.83%
2022
2,741
215
2,956
7.27%
23.10%
2021
2,450
181
2,631
6.88%
22.81%
2020
2,151
159
2,310
6.88%
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
62
125
187
66.84%
49.08%
2024
63
114
177
64.41%
47.46%
2023
65
104
169
61.54%
47.29%
2022
62
92
154
59.74%
45.44%
2021
63
79
142
55.63%
44.40%
2020
72
80
152
52.63%
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
39
50
89
56.18%
42.44%
2024
50
52
102
50.98%
41.75%
2023
57
54
111
48.65%
38.64%
2022
55
51
106
48.11%
39.39%
2021
63
64
127
50.39%
40.41%
2020
69
109
178
61.24%
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
541
28
569
4.92%
38.98%
2024
755
40
795
5.03%
39.58%
2023
823
54
877
6.16%
36.96%
2022
671
43
714
6.02%
37.07%
2021
714
50
764
6.54%
39.17%
2020
697
34
731
4.65%
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
1
0
1
0.00%
83.87%
2024
1
0
1
0.00%
81.44%
2023
1
0
1
0.00%
74.87%
2022
1
0
1
0.00%
72.69%
2021
1
0
1
0.00%
79.01%
2020
1
0
1
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
3
23
26
88.46%
13.25%
2024
3
24
27
88.89%
12.32%
2023
2
20
22
90.91%
16.34%
2022
2
17
19
89.47%
11.13%
2021
2
10
12
83.33%
18.93%
2020
3
7
10
70.00%
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
368
88
456
19.30%
45.21%
2024
394
103
497
20.72%
45.23%
2023
422
102
524
19.47%
44.64%
2022
394
113
507
22.29%
46.15%
2021
366
84
450
18.67%
46.87%
2020
345
61
406
15.02%
43.90%
Product 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%
84.76%
2024
0
0
0
0.00%
84.35%
2023
0
0
0
0.00%
68.07%
2022
0
0
0
0.00%
77.84%
2021
0
0
0
0.00%
84.45%
2020
0
0
0
0.00%
83.02%
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
160
57
217
26.27%
34.83%
2024
164
54
218
24.77%
35.33%
2023
164
50
214
23.36%
35.67%
2022
174
63
237
26.58%
37.14%
2021
174
25
199
12.56%
35.46%
2020
167
51
218
23.39%
33.86%