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
4,512
372
4,884
7.62%
23.88%
2024
4,987
383
5,370
7.13%
23.31%
2023
5,351
414
5,765
7.18%
22.83%
2022
5,299
420
5,719
7.34%
23.10%
2021
4,737
359
5,096
7.04%
22.81%
2020
4,158
317
4,475
7.08%
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
138
258
396
65.15%
49.08%
2024
138
230
368
62.50%
47.46%
2023
139
217
356
60.96%
47.29%
2022
132
194
326
59.51%
45.44%
2021
135
166
301
55.15%
44.40%
2020
151
169
320
52.81%
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
81
104
185
56.22%
42.44%
2024
102
117
219
53.42%
41.75%
2023
112
115
227
50.66%
38.64%
2022
120
107
227
47.14%
39.39%
2021
132
126
258
48.84%
40.41%
2020
133
218
351
62.11%
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
1,040
53
1,093
4.85%
38.98%
2024
1,457
82
1,539
5.33%
39.58%
2023
1,583
107
1,690
6.33%
36.96%
2022
1,295
83
1,378
6.02%
37.07%
2021
1,374
97
1,471
6.59%
39.17%
2020
1,335
67
1,402
4.78%
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
3
0
3
0.00%
83.87%
2024
2
0
2
0.00%
81.44%
2023
2
0
2
0.00%
74.87%
2022
2
0
2
0.00%
72.69%
2021
2
0
2
0.00%
79.01%
2020
2
0
2
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
9
46
55
83.64%
13.25%
2024
7
44
51
86.27%
12.32%
2023
7
42
49
85.71%
16.34%
2022
8
36
44
81.82%
11.13%
2021
10
18
28
64.29%
18.93%
2020
10
21
31
67.74%
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
710
174
884
19.68%
45.21%
2024
759
200
959
20.86%
45.23%
2023
814
202
1,016
19.88%
44.64%
2022
760
217
977
22.21%
46.15%
2021
708
165
873
18.90%
46.87%
2020
664
125
789
15.84%
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
339
113
452
25.00%
34.83%
2024
341
110
451
24.39%
35.33%
2023
353
108
461
23.43%
35.67%
2022
364
139
503
27.63%
37.14%
2021
366
64
430
14.88%
35.46%
2020
344
111
455
24.40%
33.86%