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
2,096
166
2,262
7.34%
23.88%
2024
2,321
173
2,494
6.94%
23.31%
2023
2,492
186
2,678
6.95%
22.83%
2022
2,470
190
2,660
7.14%
23.10%
2021
2,205
163
2,368
6.88%
22.81%
2020
1,933
138
2,071
6.66%
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
53
111
164
67.68%
49.08%
2024
57
100
157
63.69%
47.46%
2023
58
94
152
61.84%
47.29%
2022
56
83
139
59.71%
45.44%
2021
56
68
124
54.84%
44.40%
2020
63
70
133
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
33
40
73
54.79%
42.44%
2024
44
46
90
51.11%
41.75%
2023
50
45
95
47.37%
38.64%
2022
47
42
89
47.19%
39.39%
2021
54
60
114
52.63%
40.41%
2020
63
94
157
59.87%
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
484
25
509
4.91%
38.98%
2024
680
37
717
5.16%
39.58%
2023
740
47
787
5.97%
36.96%
2022
607
38
645
5.89%
37.07%
2021
641
45
686
6.56%
39.17%
2020
625
30
655
4.58%
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
19
22
86.36%
13.25%
2024
3
19
22
86.36%
12.32%
2023
2
16
18
88.89%
16.34%
2022
2
15
17
88.24%
11.13%
2021
2
7
9
77.78%
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
331
79
410
19.27%
45.21%
2024
353
92
445
20.67%
45.23%
2023
380
92
472
19.49%
44.64%
2022
354
101
455
22.20%
46.15%
2021
331
76
407
18.67%
46.87%
2020
310
56
366
15.30%
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
148
48
196
24.49%
34.83%
2024
148
45
193
23.32%
35.33%
2023
151
46
197
23.35%
35.67%
2022
151
58
209
27.75%
37.14%
2021
147
19
166
11.45%
35.46%
2020
143
42
185
22.70%
33.86%