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
571
41
612
6.70%
23.88%
2024
641
42
683
6.15%
23.31%
2023
688
50
738
6.78%
22.83%
2022
678
45
723
6.22%
23.10%
2021
607
39
646
6.04%
22.81%
2020
531
33
564
5.85%
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
13
27
40
67.50%
49.08%
2024
13
24
37
64.86%
47.46%
2023
14
23
37
62.16%
47.29%
2022
13
20
33
60.61%
45.44%
2021
13
17
30
56.67%
44.40%
2020
14
16
30
53.33%
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
5
7
12
58.33%
42.44%
2024
7
10
17
58.82%
41.75%
2023
8
8
16
50.00%
38.64%
2022
8
8
16
50.00%
39.39%
2021
10
9
19
47.37%
40.41%
2020
11
20
31
64.52%
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
133
7
140
5.00%
38.98%
2024
185
10
195
5.13%
39.58%
2023
203
12
215
5.58%
36.96%
2022
166
10
176
5.68%
37.07%
2021
178
11
189
5.82%
39.17%
2020
170
8
178
4.49%
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
4
4
100.00%
13.25%
2024
0
3
3
100.00%
12.32%
2023
0
4
4
100.00%
16.34%
2022
0
4
4
100.00%
11.13%
2021
0
1
1
100.00%
18.93%
2020
0
1
1
100.00%
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
92
23
115
20.00%
45.21%
2024
98
24
122
19.67%
45.23%
2023
105
23
128
17.97%
44.64%
2022
97
26
123
21.14%
46.15%
2021
90
21
111
18.92%
46.87%
2020
85
16
101
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
32
4
36
11.11%
34.83%
2024
35
3
38
7.89%
35.33%
2023
35
4
39
10.26%
35.67%
2022
36
6
42
14.29%
37.14%
2021
34
0
34
0.00%
35.46%
2020
32
4
36
11.11%
33.86%