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
25,881
2,241
28,122
7.97%
23.88%
2024
28,626
2,276
30,902
7.37%
23.31%
2023
30,727
2,466
33,193
7.43%
22.83%
2022
30,418
2,492
32,910
7.57%
23.10%
2021
27,189
2,139
29,328
7.29%
22.81%
2020
23,877
1,902
25,779
7.38%
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
854
1,567
2,421
64.73%
49.08%
2024
847
1,407
2,254
62.42%
47.46%
2023
859
1,319
2,178
60.56%
47.29%
2022
817
1,197
2,014
59.43%
45.44%
2021
832
1,037
1,869
55.48%
44.40%
2020
909
1,054
1,963
53.69%
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
533
641
1,174
54.60%
42.44%
2024
642
710
1,352
52.51%
41.75%
2023
693
703
1,396
50.36%
38.64%
2022
699
666
1,365
48.79%
39.39%
2021
775
802
1,577
50.86%
40.41%
2020
817
1,297
2,114
61.35%
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
5,957
317
6,274
5.05%
38.98%
2024
8,340
472
8,812
5.36%
39.58%
2023
9,065
613
9,678
6.33%
36.96%
2022
7,428
488
7,916
6.16%
37.07%
2021
7,870
572
8,442
6.78%
39.17%
2020
7,657
393
8,050
4.88%
35.42%
Medical Professional 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
2023
0
0
0
0.00%
92.52%
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
18
9
27
33.33%
83.87%
2024
15
7
22
31.82%
81.44%
2023
12
8
20
40.00%
74.87%
2022
13
6
19
31.58%
72.69%
2021
12
5
17
29.41%
79.01%
2020
12
5
17
29.41%
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
68
324
392
82.65%
13.25%
2024
66
315
381
82.68%
12.32%
2023
61
292
353
82.72%
16.34%
2022
69
271
340
79.71%
11.13%
2021
75
163
238
68.49%
18.93%
2020
79
147
226
65.04%
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
4,072
995
5,067
19.64%
45.21%
2024
4,351
1,145
5,496
20.83%
45.23%
2023
4,662
1,151
5,813
19.80%
44.64%
2022
4,354
1,243
5,597
22.21%
46.15%
2021
4,059
949
5,008
18.95%
46.87%
2020
3,815
709
4,524
15.67%
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
3
13
16
81.25%
63.59%
2024
2
15
17
88.24%
63.97%
2023
2
12
14
85.71%
62.55%
2022
3
9
12
75.00%
56.52%
2021
3
5
8
62.50%
62.74%
2020
5
6
11
54.55%
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
2,030
767
2,797
27.42%
34.83%
2024
2,051
769
2,820
27.27%
35.33%
2023
2,086
756
2,842
26.60%
35.67%
2022
2,154
895
3,049
29.35%
37.14%
2021
2,149
454
2,603
17.44%
35.46%
2020
2,057
733
2,790
26.27%
33.86%