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
12,800
2,287
15,087
15.16%
23.88%
2024
13,066
2,009
15,075
13.33%
23.31%
2023
13,409
2,209
15,618
14.14%
22.83%
2022
13,005
2,355
15,360
15.33%
23.10%
2021
13,419
2,303
15,722
14.65%
22.81%
2020
11,311
2,346
13,657
17.18%
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
323
67
390
17.18%
49.08%
2024
314
58
372
15.59%
47.46%
2023
293
68
361
18.84%
47.29%
2022
295
92
387
23.77%
45.44%
2021
289
72
361
19.94%
44.40%
2020
293
99
392
25.26%
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
157
52
209
24.88%
42.44%
2024
185
79
264
29.92%
41.75%
2023
165
52
217
23.96%
38.64%
2022
198
36
234
15.38%
39.39%
2021
167
37
204
18.14%
40.41%
2020
158
46
204
22.55%
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
4,514
1,153
5,667
20.35%
38.98%
2024
5,720
1,838
7,558
24.32%
39.58%
2023
5,104
2,062
7,166
28.77%
36.96%
2022
5,366
1,457
6,823
21.35%
37.07%
2021
5,063
1,061
6,124
17.33%
39.17%
2020
4,445
759
5,204
14.58%
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
2020
0
1
1
100.00%
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
50
6
56
10.71%
13.25%
2024
48
5
53
9.43%
12.32%
2023
51
5
56
8.93%
16.34%
2022
53
2
55
3.64%
11.13%
2021
43
15
58
25.86%
18.93%
2020
34
18
52
34.62%
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
2,928
759
3,687
20.59%
45.21%
2024
3,167
789
3,956
19.94%
45.23%
2023
3,182
705
3,887
18.14%
44.64%
2022
2,909
756
3,665
20.63%
46.15%
2021
3,037
847
3,884
21.81%
46.87%
2020
2,827
829
3,656
22.68%
43.90%
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
7
2
9
22.22%
63.59%
2024
3
0
3
0.00%
63.97%
2023
5
0
5
0.00%
62.55%
2022
4
1
5
20.00%
56.52%
2021
1
1
2
50.00%
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
40
0
40
0.00%
34.83%
2024
52
0
52
0.00%
35.33%
2023
33
0
33
0.00%
35.67%
2022
37
0
37
0.00%
37.14%
2021
57
0
57
0.00%
35.46%
2020
31
0
31
0.00%
33.86%