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
4,526
699
5,225
13.38%
23.88%
2024
4,757
780
5,537
14.09%
23.31%
2023
4,866
562
5,428
10.35%
22.83%
2022
4,765
534
5,299
10.08%
23.10%
2021
4,375
460
4,835
9.51%
22.81%
2020
4,146
327
4,473
7.31%
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
163
26
189
13.76%
49.08%
2024
155
31
186
16.67%
47.46%
2023
164
33
197
16.75%
47.29%
2022
193
34
227
14.98%
45.44%
2021
180
37
217
17.05%
44.40%
2020
146
21
167
12.57%
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
197
109
306
35.62%
42.44%
2024
249
97
346
28.03%
41.75%
2023
333
128
461
27.77%
38.64%
2022
353
117
470
24.89%
39.39%
2021
235
117
352
33.24%
40.41%
2020
276
125
401
31.17%
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
1,360
507
1,867
27.16%
38.98%
2024
1,458
526
1,984
26.51%
39.58%
2023
2,443
508
2,951
17.21%
36.96%
2022
1,767
474
2,241
21.15%
37.07%
2021
1,457
495
1,952
25.36%
39.17%
2020
1,865
421
2,286
18.42%
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
1
1
100.00%
83.87%
2024
1
0
1
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
0
0
0.00%
13.25%
2024
0
2
2
100.00%
12.32%
2023
2
5
7
71.43%
16.34%
2022
2
6
8
75.00%
11.13%
2021
3
1
4
25.00%
18.93%
2020
4
5
9
55.56%
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
1,036
193
1,229
15.70%
45.21%
2024
1,163
217
1,380
15.72%
45.23%
2023
1,143
218
1,361
16.02%
44.64%
2022
1,068
215
1,283
16.76%
46.15%
2021
1,087
233
1,320
17.65%
46.87%
2020
1,143
172
1,315
13.08%
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
0
0
0
0.00%
63.59%
2024
1
0
1
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
9
5
14
35.71%
34.83%
2024
9
3
12
25.00%
35.33%
2023
12
3
15
20.00%
35.67%
2022
6
3
9
33.33%
37.14%
2021
5
1
6
16.67%
35.46%
2020
2
5
7
71.43%
33.86%