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
3,292
508
3,800
13.37%
23.88%
2024
3,460
567
4,027
14.08%
23.31%
2023
3,539
409
3,948
10.36%
22.83%
2022
3,465
388
3,853
10.07%
23.10%
2021
3,182
335
3,517
9.53%
22.81%
2020
3,016
238
3,254
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
118
19
137
13.87%
49.08%
2024
113
23
136
16.91%
47.46%
2023
120
24
144
16.67%
47.29%
2022
140
24
164
14.63%
45.44%
2021
131
27
158
17.09%
44.40%
2020
106
16
122
13.11%
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
144
80
224
35.71%
42.44%
2024
181
70
251
27.89%
41.75%
2023
242
93
335
27.76%
38.64%
2022
257
85
342
24.85%
39.39%
2021
171
85
256
33.20%
40.41%
2020
201
91
292
31.16%
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
989
368
1,357
27.12%
38.98%
2024
1,060
382
1,442
26.49%
39.58%
2023
1,776
370
2,146
17.24%
36.96%
2022
1,285
344
1,629
21.12%
37.07%
2021
1,060
360
1,420
25.35%
39.17%
2020
1,356
306
1,662
18.41%
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
0
0
0.00%
13.25%
2024
0
1
1
100.00%
12.32%
2023
1
4
5
80.00%
16.34%
2022
2
4
6
66.67%
11.13%
2021
2
1
3
33.33%
18.93%
2020
3
4
7
57.14%
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
754
140
894
15.66%
45.21%
2024
846
158
1,004
15.74%
45.23%
2023
832
159
991
16.04%
44.64%
2022
777
156
933
16.72%
46.15%
2021
790
169
959
17.62%
46.87%
2020
831
125
956
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
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
6
4
10
40.00%
34.83%
2024
7
2
9
22.22%
35.33%
2023
9
2
11
18.18%
35.67%
2022
4
2
6
33.33%
37.14%
2021
4
1
5
20.00%
35.46%
2020
1
4
5
80.00%
33.86%