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
2,394
363
2,757
13.17%
23.88%
2024
2,717
384
3,101
12.38%
23.31%
2023
3,003
425
3,428
12.40%
22.83%
2022
2,925
470
3,395
13.84%
23.10%
2021
2,843
364
3,207
11.35%
22.81%
2020
2,702
356
3,058
11.64%
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
112
100
212
47.17%
49.08%
2024
107
102
209
48.80%
47.46%
2023
96
89
185
48.11%
47.29%
2022
91
86
177
48.59%
45.44%
2021
82
81
163
49.69%
44.40%
2020
98
103
201
51.24%
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
214
234
448
52.23%
42.44%
2024
286
282
568
49.65%
41.75%
2023
267
261
528
49.43%
38.64%
2022
259
236
495
47.68%
39.39%
2021
319
280
599
46.74%
40.41%
2020
310
564
874
64.53%
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
406
283
689
41.07%
38.98%
2024
450
346
796
43.47%
39.58%
2023
499
372
871
42.71%
36.96%
2022
409
354
763
46.40%
37.07%
2021
512
450
962
46.78%
39.17%
2020
644
493
1,137
43.36%
35.42%
Medical Professional 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%
95.15%
2024
0
0
0
0.00%
96.08%
2023
0
0
0
0.00%
95.22%
2022
0
0
0
0.00%
96.00%
2021
0
0
0
0.00%
93.58%
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
2025
0
0
0
0.00%
94.16%
2024
0
0
0
0.00%
92.29%
2023
0
0
0
0.00%
92.52%
2022
0
0
0
0.00%
92.14%
2021
0
0
0
0.00%
91.74%
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
4
4
100.00%
83.87%
2024
0
0
0
0.00%
81.44%
2023
0
3
3
100.00%
74.87%
2022
0
2
2
100.00%
72.69%
2021
1
2
3
66.67%
79.01%
2020
0
2
2
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
7
19
26
73.08%
13.25%
2024
7
23
30
76.67%
12.32%
2023
6
30
36
83.33%
16.34%
2022
8
28
36
77.78%
11.13%
2021
7
34
41
82.93%
18.93%
2020
10
33
43
76.74%
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
639
332
971
34.19%
45.21%
2024
679
357
1,036
34.46%
45.23%
2023
702
396
1,098
36.07%
44.64%
2022
686
408
1,094
37.29%
46.15%
2021
684
363
1,047
34.67%
46.87%
2020
714
328
1,042
31.48%
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
1
2
3
66.67%
63.59%
2024
1
2
3
66.67%
63.97%
2023
0
2
2
100.00%
62.55%
2022
0
2
2
100.00%
56.52%
2021
1
3
4
75.00%
62.74%
2020
1
3
4
75.00%
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
728
511
1,239
41.24%
34.83%
2024
722
515
1,237
41.63%
35.33%
2023
712
539
1,251
43.09%
35.67%
2022
684
516
1,200
43.00%
37.14%
2021
632
445
1,077
41.32%
35.46%
2020
547
385
932
41.31%
33.86%