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
224
72
296
24.32%
23.88%
2024
154
50
204
24.51%
23.31%
2023
144
48
192
25.00%
22.83%
2022
96
30
126
23.81%
23.10%
2021
123
45
168
26.79%
22.81%
2020
120
39
159
24.53%
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
39
22
61
36.07%
49.08%
2024
30
19
49
38.78%
47.46%
2023
26
15
41
36.59%
47.29%
2022
17
10
27
37.04%
45.44%
2021
25
16
41
39.02%
44.40%
2020
25
12
37
32.43%
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
14
8
22
36.36%
42.44%
2024
14
6
20
30.00%
41.75%
2023
14
7
21
33.33%
38.64%
2022
14
5
19
26.32%
39.39%
2021
18
7
25
28.00%
40.41%
2020
15
9
24
37.50%
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
8
4
12
33.33%
38.98%
2024
10
5
15
33.33%
39.58%
2023
11
5
16
31.25%
36.96%
2022
7
4
11
36.36%
37.07%
2021
11
6
17
35.29%
39.17%
2020
13
7
20
35.00%
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
5
3
8
37.50%
13.25%
2024
5
4
9
44.44%
12.32%
2023
5
5
10
50.00%
16.34%
2022
3
2
5
40.00%
11.13%
2021
6
4
10
40.00%
18.93%
2020
6
3
9
33.33%
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
38
18
56
32.14%
45.21%
2024
26
17
43
39.53%
45.23%
2023
23
16
39
41.03%
44.64%
2022
14
9
23
39.13%
46.15%
2021
20
14
34
41.18%
46.87%
2020
20
13
33
39.39%
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
7
2
9
22.22%
34.83%
2024
11
7
18
38.89%
35.33%
2023
10
7
17
41.18%
35.67%
2022
3
3
6
50.00%
37.14%
2021
8
7
15
46.67%
35.46%
2020
10
6
16
37.50%
33.86%