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
6,383
968
7,351
13.17%
23.88%
2024
7,285
1,021
8,306
12.29%
23.31%
2023
8,009
1,133
9,142
12.39%
22.83%
2022
7,801
1,254
9,055
13.85%
23.10%
2021
7,581
971
8,552
11.35%
22.81%
2020
7,205
950
8,155
11.65%
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
298
267
565
47.26%
49.08%
2024
285
271
556
48.74%
47.46%
2023
256
237
493
48.07%
47.29%
2022
244
230
474
48.52%
45.44%
2021
219
217
436
49.77%
44.40%
2020
261
275
536
51.31%
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
572
624
1,196
52.17%
42.44%
2024
763
751
1,514
49.60%
41.75%
2023
712
696
1,408
49.43%
38.64%
2022
690
630
1,320
47.73%
39.39%
2021
851
746
1,597
46.71%
40.41%
2020
826
1,504
2,330
64.55%
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
1,083
754
1,837
41.05%
38.98%
2024
1,201
922
2,123
43.43%
39.58%
2023
1,330
993
2,323
42.75%
36.96%
2022
1,090
944
2,034
46.41%
37.07%
2021
1,366
1,199
2,565
46.74%
39.17%
2020
1,716
1,315
3,031
43.39%
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
1
10
11
90.91%
83.87%
2024
0
0
0
0.00%
81.44%
2023
1
7
8
87.50%
74.87%
2022
1
4
5
80.00%
72.69%
2021
3
6
9
66.67%
79.01%
2020
-1
5
4
125.00%
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
19
51
70
72.86%
13.25%
2024
18
62
80
77.50%
12.32%
2023
17
79
96
82.29%
16.34%
2022
21
74
95
77.89%
11.13%
2021
20
90
110
81.82%
18.93%
2020
25
88
113
77.88%
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
1,703
886
2,589
34.22%
45.21%
2024
1,878
952
2,830
33.64%
45.23%
2023
1,873
1,056
2,929
36.05%
44.64%
2022
1,830
1,088
2,918
37.29%
46.15%
2021
1,825
969
2,794
34.68%
46.87%
2020
1,905
874
2,779
31.45%
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
2
7
9
77.78%
63.59%
2024
2
7
9
77.78%
63.97%
2023
1
5
6
83.33%
62.55%
2022
1
6
7
85.71%
56.52%
2021
2
9
11
81.82%
62.74%
2020
2
7
9
77.78%
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
1,941
1,362
3,303
41.24%
34.83%
2024
1,925
1,373
3,298
41.63%
35.33%
2023
1,898
1,436
3,334
43.07%
35.67%
2022
1,825
1,375
3,200
42.97%
37.14%
2021
1,686
1,187
2,873
41.32%
35.46%
2020
1,458
1,026
2,484
41.30%
33.86%