Rating Date
October 2025
NAIC
Classification
Classification
Risk Adjusted
Capital Ratio #1
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Capital Ratio #2
Loss
Ratio
Ratio
Total
Assets
Assets
Capital
Net
Premiums
Premiums
Net
Income
Income
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
2024
126
75
201
37.31%
23.31%
2023
126
55
181
30.39%
22.83%
2022
142
69
211
32.70%
23.10%
2021
75
38
113
33.63%
22.81%
2020
176
58
234
24.79%
21.51%
2019
121
35
156
22.44%
22.66%
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
2024
0
13
13
100.00%
47.45%
2023
0
12
12
100.00%
47.29%
2022
0
6
6
100.00%
45.44%
2021
0
5
5
100.00%
44.40%
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
2024
21
34
55
61.82%
41.74%
2023
18
111
129
86.05%
38.64%
2022
29
124
153
81.05%
39.39%
2021
109
112
221
50.68%
40.41%
2020
111
108
219
49.32%
48.09%
2019
41
34
75
45.33%
43.30%
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
2024
28
140
168
83.33%
81.44%
2023
54
91
145
62.76%
74.87%
2022
10
45
55
81.82%
72.69%
2021
1
64
65
98.46%
79.01%
2020
0
52
52
100.00%
80.13%
2019
1
41
42
97.62%
77.47%
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
2024
102
196
298
65.77%
12.32%
2023
116
309
425
72.71%
16.34%
2022
86
291
377
77.19%
11.13%
2021
80
166
246
67.48%
18.93%
2020
143
256
399
64.16%
20.93%
2019
357
622
979
63.53%
16.90%