NorGUARD Ins Co
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
983
965
1,948
49.54%
23.88%
2024
1,155
807
1,962
41.13%
23.31%
2023
2,488
1,154
3,642
31.69%
22.83%
2022
2,355
2,115
4,470
47.32%
23.10%
2021
1,898
2,145
4,043
53.05%
22.81%
2020
2,266
2,501
4,767
52.46%
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
1,296
1,045
2,341
44.64%
49.08%
2024
3,511
834
4,345
19.19%
47.46%
2023
2,464
1,367
3,831
35.68%
47.29%
2022
2,068
2,110
4,178
50.50%
45.44%
2021
1,178
1,512
2,690
56.21%
44.40%
2020
2,872
3,592
6,464
55.57%
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
488
191
679
28.13%
42.44%
2024
1,164
496
1,660
29.88%
41.75%
2023
1,387
891
2,278
39.11%
38.64%
2022
1,977
1,851
3,828
48.35%
39.39%
2021
2,394
1,883
4,277
44.03%
40.41%
2020
2,016
2,826
4,842
58.36%
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
1,523
198
1,721
11.50%
38.98%
2024
4,929
549
5,478
10.02%
39.58%
2023
5,241
825
6,066
13.60%
36.96%
2022
3,837
760
4,597
16.53%
37.07%
2021
4,302
798
5,100
15.65%
39.17%
2020
1,451
871
2,322
37.51%
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
4
14
18
77.78%
83.87%
2024
19
7
26
26.92%
81.44%
2023
2
17
19
89.47%
74.87%
2022
5
9
14
64.29%
72.69%
2021
39
17
56
30.36%
79.01%
2020
5
50
55
90.91%
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
18
37
48.65%
13.25%
2024
62
7
69
10.14%
12.32%
2023
51
76
127
59.84%
16.34%
2022
41
54
95
56.84%
11.13%
2021
108
22
130
16.92%
18.93%
2020
70
127
197
64.47%
20.93%
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%
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
1,216
511
1,727
29.59%
34.83%
2024
1,557
755
2,312
32.66%
35.33%
2023
1,692
877
2,569
34.14%
35.67%
2022
1,981
1,258
3,239
38.84%
37.14%
2021
2,430
920
3,350
27.46%
35.46%
2020
2,133
243
2,376
10.23%
33.86%