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
2024
1,155
807
1,962
41.13%
22.80%
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%
2019
1,875
2,004
3,879
51.66%
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
3,511
834
4,345
19.19%
47.78%
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%
2019
3,134
2,564
5,698
45.00%
44.33%
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
1,164
496
1,660
29.88%
41.49%
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%
2019
1,855
1,474
3,329
44.28%
43.30%
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
2024
4,929
549
5,478
10.02%
39.63%
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%
2019
1,042
181
1,223
14.80%
35.34%
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
19
7
26
26.92%
81.20%
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%
2019
8
27
35
77.14%
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
62
7
69
10.14%
12.77%
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%
2019
41
81
122
66.39%
16.90%
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
2024
0
0
0
0.00%
64.02%
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
2024
1,557
755
2,312
32.66%
35.29%
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%
2019
2,389
880
3,269
26.92%
34.01%