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
103
6
109
5.50%
23.88%
2024
131
7
138
5.07%
23.31%
2023
143
10
153
6.54%
22.83%
2022
132
6
138
4.35%
23.10%
2021
124
8
132
6.06%
22.81%
2020
115
7
122
5.74%
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
3
0
3
0.00%
49.08%
2024
3
0
3
0.00%
47.46%
2023
2
0
2
0.00%
47.29%
2022
3
0
3
0.00%
45.44%
2021
3
0
3
0.00%
44.40%
2020
3
0
3
0.00%
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
4
1
5
20.00%
42.44%
2024
5
1
6
16.67%
41.75%
2023
5
1
6
16.67%
38.64%
2022
4
1
5
20.00%
39.39%
2021
4
1
5
20.00%
40.41%
2020
3
1
4
25.00%
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
52
7
59
11.86%
38.98%
2024
64
10
74
13.51%
39.58%
2023
68
10
78
12.82%
36.96%
2022
79
12
91
13.19%
37.07%
2021
69
16
85
18.82%
39.17%
2020
70
15
85
17.65%
35.42%
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
0
0
0
0.00%
13.25%
2024
0
0
0
0.00%
12.32%
2023
0
0
0
0.00%
16.34%
2022
0
0
0
0.00%
11.13%
2021
0
0
0
0.00%
18.93%
2020
0
0
0
0.00%
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
12
1
13
7.69%
45.21%
2024
18
2
20
10.00%
45.23%
2023
17
2
19
10.53%
44.64%
2022
20
2
22
9.09%
46.15%
2021
21
2
23
8.70%
46.87%
2020
18
2
20
10.00%
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
2022
0
0
0
0.00%
56.52%
2021
0
0
0
0.00%
62.74%
2020
0
0
0
0.00%
61.51%