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
798
121
919
13.17%
23.88%
2024
906
128
1,034
12.38%
23.31%
2023
1,001
142
1,143
12.42%
22.83%
2022
975
157
1,132
13.87%
23.10%
2021
948
121
1,069
11.32%
22.81%
2020
901
119
1,020
11.67%
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
37
33
70
47.14%
49.08%
2024
36
34
70
48.57%
47.46%
2023
32
30
62
48.39%
47.29%
2022
30
29
59
49.15%
45.44%
2021
27
27
54
50.00%
44.40%
2020
33
34
67
50.75%
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
71
78
149
52.35%
42.44%
2024
95
94
189
49.74%
41.75%
2023
89
87
176
49.43%
38.64%
2022
86
79
165
47.88%
39.39%
2021
106
93
199
46.73%
40.41%
2020
103
188
291
64.60%
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
135
94
229
41.05%
38.98%
2024
150
115
265
43.40%
39.58%
2023
166
124
290
42.76%
36.96%
2022
136
118
254
46.46%
37.07%
2021
171
150
321
46.73%
39.17%
2020
215
164
379
43.27%
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%
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
0
1
1
100.00%
83.87%
2024
0
0
0
0.00%
81.44%
2023
0
1
1
100.00%
74.87%
2022
0
0
0
0.00%
72.69%
2021
0
1
1
100.00%
79.01%
2020
0
1
1
100.00%
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
2
6
8
75.00%
13.25%
2024
2
8
10
80.00%
12.32%
2023
2
10
12
83.33%
16.34%
2022
3
9
12
75.00%
11.13%
2021
2
11
13
84.62%
18.93%
2020
3
11
14
78.57%
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
213
111
324
34.26%
45.21%
2024
226
119
345
34.49%
45.23%
2023
234
132
366
36.07%
44.64%
2022
229
136
365
37.26%
46.15%
2021
228
121
349
34.67%
46.87%
2020
238
109
347
31.41%
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
0
1
1
100.00%
63.59%
2024
0
1
1
100.00%
63.97%
2023
0
1
1
100.00%
62.55%
2022
0
1
1
100.00%
56.52%
2021
0
1
1
100.00%
62.74%
2020
0
1
1
100.00%
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
243
170
413
41.16%
34.83%
2024
241
172
413
41.65%
35.33%
2023
237
180
417
43.17%
35.67%
2022
228
172
400
43.00%
37.14%
2021
211
148
359
41.23%
35.46%
2020
182
128
310
41.29%
33.86%