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
101
31
132
23.48%
23.88%
2024
184
55
239
23.01%
23.31%
2023
223
62
285
21.75%
22.83%
2022
262
71
333
21.32%
23.10%
2021
248
72
320
22.50%
22.81%
2020
260
65
325
20.00%
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
51
18
69
26.09%
49.08%
2024
53
15
68
22.06%
47.46%
2023
49
19
68
27.94%
47.29%
2022
43
16
59
27.12%
45.44%
2021
48
20
68
29.41%
44.40%
2020
42
15
57
26.32%
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
107
38
145
26.21%
42.44%
2024
152
66
218
30.28%
41.75%
2023
161
50
211
23.70%
38.64%
2022
130
48
178
26.97%
39.39%
2021
132
54
186
29.03%
40.41%
2020
172
54
226
23.89%
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
2021
1
0
1
0.00%
39.17%
2020
9
2
11
18.18%
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
2
1
3
33.33%
13.25%
2024
2
1
3
33.33%
12.32%
2023
2
1
3
33.33%
16.34%
2022
2
1
3
33.33%
11.13%
2021
2
1
3
33.33%
18.93%
2020
2
1
3
33.33%
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
10
3
13
23.08%
45.21%
2024
50
18
68
26.47%
45.23%
2023
83
30
113
26.55%
44.64%
2022
110
43
153
28.10%
46.15%
2021
105
44
149
29.53%
46.87%
2020
110
38
148
25.68%
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
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
1
0
1
0.00%
56.52%
2021
0
0
0
0.00%
62.74%
2020
0
0
0
0.00%
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
18
5
23
21.74%
34.83%
2024
18
3
21
14.29%
35.33%
2023
15
5
20
25.00%
35.67%
2022
16
6
22
27.27%
37.14%
2021
16
6
22
27.27%
35.46%
2020
17
9
26
34.62%
33.86%