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
5,221
802
6,023
13.32%
23.88%
2024
6,127
1,061
7,188
14.76%
23.31%
2023
7,113
1,159
8,272
14.01%
22.83%
2022
6,906
998
7,904
12.63%
23.10%
2021
5,729
713
6,442
11.07%
22.81%
2020
5,283
660
5,943
11.11%
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
22
9
31
29.03%
49.08%
2024
27
22
49
44.90%
47.46%
2023
38
22
60
36.67%
47.29%
2022
34
11
45
24.44%
45.44%
2021
57
22
79
27.85%
44.40%
2020
48
54
102
52.94%
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
370
424
794
53.40%
42.44%
2024
540
494
1,034
47.78%
41.75%
2023
757
582
1,339
43.47%
38.64%
2022
861
703
1,564
44.95%
39.39%
2021
950
836
1,786
46.81%
40.41%
2020
1,088
1,750
2,838
61.66%
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
2023
52
23
75
30.67%
36.96%
2022
175
75
250
30.00%
37.07%
2021
984
307
1,291
23.78%
39.17%
2020
1,113
270
1,383
19.52%
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
3
3
6
50.00%
83.87%
2024
0
2
2
100.00%
81.44%
2023
0
6
6
100.00%
74.87%
2022
0
2
2
100.00%
72.69%
2021
0
2
2
100.00%
79.01%
2020
1
2
3
66.67%
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
9
13
22
59.09%
13.25%
2024
5
24
29
82.76%
12.32%
2023
4
16
20
80.00%
16.34%
2022
7
50
57
87.72%
11.13%
2021
11
31
42
73.81%
18.93%
2020
16
46
62
74.19%
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
1,016
609
1,625
37.48%
45.21%
2024
1,188
758
1,946
38.95%
45.23%
2023
1,264
703
1,967
35.74%
44.64%
2022
1,121
369
1,490
24.77%
46.15%
2021
964
372
1,336
27.84%
46.87%
2020
1,042
327
1,369
23.89%
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
1
1
100.00%
63.59%
2024
5
2
7
28.57%
63.97%
2023
1
10
11
90.91%
62.55%
2022
3
3
6
50.00%
56.52%
2021
5
0
5
0.00%
62.74%
2020
1
1
2
50.00%
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
1,686
1,502
3,188
47.11%
34.83%
2024
1,439
1,378
2,817
48.92%
35.33%
2023
1,480
1,475
2,955
49.92%
35.67%
2022
1,531
1,312
2,843
46.15%
37.14%
2021
1,125
910
2,035
44.72%
35.46%
2020
998
759
1,757
43.20%
33.86%