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
1,567
124
1,691
7.33%
23.88%
2024
1,735
126
1,861
6.77%
23.31%
2023
1,864
140
2,004
6.99%
22.83%
2022
1,842
141
1,983
7.11%
23.10%
2021
1,645
120
1,765
6.80%
22.81%
2020
1,449
107
1,556
6.88%
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
41
84
125
67.20%
49.08%
2024
41
76
117
64.96%
47.46%
2023
44
72
116
62.07%
47.29%
2022
39
63
102
61.76%
45.44%
2021
40
54
94
57.45%
44.40%
2020
44
54
98
55.10%
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
23
30
53
56.60%
42.44%
2024
31
34
65
52.31%
41.75%
2023
35
33
68
48.53%
38.64%
2022
34
31
65
47.69%
39.39%
2021
39
39
78
50.00%
40.41%
2020
40
68
108
62.96%
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
362
18
380
4.74%
38.98%
2024
508
28
536
5.22%
39.58%
2023
554
35
589
5.94%
36.96%
2022
453
28
481
5.82%
37.07%
2021
479
34
513
6.63%
39.17%
2020
468
23
491
4.68%
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
1
0
1
0.00%
83.87%
2024
1
0
1
0.00%
81.44%
2023
1
0
1
0.00%
74.87%
2022
1
0
1
0.00%
72.69%
2021
1
0
1
0.00%
79.01%
2020
1
0
1
0.00%
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
15
17
88.24%
13.25%
2024
2
14
16
87.50%
12.32%
2023
1
12
13
92.31%
16.34%
2022
1
11
12
91.67%
11.13%
2021
2
4
6
66.67%
18.93%
2020
1
4
5
80.00%
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
250
59
309
19.09%
45.21%
2024
267
70
337
20.77%
45.23%
2023
286
70
356
19.66%
44.64%
2022
267
75
342
21.93%
46.15%
2021
247
57
304
18.75%
46.87%
2020
234
43
277
15.52%
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
0
0
0.00%
63.59%
2024
0
0
0
0.00%
63.97%
2023
0
0
0
0.00%
62.55%
2022
0
0
0
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
107
29
136
21.32%
34.83%
2024
107
35
142
24.65%
35.33%
2023
106
32
138
23.19%
35.67%
2022
110
43
153
28.10%
37.14%
2021
108
11
119
9.24%
35.46%
2020
105
29
134
21.64%
33.86%