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
1,742
137
1,879
7.29%
23.88%
2024
1,937
141
2,078
6.79%
23.31%
2023
2,073
156
2,229
7.00%
22.83%
2022
2,056
155
2,211
7.01%
23.10%
2021
1,835
136
1,971
6.90%
22.81%
2020
1,610
117
1,727
6.77%
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
43
94
137
68.61%
49.08%
2024
46
83
129
64.34%
47.46%
2023
46
79
125
63.20%
47.29%
2022
46
69
115
60.00%
45.44%
2021
46
59
105
56.19%
44.40%
2020
52
57
109
52.29%
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
25
33
58
56.90%
42.44%
2024
35
41
76
53.95%
41.75%
2023
39
36
75
48.00%
38.64%
2022
40
35
75
46.67%
39.39%
2021
42
46
88
52.27%
40.41%
2020
47
74
121
61.16%
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
404
20
424
4.72%
38.98%
2024
566
31
597
5.19%
39.58%
2023
617
39
656
5.95%
36.96%
2022
505
31
536
5.78%
37.07%
2021
537
38
575
6.61%
39.17%
2020
520
25
545
4.59%
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
17
19
89.47%
13.25%
2024
2
15
17
88.24%
12.32%
2023
2
13
15
86.67%
16.34%
2022
2
13
15
86.67%
11.13%
2021
2
5
7
71.43%
18.93%
2020
1
6
7
85.71%
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
276
67
343
19.53%
45.21%
2024
297
77
374
20.59%
45.23%
2023
316
77
393
19.59%
44.64%
2022
295
82
377
21.75%
46.15%
2021
276
62
338
18.34%
46.87%
2020
259
47
306
15.36%
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
124
36
160
22.50%
34.83%
2024
118
36
154
23.38%
35.33%
2023
121
40
161
24.84%
35.67%
2022
127
51
178
28.65%
37.14%
2021
122
12
134
8.96%
35.46%
2020
112
33
145
22.76%
33.86%