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
805
60
865
6.94%
23.88%
2024
893
60
953
6.30%
23.31%
2023
960
66
1,026
6.43%
22.83%
2022
952
68
1,020
6.67%
23.10%
2021
849
57
906
6.29%
22.81%
2020
745
51
796
6.41%
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
21
37
58
63.79%
49.08%
2024
21
32
53
60.38%
47.46%
2023
21
29
50
58.00%
47.29%
2022
21
28
49
57.14%
45.44%
2021
20
21
41
51.22%
44.40%
2020
23
23
46
50.00%
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
8
12
20
60.00%
42.44%
2024
11
15
26
57.69%
41.75%
2023
12
12
24
50.00%
38.64%
2022
14
11
25
44.00%
39.39%
2021
17
17
34
50.00%
40.41%
2020
19
32
51
62.75%
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
185
9
194
4.64%
38.98%
2024
263
14
277
5.05%
39.58%
2023
286
18
304
5.92%
36.96%
2022
233
15
248
6.05%
37.07%
2021
247
17
264
6.44%
39.17%
2020
241
11
252
4.37%
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
0
0
0
0.00%
83.87%
2024
0
0
0
0.00%
81.44%
2023
0
0
0
0.00%
74.87%
2022
0
0
0
0.00%
72.69%
2021
0
0
0
0.00%
79.01%
2020
0
0
0
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
0
7
7
100.00%
13.25%
2024
0
6
6
100.00%
12.32%
2023
0
5
5
100.00%
16.34%
2022
0
4
4
100.00%
11.13%
2021
0
2
2
100.00%
18.93%
2020
0
2
2
100.00%
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
129
31
160
19.38%
45.21%
2024
136
35
171
20.47%
45.23%
2023
148
35
183
19.13%
44.64%
2022
137
39
176
22.16%
46.15%
2021
129
29
158
18.35%
46.87%
2020
121
21
142
14.79%
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
45
11
56
19.64%
34.83%
2024
50
9
59
15.25%
35.33%
2023
49
9
58
15.52%
35.67%
2022
53
12
65
18.46%
37.14%
2021
52
2
54
3.70%
35.46%
2020
49
6
55
10.91%
33.86%