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
1,117
169
1,286
13.14%
23.88%
2024
1,268
179
1,447
12.37%
23.31%
2023
1,402
198
1,600
12.38%
22.83%
2022
1,365
219
1,584
13.83%
23.10%
2021
1,327
170
1,497
11.36%
22.81%
2020
1,261
166
1,427
11.63%
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
52
47
99
47.47%
49.08%
2024
50
47
97
48.45%
47.46%
2023
45
41
86
47.67%
47.29%
2022
43
40
83
48.19%
45.44%
2021
38
38
76
50.00%
44.40%
2020
46
48
94
51.06%
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
100
109
209
52.15%
42.44%
2024
134
131
265
49.43%
41.75%
2023
125
122
247
49.39%
38.64%
2022
121
110
231
47.62%
39.39%
2021
149
131
280
46.79%
40.41%
2020
145
263
408
64.46%
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
190
132
322
40.99%
38.98%
2024
210
161
371
43.40%
39.58%
2023
233
174
407
42.75%
36.96%
2022
191
165
356
46.35%
37.07%
2021
239
210
449
46.77%
39.17%
2020
300
230
530
43.40%
35.42%
Medical Professional 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%
95.15%
2024
0
0
0
0.00%
96.08%
2023
0
0
0
0.00%
95.22%
2022
0
0
0
0.00%
96.00%
2021
0
0
0
0.00%
93.58%
Medical Professional 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%
94.16%
2024
0
0
0
0.00%
92.29%
2023
0
0
0
0.00%
92.52%
2022
0
0
0
0.00%
92.14%
2021
0
0
0
0.00%
91.74%
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
2
2
100.00%
83.87%
2024
0
0
0
0.00%
81.44%
2023
0
1
1
100.00%
74.87%
2022
0
1
1
100.00%
72.69%
2021
0
1
1
100.00%
79.01%
2020
0
1
1
100.00%
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
3
9
12
75.00%
13.25%
2024
3
11
14
78.57%
12.32%
2023
3
14
17
82.35%
16.34%
2022
4
13
17
76.47%
11.13%
2021
3
16
19
84.21%
18.93%
2020
4
15
19
78.95%
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
298
155
453
34.22%
45.21%
2024
317
167
484
34.50%
45.23%
2023
328
185
513
36.06%
44.64%
2022
320
190
510
37.25%
46.15%
2021
319
170
489
34.76%
46.87%
2020
333
153
486
31.48%
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
1
1
100.00%
63.59%
2024
0
1
1
100.00%
63.97%
2023
0
1
1
100.00%
62.55%
2022
0
1
1
100.00%
56.52%
2021
0
1
1
100.00%
62.74%
2020
0
1
1
100.00%
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
340
238
578
41.18%
34.83%
2024
337
240
577
41.59%
35.33%
2023
332
251
583
43.05%
35.67%
2022
319
241
560
43.04%
37.14%
2021
295
208
503
41.35%
35.46%
2020
255
180
435
41.38%
33.86%