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
160
159
319
49.84%
23.88%
2024
157
145
302
48.01%
23.31%
2023
149
132
281
46.98%
22.83%
2022
147
112
259
43.24%
23.10%
2021
129
91
220
41.36%
22.81%
2020
144
98
242
40.50%
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
195
196
391
50.13%
49.08%
2024
171
167
338
49.41%
47.46%
2023
141
148
289
51.21%
47.29%
2022
118
143
261
54.79%
45.44%
2021
132
127
259
49.03%
44.40%
2020
172
152
324
46.91%
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
31
53
84
63.10%
42.44%
2024
30
69
99
69.70%
41.75%
2023
35
77
112
68.75%
38.64%
2022
33
71
104
68.27%
39.39%
2021
55
79
134
58.96%
40.41%
2020
51
97
148
65.54%
48.09%
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
5
55
60
91.67%
83.87%
2024
7
18
25
72.00%
81.44%
2023
11
17
28
60.71%
74.87%
2022
3
7
10
70.00%
72.69%
2021
0
5
5
100.00%
79.01%
2020
0
7
7
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
70
129
199
64.82%
13.25%
2024
54
90
144
62.50%
12.32%
2023
45
116
161
72.05%
16.34%
2022
34
102
136
75.00%
11.13%
2021
36
84
120
70.00%
18.93%
2020
46
100
146
68.49%
20.93%
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
4
3
7
42.86%
63.59%
2024
8
24
32
75.00%
63.97%
2023
8
30
38
78.95%
62.55%
2022
5
34
39
87.18%
56.52%
2021
5
35
40
87.50%
62.74%
2020
5
42
47
89.36%
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
2,238
17
2,255
0.75%
34.83%
2024
2,122
16
2,138
0.75%
35.33%
2023
1,880
19
1,899
1.00%
35.67%
2022
1,868
64
1,932
3.31%
37.14%
2021
1,936
57
1,993
2.86%
35.46%
2020
1,972
61
2,033
3.00%
33.86%