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
1,384
1,271
2,655
47.87%
23.88%
2024
1,488
1,238
2,726
45.41%
23.31%
2023
1,777
1,395
3,172
43.98%
22.83%
2022
1,784
1,411
3,195
44.16%
23.10%
2021
2,039
1,210
3,249
37.24%
22.81%
2020
1,800
981
2,781
35.28%
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
408
495
903
54.82%
49.08%
2024
412
436
848
51.42%
47.46%
2023
378
497
875
56.80%
47.29%
2022
364
400
764
52.36%
45.44%
2021
383
410
793
51.70%
44.40%
2020
367
242
609
39.74%
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
271
414
685
60.44%
42.44%
2024
262
447
709
63.05%
41.75%
2023
343
444
787
56.42%
38.64%
2022
349
515
864
59.61%
39.39%
2021
306
451
757
59.58%
40.41%
2020
342
230
572
40.21%
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
607
296
903
32.78%
38.98%
2024
684
403
1,087
37.07%
39.58%
2023
1,016
734
1,750
41.94%
36.96%
2022
1,038
525
1,563
33.59%
37.07%
2021
1,127
584
1,711
34.13%
39.17%
2020
1,270
280
1,550
18.06%
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%
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
28
32
60
53.33%
13.25%
2024
26
27
53
50.94%
12.32%
2023
36
24
60
40.00%
16.34%
2022
33
24
57
42.11%
11.13%
2021
31
34
65
52.31%
18.93%
2020
57
5
62
8.06%
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
370
396
766
51.70%
45.21%
2024
392
356
748
47.59%
45.23%
2023
448
485
933
51.98%
44.64%
2022
510
501
1,011
49.55%
46.15%
2021
524
590
1,114
52.96%
46.87%
2020
484
341
825
41.33%
43.90%
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
2
5
7
71.43%
63.59%
2024
3
6
9
66.67%
63.97%
2023
1
6
7
85.71%
62.55%
2022
1
4
5
80.00%
56.52%
2021
1
3
4
75.00%
62.74%
2020
1
1
2
50.00%
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
281
123
404
30.45%
34.83%
2024
254
154
408
37.75%
35.33%
2023
296
217
513
42.30%
35.67%
2022
429
394
823
47.87%
37.14%
2021
551
410
961
42.66%
35.46%
2020
509
342
851
40.19%
33.86%