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
1,682
134
1,816
7.38%
23.88%
2024
1,869
138
2,007
6.88%
23.31%
2023
2,001
150
2,151
6.97%
22.83%
2022
1,982
148
2,130
6.95%
23.10%
2021
1,774
131
1,905
6.88%
22.81%
2020
1,554
114
1,668
6.83%
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
91
134
67.91%
49.08%
2024
45
81
126
64.29%
47.46%
2023
44
78
122
63.93%
47.29%
2022
42
68
110
61.82%
45.44%
2021
43
56
99
56.57%
44.40%
2020
48
56
104
53.85%
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
24
33
57
57.89%
42.44%
2024
32
37
69
53.62%
41.75%
2023
39
36
75
48.00%
38.64%
2022
38
35
73
47.95%
39.39%
2021
41
41
82
50.00%
40.41%
2020
46
72
118
61.02%
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
390
20
410
4.88%
38.98%
2024
545
30
575
5.22%
39.58%
2023
597
37
634
5.84%
36.96%
2022
489
30
519
5.78%
37.07%
2021
517
36
553
6.51%
39.17%
2020
501
24
525
4.57%
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
1
13
14
92.86%
16.34%
2022
2
13
15
86.67%
11.13%
2021
2
5
7
71.43%
18.93%
2020
1
5
6
83.33%
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
267
65
332
19.58%
45.21%
2024
286
74
360
20.56%
45.23%
2023
306
76
382
19.90%
44.64%
2022
286
81
367
22.07%
46.15%
2021
267
61
328
18.60%
46.87%
2020
251
45
296
15.20%
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
118
33
151
21.85%
34.83%
2024
112
35
147
23.81%
35.33%
2023
117
38
155
24.52%
35.67%
2022
121
48
169
28.40%
37.14%
2021
119
12
131
9.16%
35.46%
2020
109
31
140
22.14%
33.86%