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
1,362
220
1,582
13.91%
23.88%
2024
1,462
230
1,692
13.59%
23.31%
2023
1,511
216
1,727
12.51%
22.83%
2022
1,560
190
1,750
10.86%
23.10%
2021
1,411
177
1,588
11.15%
22.81%
2020
1,244
164
1,408
11.65%
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
65
14
79
17.72%
49.08%
2024
62
14
76
18.42%
47.46%
2023
52
13
65
20.00%
47.29%
2022
56
16
72
22.22%
45.44%
2021
50
11
61
18.03%
44.40%
2020
46
13
59
22.03%
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
9
7
16
43.75%
42.44%
2024
10
9
19
47.37%
41.75%
2023
15
14
29
48.28%
38.64%
2022
13
12
25
48.00%
39.39%
2021
17
12
29
41.38%
40.41%
2020
16
28
44
63.64%
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
48
12
60
20.00%
38.98%
2024
54
11
65
16.92%
39.58%
2023
69
15
84
17.86%
36.96%
2022
55
11
66
16.67%
37.07%
2021
97
16
113
14.16%
39.17%
2020
91
15
106
14.15%
35.42%
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
0
0
0.00%
13.25%
2024
0
0
0
0.00%
12.32%
2023
0
0
0
0.00%
16.34%
2022
0
0
0
0.00%
11.13%
2021
0
0
0
0.00%
18.93%
2020
0
0
0
0.00%
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
338
79
417
18.94%
45.21%
2024
340
84
424
19.81%
45.23%
2023
324
80
404
19.80%
44.64%
2022
321
90
411
21.90%
46.15%
2021
283
73
356
20.51%
46.87%
2020
268
65
333
19.52%
43.90%
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
4
1
5
20.00%
34.83%
2024
4
1
5
20.00%
35.33%
2023
5
0
5
0.00%
35.67%
2022
3
1
4
25.00%
37.14%
2021
3
1
4
25.00%
35.46%
2020
3
1
4
25.00%
33.86%