Covenant Ins Co
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
2,271
367
2,638
13.91%
23.88%
2024
2,437
384
2,821
13.61%
23.31%
2023
2,519
360
2,879
12.50%
22.83%
2022
2,601
317
2,918
10.86%
23.10%
2021
2,352
295
2,647
11.14%
22.81%
2020
2,073
273
2,346
11.64%
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
109
23
132
17.42%
49.08%
2024
103
23
126
18.25%
47.46%
2023
87
21
108
19.44%
47.29%
2022
94
27
121
22.31%
45.44%
2021
83
18
101
17.82%
44.40%
2020
77
21
98
21.43%
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
15
11
26
42.31%
42.44%
2024
17
16
33
48.48%
41.75%
2023
25
23
48
47.92%
38.64%
2022
22
21
43
48.84%
39.39%
2021
28
21
49
42.86%
40.41%
2020
26
47
73
64.38%
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
81
19
100
19.00%
38.98%
2024
90
19
109
17.43%
39.58%
2023
116
24
140
17.14%
36.96%
2022
91
18
109
16.51%
37.07%
2021
161
26
187
13.90%
39.17%
2020
151
26
177
14.69%
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
1
1
100.00%
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
563
132
695
18.99%
45.21%
2024
566
140
706
19.83%
45.23%
2023
540
133
673
19.76%
44.64%
2022
535
150
685
21.90%
46.15%
2021
472
122
594
20.54%
46.87%
2020
447
108
555
19.46%
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
7
1
8
12.50%
34.83%
2024
7
1
8
12.50%
35.33%
2023
8
1
9
11.11%
35.67%
2022
6
2
8
25.00%
37.14%
2021
5
2
7
28.57%
35.46%
2020
5
2
7
28.57%
33.86%