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
1,437
334
1,771
18.86%
23.88%
2024
1,727
372
2,099
17.72%
23.31%
2023
1,915
367
2,282
16.08%
22.83%
2022
1,727
271
1,998
13.56%
23.10%
2021
1,583
270
1,853
14.57%
22.81%
2020
1,223
187
1,410
13.26%
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
1,072
616
1,688
36.49%
49.08%
2024
1,258
594
1,852
32.07%
47.46%
2023
1,255
608
1,863
32.64%
47.29%
2022
1,158
558
1,716
32.52%
45.44%
2021
1,154
577
1,731
33.33%
44.40%
2020
954
403
1,357
29.70%
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
519
184
703
26.17%
42.44%
2024
606
210
816
25.74%
41.75%
2023
505
216
721
29.96%
38.64%
2022
530
220
750
29.33%
39.39%
2021
569
214
783
27.33%
40.41%
2020
627
219
846
25.89%
48.09%
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
45
38
83
45.78%
13.25%
2024
105
36
141
25.53%
12.32%
2023
88
44
132
33.33%
16.34%
2022
75
47
122
38.52%
11.13%
2021
89
38
127
29.92%
18.93%
2020
200
35
235
14.89%
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
1
0
1
0.00%
45.21%
2024
3
4
7
57.14%
45.23%
2023
8
3
11
27.27%
44.64%
2022
3
1
4
25.00%
46.15%
2021
6
0
6
0.00%
46.87%
2020
2
0
2
0.00%
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
21
10
31
32.26%
63.59%
2024
17
4
21
19.05%
63.97%
2023
8
9
17
52.94%
62.55%
2022
4
9
13
69.23%
56.52%
2021
6
2
8
25.00%
62.74%
2020
4
1
5
20.00%
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
1,390
468
1,858
25.19%
34.83%
2024
1,695
500
2,195
22.78%
35.33%
2023
1,791
591
2,382
24.81%
35.67%
2022
1,815
627
2,442
25.68%
37.14%
2021
1,930
675
2,605
25.91%
35.46%
2020
1,784
669
2,453
27.27%
33.86%