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
										2024
									
									
										729
									
									
										1,363
									
									
										2,092
									
									
										65.15%
									
									
										23.31%
									
								
										2023
									
									
										587
									
									
										1,240
									
									
										1,827
									
									
										67.87%
									
									
										22.83%
									
								
										2022
									
									
										440
									
									
										1,175
									
									
										1,615
									
									
										72.76%
									
									
										23.10%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										22.81%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										21.51%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										22.66%
									
								
										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
										2024
									
									
										289
									
									
										1,561
									
									
										1,850
									
									
										84.38%
									
									
										47.45%
									
								
										2023
									
									
										194
									
									
										1,455
									
									
										1,649
									
									
										88.24%
									
									
										47.29%
									
								
										2022
									
									
										197
									
									
										1,423
									
									
										1,620
									
									
										87.84%
									
									
										45.44%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										44.40%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										42.45%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										44.33%
									
								
										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
										2024
									
									
										6
									
									
										2
									
									
										8
									
									
										25.00%
									
									
										41.74%
									
								
										2023
									
									
										46
									
									
										24
									
									
										70
									
									
										34.29%
									
									
										38.64%
									
								
										2022
									
									
										20
									
									
										22
									
									
										42
									
									
										52.38%
									
									
										39.39%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										40.41%
									
								
										2020
									
									
										0
									
									
										3
									
									
										3
									
									
										100.00%
									
									
										48.09%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										43.30%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										39.58%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										36.96%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										37.07%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										39.17%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										35.42%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										35.34%
									
								
										Medical Professional 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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										96.09%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										95.22%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										96.00%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										93.58%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										94.02%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										94.59%
									
								
										Medical Professional 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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										92.29%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										92.52%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										92.14%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										91.74%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										81.44%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										74.87%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										72.69%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										79.01%
									
								
										2020
									
									
										15
									
									
										352
									
									
										367
									
									
										95.91%
									
									
										80.13%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										77.47%
									
								
										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
										2024
									
									
										52
									
									
										462
									
									
										514
									
									
										89.88%
									
									
										12.32%
									
								
										2023
									
									
										38
									
									
										336
									
									
										374
									
									
										89.84%
									
									
										16.34%
									
								
										2022
									
									
										36
									
									
										376
									
									
										412
									
									
										91.26%
									
									
										11.13%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										18.93%
									
								
										2020
									
									
										378
									
									
										13,244
									
									
										13,622
									
									
										97.23%
									
									
										20.93%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										16.90%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										45.22%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										44.64%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										46.15%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										46.87%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										43.90%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										42.09%
									
								
										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
										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%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										81.57%
									
								
										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
										2024
									
									
										13
									
									
										22
									
									
										35
									
									
										62.86%
									
									
										63.97%
									
								
										2023
									
									
										14
									
									
										24
									
									
										38
									
									
										63.16%
									
									
										62.55%
									
								
										2022
									
									
										15
									
									
										49
									
									
										64
									
									
										76.56%
									
									
										56.52%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										62.74%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										61.51%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										70.02%
									
								
										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
										2024
									
									
										2,205
									
									
										8,327
									
									
										10,532
									
									
										79.06%
									
									
										35.33%
									
								
										2023
									
									
										3,290
									
									
										4,740
									
									
										8,030
									
									
										59.03%
									
									
										35.67%
									
								
										2022
									
									
										4,602
									
									
										4,079
									
									
										8,681
									
									
										46.99%
									
									
										37.14%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										35.46%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										33.86%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										34.01%