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
80
26
106
24.53%
23.88%
2024
377
71
448
15.85%
23.31%
2023
844
154
998
15.43%
22.83%
2022
823
127
950
13.37%
23.10%
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
79
42
121
34.71%
49.08%
2024
266
140
406
34.48%
47.46%
2023
506
245
751
32.62%
47.29%
2022
541
251
792
31.69%
45.44%
2021
692
331
1,023
32.36%
44.40%
2020
558
233
791
29.46%
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
162
37
199
18.59%
42.44%
2024
184
48
232
20.69%
41.75%
2023
142
60
202
29.70%
38.64%
2022
138
58
196
29.59%
39.39%
2021
133
55
188
29.26%
40.41%
2020
160
52
212
24.53%
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
0
3
3
100.00%
13.25%
2024
5
2
7
28.57%
12.32%
2023
3
5
8
62.50%
16.34%
2022
7
2
9
22.22%
11.13%
2021
4
0
4
0.00%
18.93%
2020
7
3
10
30.00%
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
2024
0
1
1
100.00%
45.23%
2023
1
0
1
0.00%
44.64%
2022
1
1
2
50.00%
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
4
1
5
20.00%
63.59%
2023
0
1
1
100.00%
62.55%
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
293
104
397
26.20%
34.83%
2024
410
130
540
24.07%
35.33%
2023
453
152
605
25.12%
35.67%
2022
471
165
636
25.94%
37.14%
2021
506
180
686
26.24%
35.46%
2020
409
171
580
29.48%
33.86%