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
348
231
579
39.90%
23.88%
2024
375
196
571
34.33%
23.31%
2023
302
107
409
26.16%
22.83%
2022
346
157
503
31.21%
23.10%
2021
363
191
554
34.48%
22.81%
2020
485
329
814
40.42%
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
195
194
389
49.87%
49.08%
2024
195
206
401
51.37%
47.46%
2023
178
181
359
50.42%
47.29%
2022
230
239
469
50.96%
45.44%
2021
271
300
571
52.54%
44.40%
2020
315
325
640
50.78%
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
10
11
21
52.38%
42.44%
2024
16
19
35
54.29%
41.75%
2023
20
17
37
45.95%
38.64%
2022
20
22
42
52.38%
39.39%
2021
94
133
227
58.59%
40.41%
2020
90
311
401
77.56%
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
602
308
910
33.85%
38.98%
2024
980
727
1,707
42.59%
39.58%
2023
5
9
14
64.29%
36.96%
2022
745
421
1,166
36.11%
37.07%
2021
2,162
1,461
3,623
40.33%
39.17%
2020
1,190
670
1,860
36.02%
35.42%
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
2025
2
70
72
97.22%
83.87%
2024
2
50
52
96.15%
81.44%
2023
1
30
31
96.77%
74.87%
2022
0
15
15
100.00%
72.69%
2021
0
1
1
100.00%
79.01%
2020
0
0
0
0.00%
80.13%
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
3
15
18
83.33%
13.25%
2024
4
16
20
80.00%
12.32%
2023
4
17
21
80.95%
16.34%
2022
7
19
26
73.08%
11.13%
2021
7
25
32
78.13%
18.93%
2020
18
30
48
62.50%
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
0
0
0
0.00%
45.21%
2024
0
0
0
0.00%
45.23%
2023
0
0
0
0.00%
44.64%
2022
0
0
0
0.00%
46.15%
2021
14
12
26
46.15%
46.87%
2020
111
230
341
67.45%
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
0
0
0
0.00%
63.59%
2024
0
3
3
100.00%
63.97%
2023
1
2
3
66.67%
62.55%
2022
2
2
4
50.00%
56.52%
2021
2
2
4
50.00%
62.74%
2020
1
1
2
50.00%
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
2
1
3
33.33%
34.83%
2024
2
2
4
50.00%
35.33%
2023
3
2
5
40.00%
35.67%
2022
4
3
7
42.86%
37.14%
2021
2
5
7
71.43%
35.46%
2020
5
4
9
44.44%
33.86%