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
1,250
327
1,577
20.74%
23.88%
2024
1,227
348
1,575
22.10%
23.31%
2023
1,215
309
1,524
20.28%
22.83%
2022
1,389
340
1,729
19.66%
23.10%
2021
911
472
1,383
34.13%
22.81%
2020
1,036
207
1,243
16.65%
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
139
87
226
38.50%
49.08%
2024
164
109
273
39.93%
47.46%
2023
278
133
411
32.36%
47.29%
2022
373
148
521
28.41%
45.44%
2021
236
227
463
49.03%
44.40%
2020
80
34
114
29.82%
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
101
85
186
45.70%
42.44%
2024
111
115
226
50.88%
41.75%
2023
169
130
299
43.48%
38.64%
2022
163
144
307
46.91%
39.39%
2021
103
127
230
55.22%
40.41%
2020
54
43
97
44.33%
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
296
136
432
31.48%
38.98%
2024
214
133
347
38.33%
39.58%
2023
311
111
422
26.30%
36.96%
2022
279
95
374
25.40%
37.07%
2021
189
81
270
30.00%
39.17%
2020
403
120
523
22.94%
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
0
1
1
100.00%
83.87%
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
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
1
2
3
66.67%
13.25%
2024
1
3
4
75.00%
12.32%
2023
1
1
2
50.00%
16.34%
2022
2
5
7
71.43%
11.13%
2021
3
2
5
40.00%
18.93%
2020
16
19
35
54.29%
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
268
55
323
17.03%
45.21%
2024
258
53
311
17.04%
45.23%
2023
162
49
211
23.22%
44.64%
2022
127
51
178
28.65%
46.15%
2021
84
50
134
37.31%
46.87%
2020
268
94
362
25.97%
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
0
0
0.00%
63.97%
2023
0
0
0
0.00%
62.55%
2022
0
0
0
0.00%
56.52%
2021
0
0
0
0.00%
62.74%
2020
0
1
1
100.00%
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
1,585
547
2,132
25.66%
34.83%
2024
1,590
516
2,106
24.50%
35.33%
2023
1,557
453
2,010
22.54%
35.67%
2022
1,622
467
2,089
22.36%
37.14%
2021
1,144
327
1,471
22.23%
35.46%
2020
1,105
271
1,376
19.69%
33.86%