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
2,427
350
2,777
12.60%
23.88%
2024
2,457
364
2,821
12.90%
23.31%
2023
2,299
342
2,641
12.95%
22.83%
2022
2,161
319
2,480
12.86%
23.10%
2021
1,996
300
2,296
13.07%
22.81%
2020
1,741
248
1,989
12.47%
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
54
19
73
26.03%
49.08%
2024
55
18
73
24.66%
47.46%
2023
53
16
69
23.19%
47.29%
2022
56
16
72
22.22%
45.44%
2021
58
15
73
20.55%
44.40%
2020
51
11
62
17.74%
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
64
24
88
27.27%
42.44%
2024
63
23
86
26.74%
41.75%
2023
68
21
89
23.60%
38.64%
2022
62
20
82
24.39%
39.39%
2021
58
20
78
25.64%
40.41%
2020
62
21
83
25.30%
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
454
96
550
17.45%
38.98%
2024
421
105
526
19.96%
39.58%
2023
466
93
559
16.64%
36.96%
2022
361
88
449
19.60%
37.07%
2021
336
92
428
21.50%
39.17%
2020
369
96
465
20.65%
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
0
0
0.00%
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
0
0
0
0.00%
13.25%
2024
0
0
0
0.00%
12.32%
2023
0
0
0
0.00%
16.34%
2022
0
0
0
0.00%
11.13%
2021
1
0
1
0.00%
18.93%
2020
0
0
0
0.00%
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
2025
442
156
598
26.09%
45.21%
2024
460
154
614
25.08%
45.23%
2023
419
130
549
23.68%
44.64%
2022
397
123
520
23.65%
46.15%
2021
403
109
512
21.29%
46.87%
2020
383
81
464
17.46%
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
0
0
0.00%
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
29
5
34
14.71%
34.83%
2024
30
5
35
14.29%
35.33%
2023
32
6
38
15.79%
35.67%
2022
36
6
42
14.29%
37.14%
2021
35
6
41
14.63%
35.46%
2020
33
5
38
13.16%
33.86%