Zurich American Ins Co
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
14,901
6,404
21,305
30.06%
23.88%
2024
18,479
9,957
28,436
35.02%
23.31%
2023
18,922
17,336
36,258
47.81%
22.83%
2022
16,683
15,144
31,827
47.58%
23.10%
2021
16,772
13,132
29,904
43.91%
22.81%
2020
15,841
11,085
26,926
41.17%
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
13,779
15,061
28,840
52.22%
49.08%
2024
16,172
18,781
34,953
53.73%
47.46%
2023
15,834
19,167
35,001
54.76%
47.29%
2022
16,657
17,830
34,487
51.70%
45.44%
2021
14,390
15,873
30,263
52.45%
44.40%
2020
13,141
14,839
27,980
53.03%
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
850
1,419
2,269
62.54%
42.44%
2024
1,021
1,422
2,443
58.21%
41.75%
2023
1,179
1,481
2,660
55.68%
38.64%
2022
1,297
1,733
3,030
57.19%
39.39%
2021
1,907
2,322
4,229
54.91%
40.41%
2020
2,356
5,095
7,451
68.38%
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
576
486
1,062
45.76%
38.98%
2024
1,265
1,180
2,445
48.26%
39.58%
2023
2,492
1,549
4,041
38.33%
36.96%
2022
1,630
1,178
2,808
41.95%
37.07%
2021
2,257
1,748
4,005
43.65%
39.17%
2020
1,163
877
2,040
42.99%
35.42%
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
2025
0
0
0
0.00%
95.15%
2024
0
0
0
0.00%
96.08%
2023
0
1
1
100.00%
95.22%
2022
0
2
2
100.00%
96.00%
2021
0
315
315
100.00%
93.58%
2020
3
805
808
99.63%
94.02%
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
2023
0
0
0
0.00%
92.52%
2022
0
0
0
0.00%
92.14%
2021
0
0
0
0.00%
91.74%
2020
0
0
0
0.00%
93.85%
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
428
2,203
2,631
83.73%
83.87%
2024
396
2,664
3,060
87.06%
81.44%
2023
312
2,532
2,844
89.03%
74.87%
2022
482
2,119
2,601
81.47%
72.69%
2021
525
2,453
2,978
82.37%
79.01%
2020
888
3,659
4,547
80.47%
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
13,544
16,210
29,754
54.48%
13.25%
2024
11,066
14,262
25,328
56.31%
12.32%
2023
6,389
14,871
21,260
69.95%
16.34%
2022
5,061
13,638
18,699
72.93%
11.13%
2021
4,154
12,164
16,318
74.54%
18.93%
2020
11,683
15,051
26,734
56.30%
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
1
1
100.00%
45.21%
2023
1
0
1
0.00%
44.64%
2022
1
0
1
0.00%
46.15%
2021
0
0
0
0.00%
46.87%
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
2025
0
3
3
100.00%
84.76%
2024
1
3
4
75.00%
84.35%
2023
0
3
3
100.00%
68.07%
2022
0
1
1
100.00%
77.84%
2021
0
3
3
100.00%
84.45%
2020
0
5
5
100.00%
83.02%
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
231
125
356
35.11%
63.59%
2024
222
223
445
50.11%
63.97%
2023
140
404
544
74.26%
62.55%
2022
36
351
387
90.70%
56.52%
2021
70
502
572
87.76%
62.74%
2020
68
1,025
1,093
93.78%
61.51%
Warranty
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
279,580
35,300
314,880
11.21%
3.84%
2024
214,205
31,863
246,068
12.95%
4.30%
2023
187,524
37,801
225,325
16.78%
4.57%
2022
169,148
33,567
202,715
16.56%
4.29%
2021
167,327
33,017
200,344
16.48%
5.64%
2020
166,013
30,924
196,937
15.70%
5.60%
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
89,749
29,997
119,746
25.05%
34.83%
2024
90,042
30,390
120,432
25.23%
35.33%
2023
90,216
34,485
124,701
27.65%
35.67%
2022
93,062
39,465
132,527
29.78%
37.14%
2021
99,266
36,133
135,399
26.69%
35.46%
2020
85,363
31,402
116,765
26.89%
33.86%