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
28,409
2,469
30,878
8.00%
23.88%
2024
31,431
2,505
33,936
7.38%
23.31%
2023
33,726
2,712
36,438
7.44%
22.83%
2022
33,389
2,735
36,124
7.57%
23.10%
2021
29,848
2,341
32,189
7.27%
22.81%
2020
26,199
2,096
28,295
7.41%
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
945
1,731
2,676
64.69%
49.08%
2024
943
1,542
2,485
62.05%
47.46%
2023
950
1,460
2,410
60.58%
47.29%
2022
908
1,325
2,233
59.34%
45.44%
2021
916
1,146
2,062
55.58%
44.40%
2020
996
1,155
2,151
53.70%
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
585
712
1,297
54.90%
42.44%
2024
714
788
1,502
52.46%
41.75%
2023
766
779
1,545
50.42%
38.64%
2022
767
737
1,504
49.00%
39.39%
2021
846
881
1,727
51.01%
40.41%
2020
896
1,428
2,324
61.45%
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
6,535
347
6,882
5.04%
38.98%
2024
9,154
522
9,676
5.39%
39.58%
2023
9,950
672
10,622
6.33%
36.96%
2022
8,151
536
8,687
6.17%
37.07%
2021
8,635
632
9,267
6.82%
39.17%
2020
8,402
430
8,832
4.87%
35.42%
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%
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
19
9
28
32.14%
83.87%
2024
18
8
26
30.77%
81.44%
2023
13
8
21
38.10%
74.87%
2022
14
7
21
33.33%
72.69%
2021
13
6
19
31.58%
79.01%
2020
13
5
18
27.78%
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
76
356
432
82.41%
13.25%
2024
74
350
424
82.55%
12.32%
2023
68
320
388
82.47%
16.34%
2022
75
297
372
79.84%
11.13%
2021
88
179
267
67.04%
18.93%
2020
89
170
259
65.64%
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
4,470
1,092
5,562
19.63%
45.21%
2024
4,776
1,256
6,032
20.82%
45.23%
2023
5,116
1,261
6,377
19.77%
44.64%
2022
4,779
1,363
6,142
22.19%
46.15%
2021
4,456
1,039
5,495
18.91%
46.87%
2020
4,186
779
4,965
15.69%
43.90%
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
0
0
0.00%
84.76%
2024
0
0
0
0.00%
84.35%
2023
0
0
0
0.00%
68.07%
2022
0
0
0
0.00%
77.84%
2021
0
0
0
0.00%
84.45%
2020
0
0
0
0.00%
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
3
16
19
84.21%
63.59%
2024
3
18
21
85.71%
63.97%
2023
2
14
16
87.50%
62.55%
2022
3
9
12
75.00%
56.52%
2021
4
5
9
55.56%
62.74%
2020
5
6
11
54.55%
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
2,234
843
3,077
27.40%
34.83%
2024
2,254
844
3,098
27.24%
35.33%
2023
2,293
842
3,135
26.86%
35.67%
2022
2,372
995
3,367
29.55%
37.14%
2021
2,368
495
2,863
17.29%
35.46%
2020
2,266
797
3,063
26.02%
33.86%