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
51,277
12,574
63,851
19.69%
23.88%
2024
51,874
12,477
64,351
19.39%
23.31%
2023
53,208
11,763
64,971
18.11%
22.83%
2022
51,226
11,460
62,686
18.28%
23.10%
2021
49,986
10,625
60,611
17.53%
22.81%
2020
51,903
10,299
62,202
16.56%
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
41,693
14,103
55,796
25.28%
49.08%
2024
42,301
14,293
56,594
25.26%
47.46%
2023
44,101
13,637
57,738
23.62%
47.29%
2022
41,948
12,963
54,911
23.61%
45.44%
2021
42,910
12,821
55,731
23.01%
44.40%
2020
47,649
13,322
60,971
21.85%
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
3,461
1,300
4,761
27.31%
42.44%
2024
3,947
1,383
5,330
25.95%
41.75%
2023
4,917
1,448
6,365
22.75%
38.64%
2022
4,840
1,410
6,250
22.56%
39.39%
2021
5,342
1,296
6,638
19.52%
40.41%
2020
7,048
1,913
8,961
21.35%
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
17,329
6,187
23,516
26.31%
38.98%
2024
19,789
7,299
27,088
26.95%
39.58%
2023
21,373
7,520
28,893
26.03%
36.96%
2022
25,210
7,775
32,985
23.57%
37.07%
2021
28,065
7,012
35,077
19.99%
39.17%
2020
27,862
6,199
34,061
18.20%
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
1
21
22
95.45%
95.15%
2024
2
18
20
90.00%
96.08%
2023
3
16
19
84.21%
95.22%
2022
2
25
27
92.59%
96.00%
2021
0
27
27
100.00%
93.58%
2020
1
22
23
95.65%
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
2025
2
2
4
50.00%
94.16%
2024
1
1
2
50.00%
92.29%
2023
1
1
2
50.00%
92.52%
2022
4
1
5
20.00%
92.14%
2021
2
3
5
60.00%
91.74%
2020
4
4
8
50.00%
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
270
1,469
1,739
84.47%
83.87%
2024
290
1,385
1,675
82.69%
81.44%
2023
279
1,206
1,485
81.21%
74.87%
2022
251
783
1,034
75.73%
72.69%
2021
212
909
1,121
81.09%
79.01%
2020
484
1,600
2,084
76.78%
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
10,071
4,152
14,223
29.19%
13.25%
2024
11,176
3,732
14,908
25.03%
12.32%
2023
12,746
3,947
16,693
23.64%
16.34%
2022
14,531
3,514
18,045
19.47%
11.13%
2021
15,754
3,895
19,649
19.82%
18.93%
2020
16,678
4,167
20,845
19.99%
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
462
50
512
9.77%
45.21%
2024
518
60
578
10.38%
45.23%
2023
487
42
529
7.94%
44.64%
2022
545
78
623
12.52%
46.15%
2021
629
48
677
7.09%
46.87%
2020
613
60
673
8.92%
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
1
1
100.00%
84.76%
2024
0
0
0
0.00%
84.35%
2023
0
2
2
100.00%
68.07%
2022
0
0
0
0.00%
77.84%
2021
1
2
3
66.67%
84.45%
2020
0
4
4
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
377
118
495
23.84%
63.59%
2024
345
107
452
23.67%
63.97%
2023
369
149
518
28.76%
62.55%
2022
525
155
680
22.79%
56.52%
2021
262
100
362
27.62%
62.74%
2020
261
156
417
37.41%
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
19
1
20
5.00%
3.84%
2024
20
1
21
4.76%
4.30%
2023
18
1
19
5.26%
4.57%
2022
21
0
21
0.00%
4.29%
2021
26
0
26
0.00%
5.64%
2020
32
0
32
0.00%
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
2,082
992
3,074
32.27%
34.83%
2024
2,451
1,337
3,788
35.30%
35.33%
2023
3,093
1,716
4,809
35.68%
35.67%
2022
3,237
3,435
6,672
51.48%
37.14%
2021
4,144
1,266
5,410
23.40%
35.46%
2020
4,598
1,639
6,237
26.28%
33.86%