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
7,165
2,518
9,683
26.00%
23.88%
2024
601
280
881
31.78%
23.31%
2023
935
146
1,081
13.51%
22.83%
2022
1,011
665
1,676
39.68%
23.10%
2021
793
738
1,531
48.20%
22.81%
2020
739
916
1,655
55.35%
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
1,759
974
2,733
35.64%
49.08%
2024
561
310
871
35.59%
47.46%
2023
894
305
1,199
25.44%
47.29%
2022
997
594
1,591
37.34%
45.44%
2021
609
692
1,301
53.19%
44.40%
2020
600
745
1,345
55.39%
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
817
395
1,212
32.59%
42.44%
2024
81
656
737
89.01%
41.75%
2023
322
630
952
66.18%
38.64%
2022
449
1,206
1,655
72.87%
39.39%
2021
455
1,372
1,827
75.10%
40.41%
2020
758
2,112
2,870
73.59%
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
356
142
498
28.51%
38.98%
2024
0
0
0
0.00%
39.58%
2023
7
3
10
30.00%
36.96%
2022
8
3
11
27.27%
37.07%
2021
9
3
12
25.00%
39.17%
2020
8
4
12
33.33%
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
7
211
218
96.79%
83.87%
2024
10
62
72
86.11%
81.44%
2023
21
154
175
88.00%
74.87%
2022
27
169
196
86.22%
72.69%
2021
45
201
246
81.71%
79.01%
2020
9
129
138
93.48%
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
2,280
176
2,456
7.17%
13.25%
2024
6
13
19
68.42%
12.32%
2023
1,215
43
1,258
3.42%
16.34%
2022
1,227
50
1,277
3.92%
11.13%
2021
1,076
94
1,170
8.03%
18.93%
2020
741
97
838
11.58%
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
1,258
721
1,979
36.43%
45.21%
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
1
0
1
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
2,442
2,541
4,983
50.99%
34.83%
2024
1,533
935
2,468
37.88%
35.33%
2023
1,373
679
2,052
33.09%
35.67%
2022
1,226
548
1,774
30.89%
37.14%
2021
1,084
596
1,680
35.48%
35.46%
2020
1,283
762
2,045
37.26%
33.86%