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
218
6
224
2.68%
23.88%
2024
252
5
257
1.95%
23.31%
2023
118
118
236
50.00%
22.83%
2022
569
526
1,095
48.04%
23.10%
2021
1,629
194
1,823
10.64%
22.81%
2020
1,277
238
1,515
15.71%
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
277
16
293
5.46%
49.08%
2024
285
14
299
4.68%
47.46%
2023
254
7
261
2.68%
47.29%
2022
760
123
883
13.93%
45.44%
2021
209
25
234
10.68%
44.40%
2020
243
26
269
9.67%
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
226
2
228
0.88%
42.44%
2024
283
1
284
0.35%
41.75%
2023
272
2
274
0.73%
38.64%
2022
197
1
198
0.51%
39.39%
2021
233
6
239
2.51%
40.41%
2020
244
37
281
13.17%
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
20
0
20
0.00%
38.98%
2024
0
0
0
0.00%
39.58%
2023
0
0
0
0.00%
36.96%
2022
0
0
0
0.00%
37.07%
2021
59
11
70
15.71%
39.17%
2020
205
45
250
18.00%
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%
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
0
0
0
0.00%
94.16%
2024
0
0
0
0.00%
92.29%
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
27
3
30
10.00%
83.87%
2024
22
2
24
8.33%
81.44%
2023
17
1
18
5.56%
74.87%
2022
20
1
21
4.76%
72.69%
2021
15
1
16
6.25%
79.01%
2020
15
2
17
11.76%
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
37
3
40
7.50%
13.25%
2024
22
6
28
21.43%
12.32%
2023
15
3
18
16.67%
16.34%
2022
15
5
20
25.00%
11.13%
2021
12
8
20
40.00%
18.93%
2020
49
11
60
18.33%
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
2022
178
90
268
33.58%
46.15%
2021
356
187
543
34.44%
46.87%
2020
402
0
402
0.00%
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
5
1
6
16.67%
63.59%
2024
9
1
10
10.00%
63.97%
2023
11
1
12
8.33%
62.55%
2022
10
0
10
0.00%
56.52%
2021
2
0
2
0.00%
62.74%
2020
16
1
17
5.88%
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
1,098
238
1,336
17.81%
3.84%
2024
6,111
1,430
7,541
18.96%
4.30%
2023
6,128
1,696
7,824
21.68%
4.57%
2022
6,024
1,791
7,815
22.92%
4.29%
2021
6,010
2,055
8,065
25.48%
5.64%
2020
4,973
1,988
6,961
28.56%
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
5,522
201
5,723
3.51%
34.83%
2024
5,247
205
5,452
3.76%
35.33%
2023
5,903
139
6,042
2.30%
35.67%
2022
5,346
143
5,489
2.61%
37.14%
2021
3,558
116
3,674
3.16%
35.46%
2020
3,233
20
3,253
0.61%
33.86%