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
277
183
460
39.78%
23.88%
2024
298
155
453
34.22%
23.31%
2023
239
85
324
26.23%
22.83%
2022
275
125
400
31.25%
23.10%
2021
288
152
440
34.55%
22.81%
2020
385
261
646
40.40%
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
155
154
309
49.84%
49.08%
2024
155
163
318
51.26%
47.46%
2023
141
144
285
50.53%
47.29%
2022
182
190
372
51.08%
45.44%
2021
215
238
453
52.54%
44.40%
2020
250
258
508
50.79%
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
8
8
16
50.00%
42.44%
2024
13
15
28
53.57%
41.75%
2023
16
14
30
46.67%
38.64%
2022
16
18
34
52.94%
39.39%
2021
74
105
179
58.66%
40.41%
2020
72
247
319
77.43%
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
478
244
722
33.80%
38.98%
2024
778
577
1,355
42.58%
39.58%
2023
4
7
11
63.64%
36.96%
2022
592
335
927
36.14%
37.07%
2021
1,716
1,160
2,876
40.33%
39.17%
2020
945
532
1,477
36.02%
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
2
55
57
96.49%
83.87%
2024
2
40
42
95.24%
81.44%
2023
1
23
24
95.83%
74.87%
2022
0
12
12
100.00%
72.69%
2021
0
1
1
100.00%
79.01%
2020
0
0
0
0.00%
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
3
12
15
80.00%
13.25%
2024
4
12
16
75.00%
12.32%
2023
4
13
17
76.47%
16.34%
2022
6
15
21
71.43%
11.13%
2021
6
20
26
76.92%
18.93%
2020
15
23
38
60.53%
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
0
0
0.00%
45.21%
2024
0
0
0
0.00%
45.23%
2023
0
0
0
0.00%
44.64%
2022
0
0
0
0.00%
46.15%
2021
11
9
20
45.00%
46.87%
2020
88
182
270
67.41%
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
0
0
0
0.00%
63.59%
2024
0
2
2
100.00%
63.97%
2023
1
1
2
50.00%
62.55%
2022
1
2
3
66.67%
56.52%
2021
2
2
4
50.00%
62.74%
2020
1
1
2
50.00%
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
1
3
33.33%
34.83%
2024
2
1
3
33.33%
35.33%
2023
2
2
4
50.00%
35.67%
2022
3
3
6
50.00%
37.14%
2021
2
4
6
66.67%
35.46%
2020
4
4
8
50.00%
33.86%