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
11,948
5,793
17,741
32.65%
23.88%
2024
11,820
5,633
17,453
32.28%
23.31%
2023
10,551
4,306
14,857
28.98%
22.83%
2022
9,480
3,636
13,116
27.72%
23.10%
2021
8,857
3,245
12,102
26.81%
22.81%
2020
7,655
3,224
10,879
29.64%
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
8,070
9,875
17,945
55.03%
49.08%
2024
7,986
8,774
16,760
52.35%
47.46%
2023
7,223
6,674
13,897
48.02%
47.29%
2022
6,748
5,459
12,207
44.72%
45.44%
2021
5,898
5,115
11,013
46.45%
44.40%
2020
6,507
4,509
11,016
40.93%
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
3,552
4,550
8,102
56.16%
42.44%
2024
4,618
4,915
9,533
51.56%
41.75%
2023
4,630
4,997
9,627
51.91%
38.64%
2022
4,617
4,351
8,968
48.52%
39.39%
2021
5,513
5,278
10,791
48.91%
40.41%
2020
4,857
10,183
15,040
67.71%
48.09%
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
55
3,657
3,712
98.52%
95.15%
2024
47
3,624
3,671
98.72%
96.08%
2023
56
3,264
3,320
98.31%
95.22%
2022
44
2,598
2,642
98.33%
96.00%
2021
60
2,315
2,375
97.47%
93.58%
2020
49
2,994
3,043
98.39%
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
23
2,419
2,442
99.06%
94.16%
2024
19
2,227
2,246
99.15%
92.29%
2023
23
2,312
2,335
99.01%
92.52%
2022
21
1,896
1,917
98.90%
92.14%
2021
22
1,865
1,887
98.83%
91.74%
2020
31
1,794
1,825
98.30%
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
614
9,082
9,696
93.67%
83.87%
2024
628
8,060
8,688
92.77%
81.44%
2023
610
7,528
8,138
92.50%
74.87%
2022
603
6,917
7,520
91.98%
72.69%
2021
614
7,376
7,990
92.32%
79.01%
2020
955
8,101
9,056
89.45%
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
2,185
4,774
6,959
68.60%
13.25%
2024
2,782
4,012
6,794
59.05%
12.32%
2023
2,039
2,631
4,670
56.34%
16.34%
2022
1,427
2,390
3,817
62.61%
11.13%
2021
2,093
1,860
3,953
47.05%
18.93%
2020
3,497
1,967
5,464
36.00%
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
197
12
209
5.74%
45.21%
2024
146
14
160
8.75%
45.23%
2023
155
20
175
11.43%
44.64%
2022
98
19
117
16.24%
46.15%
2021
70
9
79
11.39%
46.87%
2020
78
17
95
17.89%
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
78
78
100.00%
84.76%
2024
4
58
62
93.55%
84.35%
2023
3
72
75
96.00%
68.07%
2022
1
51
52
98.08%
77.84%
2021
1
44
45
97.78%
84.45%
2020
2
53
55
96.36%
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
31
167
198
84.34%
63.59%
2024
20
105
125
84.00%
63.97%
2023
18
103
121
85.12%
62.55%
2022
8
92
100
92.00%
56.52%
2021
19
78
97
80.41%
62.74%
2020
17
68
85
80.00%
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
4,536
73
4,609
1.58%
3.84%
2024
4,957
60
5,017
1.20%
4.30%
2023
5,008
70
5,078
1.38%
4.57%
2022
4,914
105
5,019
2.09%
4.29%
2021
4,913
129
5,042
2.56%
5.64%
2020
4,557
78
4,635
1.68%
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
13,168
12,975
26,143
49.63%
34.83%
2024
11,971
12,854
24,825
51.78%
35.33%
2023
10,391
12,371
22,762
54.35%
35.67%
2022
9,835
11,239
21,074
53.33%
37.14%
2021
7,669
10,159
17,828
56.98%
35.46%
2020
8,228
9,385
17,613
53.28%
33.86%