North River Ins Co
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
562
378
940
40.21%
23.88%
2024
695
352
1,047
33.62%
23.31%
2023
596
295
891
33.11%
22.83%
2022
621
217
838
25.89%
23.10%
2021
568
158
726
21.76%
22.81%
2020
519
123
642
19.16%
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
302
2,749
3,051
90.10%
49.08%
2024
248
1,005
1,253
80.21%
47.46%
2023
220
777
997
77.93%
47.29%
2022
211
212
423
50.12%
45.44%
2021
228
161
389
41.39%
44.40%
2020
233
108
341
31.67%
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
119
158
277
57.04%
42.44%
2024
184
253
437
57.89%
41.75%
2023
269
238
507
46.94%
38.64%
2022
192
229
421
54.39%
39.39%
2021
217
254
471
53.93%
40.41%
2020
184
345
529
65.22%
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
11
2
13
15.38%
38.98%
2024
30
8
38
21.05%
39.58%
2023
49
10
59
16.95%
36.96%
2022
33
9
42
21.43%
37.07%
2021
56
12
68
17.65%
39.17%
2020
57
13
70
18.57%
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
2021
0
0
0
0.00%
93.58%
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
6
100
106
94.34%
83.87%
2024
7
110
117
94.02%
81.44%
2023
7
91
98
92.86%
74.87%
2022
5
85
90
94.44%
72.69%
2021
7
84
91
92.31%
79.01%
2020
5
95
100
95.00%
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
66
170
236
72.03%
13.25%
2024
278
205
483
42.44%
12.32%
2023
84
132
216
61.11%
16.34%
2022
84
143
227
63.00%
11.13%
2021
80
131
211
62.09%
18.93%
2020
74
186
260
71.54%
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
6
3
9
33.33%
45.21%
2024
8
2
10
20.00%
45.23%
2023
56
40
96
41.67%
44.64%
2022
47
36
83
43.37%
46.15%
2021
63
49
112
43.75%
46.87%
2020
75
46
121
38.02%
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
2021
0
0
0
0.00%
84.45%
2020
0
0
0
0.00%
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
5
46
51
90.20%
63.59%
2024
6
37
43
86.05%
63.97%
2023
5
20
25
80.00%
62.55%
2022
3
9
12
75.00%
56.52%
2021
13
21
34
61.76%
62.74%
2020
7
14
21
66.67%
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
328
1,346
1,674
80.41%
34.83%
2024
317
1,019
1,336
76.27%
35.33%
2023
310
980
1,290
75.97%
35.67%
2022
347
1,003
1,350
74.30%
37.14%
2021
302
868
1,170
74.19%
35.46%
2020
257
702
959
73.20%
33.86%