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
379
88
467
18.84%
23.88%
2024
491
124
615
20.16%
23.31%
2023
573
161
734
21.93%
22.83%
2022
638
195
833
23.41%
23.10%
2021
759
160
919
17.41%
22.81%
2020
791
156
947
16.47%
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
140
71
211
33.65%
49.08%
2024
178
81
259
31.27%
47.46%
2023
212
111
323
34.37%
47.29%
2022
220
74
294
25.17%
45.44%
2021
249
124
373
33.24%
44.40%
2020
279
151
430
35.12%
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
922
1,000
1,922
52.03%
42.44%
2024
1,392
1,237
2,629
47.05%
41.75%
2023
1,794
1,389
3,183
43.64%
38.64%
2022
1,930
1,413
3,343
42.27%
39.39%
2021
2,437
1,675
4,112
40.73%
40.41%
2020
2,173
3,840
6,013
63.86%
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
3,140
1,656
4,796
34.53%
38.98%
2024
5,211
1,851
7,062
26.21%
39.58%
2023
7,139
2,312
9,451
24.46%
36.96%
2022
4,534
1,714
6,248
27.43%
37.07%
2021
3,967
1,734
5,701
30.42%
39.17%
2020
4,858
1,892
6,750
28.03%
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
1
4
5
80.00%
83.87%
2024
0
4
4
100.00%
81.44%
2023
1
10
11
90.91%
74.87%
2022
0
4
4
100.00%
72.69%
2021
0
5
5
100.00%
79.01%
2020
1
5
6
83.33%
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
27
120
147
81.63%
13.25%
2024
24
39
63
61.90%
12.32%
2023
23
38
61
62.30%
16.34%
2022
16
76
92
82.61%
11.13%
2021
19
90
109
82.57%
18.93%
2020
33
103
136
75.74%
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
2023
6
8
14
57.14%
44.64%
2022
28
3
31
9.68%
46.15%
2021
31
14
45
31.11%
46.87%
2020
28
23
51
45.10%
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
1
2
3
66.67%
63.59%
2024
2
3
5
60.00%
63.97%
2023
1
2
3
66.67%
62.55%
2022
6
12
18
66.67%
56.52%
2021
5
20
25
80.00%
62.74%
2020
12
15
27
55.56%
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
1,227
1,112
2,339
47.54%
34.83%
2024
1,173
1,207
2,380
50.71%
35.33%
2023
1,137
1,043
2,180
47.84%
35.67%
2022
1,157
883
2,040
43.28%
37.14%
2021
1,047
803
1,850
43.41%
35.46%
2020
1,057
710
1,767
40.18%
33.86%