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
60,512
21,189
81,701
25.93%
23.88%
2024
83,493
27,902
111,395
25.05%
23.31%
2023
112,607
37,385
149,992
24.92%
22.83%
2022
125,211
42,384
167,595
25.29%
23.10%
2021
103,874
37,876
141,750
26.72%
22.81%
2020
98,670
27,848
126,518
22.01%
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
2,125
5,631
7,756
72.60%
49.08%
2024
2,224
5,526
7,750
71.30%
47.46%
2023
2,522
5,075
7,597
66.80%
47.29%
2022
2,659
4,343
7,002
62.03%
45.44%
2021
1,981
3,264
5,245
62.23%
44.40%
2020
2,161
2,466
4,627
53.30%
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
479
442
921
47.99%
42.44%
2024
756
608
1,364
44.57%
41.75%
2023
1,048
763
1,811
42.13%
38.64%
2022
1,171
788
1,959
40.22%
39.39%
2021
1,123
724
1,847
39.20%
40.41%
2020
1,327
859
2,186
39.30%
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
8,791
6,210
15,001
41.40%
38.98%
2024
14,349
9,859
24,208
40.73%
39.58%
2023
21,985
11,210
33,195
33.77%
36.96%
2022
17,736
10,980
28,716
38.24%
37.07%
2021
17,713
12,221
29,934
40.83%
39.17%
2020
16,371
11,444
27,815
41.14%
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
23
106
129
82.17%
95.15%
2024
29
47
76
61.84%
96.08%
2023
20
39
59
66.10%
95.22%
2022
6
138
144
95.83%
96.00%
2021
2
153
155
98.71%
93.58%
2020
1
13
14
92.86%
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
10
21
31
67.74%
94.16%
2024
15
28
43
65.12%
92.29%
2023
16
28
44
63.64%
92.52%
2022
12
36
48
75.00%
92.14%
2021
10
33
43
76.74%
91.74%
2020
4
10
14
71.43%
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
26
617
643
95.96%
83.87%
2024
35
1,052
1,087
96.78%
81.44%
2023
28
506
534
94.76%
74.87%
2022
28
500
528
94.70%
72.69%
2021
17
536
553
96.93%
79.01%
2020
11
416
427
97.42%
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
307
868
1,175
73.87%
13.25%
2024
352
971
1,323
73.39%
12.32%
2023
384
1,121
1,505
74.49%
16.34%
2022
445
1,143
1,588
71.98%
11.13%
2021
397
1,018
1,415
71.94%
18.93%
2020
372
1,188
1,560
76.15%
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
11,622
13,698
25,320
54.10%
45.21%
2024
15,214
18,024
33,238
54.23%
45.23%
2023
19,405
24,729
44,134
56.03%
44.64%
2022
21,491
29,780
51,271
58.08%
46.15%
2021
18,640
26,718
45,358
58.90%
46.87%
2020
16,727
19,279
36,006
53.54%
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
5
5
100.00%
84.76%
2024
0
12
12
100.00%
84.35%
2023
0
7
7
100.00%
68.07%
2022
0
18
18
100.00%
77.84%
2021
0
5
5
100.00%
84.45%
2020
0
3
3
100.00%
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
30
50
80
62.50%
63.59%
2024
26
60
86
69.77%
63.97%
2023
28
64
92
69.57%
62.55%
2022
33
68
101
67.33%
56.52%
2021
27
78
105
74.29%
62.74%
2020
32
75
107
70.09%
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
2022
0
0
0
0.00%
4.29%
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
5,734
4,845
10,579
45.80%
34.83%
2024
6,095
4,928
11,023
44.71%
35.33%
2023
6,428
5,103
11,531
44.25%
35.67%
2022
6,505
6,516
13,021
50.04%
37.14%
2021
5,776
6,869
12,645
54.32%
35.46%
2020
5,750
5,688
11,438
49.73%
33.86%