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
203
134
337
39.76%
23.88%
2024
218
114
332
34.34%
23.31%
2023
175
62
237
26.16%
22.83%
2022
201
91
292
31.16%
23.10%
2021
211
111
322
34.47%
22.81%
2020
282
191
473
40.38%
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
113
113
226
50.00%
49.08%
2024
114
120
234
51.28%
47.46%
2023
104
105
209
50.24%
47.29%
2022
134
139
273
50.92%
45.44%
2021
158
175
333
52.55%
44.40%
2020
183
189
372
50.81%
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
6
6
12
50.00%
42.44%
2024
9
11
20
55.00%
41.75%
2023
11
10
21
47.62%
38.64%
2022
12
13
25
52.00%
39.39%
2021
54
77
131
58.78%
40.41%
2020
53
181
234
77.35%
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
350
179
529
33.84%
38.98%
2024
570
423
993
42.60%
39.58%
2023
3
5
8
62.50%
36.96%
2022
434
245
679
36.08%
37.07%
2021
1,258
850
2,108
40.32%
39.17%
2020
693
390
1,083
36.01%
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
41
42
97.62%
83.87%
2024
1
29
30
96.67%
81.44%
2023
0
17
17
100.00%
74.87%
2022
0
9
9
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
2
8
10
80.00%
13.25%
2024
3
9
12
75.00%
12.32%
2023
3
10
13
76.92%
16.34%
2022
4
11
15
73.33%
11.13%
2021
4
15
19
78.95%
18.93%
2020
11
17
28
60.71%
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
8
7
15
46.67%
46.87%
2020
65
134
199
67.34%
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
1
2
50.00%
56.52%
2021
1
1
2
50.00%
62.74%
2020
0
0
0
0.00%
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
1
1
2
50.00%
34.83%
2024
1
1
2
50.00%
35.33%
2023
2
1
3
33.33%
35.67%
2022
2
2
4
50.00%
37.14%
2021
1
3
4
75.00%
35.46%
2020
3
3
6
50.00%
33.86%