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
1,404
473
1,877
25.20%
23.88%
2024
1,381
346
1,727
20.03%
23.31%
2023
1,354
382
1,736
22.00%
22.83%
2022
1,433
368
1,801
20.43%
23.10%
2021
1,457
246
1,703
14.45%
22.81%
2020
1,390
247
1,637
15.09%
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
1,045
247
1,292
19.12%
49.08%
2024
883
199
1,082
18.39%
47.46%
2023
918
224
1,142
19.61%
47.29%
2022
985
245
1,230
19.92%
45.44%
2021
913
222
1,135
19.56%
44.40%
2020
914
185
1,099
16.83%
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
437
277
714
38.80%
42.44%
2024
477
277
754
36.74%
41.75%
2023
541
277
818
33.86%
38.64%
2022
538
302
840
35.95%
39.39%
2021
552
250
802
31.17%
40.41%
2020
688
733
1,421
51.58%
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
0
2
2
100.00%
95.15%
2023
0
2
2
100.00%
95.22%
2022
0
1
1
100.00%
96.00%
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
2024
1
0
1
0.00%
92.29%
2023
0
1
1
100.00%
92.52%
2022
0
3
3
100.00%
92.14%
2021
0
1
1
100.00%
91.74%
2020
0
4
4
100.00%
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
2024
1
0
1
0.00%
81.44%
2022
1
0
1
0.00%
72.69%
2021
1
1
2
50.00%
79.01%
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
85
61
146
41.78%
13.25%
2024
44
80
124
64.52%
12.32%
2023
69
69
138
50.00%
16.34%
2022
96
94
190
49.47%
11.13%
2021
92
89
181
49.17%
18.93%
2020
95
94
189
49.74%
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
2025
2
0
2
0.00%
45.21%
2022
1
1
2
50.00%
46.15%
2020
4
0
4
0.00%
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
18
16
34
47.06%
63.59%
2024
18
33
51
64.71%
63.97%
2023
18
16
34
47.06%
62.55%
2022
16
13
29
44.83%
56.52%
2021
17
5
22
22.73%
62.74%
2020
17
15
32
46.88%
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
1,202
304
1,506
20.19%
34.83%
2024
1,367
363
1,730
20.98%
35.33%
2023
1,674
475
2,149
22.10%
35.67%
2022
1,558
535
2,093
25.56%
37.14%
2021
1,480
464
1,944
23.87%
35.46%
2020
1,470
357
1,827
19.54%
33.86%