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
1,960
311
2,271
13.69%
23.88%
2024
3
0
3
0.00%
23.31%
2023
5,432
583
6,015
9.69%
22.83%
2022
4,977
523
5,500
9.51%
23.10%
2021
5,252
505
5,757
8.77%
22.81%
2020
5,344
540
5,884
9.18%
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
301
110
411
26.76%
49.08%
2024
322
114
436
26.15%
47.46%
2023
300
112
412
27.18%
47.29%
2022
279
95
374
25.40%
45.44%
2021
248
82
330
24.85%
44.40%
2020
233
87
320
27.19%
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
249
105
354
29.66%
42.44%
2024
0
0
0
0.00%
41.75%
2023
0
0
0
0.00%
38.64%
2022
0
0
0
0.00%
39.39%
2021
0
0
0
0.00%
40.41%
2020
263
175
438
39.95%
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
283
100
383
26.11%
38.98%
2024
544
172
716
24.02%
39.58%
2023
1,194
316
1,510
20.93%
36.96%
2022
836
340
1,176
28.91%
37.07%
2021
789
398
1,187
33.53%
39.17%
2020
1,781
583
2,364
24.66%
35.42%
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
8
3
11
27.27%
13.25%
2024
7
3
10
30.00%
12.32%
2023
6
3
9
33.33%
16.34%
2022
5
3
8
37.50%
11.13%
2021
4
4
8
50.00%
18.93%
2020
5
7
12
58.33%
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
325
85
410
20.73%
45.21%
2024
559
154
713
21.60%
45.23%
2023
829
223
1,052
21.20%
44.64%
2022
800
227
1,027
22.10%
46.15%
2021
922
249
1,171
21.26%
46.87%
2020
963
243
1,206
20.15%
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
2
0
2
0.00%
63.59%
2024
2
0
2
0.00%
63.97%
2023
2
1
3
33.33%
62.55%
2022
1
1
2
50.00%
56.52%
2021
1
1
2
50.00%
62.74%
2020
1
1
2
50.00%
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
99
21
120
17.50%
34.83%
2024
116
27
143
18.88%
35.33%
2023
116
38
154
24.68%
35.67%
2022
114
80
194
41.24%
37.14%
2021
101
44
145
30.34%
35.46%
2020
100
34
134
25.37%
33.86%