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
399
12
411
2.92%
23.88%
2024
463
10
473
2.11%
23.31%
2023
216
216
432
50.00%
22.83%
2022
1,044
965
2,009
48.03%
23.10%
2021
2,986
356
3,342
10.65%
22.81%
2020
3,193
595
3,788
15.71%
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
507
29
536
5.41%
49.08%
2024
523
26
549
4.74%
47.46%
2023
466
12
478
2.51%
47.29%
2022
1,393
225
1,618
13.91%
45.44%
2021
383
46
429
10.72%
44.40%
2020
608
65
673
9.66%
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
415
4
419
0.95%
42.44%
2024
518
3
521
0.58%
41.75%
2023
498
3
501
0.60%
38.64%
2022
361
2
363
0.55%
39.39%
2021
428
11
439
2.51%
40.41%
2020
610
92
702
13.11%
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
36
0
36
0.00%
38.98%
2024
0
0
0
0.00%
39.58%
2023
0
0
0
0.00%
36.96%
2022
0
0
0
0.00%
37.07%
2021
108
21
129
16.28%
39.17%
2020
513
112
625
17.92%
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
0
0
0
0.00%
95.15%
2024
0
0
0
0.00%
96.08%
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
0
0
0
0.00%
94.16%
2024
0
0
0
0.00%
92.29%
2023
0
0
0
0.00%
92.52%
2022
0
0
0
0.00%
92.14%
2021
0
0
0
0.00%
91.74%
2020
0
0
0
0.00%
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
2025
50
6
56
10.71%
83.87%
2024
40
3
43
6.98%
81.44%
2023
30
1
31
3.23%
74.87%
2022
37
2
39
5.13%
72.69%
2021
27
2
29
6.90%
79.01%
2020
38
6
44
13.64%
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
68
5
73
6.85%
13.25%
2024
40
10
50
20.00%
12.32%
2023
27
6
33
18.18%
16.34%
2022
27
8
35
22.86%
11.13%
2021
21
14
35
40.00%
18.93%
2020
124
28
152
18.42%
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
2022
326
165
491
33.60%
46.15%
2021
653
342
995
34.37%
46.87%
2020
1,005
0
1,005
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
9
1
10
10.00%
63.59%
2024
16
3
19
15.79%
63.97%
2023
21
2
23
8.70%
62.55%
2022
18
1
19
5.26%
56.52%
2021
3
0
3
0.00%
62.74%
2020
39
3
42
7.14%
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
2025
2,013
437
2,450
17.84%
3.84%
2024
11,204
2,621
13,825
18.96%
4.30%
2023
11,235
3,109
14,344
21.67%
4.57%
2022
11,043
3,283
14,326
22.92%
4.29%
2021
11,018
3,768
14,786
25.48%
5.64%
2020
12,433
4,970
17,403
28.56%
5.60%
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
10,123
369
10,492
3.52%
34.83%
2024
9,619
375
9,994
3.75%
35.33%
2023
10,822
255
11,077
2.30%
35.67%
2022
9,802
262
10,064
2.60%
37.14%
2021
6,523
213
6,736
3.16%
35.46%
2020
8,084
51
8,135
0.63%
33.86%