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
29,362
2,552
31,914
8.00%
23.88%
2024
32,477
2,595
35,072
7.40%
23.31%
2023
34,848
2,800
37,648
7.44%
22.83%
2022
34,492
2,833
37,325
7.59%
23.10%
2021
30,841
2,434
33,275
7.31%
22.81%
2020
27,070
2,162
29,232
7.40%
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
981
1,795
2,776
64.66%
49.08%
2024
977
1,602
2,579
62.12%
47.46%
2023
982
1,514
2,496
60.66%
47.29%
2022
941
1,372
2,313
59.32%
45.44%
2021
953
1,186
2,139
55.45%
44.40%
2020
1,039
1,200
2,239
53.60%
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
611
747
1,358
55.01%
42.44%
2024
743
816
1,559
52.34%
41.75%
2023
799
811
1,610
50.37%
38.64%
2022
788
775
1,563
49.58%
39.39%
2021
880
921
1,801
51.14%
40.41%
2020
928
1,486
2,414
61.56%
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
6,755
360
7,115
5.06%
38.98%
2024
9,457
541
9,998
5.41%
39.58%
2023
10,278
699
10,977
6.37%
36.96%
2022
8,422
554
8,976
6.17%
37.07%
2021
8,920
654
9,574
6.83%
39.17%
2020
8,681
446
9,127
4.89%
35.42%
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
2023
0
0
0
0.00%
92.52%
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
19
10
29
34.48%
83.87%
2024
19
9
28
32.14%
81.44%
2023
14
8
22
36.36%
74.87%
2022
14
7
21
33.33%
72.69%
2021
13
6
19
31.58%
79.01%
2020
14
6
20
30.00%
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
80
372
452
82.30%
13.25%
2024
78
365
443
82.39%
12.32%
2023
73
335
408
82.11%
16.34%
2022
80
306
386
79.27%
11.13%
2021
91
185
276
67.03%
18.93%
2020
96
178
274
64.96%
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
4,615
1,127
5,742
19.63%
45.21%
2024
4,933
1,299
6,232
20.84%
45.23%
2023
5,290
1,304
6,594
19.78%
44.64%
2022
4,938
1,409
6,347
22.20%
46.15%
2021
4,603
1,073
5,676
18.90%
46.87%
2020
4,325
806
5,131
15.71%
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
0
0
0.00%
84.76%
2024
0
0
0
0.00%
84.35%
2023
0
0
0
0.00%
68.07%
2022
0
0
0
0.00%
77.84%
2021
0
0
0
0.00%
84.45%
2020
0
0
0
0.00%
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
3
16
19
84.21%
63.59%
2024
3
20
23
86.96%
63.97%
2023
2
16
18
88.89%
62.55%
2022
3
11
14
78.57%
56.52%
2021
6
6
12
50.00%
62.74%
2020
5
6
11
54.55%
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
2,309
882
3,191
27.64%
34.83%
2024
2,338
882
3,220
27.39%
35.33%
2023
2,364
878
3,242
27.08%
35.67%
2022
2,457
1,033
3,490
29.60%
37.14%
2021
2,448
512
2,960
17.30%
35.46%
2020
2,343
829
3,172
26.13%
33.86%