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
										2024
									
									
										328
									
									
										152
									
									
										480
									
									
										31.67%
									
									
										23.31%
									
								
										2023
									
									
										141
									
									
										68
									
									
										209
									
									
										32.54%
									
									
										22.83%
									
								
										2022
									
									
										178
									
									
										48
									
									
										226
									
									
										21.24%
									
									
										23.10%
									
								
										2021
									
									
										147
									
									
										41
									
									
										188
									
									
										21.81%
									
									
										22.81%
									
								
										2020
									
									
										133
									
									
										41
									
									
										174
									
									
										23.56%
									
									
										21.51%
									
								
										2019
									
									
										219
									
									
										77
									
									
										296
									
									
										26.01%
									
									
										22.66%
									
								
										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
										2024
									
									
										75
									
									
										111
									
									
										186
									
									
										59.68%
									
									
										47.45%
									
								
										2023
									
									
										69
									
									
										125
									
									
										194
									
									
										64.43%
									
									
										47.29%
									
								
										2022
									
									
										66
									
									
										108
									
									
										174
									
									
										62.07%
									
									
										45.44%
									
								
										2021
									
									
										88
									
									
										119
									
									
										207
									
									
										57.49%
									
									
										44.40%
									
								
										2020
									
									
										110
									
									
										115
									
									
										225
									
									
										51.11%
									
									
										42.45%
									
								
										2019
									
									
										209
									
									
										192
									
									
										401
									
									
										47.88%
									
									
										44.33%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										41.74%
									
								
										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
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										48.09%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										43.30%
									
								
										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
										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
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										39.17%
									
								
										2020
									
									
										2
									
									
										0
									
									
										2
									
									
										0.00%
									
									
										35.42%
									
								
										2019
									
									
										9
									
									
										0
									
									
										9
									
									
										0.00%
									
									
										35.34%
									
								
										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
										2024
									
									
										2
									
									
										0
									
									
										2
									
									
										0.00%
									
									
										96.09%
									
								
										2023
									
									
										2
									
									
										0
									
									
										2
									
									
										0.00%
									
									
										95.22%
									
								
										2022
									
									
										2
									
									
										0
									
									
										2
									
									
										0.00%
									
									
										96.00%
									
								
										2021
									
									
										2
									
									
										0
									
									
										2
									
									
										0.00%
									
									
										93.58%
									
								
										2020
									
									
										1
									
									
										0
									
									
										1
									
									
										0.00%
									
									
										94.02%
									
								
										2019
									
									
										1
									
									
										0
									
									
										1
									
									
										0.00%
									
									
										94.59%
									
								
										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
									
									
										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%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										93.92%
									
								
										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
									
									
										5
									
									
										0
									
									
										5
									
									
										0.00%
									
									
										81.44%
									
								
										2023
									
									
										4
									
									
										10
									
									
										14
									
									
										71.43%
									
									
										74.87%
									
								
										2022
									
									
										7
									
									
										10
									
									
										17
									
									
										58.82%
									
									
										72.69%
									
								
										2021
									
									
										3
									
									
										0
									
									
										3
									
									
										0.00%
									
									
										79.01%
									
								
										2020
									
									
										6
									
									
										0
									
									
										6
									
									
										0.00%
									
									
										80.13%
									
								
										2019
									
									
										8
									
									
										0
									
									
										8
									
									
										0.00%
									
									
										77.47%
									
								
										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
										2024
									
									
										3
									
									
										0
									
									
										3
									
									
										0.00%
									
									
										12.32%
									
								
										2023
									
									
										4
									
									
										1
									
									
										5
									
									
										20.00%
									
									
										16.34%
									
								
										2022
									
									
										6
									
									
										0
									
									
										6
									
									
										0.00%
									
									
										11.13%
									
								
										2021
									
									
										8
									
									
										0
									
									
										8
									
									
										0.00%
									
									
										18.93%
									
								
										2020
									
									
										3
									
									
										1
									
									
										4
									
									
										25.00%
									
									
										20.93%
									
								
										2019
									
									
										4
									
									
										0
									
									
										4
									
									
										0.00%
									
									
										16.90%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										45.22%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										44.64%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										46.15%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										46.87%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										43.90%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										42.09%
									
								
										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
										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%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										81.57%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										63.97%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										62.55%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										56.52%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										62.74%
									
								
										2020
									
									
										1
									
									
										0
									
									
										1
									
									
										0.00%
									
									
										61.51%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										70.02%
									
								
										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
										2024
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										35.33%
									
								
										2023
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										35.67%
									
								
										2022
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										37.14%
									
								
										2021
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										35.46%
									
								
										2020
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										33.86%
									
								
										2019
									
									
										0
									
									
										0
									
									
										0
									
									
										0.00%
									
									
										34.01%