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
38,729
5,792
44,521
13.01%
23.88%
2024
27,538
4,406
31,944
13.79%
23.31%
2023
16,771
2,536
19,307
13.14%
22.83%
2022
9,570
1,385
10,955
12.64%
23.10%
2021
5,590
747
6,337
11.79%
22.81%
2020
2,500
359
2,859
12.56%
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
533
127
660
19.24%
49.08%
2024
554
103
657
15.68%
47.46%
2023
656
131
787
16.65%
47.29%
2022
728
143
871
16.42%
45.44%
2021
710
170
880
19.32%
44.40%
2020
702
144
846
17.02%
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
451
240
691
34.73%
42.44%
2024
568
357
925
38.59%
41.75%
2023
770
390
1,160
33.62%
38.64%
2022
763
475
1,238
38.37%
39.39%
2021
782
493
1,275
38.67%
40.41%
2020
914
1,204
2,118
56.85%
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
6,006
2,407
8,413
28.61%
38.98%
2024
4,670
1,796
6,466
27.78%
39.58%
2023
3,284
1,177
4,461
26.38%
36.96%
2022
1,494
605
2,099
28.82%
37.07%
2021
932
353
1,285
27.47%
39.17%
2020
356
118
474
24.89%
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
2021
1
0
1
0.00%
93.58%
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
2
2
100.00%
92.29%
2023
0
5
5
100.00%
92.52%
2022
0
2
2
100.00%
92.14%
2021
0
1
1
100.00%
91.74%
2020
0
6
6
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
2025
3
2
5
40.00%
83.87%
2024
0
1
1
100.00%
81.44%
2023
1
3
4
75.00%
74.87%
2022
2
0
2
0.00%
72.69%
2021
0
1
1
100.00%
79.01%
2020
1
0
1
0.00%
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
20
25
45
55.56%
13.25%
2024
33
29
62
46.77%
12.32%
2023
28
43
71
60.56%
16.34%
2022
43
55
98
56.12%
11.13%
2021
42
44
86
51.16%
18.93%
2020
27
42
69
60.87%
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
5,472
1,216
6,688
18.18%
45.21%
2024
3,959
787
4,746
16.58%
45.23%
2023
2,259
469
2,728
17.19%
44.64%
2022
1,258
234
1,492
15.68%
46.15%
2021
651
111
762
14.57%
46.87%
2020
199
26
225
11.56%
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
14
10
24
41.67%
63.59%
2024
19
17
36
47.22%
63.97%
2023
23
14
37
37.84%
62.55%
2022
27
28
55
50.91%
56.52%
2021
18
31
49
63.27%
62.74%
2020
33
39
72
54.17%
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
795
249
1,044
23.85%
34.83%
2024
923
224
1,147
19.53%
35.33%
2023
1,103
333
1,436
23.19%
35.67%
2022
1,203
466
1,669
27.92%
37.14%
2021
1,255
404
1,659
24.35%
35.46%
2020
1,448
414
1,862
22.23%
33.86%