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
14,240
3,693
17,933
20.59%
23.88%
2024
0
0
0
0.00%
23.31%
2023
0
0
0
0.00%
22.83%
2022
0
0
0
0.00%
23.10%
2021
0
0
0
0.00%
22.81%
2020
0
0
0
0.00%
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
7,485
5,301
12,786
41.46%
49.08%
2024
8,067
5,639
13,706
41.14%
47.46%
2023
7,527
5,634
13,161
42.81%
47.29%
2022
7,549
5,505
13,054
42.17%
45.44%
2021
6,441
5,012
11,453
43.76%
44.40%
2020
5,856
3,683
9,539
38.61%
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
2,858
2,896
5,754
50.33%
42.44%
2024
3,470
3,517
6,987
50.34%
41.75%
2023
4,296
4,040
8,336
48.46%
38.64%
2022
4,149
4,417
8,566
51.56%
39.39%
2021
4,421
4,408
8,829
49.93%
40.41%
2020
4,587
6,404
10,991
58.27%
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
831
306
1,137
26.91%
38.98%
2024
895
293
1,188
24.66%
39.58%
2023
906
273
1,179
23.16%
36.96%
2022
556
198
754
26.26%
37.07%
2021
532
187
719
26.01%
39.17%
2020
317
100
417
23.98%
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
18
203
221
91.86%
95.15%
2024
6
232
238
97.48%
96.08%
2023
8
58
66
87.88%
95.22%
2022
9
63
72
87.50%
96.00%
2021
6
71
77
92.21%
93.58%
2020
6
81
87
93.10%
94.02%
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
2
24
26
92.31%
94.16%
2024
0
24
24
100.00%
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
354
7,800
8,154
95.66%
83.87%
2024
253
6,447
6,700
96.22%
81.44%
2023
271
5,765
6,036
95.51%
74.87%
2022
231
4,949
5,180
95.54%
72.69%
2021
202
3,887
4,089
95.06%
79.01%
2020
269
3,858
4,127
93.48%
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
940
3,378
4,318
78.23%
13.25%
2024
1,030
2,874
3,904
73.62%
12.32%
2023
868
2,592
3,460
74.91%
16.34%
2022
960
2,494
3,454
72.21%
11.13%
2021
727
2,090
2,817
74.19%
18.93%
2020
954
2,290
3,244
70.59%
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
718
193
911
21.19%
45.21%
2024
546
143
689
20.75%
45.23%
2023
112
314
426
73.71%
44.64%
2022
296
102
398
25.63%
46.15%
2021
187
43
230
18.70%
46.87%
2020
83
19
102
18.63%
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
19
19
100.00%
84.76%
2024
1
25
26
96.15%
84.35%
2023
2
19
21
90.48%
68.07%
2022
0
27
27
100.00%
77.84%
2021
1
29
30
96.67%
84.45%
2020
6
47
53
88.68%
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
72
130
202
64.36%
63.59%
2024
75
110
185
59.46%
63.97%
2023
93
117
210
55.71%
62.55%
2022
59
134
193
69.43%
56.52%
2021
44
114
158
72.15%
62.74%
2020
57
131
188
69.68%
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
21,925
15,465
37,390
41.36%
34.83%
2024
21,746
15,290
37,036
41.28%
35.33%
2023
19,490
13,398
32,888
40.74%
35.67%
2022
19,664
12,287
31,951
38.46%
37.14%
2021
20,438
12,477
32,915
37.91%
35.46%
2020
18,053
11,430
29,483
38.77%
33.86%