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
8,760
1,666
10,426
15.98%
23.88%
2024
9,967
1,754
11,721
14.96%
23.31%
2023
10,200
1,754
11,954
14.67%
22.83%
2022
10,200
1,526
11,726
13.01%
23.10%
2021
6,935
618
7,553
8.18%
22.81%
2020
5,461
486
5,947
8.17%
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
83
16
99
16.16%
49.08%
2024
178
58
236
24.58%
47.46%
2023
708
62
770
8.05%
47.29%
2022
732
59
791
7.46%
45.44%
2021
0
0
0
0.00%
44.40%
2020
0
1
1
100.00%
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
349
90
439
20.50%
42.44%
2024
895
416
1,311
31.73%
41.75%
2023
2,242
474
2,716
17.45%
38.64%
2022
2,084
529
2,613
20.24%
39.39%
2021
529
214
743
28.80%
40.41%
2020
536
283
819
34.55%
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
636
446
1,082
41.22%
38.98%
2024
3,361
1,960
5,321
36.84%
39.58%
2023
2,580
1,458
4,038
36.11%
36.96%
2022
1,856
1,638
3,494
46.88%
37.07%
2021
1,299
87
1,386
6.28%
39.17%
2020
1,042
88
1,130
7.79%
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
6
82
88
93.18%
95.15%
2024
11
424
435
97.47%
96.08%
2023
4
527
531
99.25%
95.22%
2022
7
420
427
98.36%
96.00%
2021
2
1,272
1,274
99.84%
93.58%
2020
8
821
829
99.03%
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
2023
1
1
2
50.00%
92.52%
2022
2
8
10
80.00%
92.14%
2021
8
5
13
38.46%
91.74%
2020
0
3
3
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
104
1,643
1,747
94.05%
83.87%
2024
179
2,904
3,083
94.19%
81.44%
2023
256
2,023
2,279
88.77%
74.87%
2022
171
1,835
2,006
91.48%
72.69%
2021
69
1,009
1,078
93.60%
79.01%
2020
87
1,340
1,427
93.90%
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
1,617
362
1,979
18.29%
13.25%
2024
1,320
1,700
3,020
56.29%
12.32%
2023
2,349
1,920
4,269
44.98%
16.34%
2022
2,055
1,757
3,812
46.09%
11.13%
2021
529
905
1,434
63.11%
18.93%
2020
547
790
1,337
59.09%
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
2,540
2,376
4,916
48.33%
45.21%
2024
2,226
2,128
4,354
48.87%
45.23%
2023
2,295
2,334
4,629
50.42%
44.64%
2022
2,189
1,988
4,177
47.59%
46.15%
2021
2,455
1,417
3,872
36.60%
46.87%
2020
1,749
997
2,746
36.31%
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
2
8
10
80.00%
84.76%
2024
8
11
19
57.89%
84.35%
2023
4
19
23
82.61%
68.07%
2022
1
35
36
97.22%
77.84%
2021
12
60
72
83.33%
84.45%
2020
22
74
96
77.08%
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
1
1
2
50.00%
63.59%
2024
5
8
13
61.54%
63.97%
2023
2
12
14
85.71%
62.55%
2022
3
19
22
86.36%
56.52%
2021
3
14
17
82.35%
62.74%
2020
4
25
29
86.21%
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
2,614
201
2,815
7.14%
34.83%
2024
2,761
992
3,753
26.43%
35.33%
2023
3,205
1,345
4,550
29.56%
35.67%
2022
3,443
1,441
4,884
29.50%
37.14%
2021
1,322
514
1,836
28.00%
35.46%
2020
1,060
372
1,432
25.98%
33.86%