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
208
13
221
5.88%
23.88%
2024
1,052
48
1,100
4.36%
23.31%
2023
5
-4
1
-400.00%
22.83%
2022
96
12
108
11.11%
23.10%
2021
104
4
108
3.70%
22.81%
2020
2
1
3
33.33%
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
66
28
94
29.79%
49.08%
2024
63
50
113
44.25%
47.46%
2023
42
16
58
27.59%
47.29%
2022
54
30
84
35.71%
45.44%
2021
74
8
82
9.76%
44.40%
2020
50
0
50
0.00%
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
124
29
153
18.95%
42.44%
2024
109
15
124
12.10%
41.75%
2023
109
51
160
31.88%
38.64%
2022
103
87
190
45.79%
39.39%
2021
169
15
184
8.15%
40.41%
2020
145
24
169
14.20%
48.09%
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
143
53
196
27.04%
83.87%
2024
127
1
128
0.78%
81.44%
2023
204
67
271
24.72%
74.87%
2022
179
40
219
18.26%
72.69%
2021
222
64
286
22.38%
79.01%
2020
85
64
149
42.95%
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
32
20
52
38.46%
13.25%
2024
49
1
50
2.00%
12.32%
2023
24
85
109
77.98%
16.34%
2022
24
146
170
85.88%
11.13%
2021
61
293
354
82.77%
18.93%
2020
169
203
372
54.57%
20.93%
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
4
0
4
0.00%
84.35%
2023
13
2
15
13.33%
68.07%
2022
8
0
8
0.00%
77.84%
2021
19
3
22
13.64%
84.45%
2020
15
4
19
21.05%
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
0
2
2
100.00%
63.59%
2024
1
0
1
0.00%
63.97%
2023
0
2
2
100.00%
62.55%
2022
2
0
2
0.00%
56.52%
2021
2
1
3
33.33%
62.74%
2020
2
1
3
33.33%
61.51%