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
1,052
31
1,083
2.86%
23.88%
2024
1,220
26
1,246
2.09%
23.31%
2023
571
571
1,142
50.00%
22.83%
2022
2,752
2,544
5,296
48.04%
23.10%
2021
7,871
937
8,808
10.64%
22.81%
2020
7,024
1,308
8,332
15.70%
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
1,337
77
1,414
5.45%
49.08%
2024
1,379
68
1,447
4.70%
47.46%
2023
1,228
32
1,260
2.54%
47.29%
2022
3,673
593
4,266
13.90%
45.44%
2021
1,009
122
1,131
10.79%
44.40%
2020
1,338
142
1,480
9.59%
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
1,094
12
1,106
1.08%
42.44%
2024
1,366
7
1,373
0.51%
41.75%
2023
1,313
8
1,321
0.61%
38.64%
2022
952
6
958
0.63%
39.39%
2021
1,128
29
1,157
2.51%
40.41%
2020
1,341
203
1,544
13.15%
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
96
0
96
0.00%
38.98%
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
284
55
339
16.22%
39.17%
2020
1,128
247
1,375
17.96%
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
0
0
0
0.00%
95.15%
2024
0
0
0
0.00%
96.08%
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
0
0
0
0.00%
94.16%
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%
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
131
17
148
11.49%
83.87%
2024
106
9
115
7.83%
81.44%
2023
80
3
83
3.61%
74.87%
2022
97
5
102
4.90%
72.69%
2021
70
6
76
7.89%
79.01%
2020
84
12
96
12.50%
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
179
13
192
6.77%
13.25%
2024
106
27
133
20.30%
12.32%
2023
70
15
85
17.65%
16.34%
2022
71
22
93
23.66%
11.13%
2021
56
37
93
39.78%
18.93%
2020
272
62
334
18.56%
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
2022
860
436
1,296
33.64%
46.15%
2021
1,722
902
2,624
34.38%
46.87%
2020
2,210
0
2,210
0.00%
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
25
3
28
10.71%
63.59%
2024
43
7
50
14.00%
63.97%
2023
55
4
59
6.78%
62.55%
2022
48
2
50
4.00%
56.52%
2021
8
0
8
0.00%
62.74%
2020
85
6
91
6.59%
61.51%
Warranty
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
5,306
1,152
6,458
17.84%
3.84%
2024
29,538
6,911
36,449
18.96%
4.30%
2023
29,620
8,198
37,818
21.68%
4.57%
2022
29,114
8,656
37,770
22.92%
4.29%
2021
29,048
9,935
38,983
25.49%
5.64%
2020
27,353
10,933
38,286
28.56%
5.60%
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
26,688
972
27,660
3.51%
34.83%
2024
25,359
989
26,348
3.75%
35.33%
2023
28,530
672
29,202
2.30%
35.67%
2022
25,841
691
26,532
2.60%
37.14%
2021
17,197
560
17,757
3.15%
35.46%
2020
17,784
112
17,896
0.63%
33.86%