Reinsurance (Tables)

12 Months Ended

Dec. 31, 2025

Reinsurance

Schedule of effect of assumed and ceded premiums on net written and earned premiums and losses and LAE incurred

	Years Ended December 31,
	2025		2024		2023
Written Premiums
Direct	$	1,278,605	$	1,193,057	$	991,224
Assumed		23,765		20,279		30,850
Ceded		(126,733)		(119,931)		(96,779)
Net written premiums	$	1,175,637	$	1,093,405	$	925,295
Earned Premiums
Direct	$	1,244,722	$	1,102,695	$	897,598
Assumed		22,760		18,874		29,702
Ceded		(128,471)		(110,865)		(92,886)
Net earned premiums	$	1,139,011	$	1,010,704	$	834,414
Loss and LAE
Direct	$	861,713	$	786,819	$	691,768
Assumed		16,272		11,136		23,706
Ceded		(80,803)		(81,318)		(73,172)
Net loss and LAE	$	797,182	$	716,637	$	642,302