Income Taxes - Temporary Differences (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Deferred tax assets:
Discounting of loss reserves	$ 6,543	$ 5,504
Discounting of unearned premium reserve	26,488	24,723
Net unrealized losses on investments	63	9,078
Bad debt allowance	183	207
Employee benefits	3,783	4,164
Rent incentive	342	456
Other	189	123
Total deferred tax assets before valuation allowance	37,591	44,255
Total deferred tax assets	37,591	44,255
Deferred tax liabilities:
Deferred acquisition costs	(23,476)	(22,150)
Investments	(8,143)	(8,493)
Loss reserve transition adjustment		(277)
Software development costs	(903)	(1,189)
Premium acquisition expenses	(559)	(363)
Depreciation	(394)	(583)
Total deferred tax liabilities	(33,475)	(33,055)
Net deferred tax assets (liability)	4,116	11,200
Unrecognized tax benefits	0	0
Unrecognized tax benefits if recognized would affect the effective tax rate	0	0
Unrecognized tax benefits interest and penalties accrued	$ 0	$ 0