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Segment Information (Tables)
6 Months Ended
Jun. 30, 2016
Segment Reporting [Abstract]  
Schedule of Segment Reporting Information
The following tables present information by reportable segment (dollars in thousands):
Three Months Ended June 30, 2016
 
Commercial Lines
 
Personal Lines
 
Corporate
& Other
 
Total
Gross written premiums
 
$
22,821

 
$
6,904

 
$

 
$
29,725

Net written premiums
 
$
20,548

 
$
5,628

 
$

 
$
26,176

 
 
 
 
 
 
 
 
 
Net earned premiums
 
$
16,484

 
$
5,191

 
$

 
$
21,675

Other income
 
83

 
187

 
13

 
283

Segment revenue
 
16,567

 
5,378

 
13

 
21,958

Losses and loss adjustment expenses, net
 
9,344

 
4,197

 

 
13,541

Policy acquisition costs
 
4,366

 
1,648

 

 
6,014

Operating expenses
 
1,610

 
766

 
2,160

 
4,536

Segment expenses
 
15,320

 
6,611

 
2,160

 
24,091

Segment underwriting gain (loss)
 
$
1,247

 
$
(1,233
)
 
$
(2,147
)
 
$
(2,133
)
 
 
 
 
 
 
 
 
 
Investment income
 
 

 
 

 
528

 
528

Net realized investment gains (losses)
 
 

 
 

 
541

 
541

Interest expense
 
 

 
 

 
(143
)
 
(143
)
Income (loss) before equity earnings of affiliates and income taxes
 
 

 
 

 
$
(1,221
)
 
$
(1,207
)
Three Months Ended June 30, 2015
 
Commercial Lines
 
Personal Lines
 
Corporate
& Other
 
Total
Gross written premiums
 
$
18,326

 
$
4,733

 
$

 
$
23,059

Net written premiums
 
$
12,524

 
$
3,418

 
$

 
$
15,942

 
 
 
 
 
 
 
 
 
Net earned premiums
 
$
10,670

 
$
4,445

 
$

 
$
15,115

Other income
 
325

 
108

 
47

 
480

Segment revenue
 
10,995

 
4,553

 
47

 
15,595

Losses and loss adjustment expenses, net
 
5,477

 
3,499

 

 
8,976

Policy acquisition costs
 
1,917

 
722

 

 
2,639

Operating expenses
 
1,211

 
210

 
2,198

 
3,619

Segment expenses
 
8,605

 
4,431

 
2,198

 
15,234

Segment underwriting gain (loss)
 
$
2,390

 
$
122

 
$
(2,151
)
 
$
361

 
 
 
 
 
 
 
 
 
Investment income
 
 

 
 

 
469

 
469

Net realized investment gains (losses)
 
 

 
 

 
87

 
87

Interest expense
 
 

 
 

 
(239
)
 
(239
)
Income (loss) before equity earnings of affiliates and income taxes
 
 

 
 

 
$
(1,834
)
 
$
678



 
Six Months Ended June 30, 2016
 
Commercial Lines
 
Personal Lines
 
Corporate
& Other
 
Total
Gross written premiums
 
$
41,965

 
$
13,153

 
$

 
$
55,118

Net written premiums
 
$
37,536

 
$
10,690

 
$

 
$
48,226

 
 
 
 
 
 
 
 
 
Net earned premiums
 
$
31,763

 
$
10,021

 
$

 
$
41,784

Other income
 
182

 
318

 
28

 
528

Segment revenue
 
31,945

 
10,339

 
28

 
42,312

Losses and loss adjustment expenses, net
 
17,980

 
8,260

 

 
26,240

Policy acquisition costs
 
8,752

 
3,265

 

 
12,017

Operating expenses
 
3,344

 
1,435

 
3,896

 
8,675

Segment expenses
 
30,076

 
12,960

 
3,896

 
46,932

Segment underwriting gain (loss)
 
$
1,869

 
$
(2,621
)
 
$
(3,868
)
 
$
(4,620
)
 
 
 
 
 
 
 
 
 
Investment income
 
 

 
 

 
1,065

 
1,065

Net realized investment gains (losses)
 
 

 
 

 
533

 
533

Interest expense
 
 

 
 

 
(300
)
 
(300
)
Income (loss) before equity earnings of affiliates and income taxes
 
 

 
 

 
$
(2,570
)
 
$
(3,322
)
Six Months Ended June 30, 2015
 
Commercial Lines
 
Personal Lines
 
Corporate
& Other
 
Total
Gross written premiums
 
$
34,068

 
$
10,195

 
$

 
$
44,263

Net written premiums
 
$
22,378

 
$
7,230

 
$

 
$
29,608

 
 
 
 
 
 
 
 
 
Net earned premiums
 
$
20,158

 
$
9,450

 
$

 
$
29,608

Other income
 
674

 
236

 
59

 
969

Segment revenue
 
20,832

 
9,686

 
59

 
30,577

Losses and loss adjustment expenses, net
 
10,794

 
6,752

 

 
17,546

Policy acquisition costs
 
3,655

 
1,579

 

 
5,234

Operating expenses
 
2,683

 
623

 
4,005

 
7,311

Segment expenses
 
17,132

 
8,954

 
4,005

 
30,091

Segment underwriting gain (loss)
 
$
3,700

 
$
732

 
$
(3,946
)
 
$
486

 
 
 
 
 
 
 
 
 
Investment income
 
 

 
 

 
955

 
955

Net realized investment gains (losses)
 
 

 
 

 
232

 
232

Interest expense
 
 

 
 

 
(483
)
 
(483
)
Income (loss) before equity earnings of affiliates and income taxes
 
 

 
 

 
$
(3,242
)
 
$
1,190