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Segment Information (Tables)
9 Months Ended
Sep. 30, 2016
Segment Reporting [Abstract]  
Schedule of Segment Reporting Information
The following tables present information by reportable operating segment (dollars in thousands):
Three Months Ended September 30, 2016
 
Commercial Lines
 
Personal Lines
 
Corporate
& Other
 
Total
Gross written premiums
 
$
20,759

 
$
7,738

 
$

 
$
28,497

Net written premiums
 
$
18,230

 
$
6,404

 
$

 
$
24,634

 
 
 
 
 
 
 
 
 
Net earned premiums
 
$
17,878

 
$
5,502

 
$

 
$
23,380

Other income
 
81

 
101

 
121

 
303

Segment revenue
 
17,959

 
5,603

 
121

 
23,683

Losses and loss adjustment expenses, net
 
9,564

 
5,018

 

 
14,582

Policy acquisition costs
 
4,868

 
1,398

 

 
6,266

Operating expenses
 
1,803

 
779

 
2,128

 
4,710

Segment expenses
 
16,235

 
7,195

 
2,128

 
25,558

Segment underwriting gain (loss)
 
$
1,724

 
$
(1,592
)
 
$
(2,007
)
 
$
(1,875
)
 
 
 
 
 
 
 
 
 
Investment income
 
 

 
 

 
560

 
560

Net realized investment gains
 
 

 
 

 
71

 
71

Interest expense
 
 

 
 

 
(168
)
 
(168
)
Income (loss) before equity earnings of affiliates and income taxes
 
 

 
 

 
$
(1,544
)
 
$
(1,412
)
Three Months Ended September 30, 2015
 
Commercial Lines
 
Personal Lines
 
Corporate
& Other
 
Total
Gross written premiums
 
$
16,655

 
$
7,587

 
$

 
$
24,242

Net written premiums
 
$
20,786

 
$
7,813

 
$

 
$
28,599

 
 
 
 
 
 
 
 
 
Net earned premiums
 
$
13,621

 
$
4,262

 
$

 
$
17,883

Other income
 
390

 
115

 
18

 
523

Segment revenue
 
14,011

 
4,377

 
18

 
18,406

Losses and loss adjustment expenses, net
 
7,043

 
2,770

 

 
9,813

Policy acquisition costs
 
3,448

 
1,157

 

 
4,605

Operating expenses
 
1,304

 
1,182

 
839

 
3,325

Segment expenses
 
11,795

 
5,109

 
839

 
17,743

Segment underwriting gain (loss)
 
$
2,216

 
$
(732
)
 
$
(821
)
 
$
663

 
 
 
 
 
 
 
 
 
Investment income
 
 

 
 

 
505

 
505

Net realized investment gains
 
 

 
 

 
6

 
6

Other gains
 
 
 
 
 
104

 
104

Interest expense
 
 

 
 

 
(181
)
 
(181
)
Income (loss) before equity earnings of affiliates and income taxes
 
 

 
 

 
$
(387
)
 
$
1,097



 
Nine Months Ended September 30, 2016
 
Commercial Lines
 
Personal Lines
 
Corporate
& Other
 
Total
Gross written premiums
 
$
62,725

 
$
20,891

 
$

 
$
83,616

Net written premiums
 
$
55,767

 
$
17,094

 
$

 
$
72,861

 
 
 
 
 
 
 
 
 
Net earned premiums
 
$
49,641

 
$
15,523

 
$

 
$
65,164

Other income
 
263

 
419

 
147

 
829

Segment revenue
 
49,904

 
15,942

 
147

 
65,993

Losses and loss adjustment expenses, net
 
27,543

 
13,279

 

 
40,822

Policy acquisition costs
 
13,619

 
4,663

 

 
18,282

Operating expenses
 
5,147

 
2,214

 
6,023

 
13,384

Segment expenses
 
46,309

 
20,156

 
6,023

 
72,488

Segment underwriting gain (loss)
 
$
3,595

 
$
(4,214
)
 
$
(5,876
)
 
$
(6,495
)
 
 
 
 
 
 
 
 
 
Investment income
 
 

 
 

 
1,625

 
1,625

Net realized investment gains
 
 

 
 

 
604

 
604

Interest expense
 
 

 
 

 
(468
)
 
(468
)
Income (loss) before equity earnings of affiliates and income taxes
 
 

 
 

 
$
(4,115
)
 
$
(4,734
)
Nine Months Ended September 30, 2015
 
Commercial Lines
 
Personal Lines
 
Corporate
& Other
 
Total
Gross written premiums
 
$
50,723

 
$
17,782

 
$

 
$
68,505

Net written premiums
 
$
43,164

 
$
15,043

 
$

 
$
58,207

 
 
 
 
 
 
 
 
 
Net earned premiums
 
$
33,779

 
$
13,712

 
$

 
$
47,491

Other income
 
1,064

 
351

 
77

 
1,492

Segment revenue
 
34,843

 
14,063

 
77

 
48,983

Losses and loss adjustment expenses, net
 
17,837

 
9,522

 

 
27,359

Policy acquisition costs
 
7,103

 
2,736

 

 
9,839

Operating expenses
 
3,987

 
1,805

 
4,844

 
10,636

Segment expenses
 
28,927

 
14,063

 
4,844

 
47,834

Segment underwriting gain (loss)
 
$
5,916

 
$

 
$
(4,767
)
 
$
1,149

 
 
 
 
 
 
 
 
 
Investment income
 
 

 
 

 
1,460

 
1,460

Net realized investment gains
 
 

 
 

 
238

 
238

Other gains
 
 
 
 
 
104

 
104

Interest expense
 
 

 
 

 
(664
)
 
(664
)
Income (loss) before equity earnings of affiliates and income taxes
 
 

 
 

 
$
(3,629
)
 
$
2,287