Segment Information (Tables)

12 Months Ended

Dec. 31, 2016

The following table summarizes our net earned premiums:

The following tables present information by reportable segment (dollars in thousands):




Year Ended December 31, 2016	Commercial Lines		Personal Lines			Corporate & Other			Total
Gross written premiums	$	88,242	$	26,681		$	—		$	114,923
Net written premiums	$	78,439	$	21,490		$	—		$	99,929
Net earned premiums	$	68,921	$	20,706		$	—		$	89,627
Other income	378		558			182			1,118
Segment revenue	69,299		21,264			182			90,745
Loss and loss adjustment expenses, net	42,441		16,562			—			59,003
Policy acquisition costs	18,560		6,720			—			25,280
Operating expenses	6,767		2,911			7,918			17,596
Segment expenses	67,768		26,193			7,918			101,879
Segment underwriting gain (loss)	$	1,531	$	(4,929	)	$	(7,736	)	$	(11,134	)

Investment income						2,173			2,173
Net realized investment gains						1,365			1,365
Other gains (losses)						(400		)	(400		)
Interest expense						(647		)	(647		)
Income (loss) before income taxes						$	(5,245	)	$	(8,643	)

Selected Balance Sheet Data:
Deferred policy acquisition costs	$	10,156	$	3,134		$	—		$	13,290
Unearned premiums	44,484		13,642			—			58,126
Loss and loss adjustment expense reserves	46,917		7,734			—			54,651




Year Ended December 31, 2015	Commercial Lines		Personal Lines			Corporate & Other			Total
Gross written premiums	$	68,197	$	25,553		$	—		$	93,750
Net written premiums	$	58,157	$	21,517		$	—		$	79,674
Net earned premiums	$	48,586	$	18,179		$	—		$	66,765
Other income	1,099		489			79			1,667
Segment revenue	49,685		18,668			79			68,432
Loss and loss adjustment expenses, net	25,730		13,152			—			38,882
Policy acquisition costs	11,937		4,246			—			16,183
Operating expenses	4,983		3,305			6,518			14,806
Segment expenses	42,650		20,703			6,518			69,871
Segment underwriting gain (loss)	$	7,035	$	(2,035	)	$	(6,439	)	$	(1,439	)

Investment income						1,902			1,902
Net realized investment gains						285			285
Other gains (losses)						104			104
Interest expense						(769		)	(769		)
Income (loss) before income taxes						$	(4,917	)	$	83

Selected Balance Sheet Data:
Deferred policy acquisition costs	$	8,401	$	3,701		$	—		$	12,102
Unearned premiums	33,337		14,579			—			47,916
Loss and loss adjustment expense reserves	29,739		5,683			—			35,422




Year Ended December 31, 2014	Commercial Lines		Personal Lines			Corporate & Other			Total
Gross written premiums	$	55,056	$	28,791		$	—		$	83,847
Net written premiums	$	40,958	$	25,341		$	—		$	66,299
Net earned premiums	$	35,749	$	21,779		$	—		$	57,528
Other income	918		904			(13		)	1,809
Segment revenue	36,667		22,683			(13		)	59,337
Loss and loss adjustment expenses, net	20,621		20,109			—			40,730
Policy acquisition costs	9,209		5,487			—			14,696
Operating expenses	4,566		2,453			5,120			12,139
Segment expenses	34,396		28,049			5,120			67,565
Segment underwriting gain (loss)	$	2,271	$	(5,366	)	$	(5,133	)	$	(8,228	)

Investment income						1,175			1,175
Net realized investment gains						417			417
Interest expense						(584		)	(584		)
Income (loss) before income taxes						$	(4,125	)	$	(7,220	)

Selected Balance Sheet Data:
Deferred policy acquisition costs	$	4,247	$	1,432		$	—		$	5,679
Unearned premiums	29,062		14,319			—			43,381
Loss and loss adjustment expense reserves	22,451		9,080			—			31,531