Segment Information (Tables)

12 Months Ended

Dec. 31, 2017

The following table summarizes our net earned premiums:

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




Year Ended December 31, 2017	Commercial Lines			Personal Lines			Corporate & Other			Total
Gross written premiums	$	92,112		$	22,172		$	—		$	114,284
Net written premiums	$	78,217		$	13,023		$	—		$	91,240
Net earned premiums	$	76,786		$	14,943		$	—		$	91,729
Other income	628			780			152			1,560
Segment revenue	77,414			15,723			152			93,289
Loss and loss adjustment expenses, net	55,701			18,216			—			73,917
Policy acquisition costs	20,470			5,775			—			26,245
Operating expenses	11,339			2,570			3,458			17,367
Segment expenses	87,510			26,561			3,458			117,529
Segment underwriting gain (loss)	$	(10,096	)	$	(10,838	)	$	(3,306	)	$	(24,240	)

Investment income							2,728			2,728
Net realized investment gains							70			70
Other gains (losses)							750			750
Interest expense							(1,362		)	(1,362		)
Income (loss) before income taxes							$	(1,120	)	$	(22,054	)

Selected Balance Sheet Data:
Deferred policy acquisition costs	$	10,116		$	2,665		$	—		$	12,781
Unearned premiums	45,951			11,721			—			57,672
Loss and loss adjustment expense reserves	76,586			11,310			—			87,896




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