Segment Information (Tables)

12 Months Ended

Dec. 31, 2018

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




Year Ended December 31, 2018	Commercial Lines			Personal Lines			Corporate & Other			Total
Gross written premiums	$	97,694		$	6,674		$	—		$	104,368
Net written premiums	$	87,038		$	2,048		$	—		$	89,086
Net earned premiums	$	83,352		$	10,459		$	—		$	93,811
Other income	594			769			219			1,582
Segment revenue	83,946			11,228			219			95,393
Loss and loss adjustment expenses, net	53,065			9,450			—			62,515
Policy acquisition costs	21,474			4,060			—			25,534
Operating expenses	15,067			1,455			1,161			17,683
Segment expenses	89,606			14,965			1,161			105,732
Segment underwriting gain (loss)	$	(5,660	)	$	(3,737	)	$	(942	)	$	(10,339	)

Investment income							3,336			3,336
Net realized investment gains							61			61
Change in fair value of equity securities							121			121
Interest expense							(2,644		)	(2,644		)
Income (loss) before income taxes							$	(68	)	$	(9,465	)

Selected Balance Sheet Data:
Deferred policy acquisition costs	$	11,257		$	754		$	—		$	12,011
Unearned premiums	49,549			3,303			—			52,852
Loss and loss adjustment expense reserves	87,643			5,164			—			92,807




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

The following table summarizes our net earned premiums: