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



Three Months Ended September 30, 2019	Commercial Lines			Personal Lines			Total Underwriting			Wholesale Agency		Corporate			Eliminations			Total
Gross written premiums	$	25,018		$	2,059		$	27,077		$	—	$	—		$	—		$	27,077
Net written premiums	$	22,095		$	1,711		$	23,806		$	—	$	—		$	—		$	23,806

Net earned premiums	$	21,439		$	1,336		$	22,775		$	—	$	—		$	—		$	22,775
Other income	70			33			103			2,619		47			(2,205		)	564
Total revenue	21,509			1,369			22,878			2,619		47			(2,205		)	23,339
Losses and loss adjustment expenses, net	13,517			1,340			14,857			—		—			—			14,857
Policy acquisition costs	6,114			447			6,561			1,825		—			(2,233		)	6,153
Operating expenses	3,239			327			3,566			434		297			—			4,297
Total expenses	22,870			2,114			24,984			2,259		297			(2,233		)	25,307
Underwriting gain (loss)	$	(1,361	)	$	(745	)	$	(2,106	)	$	360	$	(250	)	$	28		$	(1,968	)

Net investment income							—			—		1,210			—			1,210
Net realized investment gains							—			—		390			—			390
Change in fair value of equity securities							—			—		(1,065		)	—			(1,065		)
Interest expense							—			—		(720		)	—			(720		)
Income (loss) before equity earnings of affiliates and income taxes							$	(2,106	)	$	360	$	(435	)	$	28		$	(2,153	)



Three Months Ended September 30, 2018	Commercial Lines			Personal Lines			Total Underwriting			Wholesale Agency		Corporate			Eliminations			Total
Gross written premiums	$	24,806		$	1,823		$	26,629		$	—	$	—		$	—		$	26,629
Net written premiums	$	22,160		$	686		$	22,846		$	—	$	—		$	—		$	22,846

Net earned premiums	$	21,270		$	2,180		$	23,450		$	—	$	—		$	—		$	23,450
Other income	19			49			68			2,708		34			(2,405		)	405
Total revenue	21,289			2,229			23,518			2,708		34			(2,405		)	23,855
Losses and loss adjustment expenses, net	14,445			2,109			16,554			—		—			—			16,554
Policy acquisition costs	6,088			961			7,049			1,808		—			(2,405		)	6,452
Operating expenses	3,871			325			4,196			389		201						4,786
Total expenses	24,404			3,395			27,799			2,197		201			(2,405		)	27,792
Underwriting gain (loss)	$	(3,115	)	$	(1,166	)	(4,281		)	511		(167		)	—			(3,937		)

Net investment income							—			—		786			—			786
Net realized investment gains							—			—		(21		)	—			(21		)
Change in fair value of equity securities							—			—		151			—			151
Interest expense							—			—		(598		)	—			(598		)
Income (loss) before equity earnings of affiliates and income taxes							$	(4,281	)	$	511	$	151		$	—		$	(3,619	)



Nine Months Ended September 30, 2019	Commercial Lines			Personal Lines			Total Underwriting			Wholesale Agency		Corporate			Eliminations			Total
Gross written premiums	$	71,061		$	5,401		$	76,462		$	—	$	—		$	—		$	76,462
Net written premiums	$	61,579		$	3,983		$	65,562		$	—	$	—		$	—		$	65,562

Net earned premiums	$	62,291		$	3,520		$	65,811		$	—	$	—		$	—		$	65,811
Other income	144			108			252			7,099		179			(5,963		)	1,567
Total revenue	62,435			3,628			66,063			7,099		179			(5,963		)	67,378
Losses and loss adjustment expenses, net	38,611			5,084			43,695			—		—			—			43,695
Policy acquisition costs	17,335			1,202			18,537			4,787		—			(5,372		)	17,952
Operating expenses	9,614			867			10,481			1,572		907			—			12,960
Total expenses	65,560			7,153			72,713			6,359		907			(5,372		)	74,607
Underwriting gain (loss)	$	(3,125	)	$	(3,525	)	$	(6,650	)	$	740	$	(728	)	$	(591	)	$	(7,229	)

Net investment income							—			—		3,171			—			3,171
Net realized investment gains							—			—		1,124			—			1,124
Change in fair value of equity securities							—			—		(715		)	—			(715		)
Interest expense							—			—		(2,155		)	—			(2,155		)
Income (loss) before equity earnings of affiliates and income taxes							$	(6,650	)	$	740	$	697		$	(591	)	$	(5,804	)



Nine Months Ended September 30, 2018	Commercial Lines			Personal Lines			Total Underwriting			Wholesale Agency		Corporate			Eliminations			Total
Gross written premiums	$	71,602		$	5,326		$	76,928		$	—	$	—		$	—		$	76,928
Net written premiums	$	63,866		$	1,420		$	65,286		$	—	$	—		$	—		$	65,286

Net earned premiums	$	62,270		$	8,918		$	71,188		$	—	$	—		$	—		$	71,188
Other income	76			181			257			7,018		99			(6,162		)	1,212
Total revenue	62,346			9,099			71,445			7,018		99			(6,162		)	72,400
Losses and loss adjustment expenses, net	36,979			7,971			44,950			—		—			—			44,950
Policy acquisition costs	17,722			3,260			20,982			4,617					(6,162		)	19,437
Operating expenses	10,906			779			11,685			1,340		251						13,276
Total expenses	65,607			12,010			77,617			5,957		251			(6,162		)	77,663
Underwriting gain (loss)	$	(3,261	)	$	(2,911	)	$	(6,172	)	$	1,061	$	(152	)	$	—		$	(5,263	)

Net investment income												2,425			—			2,425
Net realized investment gains												152			—			152
Change in fair value of equity securities												(116		)	—			(116		)
Interest expense												(1,834		)	—			(1,834		)
Income (loss) before equity earnings of affiliates and income taxes							$	(6,172	)	$	1,061	$	475		$	—		$	(4,636	)