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Segment Information (Tables)
 9 Months Ended
Sep. 30, 2020
Segment Reporting [Abstract]  
Schedule of Segment Reporting Information by Segment
The following tables summarize the results of operations of the operating segments:

Three Months Ended September 30, 2020
Property
and
Casualty		Accident
and
Health		Corporate
and
Other		Total
Underwriting revenues:
Gross premium written$1,277,190 $195,937 $— $1,473,127 
Ceded premiums(186,264)(21,607)— (207,871)
Net premium written1,090,926 174,330 — 1,265,256 
Change in unearned premium(87,757)1,074 — (86,683)
Net earned premium1,003,169 175,404 — 1,178,573 
Ceding commission income30,519 205 — 30,724 
Service and fee income96,372 88,597 — 184,969 
Total underwriting revenues1,130,060 264,206 — 1,394,266 
Underwriting expenses:
Loss and loss adjustment expense696,216 77,948 — 774,164 
Acquisition costs and other underwriting expenses189,367 79,278 — 268,645 
General and administrative expenses182,146 58,892 3,573 244,611 
Total underwriting expenses1,067,729 216,118 3,573 1,287,420 
Underwriting income62,331 48,088 (3,573)106,846 
Net investment income— — 28,904 28,904 
Net gain on investments— — 19,839 19,839 
Interest expense— — (11,292)(11,292)
Provision for income taxes— — (27,428)(27,428)
Net (income) attributable to noncontrolling interest— — (6,900)(6,900)
Net income attributable to NGHC$62,331 $48,088 $(450)$109,969 
Three Months Ended September 30, 2019
Property
and
Casualty		Accident
and
Health		Corporate
and
Other		Total
Underwriting revenues:
Gross premium written$1,272,602 $162,555 $— $1,435,157 
Ceded premiums(385,347)(15,206)— (400,553)
Net premium written887,255 147,349 — 1,034,604 
Change in unearned premium(2,520)21,554 — 19,034 
Net earned premium884,735 168,903 — 1,053,638 
Ceding commission income55,326 2,261 — 57,587 
Service and fee income97,890 63,736 — 161,626 
Total underwriting revenues1,037,951 234,900 — 1,272,851 
Underwriting expenses:
Loss and loss adjustment expense674,722 70,612 — 745,334 
Acquisition costs and other underwriting expenses161,876 47,214 — 209,090 
General and administrative expenses195,567 68,297 — 263,864 
Total underwriting expenses1,032,165 186,123 — 1,218,288 
Underwriting income5,786 48,777 — 54,563 
Net investment income— — 33,740 33,740 
Net gain on investments— — 1,581 1,581 
Interest expense— — (12,898)(12,898)
Provision for income taxes— — (16,747)(16,747)
Net loss attributable to noncontrolling interest— — 10,915 10,915 
Net income attributable to NGHC$5,786 $48,777 $16,591 $71,154 
Nine Months Ended September 30, 2020
Property
and
Casualty		Accident
and
Health		Corporate
and
Other		Total
Underwriting revenues:
Gross premium written$3,718,663 $572,619 $— $4,291,282 
Ceded premiums(739,654)(61,861)— (801,515)
Net premium written2,979,009 510,758 — 3,489,767 
Change in unearned premium(168,570)(1,851)— (170,421)
Net earned premium2,810,439 508,907 — 3,319,346 
Ceding commission income126,433 1,236 — 127,669 
Service and fee income295,813 249,189 — 545,002 
Total underwriting revenues3,232,685 759,332 — 3,992,017 
Underwriting expenses:
Loss and loss adjustment expense1,840,404 226,204 — 2,066,608 
Acquisition costs and other underwriting expenses511,622 214,643 — 726,265 
General and administrative expenses594,381 176,635 3,573 774,589 
Total underwriting expenses2,946,407 617,482 3,573 3,567,462 
Underwriting income286,278 141,850 (3,573)424,555 
Net investment income— — 90,322 90,322 
Net gain on investments— — 18,136 18,136 
Interest expense— — (34,851)(34,851)
Provision for income taxes— — (106,107)(106,107)
Net (income) attributable to noncontrolling interest— — (14,753)(14,753)
Net income attributable to NGHC$286,278 $141,850 $(50,826)$377,302 
Nine Months Ended September 30, 2019
Property
and
Casualty		Accident
and
Health		Corporate
and
Other		Total
Underwriting revenues:
Gross premium written$3,666,072 $592,771 $— $4,258,843 
Ceded premiums(971,643)(92,534)— (1,064,177)
Net premium written2,694,429 500,237 — 3,194,666 
Change in unearned premium(142,515)(3,705)— (146,220)
Net earned premium2,551,914 496,532 — 3,048,446 
Ceding commission income178,533 8,780 — 187,313 
Service and fee income298,356 177,685 — 476,041 
Total underwriting revenues3,028,803 682,997 — 3,711,800 
Underwriting expenses:
Loss and loss adjustment expense1,870,993 241,685 — 2,112,678 
Acquisition costs and other underwriting expenses462,071 153,063 — 615,134 
General and administrative expenses571,498 188,227 — 759,725 
Total underwriting expenses2,904,562 582,975 — 3,487,537 
Underwriting income124,241 100,022 — 224,263 
Net investment income— — 102,316 102,316 
Net loss on investments— — (3,627)(3,627)
Interest expense— — (38,822)(38,822)
Provision for income taxes— — (61,494)(61,494)
Net loss attributable to noncontrolling interest— — 18,152 18,152 
Net income attributable to NGHC$124,241 $100,022 $16,525 $240,788 

The following tables summarize the financial position of the operating segments:

September 30, 2020
Property
and
Casualty		Accident
and
Health		Corporate
and
Other		Total
Premiums and other receivables, net$1,379,512 $197,487 $21,317 $1,598,316 
Deferred acquisition costs257,294 27,669 — 284,963 
Reinsurance recoverable, net1,260,791 26,061 — 1,286,852 
Prepaid reinsurance premiums458,578 382 — 458,960 
Goodwill and Intangible assets, net420,779 104,523 — 525,302 
Prepaid and other assets49,533 12,257 5,100 66,890 
Corporate and other assets— — 6,002,973 6,002,973 
Total assets$3,826,487 $368,379 $6,029,390 $10,224,256 
December 31, 2019
Property
and
Casualty		Accident
and
Health		Corporate
and
Other		Total
Premiums and other receivables, net$1,292,813 $131,877 $4,258 $1,428,948 
Deferred acquisition costs239,293 24,230 — 263,523 
Reinsurance recoverable, net1,377,284 17,024 — 1,394,308 
Prepaid reinsurance premiums575,712 35 — 575,747 
Goodwill and Intangible assets, net436,724 108,427 — 545,151 
Prepaid and other assets56,960 32,852 4,830 94,642 
Corporate and other assets— — 5,454,215 5,454,215 
Total assets$3,978,786 $314,445 $5,463,303 $9,756,534 
Revenue from External Customers by Product Type
The following tables summarize service and fee income by source within each operating segment:

Three Months Ended September 30,
20202019
Property
and
Casualty		Accident
and
Health		TotalProperty
and
Casualty		Accident
and
Health		Total
Finance and processing fees$32,237 $2,546 $34,783 $33,637 $800 $34,437 
Commission revenue11,799 21,836 33,635 21,333 16,353 37,686 
Group health administrative fees— 31,147 31,147 — 25,808 25,808 
Installment fees26,789 — 26,789 23,464 — 23,464 
Late payment fees8,324 16 8,340 9,251 72 9,323 
Other service and fee income17,223 33,052 50,275 10,205 20,703 30,908 
Total$96,372 $88,597 $184,969 $97,890 $63,736 $161,626 
NGHC$94,744 $88,597 $183,341 $96,305 $63,736 $160,041 
Reciprocal Exchanges1,628 — 1,628 1,585 — 1,585 
Total$96,372 $88,597 $184,969 $97,890 $63,736 $161,626 

Nine Months Ended September 30,
20202019
Property
and
Casualty		Accident
and
Health		TotalProperty
and
Casualty		Accident
and
Health		Total
Commission revenue$48,466 $75,822 $124,288 $68,193 $57,097 $125,290 
Finance and processing fees96,212 7,222 103,434 98,218 3,710 101,928 
Group health administrative fees— 91,658 91,658 — 73,861 73,861 
Installment fees78,282 — 78,282 72,782 — 72,782 
Late payment fees23,905 41 23,946 26,061 249 26,310 
Other service and fee income48,948 74,446 123,394 33,102 42,768 75,870 
Total$295,813 $249,189 $545,002 $298,356 $177,685 $476,041 
NGHC$290,692 $249,189 $539,881 $293,885 $177,685 $471,570 
Reciprocal Exchanges5,121 — 5,121 4,471 — 4,471 
Total$295,813 $249,189 $545,002 $298,356 $177,685 $476,041 
The following tables show an analysis of premiums and fee income by product line:

Three Months Ended September 30,Nine Months Ended September 30,
Gross Premium Written2020201920202019
Property and Casualty
Personal Auto$741,306 $705,709 $2,148,730 $2,083,702 
Homeowners210,721 201,977 581,185 544,056 
RV/Packaged59,191 55,631 170,120 168,796 
Small Business Auto62,159 76,987 195,628 246,694 
Lender-placed Insurance96,327 97,468 295,693 232,265 
Other9,099 16,563 38,631 45,577 
Total Property and Casualty1,178,803 1,154,335 3,429,987 3,321,090 
Accident and Health
Group89,852 73,223 266,857 213,197 
Individual106,085 85,728 305,762 252,719 
International— 3,604 — 126,855 
Total Accident and Health195,937 162,555 572,619 592,771 
Total NGHC$1,374,740 $1,316,890 $4,002,606 $3,913,861 
Reciprocal Exchanges
Personal Auto$33,561 $39,166 $102,752 $120,012 
Homeowners63,935 78,079 183,331 222,019 
Other891 1,022 2,593 2,951 
Total Reciprocal Exchanges$98,387 $118,267 $288,676 $344,982 
Total Gross Premium Written$1,473,127 $1,435,157 $4,291,282 $4,258,843 

Three Months Ended September 30,Nine Months Ended September 30,
Net Premium Written2020201920202019
Property and Casualty
Personal Auto$650,889 $560,032 $1,886,438 $1,730,904 
Homeowners217,960 82,601 390,760 276,250 
RV/Packaged57,834 52,283 165,694 162,047 
Small Business Auto47,556 56,615 152,584 196,221 
Lender-placed Insurance82,599 61,579 224,742 140,863 
Other4,597 6,860 16,737 15,684 
Total Property and Casualty1,061,435 819,970 2,836,955 2,521,969 
Accident and Health
Group70,672 59,001 209,360 170,911 
Individual103,658 85,541 301,398 252,316 
International— 2,807 — 77,010 
Total Accident and Health174,330 147,349 510,758 500,237 
Total NGHC$1,235,765 $967,319 $3,347,713 $3,022,206 
Reciprocal Exchanges
Personal Auto$10,323 $67,154 $73,678 $101,460 
Homeowners18,166 (2,047)66,758 68,180 
Other1,002 2,178 1,618 2,820 
Total Reciprocal Exchanges$29,491 $67,285 $142,054 $172,460 
Total Net Premium Written$1,265,256 $1,034,604 $3,489,767 $3,194,666 
Three Months Ended September 30,Nine Months Ended September 30,
Net Earned Premium2020201920202019
Property and Casualty
Personal Auto$632,781 $568,346 $1,773,831 $1,621,734 
Homeowners130,278 86,525 321,129 272,591 
RV/Packaged52,126 51,023 148,374 150,739 
Small Business Auto53,158 62,265 166,316 189,957 
Lender-placed Insurance77,441 56,599 218,210 158,595 
Other3,287 2,860 16,098 8,893 
Total Property and Casualty949,071 827,618 2,643,958 2,402,509 
Accident and Health
Group70,670 59,009 209,372 170,921 
Individual104,734 85,971 299,535 252,122 
International— 23,923 — 73,489 
Total Accident and Health175,404 168,903 508,907 496,532 
NGHC Total$1,124,475 $996,521 $3,152,865 $2,899,041 
Reciprocal Exchanges
Personal Auto$24,654 $33,953 $89,291 $65,907 
Homeowners28,963 22,759 76,037 82,475 
Other481 405 1,153 1,023 
Total Reciprocal Exchanges$54,098 $57,117 $166,481 $149,405 
Total Net Earned Premium$1,178,573 $1,053,638 $3,319,346 $3,048,446 

Three Months Ended September 30,Nine Months Ended September 30,
Fee Income2020201920202019
Property and Casualty
Service and Fee Income$94,744 $96,305 $290,692 $293,885 
Ceding Commission Income21,567 40,260 92,657 128,087 
Total Property and Casualty116,311 136,565 383,349 421,972 
Accident and Health
Service and Fee Income
Group44,306 34,848 128,029 98,084 
Individual2,379 2,128 6,861 5,506 
Third-Party Fee41,912 26,760 114,299 74,095 
Total Service and Fee Income88,597 63,736 249,189 177,685 
Ceding Commission Income205 2,261 1,236 8,780 
Total Accident and Health88,802 65,997 250,425 186,465 
NGHC Total$205,113 $202,562 $633,774 $608,437 
Reciprocal Exchanges
Service and Fee Income$1,628 $1,585 $5,121 $4,471 
Ceding Commission Income8,952 15,066 33,776 50,446 
Total Reciprocal Exchanges$10,580 $16,651 $38,897 $54,917 
Total Fee Income$215,693 $219,213 $672,671 $663,354