Reinsurance

The following table summarizes the effect of reinsurance on premiums written and earned for the three and six months ended June 30, 2018 and 2017:



	Three Months Ended June 30,						Six Months Ended June 30,
	2018			2017			2018			2017
	(in thousands)
Written:
Direct	$	69,981		$	57,753		$	133,828		$	110,615
Assumed	—			—			—			—
Ceded	(9,090		)	(7,980		)	(17,846		)	(16,680		)
Net written	$	60,891		$	49,773		$	115,982		$	93,935

Earned:
Direct	$	59,603		$	51,304		$	116,196		$	99,766
Assumed	—			—			—			—
Ceded	(8,710		)	(8,252		)	(17,242		)	(16,281		)
Net earned	$	50,893		$	43,052		$	98,954		$	83,485

Incurred losses and loss adjustment expenses were net of reinsurance (ceded incurred losses and loss adjustment expenses) of $5.0 million and $(0.6) million for the three months ended June 30, 2018 and 2017, respectively. Ceded incurred losses and loss adjustment expenses were $7.9 million and $1.8 million for the six months ended June 30, 2018 and 2017, respectively. At June 30, 2018, reinsurance recoverables on paid and unpaid losses were $1.0 million and $53.4 million, respectively. At December 31, 2017, reinsurance recoverables on paid and unpaid losses were $1.4 million and $48.2 million, respectively.