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Reinsurance
 9 Months Ended
Sep. 30, 2019
Reinsurance Disclosures [Abstract]  
Reinsurance Reinsurance
The following table summarizes the effect of reinsurance on premiums written and earned for the three and nine months ended September 30, 2019 and 2018:
 
 
Three Months Ended September 30,
 
Nine Months Ended September 30,
 
 
2019
 
2018
 
2019
 
2018
 
 
(in thousands)
Premiums written:
 
 
 
 
 
 
 
 
Direct
 
$
97,984

 
$
69,546

 
$
277,432

 
$
203,374

Assumed
 
—

 
—

 
125

 
—

Ceded
 
(11,232
)
 
(11,602
)
 
(35,051
)
 
(29,448
)
Net written
 
$
86,752

 
$
57,944

 
$
242,506

 
$
173,926

 
 
 
 
 
 
 
 
 
Premiums earned:
 
 
 
 
 
 
 
 
Direct
 
$
84,790

 
$
64,713

 
$
234,788

 
$
180,909

Assumed
 
16

 
—

 
89

 
—

Ceded
 
(12,185
)
 
(10,417
)
 
(34,678
)
 
(27,659
)
Net earned
 
$
72,621

 
$
54,296

 
$
200,199

 
$
153,250


Incurred losses and loss adjustment expenses were net of reinsurance (ceded incurred losses and loss adjustment expenses) of $4.9 million and $15.1 million for the three months ended September 30, 2019 and 2018, respectively. Ceded incurred losses and loss adjustment expenses were $18.6 million and $23.0 million for the nine months ended September 30, 2019 and 2018, respectively. At September 30, 2019, reinsurance recoverables on paid and unpaid losses were $1.6 million and $63.7 million, respectively. At December 31, 2018, reinsurance recoverables on paid and unpaid losses were $1.4 million and $55.4 million, respectively.