CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Revenue
Net earned premium	$ 77.3	$ 63.8	$ 21.2
Ceding commission income	15.3	0.0	0.0
Net investment income	1.5	3.4	1.3
Commission and other income	0.3	0.1	0.0
Total revenue	94.4	67.3	22.5
Expense
Loss and loss adjustment expense, net	54.7	45.8	15.2
Other insurance expense	14.4	9.6	4.2
Sales and marketing	80.4	88.5	41.7
Technology development	19.4	9.8	4.7
General and administrative	46.3	21.5	9.3
Total expense	215.2	175.2	75.1
Loss before income taxes	(120.8)	(107.9)	(52.6)
Income tax expense	1.5	0.6	0.3
Net loss	(122.3)	(108.5)	(52.9)
Other comprehensive income, net of tax
Unrealized gain on investments	0.1	0.1	0.0
Foreign currency translation adjustment	1.6	0.0	0.0
Comprehensive loss	$ (120.6)	$ (108.4)	$ (52.9)
Per share data:
Net loss per share attributable to common stockholders — basic and diluted	$ (3.63)	$ (9.75)	$ (4.84)
Weighted average common shares outstanding — basic and diluted	33,654,828	11,124,397	10,931,776