CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Revenue
Net earned premium	$ 77.0	$ 77.3	$ 63.8
Ceding commission income	44.9	15.3	0.0
Net investment income	1.9	1.5	3.4
Commission and other income	4.6	0.3	0.1
Total revenue	128.4	94.4	67.3
Expense
Loss and loss adjustment expense, net	71.9	54.7	45.8
Other insurance expense	24.1	14.4	9.6
Sales and marketing	141.6	80.4	88.5
Technology development	51.8	19.4	9.8
General and administrative	72.6	46.3	21.5
Total expense	362.0	215.2	175.2
Loss before income taxes	(233.6)	(120.8)	(107.9)
Income tax expense	7.7	1.5	0.6
Net loss	(241.3)	(122.3)	(108.5)
Other comprehensive income, net of tax
Unrealized (loss) gain on investments	(5.7)	0.1	0.1
Foreign currency translation adjustment	0.5	1.6	0.0
Comprehensive loss	$ (246.5)	$ (120.6)	$ (108.4)
Per share data:
Net loss per share attributable to common stockholders - basic (usd per share)	$ (3.94)	$ (3.63)	$ (9.75)
Net loss per share attributable to common stockholders - diluted (usd per share)	$ (3.94)	$ (3.63)	$ (9.75)
Weighted average common shares outstanding - basic (shares)	61,224,433	33,654,828	11,124,397
Weighted average common shares outstanding - diluted (shares)	61,224,433	33,654,828	11,124,397