CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Revenue
Net earned premium	$ 370.6	$ 315.2	$ 172.4
Ceding commission income	91.1	69.8	64.1
Net investment income	34.0	24.7	8.4
Commission and other income	30.8	20.1	11.8
Total revenue	526.5	429.8	256.7
Expense
Loss and loss adjustment expense, net	277.0	280.4	167.3
Other insurance expense	76.8	59.2	44.0
Sales and marketing	166.3	101.9	138.3
Technology development	85.8	88.8	79.6
General and administrative	124.5	129.3	122.3
Total expense	730.4	659.6	551.5
Loss before income taxes	(203.9)	(229.8)	(294.8)
Income tax (benefit) expense	(1.7)	7.1	3.0
Net loss	(202.2)	(236.9)	(297.8)
Other comprehensive income (loss), net of tax
Unrealized gain (loss) on investments in fixed maturities	5.6	18.6	(18.4)
Foreign currency translation adjustment	(2.7)	0.0	(5.8)
Comprehensive loss	$ (199.3)	$ (218.3)	$ (322.0)
Per share data:
Net loss per share attributable to common stockholders — basic (usd per share)	$ (2.85)	$ (3.40)	$ (4.59)
Net loss per share attributable to common stockholders — diluted (usd per share)	$ (2.85)	$ (3.40)	$ (4.59)
Weighted average common shares outstanding — basic (in shares)	71,023,115	69,658,912	64,921,524
Weighted average common shares outstanding — diluted (in shares)	71,023,115	69,658,912	64,921,524