CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Revenue
Net earned premium	$ 104.3	$ 84.4
Ceding commission income	26.9	21.0
Net investment income	9.5	7.6
Commission and other income	10.5	6.1
Total revenue	151.2	119.1
Expense
Loss and loss adjustment expense, net	85.4	65.9
Other insurance expense	26.1	17.3
Sales and marketing	43.2	30.4
Technology development	22.0	20.9
General and administrative	35.9	29.8
Total expense	212.6	164.3
Loss before income taxes	(61.4)	(45.2)
Income tax expense	1.0	2.1
Net loss	(62.4)	(47.3)
Other comprehensive loss, net of tax
Unrealized gain on investments in fixed maturities	1.2	0.7
Foreign currency translation adjustment	1.5	(0.9)
Comprehensive loss	$ (59.7)	$ (47.5)
Per share data:
Net loss per share attributable to common stockholders—basic (usd per share)	$ (0.86)	$ (0.67)
Net loss per share attributable to common stockholders—diluted (usd per share)	$ (0.86)	$ (0.67)
Weighted average common shares outstanding—basic (in shares)	72,921,318	70,284,486
Weighted average common shares outstanding—diluted (in shares)	72,921,318	70,284,486