CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2025	Jun. 30, 2024	Jun. 30, 2025	Jun. 30, 2024
Revenue
Net earned premium	$ 112.5	$ 89.3	$ 216.8	$ 173.7
Ceding commission income	30.4	16.5	57.3	37.5
Net investment income	9.4	8.1	18.9	15.7
Commission and other income	11.8	8.1	22.3	14.2
Total revenue	164.1	122.0	315.3	241.1
Expense
Loss and loss adjustment expense, net	77.5	70.5	162.9	136.4
Other insurance expense	21.4	18.8	47.5	36.1
Sales and marketing	59.6	36.8	102.8	67.2
Technology development	22.4	21.2	44.4	42.1
General and administrative	25.8	29.8	61.7	59.6
Total expense	206.7	177.1	419.3	341.4
Loss before income taxes	(42.6)	(55.1)	(104.0)	(100.3)
Income tax expense	1.3	2.1	2.3	4.2
Net loss	(43.9)	(57.2)	(106.3)	(104.5)
Other comprehensive loss, net of tax
Unrealized gain on investments in fixed maturities	0.4	1.3	1.6	2.0
Foreign currency translation adjustment	7.2	(0.7)	8.7	(1.6)
Comprehensive loss	$ (36.3)	$ (56.6)	$ (96.0)	$ (104.1)
Per share data:
Net loss per share attributable to common stockholders—basic (usd per share)	$ (0.60)	$ (0.81)	$ (1.45)	$ (1.48)
Net loss per share attributable to common stockholders—diluted (usd per share)	$ (0.60)	$ (0.81)	$ (1.45)	$ (1.48)
Weighted average common shares outstanding—basic (in shares)	73,433,379	70,721,227	73,178,708	70,502,856
Weighted average common shares outstanding—diluted (in shares)	73,433,379	70,721,227	73,178,708	70,502,856