CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Revenue
Net earned premium	$ 140.0	$ 95.7	$ 356.8	$ 269.4
Ceding commission income	32.2	24.0	89.5	61.5
Net investment income	9.7	8.9	28.6	24.6
Commission and other income	12.6	8.0	34.9	22.2
Total revenue	194.5	136.6	509.8	377.7
Expense
Loss and loss adjustment expense, net	89.6	77.9	252.5	214.3
Other insurance expense	24.1	19.8	71.6	55.9
Sales and marketing	57.4	51.4	160.2	118.6
Technology development	24.7	21.9	69.1	64.0
General and administrative	35.0	31.4	96.7	91.0
Total expense	230.8	202.4	650.1	543.8
Loss before income taxes	(36.3)	(65.8)	(140.3)	(166.1)
Income tax expense	1.2	1.9	3.5	6.1
Net loss	(37.5)	(67.7)	(143.8)	(172.2)
Other comprehensive loss, net of tax
Unrealized gain on investments in fixed maturities	0.6	5.4	2.2	7.4
Foreign currency translation adjustment	0.4	3.1	9.1	1.5
Comprehensive loss	$ (36.5)	$ (59.2)	$ (132.5)	$ (163.3)
Per share data:
Net loss per share attributable to common stockholders—basic (usd per share)	$ (0.51)	$ (0.95)	$ (1.96)	$ (2.44)
Net loss per share attributable to common stockholders—diluted (usd per share)	$ (0.51)	$ (0.95)	$ (1.96)	$ (2.44)
Weighted average common shares outstanding—basic (in shares)	74,194,138	71,138,070	73,520,889	70,716,140
Weighted average common shares outstanding—diluted (in shares)	74,194,138	71,138,070	73,520,889	70,716,140