CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Revenue
Net earned premium	$ 536.3	$ 370.6	$ 315.2
Ceding commission income	122.7	91.1	69.8
Net investment income	37.8	34.0	24.7
Commission and other income	41.1	30.8	20.1
Total revenue	737.9	526.5	429.8
Expense
Loss and loss adjustment expense, net	347.0	277.0	280.4
Other insurance expense	93.7	76.8	59.2
Sales and marketing	224.4	166.3	101.9
Technology development	93.9	85.8	88.8
General and administrative	139.8	124.5	129.3
Total expense	898.8	730.4	659.6
Loss before income taxes	(160.9)	(203.9)	(229.8)
Income tax expense (benefit)	4.6	(1.7)	7.1
Net loss	(165.5)	(202.2)	(236.9)
Other comprehensive income (loss), net of tax
Unrealized gain on investments in fixed maturities	2.4	5.6	18.6
Foreign currency translation adjustment	10.1	(2.7)	0.0
Comprehensive loss	$ (153.0)	$ (199.3)	$ (218.3)
Per share data:
Net loss per share attributable to common stockholders — basic (usd per share)	$ (2.24)	$ (2.85)	$ (3.40)
Net loss per share attributable to common stockholders — diluted (usd per share)	$ (2.24)	$ (2.85)	$ (3.40)
Weighted average common shares outstanding — basic (in shares)	73,943,632	71,023,115	69,658,912
Weighted average common shares outstanding — diluted (in shares)	73,943,632	71,023,115	69,658,912