Reinsurance (Tables)

12 Months Ended

Dec. 31, 2018

Reinsurance

Schedule of effect of reinsurance on premiums written and earned and on losses and LAE incurred

	2018				2017				2016
	Written		Earned		Written		Earned		Written		Earned
	(in thousands)
Premiums Written and Earned:
Direct	$	144,821	$	129,071	$	112,974	$	94,799	$	79,492	$	66,765
Assumed		10,070		8,688		7,260		6,162		2,795		2,551
Ceded		(82,949)		(67,862)		(46,951)		(45,416)		(29,636)		(28,994)
Net	$	71,942	$	69,897	$	73,283	$	55,545	$	52,651	$	40,322

	2018
	Losses		LAE		Total
	(in thousands)
Losses and LAE Incurred:
Direct	$	12,153	$	2,113	$	14,266
Assumed		46		6		52
Ceded		(6,580)		(1,464)		(8,044)
Net	$	5,619	$	655	$	6,274

	2017
	Losses		LAE		Total
	(in thousands)
Losses and LAE Incurred:
Direct	$	24,266	$	6,608	$	30,874
Assumed		2		—		2
Ceded		(14,651)		(4,100)		(18,751)
Net	$	9,617	$	2,508	$	12,125

	2016
	Losses		LAE		Total
	(in thousands)
Losses and LAE Incurred:
Direct	$	6,914	$	2,300	$	9,214
Assumed		—		3		3
Ceded		(1,388)		(537)		(1,925)
Net	$	5,526	$	1,766	$	7,292