Segment Information (Tables)

12 Months Ended

Dec. 31, 2024

Segment Reporting [Abstract]

Schedule of Financial Information of Reportable Segments and Reconciliations to Consolidated Financial Information

The following tables present revenue and significant expenses by segment that are regularly provided to the CODM. Other segment items that the CODM does not consider in assessing segment performance are presented to reconcile to Adjusted EBITDA (Loss).

	Year Ended December 31, 2024
	Insurance		Vertical Software		Corporate & Eliminations		Totals
Revenue from external customers	$	318,190	$	119,658	$	—	$	437,848
Intersegment revenue	—		949		(949)		—
Revenue	318,190		120,607		(949)		437,848
Significant expenses:
Cost of revenue	205,303		20,324		—		225,627
Selling and marketing	61,037		60,688		1,148		122,873
Product and technology	8,867		25,903		20,504		55,274
General and administrative	18,441		23,240		56,964		98,645
Other segment items:
Depreciation and amortization (1)	(5,761)		(17,506)		(2,255)		(25,522)
Stock-based compensation expense (1)	(1,364)		(6,100)		(19,717)		(27,181)
Change in fair value of contingent consideration	4,350		(908)		—		3,442
Losses on terminated reinsurance contracts (see Note 14)	1,324		—		—		1,324
Restructuring costs (2)	(131)		(1,044)		(3,010)		(4,185)
Acquisition and other transaction costs	—		(20)		(409)		(429)
Other gains and losses (3)	(17,312)		—		(1,879)		(19,191)
Adjusted EBITDA (Loss)	$	43,436	$	16,030	$	(52,295)	7,171
Reconciliation to consolidated operating loss
Depreciation and amortization (1)							(25,522)
Stock-based compensation expense (1)							(27,181)
Change in fair value of contingent consideration							3,442
Restructuring costs (2)							(4,185)
Acquisition and other transaction costs							(429)
Other gains and losses (3)							(19,191)
Loss on reinsurance contract (see Note 14)							1,324
Consolidated operating loss							$	(64,571)

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(1)Depreciation, amortization, and stock-based compensation expenses are included in the Sales and marketing, Product and technology, and General and administrative lines above. These expenses are not included in Adjusted EBITDA (Loss).

(2)Primarily consists of costs related to forming a reciprocal exchange.

(3)Other gains and losses primarily includes investment income and some recoveries of reinsurance losses.

	Year Ended December 31, 2023
	Insurance		Vertical Software		Corporate & Eliminations		Totals
Revenue from external customers	$	305,186	$	125,116	$	—	$	430,302
Significant expenses:
Cost of revenue	190,508		29,735		—		220,243
Selling and marketing	79,491		61,431		3,385		144,307
Product and technology	8,182		28,530		21,790		58,502
General and administrative	62,520		23,560		54,292		140,372
Other segment items:
Depreciation and amortization (1)	(5,885)		(16,775)		(1,755)		(24,415)
Stock-based compensation expense (1)	(1,409)		(6,528)		(12,772)		(20,709)
Change in fair value of contingent consideration	4,089		1,505		70		5,664
Recoveries of terminated reinsurance contracts (see Note 14)	(36,042)		—		—		(36,042)
Restructuring costs (2)	(308)		(433)		(3,274)		(4,015)
Acquisition and other transaction costs	—		(216)		(590)		(806)
Other gains and losses (3)	(8,280)		—		(5)		(8,285)
Adjusted EBITDA (Loss)	$	12,320	$	4,307	$	(61,141)	(44,514)
Reconciliation to consolidated operating loss
Depreciation and amortization (1)							(24,415)
Stock-based compensation expense (1)							(20,709)
Change in fair value of contingent consideration							5,664
Recoveries of terminated reinsurance contracts (see Note 14)							(36,042)
Restructuring costs (2)							(4,015)
Acquisition and other transaction costs							(806)
Other gains and losses (3)							(8,285)
Impairment loss on intangible assets and goodwill							(57,232)
Consolidated operating loss							$	(190,354)

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(1)Depreciation, amortization, and stock-based compensation expenses are included in the Sales and marketing, Product and technology, and General and administrative lines above. These expenses are not included in Adjusted EBITDA (Loss).

(2)Primarily consists of costs related to forming reciprocal exchange.

(3)Other gains and losses primarily includes investment income.

	Year Ended December 31, 2022
	Insurance		Vertical Software		Corporate & Eliminations		Totals
Revenue from external customers	$	121,033	$	154,915	$	—	$	275,948
Significant expenses:
Cost of revenue	62,268		45,309		—		107,577
Selling and marketing	42,193		67,339		4,316		113,848
Product and technology	8,476		30,628		20,461		59,565
General and administrative	26,515		31,937		52,167		110,619
Other segment items:
Depreciation and amortization (1)	(5,574)		(20,209)		(2,147)		(27,930)
Stock-based compensation expense (1)	(5,074)		(7,948)		(14,019)		(27,041)
Change in fair value of contingent consideration	(965)		(6,331)		352		(6,944)
Restructuring costs (2)	—		—		(647)		(647)
Acquisition and other transaction costs	(150)		(488)		(1,687)		(2,325)
Other gains and losses (3)	(1,157)		—		(16)		(1,173)
Adjusted EBITDA (Loss)	$	(5,499)	$	14,678	$	(58,780)	(49,601)
Reconciliation to consolidated operating loss
Depreciation and amortization (1)							(27,930)
Stock-based compensation expense (1)							(27,041)
Change in fair value of contingent consideration							(6,944)
Restructuring costs (2)							(647)
Acquisition and other transaction costs							(2,325)
Other gains and losses (3)							(1,173)
Impairment loss on intangible assets and goodwill							(61,386)
Consolidated operating loss							$	(177,047)

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(1)Depreciation, amortization, and stock-based compensation expenses are included in the Sales and marketing, Product and technology, and General and administrative lines above. These expenses are not included in Adjusted EBITDA (Loss).

(2)Primarily consists of costs related to forming reciprocal exchange.

(3)Other gains and losses primarily includes investment income.