Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Cash flows from operating activities:
Net loss	$ (32,829)	$ (133,933)	$ (156,559)
Adjustments to reconcile net loss to net cash provided by (used in) operating activities
Depreciation and amortization	25,522	24,415	27,930
Provision for doubtful accounts	239	37,180	805
Impairment loss on intangible assets and goodwill	0	57,232	61,386
Gain on extinguishment of debt	(27,436)	(81,354)	0
Loss on divestiture of business	5,331	0	0
Change in fair value of private warrant liability	(691)	444	(14,486)
Change in fair value of contingent consideration	(3,442)	(5,664)	6,944
Change in fair value of derivatives	(5,869)	4,217	(13,822)
Stock-based compensation	27,181	20,709	27,041
Non-cash interest expense	27,294	20,756	2,270
Gain on settlement of contingent consideration	(14,930)	0	0
Other operating activities	(4,054)	1,057	3,590
Change in operating assets and liabilities, net of acquisitions and divestitures
Accounts receivable	(155)	1,030	(4,886)
Reinsurance balance due	(7,397)	179,436	(70,644)
Deferred policy acquisition costs	9,632	(18,458)	(4,716)
Accounts payable	(4,223)	2,491	(697)
Accrued expenses and other current liabilities	(10,663)	(1,386)	(6,519)
Losses and loss adjustment expense reserves	(27,718)	(5,129)	38,683
Other insurance liabilities, current	7,555	(30,125)	21,686
Deferred revenue	(437)	(21,583)	66,254
Refundable customer deposits	(5,445)	(13,925)	6,537
Other assets and liabilities, net	10,853	(3,481)	(8,533)
Net cash provided by (used in) operating activities	(31,682)	33,929	(17,736)
Cash flows from investing activities:
Purchases of property and equipment	(523)	(851)	(2,350)
Capitalized internal use software development costs	(12,272)	(9,245)	(8,100)
Purchases of short-term and long-term investments	(110,925)	(91,015)	(52,506)
Maturities, sales of short-term and long-term investments	67,789	46,832	21,906
Proceeds from sale of business	10,870	0	0
Acquisitions, net of cash acquired	0	(1,974)	(38,628)
Net cash used in investing activities	(45,061)	(56,253)	(79,678)
Cash flows from financing activities:
Proceeds from line of credit	0	0	5,000
Proceeds from advance funding	0	319	18,643
Repayments of advance funding	0	(4,133)	(22,746)
Proceeds from issuance of debt	0	116,667	10,000
Repayments of principal	(23,368)	(10,150)	(5,150)
Cash paid for debt issuance costs	0	(4,694)	0
Repurchase of stock	0	(5,608)	(1,813)
Other financing activities	(339)	(1,450)	(2,707)
Net cash provided by (used in) financing activities	(23,707)	90,951	1,227
Net change in cash and cash equivalents & restricted cash and cash equivalents	(100,450)	68,627	(96,187)
Cash and cash equivalents & restricted cash and cash equivalents, beginning of period	297,232	228,605	324,792
Cash and cash equivalents & restricted cash and cash equivalents, end of period	196,782	297,232	228,605
Supplemental schedule of non-cash investing and financing activities
Non-cash consideration for acquisitions	0	0	12,252
Non-cash reduction in advance funding arrangement obligations	94	11,763	0
Share repurchases included in accrued expenses and other current liabilities	0	0	2,539
Supplemental disclosures
Cash paid for interest	23,763	12,212	3,512
Income tax refunds paid (received)	$ 621	$ (2,287)	$ (674)