Consolidated Statements of Cash Flows - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Cash flows from operating activities:
Net income (loss)		$ 15,318	$ (32,829)	$ (133,933)
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities
Depreciation and amortization		24,468	25,522	24,415
Provision for doubtful accounts		5,325	239	37,180
Impairment loss on intangible assets and goodwill		0	0	57,232
Gain on extinguishment of debt		(395)	(27,436)	(81,354)
Loss on divestiture of business		0	5,331	0
Change in fair value of private warrant liability		4,013	(691)	444
Change in fair value of contingent consideration		(44)	(3,442)	(5,664)
Change in fair value of derivatives		(19,635)	(5,869)	4,217
Stock-based compensation		28,952	27,181	20,709
Non-cash interest expense		29,245	27,294	20,756
Gain on settlement of contingent consideration		0	(14,930)	0
Other operating activities		(2,596)	(4,054)	1,057
Change in operating assets and liabilities, net of acquisitions and divestitures
Accounts receivable		(5,491)	(155)	1,030
Reinsurance balance due		53,562	(7,397)	179,436
Deferred policy acquisition costs		(9,165)	9,632	(18,458)
Accounts payable		(162)	(4,223)	2,491
Accrued expenses and other current liabilities		4,066	(10,663)	(1,386)
Losses and loss adjustment expense reserves		(18,625)	(27,718)	(5,129)
Other insurance liabilities, current		(15,306)	7,555	(30,125)
Deferred revenue		(24,982)	(437)	(21,583)
Refundable customer deposits		(94)	(5,445)	(13,925)
Other assets and liabilities, net		(2,035)	10,853	(3,481)
Net cash provided by (used in) operating activities		66,419	(31,682)	33,929
Cash flows from investing activities:
Purchases of property and equipment		(454)	(523)	(851)
Capitalized internal use software development costs		(13,907)	(12,272)	(9,245)
Purchases of short-term and long-term investments		(148,339)	(110,925)	(91,015)
Maturities, sales of short-term and long-term investments		89,562	67,789	46,832
Proceeds from sale of business		1,217	10,870	0
Acquisitions, net of cash acquired		0	0	(1,974)
Net cash used in investing activities		(71,921)	(45,061)	(56,253)
Cash flows from financing activities:
Proceeds from advance funding		0	0	319
Repayments of advance funding		0	0	(4,133)
Proceeds from issuance of debt		51,000	0	116,667
Repayments of principal		(68,164)	(23,368)	(10,150)
Cash paid for debt issuance costs		(2,206)	0	(4,694)
Repurchase of stock		0	0	(5,608)
Other financing activities		(2,799)	(339)	(1,450)
Net cash used in financing activities		(22,169)	(23,707)	90,951
Net change in cash, cash equivalents, and restricted cash and cash equivalents		(27,671)	(100,450)	68,627
Cash, cash equivalents, and restricted cash and cash equivalents at beginning of period		196,782	297,232	228,605
Cash, cash equivalents, and restricted cash and cash equivalents at end of period		169,111	196,782	297,232
Supplemental schedule of non-cash investing and financing activities
Non-cash reduction in advance funding arrangement obligations		0	94	11,763
Non-cash reduction of convertible notes, net		14,958	0	0
Non-cash additions of internally developed software		434	0	0
Non-cash warrant exercises		4,473	0	0
Supplemental disclosures
Cash paid for interest		29,006	23,763	12,212
Income taxes paid (refunded)	[1]	$ 562	$ 621	$ (2,287)

[1] See Note 12 for detail by jurisdiction for the year ended December 31, 2025.