Segment and Geographic Information (Tables)

9 Months Ended

Sep. 30, 2021

Schedule of operating results of the Company’s reportable segments

The following table summarizes the operating results of the Company’s reportable segments (in thousands):


	Three Months Ended September 30,				Nine Months Ended September 30,
	2021		2020		2021		2020
	(unaudited)				(unaudited)
Revenue:
Insurance services	$	28,470	$	6,810	$	71,686	$	20,753
Enterprise business solutions	1,531		1,141		3,689		3,606
Total revenue	$	30,001	$	7,951	$	75,375	$	24,359

Contribution:
Insurance services	$	(2,097)	$	4,480	$	(5,133)	$	10,981
Enterprise business solutions	(786)		(546)		(2,383)		(716)
Total contribution	$	(2,883)	$	3,934	$	(7,516)	$	10,265

Schedule of contribution to its total loss from operations

The following table provides a reconciliation of the Company’s total reportable segments’ contribution to its total loss from operations (in thousands):


	Three Months Ended September 30,				Nine Months Ended September 30,
	2021		2020		2021		2020
	(unaudited)				(unaudited)
Total segment contribution	$	(2,883)	$	3,934	$	(7,516)	$	10,265
Ceded premium, losses and LAE	—		5,134		(5,242)		11,548
Other income	345		901		1,672		1,699
Policy services expenses and other	2,242		200		4,305		1,999
Sales, marketing, and other acquisition costs	12,092		(89)		84,975		3,299
Research and development	3,060		261		6,427		2,662
Amortization of capitalized software	2,838		2,815		8,190		8,311
Other operating expenses	14,200		3,922		39,511		13,138
Loss from operations	$	(37,660)	$	(9,210)	$	(147,354)	$	(32,391)

Schedule of geographical breakdown of direct earned premiums

Direct earned premium by state is as follows (in thousands):


	Three Months Ended September 30,				Nine Months Ended September 30,
	2021		2020		2021		2020
	(unaudited)				(unaudited)
California	$	16,352	$	15,737	$	47,832	$	43,343
Washington	3,567		3,086		9,931		8,410
New Jersey	2,853		2,475		8,061		6,718
Oregon	1,821		1,862		5,330		5,466
Illinois	1,133		1,179		3,193		3,381
Arizona	1,410		1,170		3,923		3,332
Pennsylvania	735		792		2,133		2,197
Virginia	622		459		1,670		1,284
Total premiums earned	$	28,493	$	26,760	$	82,073	$	74,131