Income Taxes - Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Deferred tax assets
Unearned premium disallowance	$ 15,187	$ 12,418
Reserves for losses and loss adjustment expenses	14,295	9,298
Unrealized losses on investments	0	2,982
Share-based compensation	2,049	890
Amortization of startup costs	757	817
Depreciable assets	0	337
Accrued benefits	278	320
Accrued expenses	186	116
Other	117	64
State tax credits	61	0
Capital loss carryforward	5	9
Total deferred tax assets	32,935	27,251
Deferred tax liabilities
Deferred policy acquisition costs	7,410	5,801
Accrued bond discount	618	1,092
Unrealized investment gains	1,423	17
Other	45	1
Depreciation	963	0
Total deferred tax liabilities	10,459	6,911
Net deferred tax assets	$ 22,476	$ 20,340