Segment Information - Return on Equity (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024	Dec. 31, 2024
Segment Reporting Information [Line Items]
Less: Ceding commission revenue	$ 4,900,401	$ 4,741,676	$ 10,940,648	$ 13,870,748
Less: Other income	145,843	146,663	437,503	401,128
Net earned premium	47,925,053	33,407,194	137,663,376	92,530,708
Beginning balance	94,877,892	40,802,774	66,708,451	34,504,139
Ending balance	107,653,042	59,669,732	107,653,042	59,669,732
Net investment income	2,499,071	$ 1,649,673	6,847,934	$ 4,917,129
Total assets	$ 428,590,242		$ 428,590,242		$ 374,915,843
Reportable Segment
Segment Reporting Information [Line Items]
Net loss ratio	44.30%	39.00%	48.20%	48.80%
Net underwriting expense ratio	28.40%	33.00%	30.80%	31.90%
Net combined ratio	72.70%	72.00%	79.00%	80.70%
Commission expense and other underwriting expenses	$ 18,666,524	$ 15,898,844	$ 53,741,822	$ 43,764,266
Less: Ceding commission revenue	(4,900,401)	(4,741,676)	(10,940,648)	(13,870,748)
Less: Other income	(145,779)	(139,490)	(436,906)	(392,468)
Total commission expense and other underwriting expenses	13,620,344	11,017,678	42,364,268	29,501,050
Net earned premium	47,925,053	33,407,194	137,663,376	92,530,708
Beginning balance	94,877,892	40,802,774	66,708,451	34,504,139
Ending balance	107,653,042	59,669,732	107,653,042	59,669,732
Average stockholders' equity	101,265,467	50,236,253	87,180,747	47,086,936
Net investment income	$ 2,499,071	$ 1,649,673	$ 6,847,934	$ 4,917,129
Return on equity on net investment income	2.50%	3.30%	7.90%	10.40%
Return on equity on net investment income - annualized	10.00%	13.20%	15.80%	20.80%
Total assets	$ 428,590,242	$ 318,292,723	$ 428,590,242	$ 318,292,723