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Reinsurance (Tables)
 12 Months Ended
Dec. 31, 2024
Reinsurance [Abstract]  
Effects of Reinsurance on Premiums Written, Premiums Earned and Insurance Benefits and Losses Incurred

The effects of reinsurance on premiums written, premiums earned and insurance benefits and losses incurred were as follows:

   
For the Year Ended December 31, 2024
  
   
American
Southern
    
Bankers
Fidelity
    
Total
  
Direct premiums written
  
$
45,837
    
$
164,141
    
$
209,978
  
Assumed premiums written
    
27,833
      
9
      
27,842
  
Ceded premiums written
    
(5,979
)
    
(53,236
)
    
(59,215
)
Net premiums written
  
$
67,691
    
$
110,914
    
$
178,605
  
                         
Direct premiums earned
  
$
46,149
    
$
164,282
    
$
210,431
  
Assumed premiums earned
    
27,519
      
9
      
27,528
  
Ceded premiums earned
    
(5,979
)
    
(53,249
)
    
(59,228
)
Net premiums earned
  
$
67,689
    
$
111,042
    
$
178,731
  
                         
Provision for benefits and losses incurred
  
$
58,024
    
$
109,349
    
$
167,373
  
Reinsurance loss recoveries
    
(2,257
)
    
(39,285
)
    
(41,542
)
Insurance benefits and losses incurred
  
$
55,767
    
$
70,064
    
$
125,831
  

   
For the Year Ended December 31, 2023
  
   
American
Southern
    
Bankers
Fidelity
    
Total
  
Direct premiums written
  
$
49,580
    
$
166,093
    
$
215,673
  
Assumed premiums written
    
27,987
      
29
      
28,016
  
Ceded premiums written
    
(5,902
)
    
(55,933
)
    
(61,835
)
Net premiums written
  
$
71,665
    
$
110,189
    
$
181,854
  
                         
Direct premiums earned
  
$
46,349
    
$
166,368
    
$
212,717
  
Assumed premiums earned
    
27,996
      
7
      
28,003
  
Ceded premiums earned
    
(5,902
)
    
(55,993
)
    
(61,895
)
Net premiums earned
  
$
68,443
    
$
110,382
    
$
178,825
  
                         
Provision for benefits and losses incurred
  
$
52,899
    
$
110,995
    
$
163,894
  
Reinsurance loss recoveries
    
(1,884
)
    
(39,510
)
    
(41,394
)
Insurance benefits and losses incurred
  
$
51,015
    
$
71,485
    
$
122,500
  
Components of Reinsurance Receivables

Components of reinsurance receivables at December 31, 2024 and 2023 were as follows:

   
December 31, 2024
  
   
American
Southern
    
Bankers
Fidelity
    
Total
  
Recoverable on unpaid losses, net of allowance
  
$
8,602
    
$
8,788
    
$
17,390
  
Recoverable on unpaid benefits
    
—
      
4,607
      
4,607
  
Recoverable on paid losses
    
—
      
—
      
—
  
Ceded unearned premiums
    
—
      
608
      
608
  
Ceded advanced premiums
    
—
      
337
      
337
  
Total reinsurance receivables
  
$
8,602
    
$
14,340
    
$
22,942
  

    December 31, 2023  
   
American
Southern
    
Bankers
Fidelity
    
Total
  
Recoverable on unpaid losses, net of allowance
  
$
6,415
    
$
8,263
    
$
14,678
  
Recoverable on unpaid benefits
    
—
      
5,470
      
5,470
  
Recoverable on paid losses
    
—
      
108
      
108
  
Ceded unearned premiums
    
—
      
621
      
621
  
Ceded advanced premiums
    
—
      
226
      
226
  
Total reinsurance receivables
  
$
6,415
    
$
14,688
    
$
21,103