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Segment Reporting (Tables)
 12 Months Ended
Dec. 31, 2024
Segment Reporting [Abstract]  
Disaggregation of Significant Segment Expenses
The table below presents a disaggregation of significant segment expenses as monitored by our CODM:
Significant segment expenses
Table
18.1
Years Ended December 31,
(In thousands)
202420232022
Other underwriting and operating expenses net:
Employee costs
$157,937 $176,682 $170,914 
Outside services (1)
32,667 36,099 55,612 
Premium taxes (2)
21,547 21,523 21,469 
Depreciation expense
4,179 4,626 4,938 
All other underwriting and operating (3)
(7,006)(12,926)(16,236)
Total other underwriting and operating expenses net
$209,324 $226,004 $236,697 
(1)Outside services expense generally includes expenses related to outsourced IT services and consulting services.
(2)Premium taxes are taxes paid to states and municipalities based upon the amount of premiums written.
(3)All other underwriting and operating expenses include ceding commissions (a reduction to our underwriting expenses, see Note 9 - "Reinsurance"), computer hardware and software expenses, legal, audit, insurance, and general and administrative expenses.