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Segment Reporting (Tables)
 3 Months Ended
Mar. 31, 2025
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
Table15.1
Three Months Ended March 31,
(In thousands)
20252024
Other underwriting and operating expenses net:
Employee costs
$36,960 $43,725 
Outside services (1)
7,811 8,069 
Premium taxes (2)
5,410 5,329 
Depreciation expense
943 1,140 
All other underwriting and operating (3)
282 755 
Total other underwriting and operating expenses net
$51,406 $59,018 
(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 4 - "Reinsurance"), computer hardware and software expenses, legal, audit, insurance, and general and administrative expenses.