Segment Reporting (Tables)

6 Months Ended

Jun. 30, 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
Table	15.1
		Three Months Ended June 30,				Six Months Ended June 30,
(In thousands)		2025		2024		2025		2024
Other underwriting and operating expenses net:
Employee costs		$	36,351	$	38,478	$	73,311	$	82,203
Outside services (1)		8,713		9,374		16,524		17,443
Premium taxes (2)		5,237		5,269		10,647		10,598
Depreciation expense		941		1,144		1,884		2,284
All other underwriting and operating (3)		(888)		(1,590)		(606)		(835)
Total other underwriting and operating expenses net		$	50,354	$	52,675	$	101,760	$	111,693

(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.