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Reinsurance (Tables) | 12 Months Ended
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Dec. 31, 2025
Reinsurance Disclosures [Abstract] |
Effects of reinsurance | The effects of reinsurance on the Company’s written and earned premiums and losses and loss adjustment expenses with unaffiliated reinsurers were as follows:
| Year Ended December 31,
| 2025 |  | 2024 |  | 2023
Premiums Written |  |  |  |  |
Direct | $ | 10,250 |  |  | $ | 10,056 |  |  | $ | 9,652 |
Assumed | 12,628 |  |  | 11,455 |  |  | 8,751 |
Ceded | (6,402) |  |  | (5,779) |  |  | (4,935) |
Net | $ | 16,476 |  |  | $ | 15,732 |  |  | $ | 13,468 |
Premiums Earned |  |  |  |  |
Direct | $ | 10,200 |  |  | $ | 9,721 |  |  | $ | 9,131 |
Assumed | 13,089 |  |  | 10,880 |  |  | 7,890 |
Ceded | (6,224) |  |  | (5,501) |  |  | (4,581) |
Net | $ | 17,065 |  |  | $ | 15,100 |  |  | $ | 12,440 |
Losses and Loss Adjustment Expenses |  |  |  |  |
Direct | $ | 5,975 |  |  | $ | 5,676 |  |  | $ | 4,739 |
Assumed | 7,260 |  |  | 6,137 |  |  | 3,975 |
Ceded | (3,865) |  |  | (3,471) |  |  | (2,468) |
Net | $ | 9,370 |  |  | $ | 8,342 |  |  | $ | 6,246 |
Coverage and retention | The following table summarizes the respective coverages and retentions at December 31, 2025:
Bellemeade Entities (Issue Date) | Initial Coverage at Issuance |  | Current Coverage |  | Remaining Retention, Net
2021-3 Ltd. (1) | $ | 639 |  |  | $ | 35 |  |  | $ | 130 |
2022-1 Ltd. (2) | 317 |  |  | 54 |  |  | 135 |
2022-2 Ltd. (3) | 327 |  |  | 134 |  |  | 187 |
2023-1 Ltd. (4) | 233 |  |  | 186 |  |  | 164 |
2024-1 Ltd. (5) | 204 |  |  | 163 |  |  | 170 |
2025-1 Ltd. (6) | 249 |  |  | 239 |  |  | 166 |
Total | $ | 1,969 |  |  | $ | 811 |  |  | $ | 952 |
(1) Issued in September 2021, covering in-force policies issued between April 1, 2021 and June 30, 2021. $508 million was directly funded by Bellemeade Re 2021-3 Ltd. via insurance-linked notes, with an additional $131 million capacity provided directly to Arch MI U.S. by a separate panel of reinsurers. (2) Issued in January 2022, covering in-force policies issued between July 1, 2021 and November 30, 2021. $284 million was directly funded by Bellemeade Re 2022-1 Ltd. via insurance-linked notes, with an additional $33 million capacity provided directly to Arch MI U.S. by a separate panel of reinsurers. (3) Issued in September 2022, covering in-force policies issued between November 1, 2021 and June 30, 2022. $201 million was directly funded by Bellemeade Re 2022-2 Ltd. via insurance-linked notes, with an additional $126 million capacity provided directly to Arch MI U.S. by a separate panel of reinsurers. (4) Issued in October 2023, covering in-force policies issued between January 1, 2023 and September 30, 2023. $186 million was directly funded by Bellemeade Re 2023-1 Ltd. via insurance-linked notes, with an additional $47 million capacity provided directly to Arch MI U.S. by a separate panel of reinsurers. (5) Issued in August 2024, covering in-force policies issued between September 1, 2023 and July 31, 2024. $163 million was directly funded by Bellemeade Re 2024-1 Ltd. via insurance-linked notes, with an additional $41 million capacity provided directly to Arch MI U.S. by a separate panel of reinsurers. (6) Issued in November 2025, covering in-force policies issued between July 1, 2024 and September 30, 2025. $199 million was directly funded by Bellemeade Re 2025-1 Ltd. via insurance-linked notes, with an additional $50 million capacity provided directly to Arch MI U.S. by a separate panel of reinsurers.

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- Definition Tabular disclosure of the effects of reinsurance, for example, but not limited to, disclosure of direct, assumed, and ceded insurance. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479838/944-20-50-1 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 605 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479032/944-605-50-1 + Details
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