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Allowance for Credit Losses on Premiums Receivable
 12 Months Ended
Dec. 31, 2024
Premiums Receivable Disclosure [Abstract]  
Allowance for Credit Losses on Premiums Receivable Allowance for Credit Losses on Premiums Receivable
The following table provides a roll forward of the ACL on our premiums receivable balance for 2024 and 2023:

($ in thousands)December 31, 2024December 31, 2023
Balance at beginning of year$18,900 16,100 
Current period change for expected credit losses6,934 6,124 
Write-offs charged against the allowance for credit losses(7,146)(5,080)
Recoveries1,712 1,756 
ACL, end of year$20,400 18,900 

For a discussion of the methodology used to evaluate our estimate of expected credit losses on premiums receivable, refer to Note 2. "Summary of Significant Accounting Policies."