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Reinsurance (Tables)
 9 Months Ended
Sep. 30, 2025
Reinsurance Disclosures [Abstract]  
Schedule of Reinsurance Recoverable, Credit Quality Indicator The following tables provide (i) a disaggregation of our reinsurance recoverable balance by financial strength rating and (ii) an aging analysis of our past due reinsurance recoverable balances as of September 30, 2025, and December 31, 2024:
September 30, 2025
($ in thousands)CurrentPast DueTotal Reinsurance Recoverables
Financial strength rating of rated reinsurers
A++$130,997 1,113 132,110 
A+555,236 7,671 562,907 
A134,999 3,170 138,169 
A-2,619 264 2,883 
Total rated reinsurers823,851 12,218 836,069 
Non-rated reinsurers
Federal and state pools101,867 — 101,867 
Other than federal and state pools11,444 54 11,498 
Total non-rated reinsurers113,311 54 113,365 
Total reinsurance recoverable, gross$937,162 12,272 949,434 
Less: allowance for credit losses(2,000)
Total reinsurance recoverable, net947,434 

December 31, 2024
($ in thousands)CurrentPast DueTotal Reinsurance Recoverables
Financial strength rating of rated reinsurers
A++$111,481 225 111,706 
A+483,317 5,205 488,522 
A131,087 819 131,906 
A-5,421 149 5,570 
Total rated reinsurers731,306 6,398 737,704 
Non-rated reinsurers
Federal and state pools318,785 — 318,785 
Other than federal and state pools6,647 9 6,656 
Total non-rated reinsurers325,432 9 325,441 
Total reinsurance recoverable, gross$1,056,738 6,407 1,063,145 
Less: allowance for credit losses(2,000)
Total reinsurance recoverable, net1,061,145 
Schedule of Reinsurance Recoverable, Allowance for Credit Loss
The following table provides a roll forward of the allowance for credit losses on our reinsurance recoverable balance for the periods indicated:

Quarter ended
September 30,		Nine Months ended
September 30,
($ in thousands)
2025202420252024
Balance at beginning of period$2,000 1,700 $2,000 1,700 
Current period change for expected credit losses— 300 — 300 
Write-offs charged against the allowance for credit losses— — — — 
Recoveries— — — — 
Allowance for credit losses, end of period$2,000 2,000 $2,000 2,000 
Schedule of Direct, Assumed, and Ceded Reinsurance Amounts
The following table lists direct, assumed, and ceded reinsurance amounts for premiums written, premiums earned, and loss and loss expense incurred for the indicated periods. For more information about reinsurance, refer to Note 9. "Reinsurance" in Item 8. "Financial Statements and Supplementary Data." of our 2024 Annual Report.

Quarter ended
September 30,		Nine Months ended
September 30,
($ in thousands)2025202420252024
Premiums written:    
Direct$1,411,730 1,335,475 $4,325,386 4,051,124 
Assumed7,542 7,611 18,960 20,009 
Ceded(211,356)(185,446)(607,358)(530,771)
Net1,207,916 1,157,640 3,736,988 3,540,362 
Premiums earned:    
Direct1,387,891 1,279,783 4,101,417 3,727,847 
Assumed6,306 6,972 18,379 18,942 
Ceded(189,519)(174,527)(568,304)(503,386)
Net1,204,678 1,112,228 3,551,492 3,243,403 
Loss and loss expense incurred:
    
Direct966,358 1,194,224 2,726,959 2,957,610 
Assumed5,260 6,104 15,895 17,143 
Ceded(152,587)(434,670)(353,600)(579,255)
Net$819,031 765,658 $2,389,254 2,395,498