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Subsequent Event
 3 Months Ended
Mar. 31, 2016
Subsequent Events [Abstract]  
Subsequent Event
Subsequent Event
The Company plans to cease operations in Michigan and Pennsylvania to focus resources on other states with better opportunities for sustained profitable growth. Combined results for Michigan and Pennsylvania were as follows:
 
 
 
 
 
 
Years ended December 31,
 
(in thousands, except ratios)
2015
 
2014
 
 
 
 
 
 
Net premiums written
$
14,413

 
$
18,375

 
Net premiums earned
$
15,366

 
$
18,573

 
Combined ratio
137
%
 
130
%
 

On April 29, 2016, the Company filed plans to exit these states with the respective state regulatory agencies. The Company expects to complete the run-off of its Michigan and Pennsylvania operations in 2017.
In line with the goal of improving operating efficiencies outside California and overall long-term profitability, the Company restructured its claims operations in states outside of California resulting in a workforce reduction of approximately 100 employees on April 29, 2016. The affected employees were located primarily in the Company's New Jersey and Florida branch offices. The Company expects to record a charge, in the second quarter of 2016, of approximately $2 million for employee termination costs.