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v3.25.4

Reinsurance - Impact of Reinsurance (Details) - USD ($) $ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Premium written: |  |  |
Direct | $ 1,142.0 | $ 916.4 | $ 730.9
Assumed | 29.3 | 12.6 | 7.5
Ceded | (407.8) | (513.9) | (389.1)
Net premium written | 763.5 | 415.1 | 349.3
Premium earned: |  |  |
Direct | 1,026.8 | 815.9 | 667.2
Assumed | 24.0 | 11.4 | 5.1
Ceded | (514.5) | (456.7) | (357.1)
Net premium earned | 536.3 | 370.6 | 315.2
Loss and LAE incurred: |  |  |
Direct | 650.2 | 593.3 | 563.4
Assumed | 21.8 | 11.7 | 6.0
Ceded | (325.0) | (328.0) | (289.0)
Net loss and LAE incurred | $ 347.0 | $ 277.0 | $ 280.4

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