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Segment Reporting and Disaggregated Revenue (Tables)

12 Months Ended

Dec. 31, 2025

Revenue from Contract with Customer [Abstract]

Schedule of Segment Information, by Segment

The table below presents the Company's segment information for the years ended December 31, 2025, 2024, and 2023:

			Year ended December 31, 2025
			Insurance						Marketplace						Total
REVENUES:			(in thousands)
Commission and fee revenue			$	486,376					$	—					$	486,376
Earned premium, net			726,726						—						726,726
Marketplace revenue			—						119,199						119,199
Membership and other revenue			82,376						—						82,376
Net investment income			37,739						909						38,648
Net investment gains			3,064						—						3,064
Total revenue			1,336,281						120,108						1,456,389
EXPENSES:
Losses and loss adjustment expenses			285,394						—						285,394
Ceding commissions, net			337,087						—						337,087
Sales expense			165,894						92,307						258,201
Other expenses			356,749						38,930						395,679
Total segment expenses			1,145,124						131,237						1,276,361
Segment income (loss) before taxes			191,157						(11,129)						180,028
Corporate expenses															(3,171)
Interest expense															(5,440)
Change in TRA Liability															(32,235)
Income before taxes															$	139,182

			Year ended December 31, 2024
			Insurance						Marketplace						Total
REVENUES:			(in thousands)
Commission and fee revenue			$	423,240					$	—					$	423,240
Earned premium, net			643,324						—						643,324
Marketplace revenue			—						54,549						54,549
Membership and other revenue			78,925						—						78,925
Net investment income			38,357						892						39,249
Net investment gains			2,223						—						2,223
Total revenue			1,186,069						55,441						1,241,510
EXPENSES:
Losses and loss adjustment expenses			298,593			$	—		—						298,593
Ceding commissions, net			301,719						—						301,719
Sales expense			151,295						39,226						190,521
Other expenses			311,914						30,622						342,536
Total segment expenses			1,063,521						69,848						1,133,369
Segment income (loss) before taxes			122,548						(14,407)						108,141
Corporate expenses															(3,004)
Gain related to divestiture															87
Loss related to warrant liabilities, net															(8,544)
Interest expense															(1,396)
Change in TRA Liability															(1,602)
Income before taxes															$	93,682

			Year ended December 31, 2023
			Insurance						Marketplace						Total
REVENUES:			(in thousands)
Commission and fee revenue			$	365,512					$	—					$	365,512
Earned premium, net			531,866						—						531,866
Marketplace revenue			—						28,085						28,085
Membership and other revenue			74,750						—						74,750
Net investment income			26,904						—						26,904
Total revenue			999,032						28,085						1,027,117
EXPENSES:
Losses and loss adjustment expenses			220,658			$	—		—						220,658
Ceding commissions, net			251,805						—						251,805
Sales expense			141,454						14,918						156,372
Other expenses			321,837						26,036						347,873
Total segment expenses			935,754						40,954						976,708
Segment income (loss) before taxes			63,278						(12,869)						50,409
Corporate expenses															(1,608)
Restructuring, impairment and related charges, net															(8,812)
Losses and impairments related to divestitures															(4,013)
Gain related to warrant liabilities															11,543
Interest expense															(5,383)
Change in TRA Liability															2,636
Income before taxes															$	44,772

Schedule of Disaggregation of Revenue

The following tables present revenues from customer contracts that are recognized in accordance with ASC 606, disaggregated by geographic area, as well as a reconciliation to total revenue for the years ended December 31, 2025, 2024, and 2023:

			Year ended December 31, 2025
			Insurance						Marketplace						Total
			in thousands
United States			$	528,023					$	88,502					$	616,525
International			40,729						20,380						61,109
Total revenue from customer contracts			568,752						108,882						677,634
Earned premium, net			726,726						—						726,726
Net investment income			37,739						909						38,648
Net investment gains			3,064						—						3,064
Finance revenue			—						10,317						10,317
Total revenue			$	1,336,281					$	120,108					$	1,456,389

			Year ended December 31, 2024
			Insurance						Marketplace						Total
			in thousands
United States			$	467,478					$	45,184					$	512,662
International			34,687						1,282						35,969
Total revenue from customer contracts			502,165						46,466						548,631
Earned premium, net			643,324						—						643,324
Net investment income			38,357						892						39,249
Net investment gains			2,223						—						2,223
Finance revenue			—						8,083						8,083
Total revenue			$	1,186,069					$	55,441					$	1,241,510

			Year ended December 31, 2023
			Insurance						Marketplace						Total
			in thousands
United States			$	409,345					$	22,816					$	432,161
International			30,917						1,195						32,112
Total revenue from customer contracts			440,262						24,011						464,273
Earned premium, net			531,866						—						531,866
Net investment income			26,904						—						26,904
Finance revenue			—						4,074						4,074
Total revenue			$	999,032					$	28,085					$	1,027,117

The tables below present the Company's revenue by distribution channel for the years ended December 31, 2025, 2024, and 2023:

			Year ended December 31, 2025
			Agent						Direct						Total
			in thousands
Commission and fee revenue			$	241,080					$	192,611					$	433,691
Contingent commission			28,105						24,580						52,685
Total commission and fee revenue			$	269,185					$	217,191					$	486,376

			Year ended December 31, 2024
			Agent						Direct						Total
			in thousands
Commission and fee revenue			$	210,052					$	171,252					$	381,304
Contingent commission			23,228						18,708						41,936
Total commission and fee revenue			$	233,280					$	189,960					$	423,240

			Year ended December 31, 2023
			Agent						Direct						Total
			in thousands
Commission and fee revenue			$	158,354					$	131,178					$	289,532
Contingent commission			42,408						33,572						75,980
Total commission and fee revenue			$	200,762					$	164,750					$	365,512

X

- Definition

Tabular disclosure of disaggregation of revenue into categories depicting how nature, amount, timing, and uncertainty of revenue and cash flows are affected by economic factor.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-5

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X

- Definition

Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 25
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-25

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

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-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 30
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-30

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