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v3.25.4

Note 11 - Reinsurance - Effects of Reinsurance (Details) - USD ($) $ in Thousands | 12 Months Ended
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Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Reinsurance Disclosures [Abstract] |  |  |
Written premiums, direct | $ 1,792,609 | $ 1,403,383 | $ 1,083,804
Earned premiums, direct | 1,600,618 | 1,301,901 | 959,614
Written premiums, assumed | 235,643 | 138,578 | 57,754
Earned premiums, assumed | 186,566 | 95,468 | 56,107
Ceded written premiums | (1,064,230) | (897,111) | (731,531)
Earned premiums, ceded | (984,549) | (886,682) | (669,808)
Net written premiums | 964,022 | 644,851 | 410,027
Net earned premiums | 802,635 | 510,687 | 345,913
Losses, direct | 381,708 | 367,276 | 228,441
LAE, direct | 140,505 | 75,301 | 60,834
Losses and LAE, direct | 522,213 | 442,577 | 289,275
Losses, assumed | 74,188 | 46,866 | 19,799
LAE, assumed | 4,837 | 4,930 | 1,789
Losses and LAE, assumed | 79,025 | 51,796 | 21,588
Losses, ceded | (291,428) | (305,336) | (186,706)
LAE, ceded | (81,216) | (54,278) | (51,565)
Losses and LAE, ceded | (372,644) | (359,614) | (238,271)
Losses, net | 164,468 | 108,806 | 61,534
LAE, net | 64,126 | 25,953 | 11,058
Losses and loss adjustment expenses | $ 228,594 | $ 134,759 | $ 72,592

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