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v3.25.3

Reserves for Insurance Claims and Claim Expenses - Reconciliation of Reserve Balances for Insurance Claims and Claim Expense (Details) - USD ($) $ in Thousands | 9 Months Ended
--- | ---
Sep. 30, 2025 | Sep. 30, 2024
Liability for Unpaid Claims and Claims Adjustment Expense [Roll Forward] |  |
Beginning balance | $ 152,071 | $ 123,974
Less reinsurance recoverables | (32,260) | (27,514)
Beginning balance, net of reinsurance recoverables | 119,811 | 96,460
Claims and claim expenses incurred: |  |
Current year | 88,584 | 71,532
Prior years | (52,440) | (57,241)
Total claims and claim expenses incurred (4) | 36,144 | 14,291
Claims and claim expenses paid: |  |
Current year | 280 | 180
Prior years | 12,607 | 4,265
Reinsurance terminations | (1,964) | 0
Total claims and claim expenses paid | 10,923 | 4,445
Reserve at end of period, net of reinsurance recoverables | 145,032 | 106,306
Add reinsurance recoverables | 35,315 | 29,214
Ending balance | 180,347 | 135,520
Current year case reserves | 77,200 | 63,200
Current year IBNR | 9,800 | 7,000
Prior year case reserves | 43,200 | 49,800
Prior year, IBNR | 8,100 | $ 6,300
Reinsurance Policy, Type [Axis]: 2016 QSR Transactions |  |
Liability for Unpaid Claims and Claims Adjustment Expense [Roll Forward] |  |
Less reinsurance recoverables | (1,100) |
Reinsurance Policy, Type [Axis]: 2016, 2018 and 2021 QSR Transaction |  |
Ceded Credit Risk [Line Items] |  |
Reinsurance ceded claims and claims (benefits) expenses, termination fee | 300 |
Reinsurance Policy, Type [Axis]: QSR Transactions |  |
Liability for Unpaid Claims and Claims Adjustment Expense [Roll Forward] |  |
Less reinsurance recoverables | (31,200) |
Claims and claim expenses paid: |  |
Add reinsurance recoverables | $ 35,300 |

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- Definition Liability For Unpaid Claims And Claims Adjustment Expense, Claims Paid, Reinsurance Terminations + References No definition available. + Details
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- Definition The amount needed to reflect the estimated ultimate cost of settling claims relating to insured events that have occurred on or before the balance sheet date, whether or not reported to the insurer at that date. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 605 -Name Accounting Standards Codification -Section 55 -Paragraph 11 -Publisher FASB -URI https://asc.fasb.org/1943274/2147477548/944-605-55-11 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 55 -Paragraph 7 -Publisher FASB -URI https://asc.fasb.org/1943274/2147480046/944-40-55-7 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 55 -Paragraph 9E -Publisher FASB -URI https://asc.fasb.org/1943274/2147480046/944-40-55-9E Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 3 -Subparagraph (cc) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480081/944-40-50-3 Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 210 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.7-03(a)(13)(a)(1)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1 + Details
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- Definition Liability as of the balance sheet date for amounts representing estimated cost of settling unpaid claims under the terms of the underlying insurance policies, less estimated reinsurance recoveries on such claims. This includes an estimate for claims which have been incurred but not reported. Claim adjustment expenses represent the costs estimated to be incurred in the settlement of unpaid claims. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 210 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.7-03(a)(13)(a)(1)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 3 -Subparagraph (cc) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480081/944-40-50-3 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 944 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 3 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480081/944-40-50-3 + Details
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