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Premiums Receivable
 12 Months Ended
Dec. 31, 2019
Insurance [Abstract]  
Premiums Receivable

3.

Premiums Receivable

Premiums receivable consist primarily of premium-related balances due from policyholders. The balance is shown net of the allowance for doubtful accounts. The components of premiums receivable are shown below:

 

  

 

December 31,

 

 

 

2019

 

 

2018

 

 

 

(in thousands)

 

Premiums receivable

 

$

163,065

 

 

$

167,868

 

Allowance for doubtful accounts

 

 

(5,112

)

 

 

(5,390

)

Premiums receivable, net

 

$

157,953

 

 

$

162,478

 

 

The following summarizes the activity in the allowance for doubtful accounts:

 

 

 

December 31,

 

 

 

2019

 

 

2018

 

 

 

(in thousands)

 

Balance, beginning of year

 

$

5,390

 

 

$

5,226

 

Provision for bad debts

 

 

723

 

 

 

883

 

Write-offs

 

 

(1,001

)

 

 

(719

)

Balance, end of year

 

$

5,112

 

 

$

5,390

 

 

Included in premiums receivable at December 31, 2019, 2018 and 2017 is the Company’s estimate for EBUB premium of $8.5 million, $7.5 million and $6.3 million, respectively.