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Premiums Receivable
 12 Months Ended
Dec. 31, 2021
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 credit losses. The components of premiums receivable are shown below:

 

  

 

December 31,

 

 

 

2021

 

 

2020

 

 

 

(in thousands)

 

Premiums receivable

 

$

139,486

 

 

$

161,551

 

Allowance for credit losses

 

 

(4,386

)

 

 

(4,791

)

Premiums receivable, net

 

$

135,100

 

 

$

156,760

 

 

The following summarizes the activity in the allowance for credit losses on premiums receivable:

 

 

 

December 31,

 

 

 

2021

 

 

2020

 

 

 

(in thousands)

 

Balance, beginning of year

 

$

4,791

 

 

$

5,112

 

Provision for credit loss expense

 

 

1,090

 

 

 

1,278

 

Write-offs

 

 

(1,495

)

 

 

(1,599

)

Balance, end of year

 

$

4,386

 

 

$

4,791

 

 

 

Included in premiums receivable at December 31, 2021, 2020 and 2019 is the Company’s estimate for EBUB premium of $7.9 million, $6.3 million and $8.5 million, respectively.