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REINSURANCE (Tables) | 12 Months Ended
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Dec. 31, 2025
Reinsurance Disclosures [Abstract] |
Summary of Effects of Reinsurance on Net Written Premiums, Earned Premiums and Loss and Loss Settlement Expenses | The effects of reinsurance on net written premium, earned premium and loss and loss settlement expenses are presented in the following table:
Year ended December 31, | 2025 |  | 2024 |  | 2023
Written premium(1): |  |  |  |  |
Direct | 1,308,916 |  |  | 1,177,511 |  |  | 1,061,358 |
Assumed | 199,942 |  |  | 217,904 |  |  | 159,335 |
Ceded | (162,639) |  |  | (163,945) |  |  | (153,792) |
Net written premium | 1,346,219 |  |  | 1,231,470 |  |  | 1,066,901 |
Earned premium: |  |  |  |  |
Direct | 1,259,966 |  |  | 1,109,903 |  |  | 1,017,917 |
Assumed | 206,708 |  |  | 214,043 |  |  | 161,628 |
Ceded | (173,978) |  |  | (147,196) |  |  | (144,958) |
Net earned premium | 1,292,696 |  |  | 1,176,750 |  |  | 1,034,587 |
Loss and loss settlement expenses: |  |  |  |  |
Direct | 696,706 |  |  | 641,410 |  |  | 763,609 |
Assumed | 142,931 |  |  | 155,022 |  |  | 102,408 |
Ceded | (75,235) |  |  | (51,827) |  |  | (96,603) |
Net loss and loss settlement expense | 764,402 |  |  | 744,605 |  |  | 769,414 |
(1) See Part II, Item 7, "Management's Discussion and Analysis of Financial Condition and Results of Operations" for definition of Net written premium.
Summary of Rollforward of Credit Loss Allowance for Reinsurance Receivable | The following table provides a roll forward of the allowance for credit losses in our reinsurance recoverable balance at December 31, 2025:
Beginning balance, January 1, 2025 |  | $ | 103 |
Current-period provision for credit losses |  | 18
Ending balance, December 31, 2025 |  | $ | 121 |
Summary of Reinsurance Programs and Retentions |
| 2025 Reinsurance Programs
Type of Reinsurance | Stated Retention |  | Exhaustion Point |  | Placement and Limit
Casualty Excess of Loss | $ | 3,000 |  |  | $ | 60,000 |  |  | 100 | % | of | $ | 57,000 |
Property Excess of Loss | 3,000 |  |  | 50,000 |  |  | 100 | % | of | $ | 47,000 |
Property Semi-automatic Quota Share | 50,000 |  |  | 75,000 |  |  | 100 | % | of | $ | 25,000 |
Surety Excess of Loss | 5,000 |  |  | 50,000 |  |  | 100 | % | of | $ | 45,000 |
Professional Liability DUA Excess of Loss | 500 |  |  | 3,000 |  |  | 32 | % | of | $ | 2,500 |
Professional Liability DUA Quota Share | N/A |  | 5,000 |  |  | 24 | % | of | $ | 5,000 |
Specialty Casualty Quota Share | N/A |  | 5,000 |  |  | 75 | % | of | $ | 5,000 |
Specialty Property Quota Share | N/A |  | 5,000 |  |  | 100 | % | of | $ | 5,000 |
Property Catastrophe Excess of Loss | 20,000 |  |  | 130,000 |  |  | 100 | % | of | $ | 110,000 |
Earthquake DUA Catastrophe Excess of Loss | 10,000 |  |  | 140,000 |  |  | 100 | % | of | $ | 130,000 |
Cyber Quota Share | N/A |  | 1,000 |  |  | 100 | % | of | $ | 1,000 |
Boiler and Machinery Quota Share | N/A |  | 100,000 |  |  | 100 | % | of | $ | 100,000 |
Pillar Occurrence Excess of Loss | 5,000 |  |  | 15,000 |  |  | 50 | % |  | $ | 10,000 |
New reinsurance programs that began in 2024 included the property semi-automatic quota share. In 2024, we also transitioned our earthquake DUA quota share into an excess of loss treaty.
| 2024 Reinsurance Programs
Type of Reinsurance | Stated Retention |  | Ground Up Limits |  | Coverage
Casualty Excess of Loss | $ | 3,000 |  |  | $ | 60,000 |  |  | 100 | % | of | $ | 57,000 |
Property Excess of Loss | 3,000 |  |  | 25,000 |  |  | 100 | % | of | $ | 22,000 |
Property Semi-automatic Quota Share | 25,000 |  |  | 50,000 |  |  | 100 | % | of | $ | 25,000 |
Surety Excess of Loss | 5,000 |  |  | 50,000 |  |  | 100 | % | of | $ | 45,000 |
Marine Liability DUA Quota Share | N/A |  | 10,000 |  |  | 70 | % | of | $ | 10,000 |
Professional Liability DUA Quota Share | N/A |  | 5,000 |  |  | 55 | % | of | $ | 5,000 |
Specialty Casualty Variable Quota Share | N/A |  | 10,000 |  |  | 50 | % | of | $ | 10,000 |
Property Catastrophe Excess of Loss | 20,000 |  |  | 130,000 |  |  | 100 | % | of | $ | 110,000 |
Earthquake DUA Catastrophe Excess of Loss | 10,000 |  |  | 170,000 |  |  | 100 | % | of | $ | 160,000 |
Cyber Quota Share | N/A |  | 1,000 |  |  | 100 | % | of | $ | 1,000 |
Boiler and Machinery Quota Share | N/A |  | 100,000 |  |  | 100 | % | of | $ | 100,000 |
Pillar Occurrence Excess of Loss | 5,000 |  |  | 15,000 |  |  | 42 | % | of | $ | 10,000 |
New reinsurance programs that began in 2023 included our marine liability DUA quota share and our specialty variable quota share.
| 2023 Reinsurance Programs
Type of Reinsurance | Stated Retention |  | Ground Up Limits |  | Coverage
Casualty Excess of Loss | $ | 3,000 |  |  | $ | 60,000 |  |  | 100 | % | of | $ | 57,000 |
Property Excess of Loss | 3,000 |  |  | 25,000 |  |  | 100 | % | of | $ | 22,000 |
Surety Excess of Loss | 2,000 |  |  | 50,000 |  |  | 100 | % | of | $ | 48,000 |
Marine Liability DUA Quota Share | N/A |  | 5,000 |  |  | 70 | % | of | $ | 5,000 |
Professional Liability DUA Quota Share | N/A |  | 5,000 |  |  | 70 | % | of | $ | 5,000 |
Specialty Casualty Variable Quota Share | N/A |  | 5,000 |  |  | 70 | % | of | $ | 5,000 |
Property Catastrophe Excess of Loss | 20,000 |  |  | 200,000 |  |  | 100 | % | of | $ | 163,150 |
Cyber Quota Share | N/A |  | 1,000 |  |  | 100 | % | of | $ | 1,000 |
Boiler and Machinery Quota Share | N/A |  | 100,000 |  |  | 100 | % | of | $ | 100,000 |
Pillar Occurrence Excess of Loss | 6,000 |  |  | 16,000 |  |  | 90 | % | of | $ | 10,000 |
Earthquake DUA Quota Share | N/A |  | 170,000 |  |  | 100 | % | of | $ | 56,525 |

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