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REINSURANCE (Tables)

12 Months Ended

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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Reinsurance Programs and Retentions [Table Text Block]

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Tabular disclosure of the effects of reinsurance, for example, but not limited to, disclosure of direct, assumed, and ceded insurance.

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-Name Accounting Standards Codification
-Section 50
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Tabular disclosure of allowance for credit loss on reinsurance recoverable.

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Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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