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v3.25.1

Segment Information - Return on Equity (Details) - USD ($) | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023
Segment Reporting Information [Line Items] |  |
Commission expense and other underwriting expenses | $ 59,622,060 | $ 59,274,591
Ceding commission revenue | 18,837,946 | 21,053,494
Other income | 568,096 | 609,721
Net premiums earned | 128,497,920 | 114,384,263
Stockholders' equity beginning of period | 34,504,139 | 36,169,432
Stockholders' equity end of period | 66,708,451 | 34,504,139
Net investment income | 6,823,590 | 6,008,682
Assets | $ 374,915,843 | $ 317,633,210
Reportable Segment |  |
Segment Reporting Information [Line Items] |  |
Net loss ratio | 48.70% | 72.40%
Net underwriting expense ratio | 31.30% | 32.90%
Net combined ratio | 80.00% | 105.30%
Commission expense and other underwriting expenses | $ 59,622,060 | $ 59,274,591
Ceding commission revenue | (18,837,946) | (21,053,494)
Other income | (549,967) | (600,993)
Total commission expense and other underwriting expenses | 40,234,147 | 37,620,104
Net premiums earned | 128,497,920 | 114,384,263
Stockholders' equity beginning of period | 34,504,139 | 36,169,432
Stockholders' equity end of period | 66,708,451 | 34,504,139
Average stockholders' equity | 50,606,295 | 35,336,786
Net investment income | $ 6,823,590 | $ 6,008,682
Return on equity on net investment income | 13.50% | 17.00%
Return on equity on net investment income - annualized | 13.50% | 17.00%
Assets | $ 372,661,348 | $ 317,633,210

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