Conifer (CNFR) 10-Q 11 Aug 16 2016 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2016	Aug. 09, 2016
Document And Entity Information
Entity Registrant Name	Conifer Holdings, Inc.
Entity Central Index Key	1,502,292
Trading Symbol	cnfr
Current Fiscal Year End Date	--12-31
Entity Filer Category	Smaller Reporting Company
Entity Current Reporting Status	Yes
Entity Common Stock, Shares Outstanding		7,577,829
Document Type	10-Q
Document Period End Date	Jun. 30, 2016
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q2
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Investment securities:
Fixed maturity securities, at fair value (amortized cost of $110,819 and $107,213, respectively)	$ 112,469	$ 107,093
Equity securities, at fair value (cost of $3,321 and $3,341, respectively)	4,443	4,240
Short-term investments, at fair value	16,304	6,391
Total investments	133,216	117,724
Cash	14,166	12,703
Premiums and agents' balances receivable, net	21,950	18,010
Receivable from affiliate	2,236	1,792
Reinsurance recoverables on unpaid losses	5,890	5,405
Reinsurance recoverables on paid losses	2,209	1,639
Ceded unearned premiums	1,848	3,483
Deferred policy acquisition costs	13,182	12,102
Other assets	5,365	5,069
Total assets	200,062	177,927
Liabilities:
Unpaid losses and loss adjustment expenses	41,832	35,422
Unearned premiums	54,230	47,916
Reinsurance premiums payable	445	1,069
Senior debt	14,750	12,750
Accounts payable and accrued expenses	12,056	2,758
Other liabilities	748	750
Total liabilities	124,061	100,665
Commitments and contingencies	0	0
Shareholders' equity:
Common stock, no par value (100,000,000 shares authorized; 7,577,829 and 7,644,492 issued and outstanding, respectively)	80,069	80,111
Accumulated deficit	(5,572)	(3,031)
Accumulated other comprehensive income	1,504	182
Total shareholders' equity	76,001	77,262
Total liabilities and shareholders' equity	$ 200,062	$ 177,927

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Statement of Financial Position [Abstract]
Fixed maturity securities, amortized cost	$ 110,819	$ 107,213
Equity securities, amortized cost	$ 3,321	$ 3,341
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	7,577,829	7,644,492
Common stock, shares outstanding (in shares)	7,577,829	7,644,492

Consolidated Statements of Oper

Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Premiums
Gross earned premiums	$ 25,258	$ 22,187	$ 48,804	$ 43,161
Ceded earned premiums	(3,583)	(7,072)	(7,020)	(13,553)
Net earned premiums	21,675	15,115	41,784	29,608
Net investment income	528	469	1,065	955
Net realized investment gains	541	87	533	232
Other income	283	480	528	969
Total revenue	23,027	16,151	43,910	31,764
Expenses
Losses and loss adjustment expenses, net	13,541	8,976	26,240	17,546
Policy acquisition costs	6,014	2,639	12,017	5,234
Operating expenses	4,536	3,619	8,675	7,311
Interest expense	143	239	300	483
Total expenses	24,234	15,473	47,232	30,574
Income (loss) before equity earnings of affiliates and income taxes	(1,207)	678	(3,322)	1,190
Equity earnings of affiliates, net of tax	71	0	158	0
Income tax (benefit) expense	(623)	48	(623)	48
Net income (loss)	(513)	630	(2,541)	1,142
Less net income attributable to noncontrolling interest	0	51	0	100
Net income (loss) attributable to Conifer	(513)	579	(2,541)	1,042
Net income (loss) allocable to common shareholders	$ (513)	$ 366	$ (2,541)	$ 616
Earnings (loss) per per common share, basic and diluted (in dollars per share)	$ (0.07)	$ 0.09	$ (0.33)	$ 0.15
Weighted average common shares outstanding, basic and diluted	7,594,862	4,050,042	7,616,821	4,045,482

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Statement of Comprehensive Income [Abstract]
Net income (loss)	$ (513)	$ 630	$ (2,541)	$ 1,142
Unrealized investment gains:
Unrealized investment gains (losses) during the period	277	(977)	1,736	(274)
Income tax expense (benefit)	585	0	585	0
Unrealized investment gains, net of tax	(308)	(977)	1,151	(274)
Less: reclassification adjustments to:
Net realized investment gains included in net income (loss)	(174)	208	(257)	425
Income tax expense (benefit)	(86)	0	(86)	0
Total reclassifications included in net income (loss), net of tax	(88)	208	(171)	425
Other comprehensive income (loss)	(220)	(1,185)	1,322	(699)
Total comprehensive income (loss)	(733)	(555)	(1,219)	443
Less comprehensive (loss) income attributable to noncontrolling interest	0	51	0	100
Comprehensive income (loss) attributable to Conifer	$ (733)	$ (606)	$ (1,219)	$ 343

Consolidated Statements of Chan

Consolidated Statements of Changes in Redeemable Preferred Stock and Shareholders' Equity (Unaudited) - USD ($) $ in Thousands		Total	Preferred Stock	No Par, Common Stock	Retained Earnings (Accumulated Deficit)	Accumulated Other Comprehensive Income (Loss)	Total Conifer Holdings Shareholders' Equity	Noncontrolling Interest	Former Preferred Stockholders	Former Preferred StockholdersNo Par, Common Stock	Former Preferred StockholdersTotal Conifer Holdings Shareholders' Equity	IPO	[1]	IPONo Par, Common Stock	[1]	IPOTotal Conifer Holdings Shareholders' Equity	[1]	Redeemable Preferred Stock
Balance at beginning of period (in shares) at Dec. 31, 2014			0	3,995,013
Balance at beginning of period at Dec. 31, 2014		$ 44,159	$ 0	$ 46,119	$ (3,095)	$ 1,158	$ 44,182	$ (23)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)		1,142			1,042		1,042	100
Issuance of stock (in shares)	[1]			55,029
Issuance of stock	[1]	750		$ 750			750
Paid-in-kind dividends		(61)	$ 62	(123)			(61)
Cash dividends paid on preferred stock		(303)		$ (303)			(303)
Reclassification of redeemable preferred stock to permanent equity (in shares)			60,600															(60,600)
Reclassification of redeemable preferred stock to permanent equity		6,180	$ 6,180				6,180											$ (6,180)
Other comprehensive loss		(699)				(699)	(699)
Balance at end of period (in shares) at Jun. 30, 2015			60,600	4,050,042
Balance at end of period at Jun. 30, 2015		51,168	$ 6,242	$ 46,443	(2,053)	459	51,091	77
Redeemable Preferred Stock, Beginning Balance (in shares) at Dec. 31, 2014																		60,600
Redeemable Preferred Stock, Beginning Balance at Dec. 31, 2014																		$ 6,119
Increase (Decrease) in Temporary Equity [Roll Forward]
Redeemable Preferred Stock, Paid-in-kind dividends																		$ 61
Redeemable Preferred Stock, Ending Balance (in shares) at Jun. 30, 2015																		0
Redeemable Preferred Stock, Ending Balance at Jun. 30, 2015																		$ 0
Balance at beginning of period at Mar. 31, 2015						1,644
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)		630
Cash dividends paid on preferred stock		(151)
Other comprehensive loss		(1,185)
Balance at end of period (in shares) at Jun. 30, 2015			60,600	4,050,042
Balance at end of period at Jun. 30, 2015		51,168	$ 6,242	$ 46,443	(2,053)	459	51,091	77
Redeemable Preferred Stock, Ending Balance (in shares) at Jun. 30, 2015																		0
Redeemable Preferred Stock, Ending Balance at Jun. 30, 2015																		$ 0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)		(1,159)			(978)		(978)	(181)
Issuance of stock (in shares)										294,450				3,300,000
Issuance of stock									$ 3,092	$ 3,092	$ 3,092	$ 32,224		$ 32,224		$ 32,224
Paid-in-kind dividends		0	$ 33	(33)
Cash dividends paid on preferred stock		(81)		(81)			(81)
IPO expenses	[1]	(1,837)		(1,837)			(1,837)
Repurchase of preferred stock (in shares)			(60,600)
Repurchase of preferred stock		(6,275)	$ (6,275)				(6,275)
Vesting of RSU	[2]	303		$ 303			303
Deconsolidation of affiliate		104						104
Other comprehensive loss		(277)				(277)	(277)
Balance at end of period (in shares) at Dec. 31, 2015			0	7,644,492
Balance at end of period at Dec. 31, 2015		77,262	$ 0	$ 80,111	(3,031)	182	77,262	0
Redeemable Preferred Stock, Ending Balance (in shares) at Dec. 31, 2015																		0
Redeemable Preferred Stock, Ending Balance at Dec. 31, 2015																		$ 0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)		(2,541)			(2,541)		(2,541)
Cash dividends paid on preferred stock		0
Repurchase of preferred stock (in shares)				(66,663)
Repurchase of preferred stock				$ (451)
Repurchase of common stock (in shares)				(66,663)
Repurchase of common stock		(451)		$ (451)			(451)
Vesting of RSU	[2]	409		$ 409			409
Other comprehensive loss		1,322				1,322	1,322
Balance at end of period (in shares) at Jun. 30, 2016			0	7,577,829
Balance at end of period at Jun. 30, 2016		76,001	$ 0	$ 80,069	(5,572)	1,504	76,001	0
Redeemable Preferred Stock, Ending Balance (in shares) at Jun. 30, 2016																		0
Redeemable Preferred Stock, Ending Balance at Jun. 30, 2016																		$ 0
Balance at beginning of period at Mar. 31, 2016						1,724
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)		(513)
Cash dividends paid on preferred stock		0
Other comprehensive loss		(220)
Balance at end of period (in shares) at Jun. 30, 2016			0	7,577,829
Balance at end of period at Jun. 30, 2016		$ 76,001	$ 0	$ 80,069	$ (5,572)	$ 1,504	$ 76,001	$ 0
Redeemable Preferred Stock, Ending Balance (in shares) at Jun. 30, 2016																		0
Redeemable Preferred Stock, Ending Balance at Jun. 30, 2016																		$ 0
[1]	"IPO" - initial public offering
[2]	"RSU" - restricted stock units

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Dec. 31, 2015	Jun. 30, 2015
Cash Flows from Operating Activities
Net income (loss)	$ (513)	$ 630	$ (2,541)	$ (1,159)	$ 1,142
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:
Depreciation and amortization of property and equipment, and intangibles			197		208
Amortization of bond premium and discount, net			290		279
Gains on investments			(533)		(232)
Incentive awards expenses - vesting of RSU			409		0
Equity earnings of affiliate	(71)	0	(158)		0
(Increase) decrease in:
Premiums and agents' balances receivable			(4,384)		(956)
Reinsurance recoverables			(1,055)		(1,132)
Ceded unearned premiums			1,635		(1,103)
Deferred policy acquisition costs			(1,080)		(1,980)
Other assets			(868)		(189)
Increase (decrease) in:
Unpaid losses and loss adjustment expenses			6,410		825
Unearned premiums			6,314		1,103
Reinsurance premiums payable			(624)		(4,370)
Accounts payable and accrued expenses			1,235		1,862
Other liabilities			(3)		(312)
Net cash provided by (used in) operating activities			5,244		(4,855)
Purchase of investments:
Fixed maturity securities			(27,375)		(19,059)
Equity securities			(754)		(759)
Short-term investments			(55,197)		(44,191)
Proceeds from maturities and redemptions of investments:
Fixed maturity securities			11,335		1,203
Proceeds from sales of investments:
Fixed maturity securities			20,677		3,206
Equity securities			838		717
Short-term investments			45,284		54,703
Purchases of property and equipment			(138)		(91)
Net cash used in investing activities			(5,330)		(4,271)
Cash Flows From Financing Activities
Proceeds received from issuance of shares of common stock			0		750
Repurchase of common stock			(451)		0
Borrowings under debt arrangements			3,000		900
Repayment of borrowings under debt arrangements			(1,000)		(1,000)
Dividends paid to preferred shareholders			0		(152)
Payout of contingent consideration			0		(113)
Payment of offering costs			0		(1,149)
Net cash provided by (used in) financing activities			1,549		(764)
Net increase (decrease) in cash			1,463		(9,890)
Cash at beginning of period			12,703	8,598	18,488
Cash at end of period	14,166	8,598	14,166	$ 12,703	8,598
Supplemental Disclosure of Cash Flow Information:
Interest paid			219		439
Net income taxes paid			45		0
Dividends declared but not paid at end of the period	0	151	0		151
Paid-in-kind interest			0		123
Payable for securities - non cash item	$ 8,063	$ 0	$ 8,063		$ 0

Summary of Significant Accounti

Summary of Significant Accounting Policies	6 Months Ended
	Jun. 30, 2016
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies Basis of Presentation The consolidated financial statements include accounts, after elimination of intercompany accounts and transactions, of Conifer Holdings, Inc. (the “Company” or “Conifer”), its wholly owned subsidiaries Conifer Insurance Company ("CIC"), White Pine Insurance Company ("WPIC"), Red Cedar Insurance Company ("RCIC"), American Colonial Insurance Company ("ACIC"), American Colonial Insurance Services ("ACIS") and Sycamore Insurance Agency, Inc ("SIA"). CIC, WPIC, RCIC and ACIC are collectively referred to as the "Insurance Company Subsidiaries." On a stand-alone basis Conifer Holdings, Inc. is referred to as the "Parent Company." The accompanying consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States (“GAAP”), which differ from statutory accounting practices prescribed or permitted for insurance companies by regulatory authorities. The Company has applied the applicable rules and regulations of the United States Securities and Exchange Commission (“SEC”) regarding interim financial reporting and therefore the consolidated financial statements do not include all of the information and notes required by GAAP for annual financial statements. In the opinion of management, all adjustments, consisting of items of a normal recurring nature, necessary for a fair presentation of the consolidated interim financial statements, have been included. The results of operations for the six months ended June 30, 2016 , are not necessarily indicative of the results expected for the year ended December 31, 2016 . These consolidated financial statements and the notes thereto should be read in conjunction with the Company's audited consolidated financial statements and related notes included in its Annual Report on Form 10-K for the year ended December 31, 2015 , as filed with the SEC on March 15, 2016 ("2015 Audited Financial Statements"). Business The Company is engaged in the sale of property and casualty insurance products and has organized its principal operations into two types of insurance businesses: commercial lines and personal lines. The Company underwrites a variety of specialty insurance products, including property, general liability, commercial multi-peril, liquor liability, automobile, and homeowners and dwelling policies. The Company markets and sells its insurance products through a network of independent agents, including managing general agents, whereby policies are written in all 50 states in the United States. The Company’s corporate headquarters is located in Birmingham, Michigan with additional office facilities in Florida, Texas, Pennsylvania and Tennessee. The Company discontinued offering nonstandard personal automobile policies in the first half of 2015. The Company will continue to pay claims and perform other administrative services until existing policies expire and all claims are paid (a process referred to as “run-off”). The run-off is expected to be substantially complete by the end of 2016. Initial Public Offering In August 2015, the Company completed its initial public offering (“IPO”) whereby it issued and sold 3,300,000 shares of common stock, which included 100,000 shares issued and sold to the Company’s Chief Executive Officer, at a public offering price of $10.50 per share. Refer to Note 8 ~ Shareholders’ Equity for further details. Stock Split On July 22, 2015, the board of directors approved a stock split in the form of a stock dividend of 10.2 shares for each share of common stock which was effectuated immediately prior to the effectiveness of the IPO. Accordingly, all common share and per share amounts for all periods presented in these unaudited consolidated financial statements and notes thereto, were adjusted retroactively to reflect the stock split. Principles of Consolidation Prior to September 30, 2015, the consolidated financial statements included the accounts of Conifer Holdings, Inc. and its wholly owned subsidiaries, as well as a 50% -owned affiliate (the “Affiliate”) which the Company controlled due to its majority representation on the entity’s board of directors. Noncontrolling interest in a consolidated subsidiary in the consolidated balance sheets represents the noncontrolling shareholder’s proportionate share of the entity’s equity. Consolidated net income or loss is allocated to the Company and noncontrolling interest in proportion to their percentage ownership interests. As of September 30, 2015, the Company no longer controlled the Affiliate but retained significant influence. As a result the entity was deconsolidated from the consolidated financial statements and recognized as an investment in an affiliate utilizing the equity method of accounting. All intercompany transactions and accounts were eliminated. Use of Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. While management believes the amounts included in the consolidated financial statements reflect management's best estimates and assumptions, actual results may differ from these estimates. Recently Issued Accounting Guidance In May 2015, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2015-09, Disclosures about Short-Duration Contracts (Topic 944) , which enhances disclosure requirements for insurance entities with short-duration insurance contracts. The enhanced disclosures under the new guidance will be provided by the Company for the year ended December 31, 2016, as required. In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities. The amendments in this update modify the requirements related to the measurement of certain financial instruments in the statement of financial condition and results of operation. For equity investments (other than investments accounted for using the equity method), entities must measure such instruments at fair value with changes in fair value recognized in net income. Reporting entities may continue to elect to measure equity investments which do not have a readily determinable fair value at cost with adjustments for impairment and observable changes in price. In addition, for a liability (other than a derivative liability) that an entity measures at fair value, any change in fair value related to the instrument-specific credit risk, that is the entity’s own-credit, should be presented separately in other comprehensive income and not as a component of net income. The amendments are effective for the Company on January 1, 2018, with early adoption permitted solely for the instrument-instrument specific credit risk for liabilities measured at fair value. The amendments must be applied on a modified retrospective basis with a cumulative effect adjustment as of the beginning of the fiscal year of initial adoption. Management is currently evaluating the impact of the guidance. In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842), which addresses the financial reporting of leasing transactions. This update will require the recognition of a right-of-use asset and a corresponding lease liability, discounted to the present value, for all leases that extend beyond 12 months. For operating leases, the asset and liability will be expensed over the lease term on a straight-line basis, with all cash flows included in the operating section of the consolidated statement of cash flows. For finance leases, interest on the lease liability will be recognized separately from the amortization of the right-of-use asset in the consolidated statement of operations and the repayment of the principal portion of the lease liability will be classified as a financing activity while the interest component will be included in the operating section of the consolidated statement of cash flows. This ASU is effective for annual and interim reporting periods beginning after December 15, 2018. Early adoption is permitted. We have not yet completed the analysis of how adopting this guidance will affect our financial statements. In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments - Credit Losses (Topic 326), which amends the current methodology and timing for recognizing credit losses. This amendment will replace the current GAAP "incurred loss" methodology for credit losses with a methodology based on expected credit losses. The new guidance will also require expanded consideration of a broader range of reasonable and increased supportable information for the credit loss estimates. This ASU is effective for annual and interim reporting periods beginning after December 15, 2019. Early adoption is permitted for years beginning after December 15, 2018. We have not yet completed the analysis of how adopting this guidance will affect our financial statements.

Investments

Investments	6 Months Ended
	Jun. 30, 2016
Investments, Debt and Equity Securities [Abstract]
Investments	Investments The cost or amortized cost, gross unrealized gain or loss, and estimated fair value of the investments in securities classified as available-for-sale at June 30, 2016 and December 31, 2015 were as follows (dollars in thousands): June 30, 2016 Cost or Amortized Cost Gross Unrealized Estimated Fair Value Gains Losses Fixed Maturity Securities: U.S. Government obligations $ 5,737 $ 80 $ — $ 5,817 State and local government 10,917 551 (1 ) 11,467 Corporate debt 34,574 479 (59 ) 34,994 Commercial mortgage-backed and other asset-backed 59,591 614 (14 ) 60,191 Total fixed maturity securities available for sale 110,819 1,724 (74 ) 112,469 Equity Securities: Common stocks - Public Utilities 220 64 (2 ) 282 Common stocks - Banks, Trusts and Insurance Companies 458 151 (3 ) 606 Common stocks - Industrial, miscellaneous and all other 2,643 942 (30 ) 3,555 Total equity securities available for sale 3,321 1,157 (35 ) 4,443 Total securities available for sale $ 114,140 $ 2,881 $ (109 ) $ 116,912 December 31, 2015 Cost or Amortized Cost Gross Unrealized Estimated Fair Value Gains Losses Fixed Maturity Securities: U.S. Government obligations $ 5,474 $ 47 $ (13 ) $ 5,508 State and local government 14,391 398 (6 ) 14,783 Corporate debt 39,183 84 (483 ) 38,784 Commercial mortgage-backed and other asset-backed 48,165 164 (311 ) 48,018 Total fixed maturity securities available for sale 107,213 693 (813 ) 107,093 Equity Securities: Common stocks - Public Utilities 122 20 (1 ) 141 Common stocks - Banks, Trusts and Insurance Companies 503 150 (7 ) 646 Common stocks - Industrial, miscellaneous and all other 2,716 836 (99 ) 3,453 Total equity securities available for sale 3,341 1,006 (107 ) 4,240 Total securities available for sale $ 110,554 $ 1,699 $ (920 ) $ 111,333 The following table summarizes the aggregate fair value and gross unrealized losses, by security type, of the available-for-sale securities in unrealized loss positions. The table segregates the holdings based on the length of time that individual securities have been in a continuous unrealized loss position, as follows (dollars in thousands): June 30, 2016 Less than 12 months Greater than 12 months Total # of Issues Fair Value of Investments with Unrealized Losses Gross Un realized Losses # of Issues Fair Value of Investments with Unrealized Losses Gross Un realized Losses # of Issues Fair Value of Investments with Unrealized Losses Gross Un realized Losses Fixed Maturity Securities: U.S. Government obligations — $ — $ — — $ — $ — — $ — $ — State and local government 1 118 (1 ) — — — 1 118 (1 ) Corporate debt 7 3,104 (17 ) 15 5,127 (42 ) 22 8,231 (59 ) Commercial mortgage and asset-backed 14 8,779 (11 ) 5 1,324 (3 ) 19 10,103 (14 ) Total fixed maturity securities available for sale 22 12,001 (29 ) 20 6,451 (45 ) 42 18,452 (74 ) Equity Securities: Common stock 47 457 (22 ) 4 133 (13 ) 51 590 (35 ) Total equity securities available for sale 47 457 (22 ) 4 133 (13 ) 51 590 (35 ) Total securities 69 $ 12,458 $ (51 ) 24 $ 6,584 $ (58 ) 93 $ 19,042 $ (109 ) December 31, 2015 Less than 12 months Greater than 12 months Total # of Issues Fair Value of Investments with Unrealized Losses Gross Un realized Losses # of Issues Fair Value of Investments with Unrealized Losses Gross Un realized Losses # of Issues Fair Value of Investments with Unrealized Losses Gross Un realized Losses Fixed Maturity Securities: U.S. Government obligations 7 $ 2,580 $ (7 ) 2 $ 679 $ (6 ) 9 $ 3,259 $ (13 ) State and local government 8 2,688 (6 ) — — — 8 2,688 (6 ) Corporate debt 80 21,760 (438 ) 12 3,618 (45 ) 92 25,378 (483 ) Commercial mortgage and asset-backed 67 32,539 (258 ) 5 2,175 (53 ) 72 34,714 (311 ) Total fixed maturity securities available for sale 162 59,567 (709 ) 19 6,472 (104 ) 181 66,039 (813 ) Equity Securities: Common stock 86 782 (72 ) 3 79 (35 ) 89 861 (107 ) Total equity securities available for sale 86 782 (72 ) 3 79 (35 ) 89 861 (107 ) Total securities 248 $ 60,349 $ (781 ) 22 $ 6,551 $ (139 ) 270 $ 66,900 $ (920 ) The Company analyzed its investment portfolio in accordance with its other-than-temporary impairment ("OTTI") review procedures and determined the Company did not need to record a credit related OTTI loss, nor recognize a non-credit related OTTI loss in other comprehensive income for the three and six months ended June 30, 2016 and 2015 . The Company’s sources of net investment income are as follows (dollars in thousands): Three Months Ended June 30, Six Months Ended June 30, 2016 2015 2016 2015 Fixed maturity securities $ 570 $ 532 $ 1,156 $ 1,063 Equity securities 25 22 51 45 Cash and short-term investments 5 2 7 4 Total investment income 600 556 1,214 1,112 Investment expenses (72 ) (87 ) (149 ) (157 ) Net investment income $ 528 $ 469 $ 1,065 $ 955 The following table summarizes the gross realized gains and losses from sales or maturities of available-for-sale fixed maturity and equity securities (dollars in thousands): Three Months Ended June 30, Six Months Ended June 30, 2016 2015 2016 2015 Fixed maturity securities: Gross realized gains $ 502 $ — $ 518 $ 68 Gross realized losses (16 ) (1 ) (22 ) (4 ) Total fixed maturity securities 486 (1 ) 496 64 Equity securities: Gross realized gains 94 104 150 203 Gross realized losses (39 ) (16 ) (113 ) (35 ) Total equity securities 55 88 37 168 Total realized gains (losses) $ 541 $ 87 $ 533 $ 232 Proceeds from the sales of debt and equity securities available for sale were $21.5 million and $3.9 million for the six months ended June 30, 2016 and 2015 , respectively. The table below summarizes the amortized cost and fair value of available-for-sale fixed maturity securities by contractual maturity at June 30, 2016 . Actual maturities may differ from contractual maturities because certain borrowers have the right to call or prepay obligations with or without call or prepayment penalties (dollars in thousands): Amortized Cost Estimated Fair Value Due in one year or less $ 7,779 $ 7,784 Due after one year through five years 30,636 31,052 Due after five years through ten years 6,529 6,941 Due after ten years 6,284 6,501 Securities with contractual maturities 51,228 52,278 Commercial mortgage and asset backed 59,591 60,191 Total Fixed maturity securities $ 110,819 $ 112,469 At June 30, 2016 and December 31, 2015 , the insurance companies had an aggregate of $9.0 million and $8.9 million , respectively, on deposit in trust accounts to meet the deposit requirements of various state insurance departments. There are withdrawal and other restrictions on these deposits, including the type of investments that may be held, however, the Company may generally invest in high-grade bonds and short-term investments and earn interest on the funds.

Fair Value Measurements

Fair Value Measurements	6 Months Ended
	Jun. 30, 2016
Fair Value Disclosures [Abstract]
Fair Value Measurements	Fair Value Measurements The Company’s financial instruments include assets and liabilities carried at fair value, as well as assets and liabilities carried at cost or amortized cost but disclosed at fair value in these consolidated financial statements . Fair value is defined as the price that would be received for an asset or paid to transfer a liability in the principally most advantageous market for the asset or liability in an orderly transaction between market participants. In determining fair value, the Company applies the market approach, which uses prices and other relevant data based on market transactions involving identical or comparable assets and liabilities. The inputs to valuation techniques used to measure fair value are prioritized into a three-level hierarchy. The hierarchy gives the highest priority to quoted prices from sources independent of the reporting entity (“observable inputs”) and the lowest priority to prices determined by the reporting entity’s own assumptions about market participant assumptions developed based on the best information available in the circumstances (“unobservable inputs”). The fair value hierarchy is as follows: Level 1 —Valuations that are based on quoted prices (unadjusted) in active markets for identical assets or liabilities. Level 2 —Valuations that are based on observable inputs (other than Level 1 prices) such as quoted prices for similar assets or liabilities at the measurement date; quoted prices in markets that are not active; or other inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability. Level 3 —Unobservable inputs that are supported by little or no market activity. The unobservable inputs represent the Company’s best assumption of how market participants would price the assets or liabilities. The following tables present the Company’s assets and liabilities measured at fair value on a recurring basis, classified by the valuation hierarchy as of June 30, 2016 and December 31, 2015 (dollars in thousands): June 30, 2016 Fair Value Measurements Using Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Fixed Maturity Securities: U.S. Government obligations $ 5,817 $ — $ 5,817 $ — State and local government 11,467 — 11,467 — Corporate debt 34,994 — 34,994 — Commercial mortgage-backed and other asset-backed 60,191 — 60,191 — Total fixed maturity securities 112,469 — 112,469 — Equity Securities, common stock 4,443 4,443 — — Short-term investments 16,304 16,304 — — Total assets measured at fair value $ 133,216 $ 20,747 $ 112,469 $ — Liabilities: Senior debt* $ 14,750 $ — $ 14,750 $ — Total Liabilities measured at fair value $ 14,750 $ — $ 14,750 $ — * Carried at cost or amortized cost on the consolidated balance sheet December 31, 2015 Fair Value Measurements Using Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Fixed Maturity Securities: U.S. Government obligations $ 5,508 $ — $ 5,508 $ — State and local government 14,783 — 14,783 — Corporate debt 38,784 — 38,784 — Commercial mortgage-backed and other asset-backed 48,018 — 48,018 — Total fixed maturity securities 107,093 — 107,093 — Equity Securities, common stock 4,240 4,240 — — Short-term investments 6,391 6,391 — — Total assets measured at fair value $ 117,724 $ 10,631 $ 107,093 $ — Liabilities: Senior debt* $ 12,750 $ — $ 12,750 $ — Total Liabilities measured at fair value $ 12,750 $ — $ 12,750 $ — * Carried at cost or amortized cost on the consolidated balance sheet Level 1 investments consist of equity securities traded in an active exchange market. The Company uses unadjusted quoted prices for identical instruments to measure fair value. Level 1 also includes money market funds and other interest-bearing deposits at banks, which are reported as short-term investments. The fair value measurements that were based on Level 1 inputs comprise 15.6% of the fair value of the total investment portfolio as of June 30, 2016 . Level 2 investments include fixed maturity securities, which consist of U.S. government agency securities, state and local municipal bonds (including those held as restricted securities), corporate debt securities, mortgage-backed and asset-backed securities. The fair value of securities included in the Level 2 category were based on the market values obtained from a third party pricing service that were evaluated using pricing models that vary by asset class and incorporate available trade, bid and other observable market information. The third party pricing service monitors market indicators, as well as industry and economic events. The fair value measurements that were based on Level 2 inputs comprise 84.4% of the fair value of the total investment portfolio as of June 30, 2016 . The Company obtains pricing for each security from independent pricing services, investment managers or consultants to assist in determining fair value for its Level 2 investments. To validate that these quoted prices are reasonable estimates of fair value, the Company performs various quantitative and qualitative procedures, such as (i) evaluation of the underlying methodologies, (ii) analysis of recent sales activity, (iii) analytical review of our fair values against current market prices and (iv) comparison of the pricing services’ fair value to other pricing services’ fair value for the same investment. No markets for the investments were determined to be inactive at period-ends. Based on these procedures, the Company did not adjust the prices or quotes provided from independent pricing services, investment managers or consultants. The Level 2 financial instruments also include our senior debt. The fair value of borrowings under the senior debt, consisting of the revolving credit facility and term loans, approximates its carrying amount because interest is based on a short-term, variable, market-based rate. The Company’s policy on recognizing transfers between hierarchy levels is applied at the end of each reporting period. There were no transfers between Levels 1, 2 and 3 for the six months ended June 30, 2016 and 2015 , respectively.

Deferred Policy Acquisition Cos

Deferred Policy Acquisition Costs	6 Months Ended
	Jun. 30, 2016
Deferred Policy Acquisition Costs Disclosures [Abstract]
Deferred Policy Acquisition Costs	Deferred Policy Acquisition Costs The Company defers costs incurred which are incremental and directly related to the successful acquisition of new or renewal insurance business, net of corresponding amounts of ceded reinsurance commissions. Net deferred policy acquisition costs are amortized and charged to expense in proportion to premium earned over the estimated policy term. The Company anticipates that its deferred policy acquisition costs will be fully recoverable and there were no premium deficiencies for the three and six months ended June 30, 2016 and 2015 . The activity in deferred policy acquisition costs, net of reinsurance transactions, is as follows (dollars in thousands): Three Months Ended Six Months Ended 2016 2015 2016 2015 Balance at beginning of period $ 12,221 $ 6,120 $ 12,102 $ 5,679 Deferred policy acquisition costs 6,975 4,178 13,097 7,214 Amortization of policy acquisition costs (6,014 ) (2,639 ) (12,017 ) (5,234 ) Net change 961 1,539 1,080 1,980 Balance at end of period $ 13,182 $ 7,659 $ 13,182 $ 7,659

Unpaid Losses and Loss Adjustme

Unpaid Losses and Loss Adjustment Expenses	6 Months Ended
	Jun. 30, 2016
Insurance Loss Reserves [Abstract]
Unpaid Losses and Loss Adjustment Expenses	Unpaid Losses and Loss Adjustment Expenses The Company establishes reserves for unpaid losses and loss adjustment expenses ("LAE") which represent the estimated ultimate cost of all losses incurred that were both reported and unreported (i.e., incurred but not yet reported losses; or “IBNR”) and LAE incurred that remain unpaid at the balance sheet date. The Company’s reserving process takes into account known facts and interpretations of circumstances and factors including the Company’s experience with similar cases, actual claims paid, historical trends involving claim payment patterns and pending levels of unpaid claims, loss management programs, product mix and contractual terms, changes in law and regulation, judicial decisions, and economic conditions. In the normal course of business, the Company may also supplement its claims processes by utilizing third party adjusters, appraisers, engineers, inspectors, and other professionals and information sources to assess and settle catastrophe and non-catastrophe related claims. The effects of inflation are implicitly considered in the reserving process. Reserves are estimates of unpaid portions of losses that have occurred, including IBNR losses; therefore the establishment of appropriate reserves is an inherently uncertain and complex process. The ultimate cost of losses may vary materially from recorded amounts, which are based on management’s best estimates. The highest degree of uncertainty is associated with reserves for losses incurred in the current reporting period as it contains the greatest proportion of losses that have not been reported or settled. The Company regularly updates its reserve estimates as new information becomes available and as events unfold that may affect the resolution of unsettled claims. Changes in reserve estimates, which may be material, are reported in the results of operations in the period such changes are determined to be needed and recorded. Management believes that the reserve for losses and LAE, net of reinsurance recoverables, is appropriately established in the aggregate and adequate to cover the ultimate net cost of reported and unreported claims arising from losses which had occurred by the date of the consolidated financial statements based on available facts and in accordance with applicable laws and regulations. The table below provides the changes in the reserves for losses and LAE, net of reinsurance recoverables, for the periods indicated as follows (dollars in thousands): Three Months Ended Six Months Ended 2016 2015 2016 2015 Gross reserves - beginning of period $ 38,488 $ 32,987 $ 35,422 $ 31,531 Less: reinsurance recoverables on unpaid losses 5,015 4,590 5,405 3,224 Net reserves - beginning of period 33,473 28,397 30,017 28,307 Add: incurred losses and LAE, net of reinsurance: Current period 12,034 8,805 23,146 17,340 Prior period 1,507 171 3,094 206 Total net incurred losses and LAE 13,541 8,976 26,240 17,546 Deduct: loss and LAE payments, net of reinsurance: Current period 5,793 5,029 7,792 6,794 Prior period 5,279 5,009 12,523 11,724 Total net loss and LAE payments 11,072 10,038 20,315 18,518 Net reserves - end of period 35,942 27,335 35,942 27,335 Plus: reinsurance recoverables on unpaid losses 5,890 5,022 5,890 5,022 Gross reserves - end of period $ 41,832 $ 32,357 $ 41,832 $ 32,357 The Company’s incurred losses during the three and six months ended June 30, 2016 include prior-year adverse reserve development of $1.5 million and $3.1 million , respectively. In the second quarter of 2016, there was $695,000 and $613,000 of adverse development in the Florida homeowners and commercial automobile lines, respectively. For the six months ended June 30, 2016 , there was adverse development of $1.5 million from the Florida homeowners line and $1.5 million from the commercial automobile line. The Company’s incurred losses during the three and six months ended June 30, 2015 , reflect prior-year adverse reserve development of $171,000 and $206,000 , respectively. In the second quarter of 2015, there was $340,000 and $262,000 of adverse development in the commercial and personal automobile lines, respectively. This adverse development was partially offset by favorable reserve development in other lines, including $270,000 and $95,000 of favorable reserve development in the commercial multi-peril and other liability lines, respectively. For the six months ended June 30, 2015 , there was a similar result, with the adverse development being generated by the commercial and personal automobile lines of $535,000 and $331,000 , respectively. This adverse development was partially offset by favorable development in other lines, including $274,000 , $136,000 and $248,000 in the commercial multi-peril, other liability and workers' compensation lines, respectively.

Reinsurance

Reinsurance	6 Months Ended
	Jun. 30, 2016
Reinsurance Disclosures [Abstract]
Reinsurance	Reinsurance In the normal course of business, the Company seeks to minimize the loss that may arise from catastrophes or other events that cause unfavorable underwriting results by reinsuring certain levels of risk in various areas of exposure with reinsurers. The Company participates in reinsurance agreements in order to limit its loss exposure including protecting against catastrophe losses. The Company primarily ceded all specific risks in excess of $500,000 in both 2016 and 2015 . Reinsurance does not discharge the direct insurer from liability to its policyholders. Failure of reinsurers to honor their obligations could result in losses to the Company. The Company evaluates the financial condition of its reinsurers and monitors the concentration of credit risk arising from similar geographic regions, activities, or economic characteristics of the reinsurers to minimize its exposure to significant losses from reinsurer insolvencies. To date, the Company has not experienced any significant difficulties in collecting reinsurance recoverables. The Company assumes written premiums under a few fronting arrangements, most of which are net of other reinsurance arrangements. The fronting arrangements are with unaffiliated insurers who write on behalf of the Company in markets that require a higher A.M. Best rating than the Company’s rating, or where the policies are written in a state where the Company is not licensed or for other strategic reasons. Assumed premiums is comprised entirely of these arrangements other than where there are premiums assumed from Citizens Property and Casualty Corporation (“Citizens”). The following table presents the effects of such reinsurance and assumption transactions on premiums, and losses and LAE (dollars in thousands): Three Months Ended Six Months Ended 2016 2015 2016 2015 Written premiums: Direct $ 22,533 $ 21,510 $ 44,133 $ 42,629 Assumed 7,192 1,549 10,985 1,634 Ceded (3,549 ) (7,117 ) (6,892 ) (14,655 ) Net written premiums $ 26,176 $ 15,942 $ 48,226 $ 29,608 Earned premiums: Direct $ 22,574 $ 20,050 $ 44,815 $ 39,351 Assumed 2,684 2,137 3,989 3,810 Ceded (3,583 ) (7,072 ) (7,020 ) (13,553 ) Net earned premiums $ 21,675 $ 15,115 $ 41,784 $ 29,608 Losses and LAE: Direct $ 13,905 $ 10,622 $ 27,844 $ 20,544 Assumed 1,447 281 2,356 805 Ceded (1,811 ) (1,927 ) (3,960 ) (3,803 ) Net Losses and LAE $ 13,541 $ 8,976 $ 26,240 $ 17,546

Senior Debt

Senior Debt	6 Months Ended
	Jun. 30, 2016
Debt Disclosure [Abstract]
Senior Debt	Senior Debt The Company's senior debt facility ("Credit Facility") is comprised of three notes: a $17.5 million revolving line of credit ("Revolver") which was scheduled to expire on August 1, 2016 ; a $5.0 million five -year term note ("Term Note") which commenced in October 2013; and a $7.5 million five -year term note which commenced in September 2014 ("2014 Term Note"). Management is in the process of renewing the Revolver and on July 21, 2016, the expiration date was extended until October 1, 2016. A summary of the outstanding senior debt is as follows (dollars in thousands): June 30, 2016 December 31, 2015 Revolver $ 6,500 $ 3,500 Term Note 2,250 2,750 2014 Term Note 6,000 6,500 Total $ 14,750 $ 12,750 The undrawn portion of the Revolver was $11.0 million as of June 30, 2016 , and was available to finance working capital, fund other general corporate purposes and provide surplus contributions to the Company's Insurance Company Subsidiaries to support premium growth or strategic acquisitions. The Credit Facility contains various restrictive covenants that relate to the Company’s shareholders’ equity, premiums-to-capital and surplus ratios, fixed-charge coverage ratio, risk-based capital ratios, and A.M. Best ratings of its Insurance Company Subsidiaries. At June 30, 2016 , the Company was in compliance with all of its Credit Facility financial covenants.

Shareholders' Equity

Shareholders' Equity	6 Months Ended
	Jun. 30, 2016
Stockholders' Equity Note [Abstract]
Shareholders' Equity	Shareholders’ Equity On February 25, 2016, the Company's Board of Directors authorized a stock repurchase program, under which the Company may repurchase up to $2.1 million of its outstanding common stock over a one -year period. Under this program, management is authorized to repurchase shares at prevailing market prices through open market purchases, privately negotiated transactions, block purchases or otherwise in accordance with applicable federal securities laws, including Rule 10b5-1 and 10b-18 of the Securities Exchange Act of 1934, as amended. The actual timing, number and value of shares repurchased under the program will be determined by management in its discretion and will depend on a number of factors, including the market price of the Company’s stock, general market conditions, and other factors. Repurchases may be made from time to time, without prior notice. The Company may suspend or discontinue the program at any time. As of June 30, 2016 , the Company had repurchased and retired 66,663 shares of stock valued at approximately $451,000 .

Other Comprehensive Income (Los

Other Comprehensive Income (Loss)	6 Months Ended
	Jun. 30, 2016
Equity [Abstract]
Other Comprehensive Income (Loss)	Other Comprehensive Income (Loss) The following table presents changes in accumulated other comprehensive income (loss) for unrealized gains and losses on available-for-sale securities (dollars in thousands): Three Months Ended Six Months Ended 2016 2015 2016 2015 Balance at beginning of period $ 1,724 $ 1,644 $ 182 $ 1,158 Other comprehensive income before reclassifications (308 ) (977 ) 1,151 (274 ) Less: amounts reclassified from accumulated other comprehensive income (loss) (88 ) 208 (171 ) 425 Net current period other comprehensive income (loss) (220 ) (1,185 ) 1,322 (699 ) Balance at end of period $ 1,504 $ 459 $ 1,504 $ 459

Earnings Per Share

Earnings Per Share	6 Months Ended
	Jun. 30, 2016
Earnings Per Share [Abstract]
Earnings Per Share	Earnings Per Share Basic and diluted earnings (loss) per share are computed by dividing net income allocable to common shareholders by the weighted average number of common shares outstanding during the period. The dividends on preferred stock and other gains are deducted from the net income to arrive at net income allocable to common shareholders. In the period of a net loss, the dividends on preferred stock are added to the net loss to arrive at net loss allocable to common shareholders. The following table presents the calculation of basic and diluted earnings (loss) per common share, as follows (dollars in thousands, except per share amounts): Three Months Ended Six Months Ended 2016 2015 2016 2015 Net income (loss) attributable to Conifer $ (513 ) $ 579 $ (2,541 ) $ 1,042 Preferred stock dividends — 151 — 303 Paid-in-kind dividends — 62 — 123 Net income (loss) allocable to common shareholders $ (513 ) $ 366 $ (2,541 ) $ 616 Weighted average common shares, basic and diluted* 7,594,862 4,050,042 7,616,821 4,045,482 Earnings (loss) per share allocable to common, basic and diluted $ (0.07 ) $ 0.09 $ (0.33 ) $ 0.15 * The nonvested shares of the restricted stock units were anti-dilutive as of June 30, 2016 . Therefore, the basic and diluted weighted average common shares are equal for the three and six months ended June 30, 2016 .

Stock-based Compensation

Stock-based Compensation	6 Months Ended
	Jun. 30, 2016
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Stock-based Compensation	Stock-based Compensation In 2015, the Company issued 390,352 restricted stock units (“RSU”) to executive officers and other employees to be settled in shares of common stock. The total RSUs were valued at $4.1 million on the date of grant. The Company recorded $204,000 and $409,000 of compensation expense related to the RSUs for the three and six months ended June 30, 2016 , respectively. The total compensation cost related to the non-vested portion of the restricted stock units which has not been recognized as of June 30, 2016 was $3.4 million .

Commitments and Contingencies

Commitments and Contingencies	6 Months Ended
	Jun. 30, 2016
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies Legal proceedings The Company and its subsidiaries are subject at times to various claims, lawsuits and proceedings relating principally to alleged errors or omissions in the placement of insurance, claims administration, and other business transactions arising in the ordinary course of business. Where appropriate, the Company vigorously defends such claims, lawsuits and proceedings. Some of these claims, lawsuits and proceedings seek damages, including consequential, exemplary or punitive damages, in amounts that could, if awarded, be significant. Most of the claims, lawsuits and proceedings arising in the ordinary course of business are covered by the insurance policy at issue. On the basis of current information, the Company does not believe that there is a reasonable possibility that any material loss exceeding amounts already accrued, if any, will result from any of the claims, lawsuits and proceedings to which the Company is subject, either individually, or in the aggregate.

Segment Information

Segment Information	6 Months Ended
	Jun. 30, 2016
Segment Reporting [Abstract]
Segment Information	Segment Information The Company is engaged in the sale of property and casualty insurance products and has organized its principal operations into two types of insurance businesses: commercial lines and personal lines. Within these two insurance businesses, the Company offers various insurance products. Such insurance businesses are engaged in underwriting and marketing insurance coverages, and administering claims processing for such policies. The Company defines its operating segments as components of the business where separate financial information is available and used by the chief operating decision maker in deciding how to allocate resources to its segments and in assessing its performance. In assessing performance of its operating segments, the Company’s chief operating decision maker, the Chief Executive Officer, reviews a number of financial measures including gross written premiums, net earned premiums, losses and LAE, net of reinsurance recoveries. The primary measure used for making decisions about resources to be allocated to an operating segment and assessing performance is segment underwriting gain or loss which is defined as segment revenues, consisting of net earned premiums and other income, less segment expenses, consisting of losses and LAE, policy acquisition costs and other underwriting and operating expenses of the operating segments. Other underwriting and operating expenses primarily include compensation and related benefits for underwriting personnel, licensing of policy issuance and claims systems, rent and utilities. The Company markets, distributes and sells its insurance products through its own insurance agencies and a network of independent agents. All of the Company’s insurance activities are conducted in the United States with a concentration of activity in Florida, Michigan, Pennsylvania and Texas. For the six months ended June 30, 2016 and 2015 , gross written premiums attributable to these four states were 70% and 69% , respectively, of the Company’s total gross written premiums. In addition to the reportable segments, the Company maintains a Corporate and Other category to reconcile segment results to the consolidated totals. The Corporate and Other category includes: (i) corporate operating expenses such as salaries and related benefits of the Company’s executive management team and finance and information technology personnel, and other corporate headquarters expenses, (ii) interest expense on the Company’s senior debt obligations; (iii) depreciation and amortization on property and equipment, and (iv) all investment income activity. All investment income activity is reported within net investment income and net realized investment gains on the consolidated statements of operations. The Company’s assets on the consolidated balance sheet are not allocated to the reportable segments. The Company redefined its operating segments during the quarter ended June 30, 2016 and recast the segment information for the three and six months ended June 30, 2016 in a manner consistent with the new operational management structure. The segment information for the three and six months ended June 30, 2015, has also been recast to be consistent with the new format. The following tables present information by reportable segment (dollars in thousands): Three Months Ended June 30, 2016 Commercial Lines Personal Lines Corporate & Other Total Gross written premiums $ 22,821 $ 6,904 $ — $ 29,725 Net written premiums $ 20,548 $ 5,628 $ — $ 26,176 Net earned premiums $ 16,484 $ 5,191 $ — $ 21,675 Other income 83 187 13 283 Segment revenue 16,567 5,378 13 21,958 Losses and loss adjustment expenses, net 9,344 4,197 — 13,541 Policy acquisition costs 4,366 1,648 — 6,014 Operating expenses 1,610 766 2,160 4,536 Segment expenses 15,320 6,611 2,160 24,091 Segment underwriting gain (loss) $ 1,247 $ (1,233 ) $ (2,147 ) $ (2,133 ) Investment income 528 528 Net realized investment gains (losses) 541 541 Interest expense (143 ) (143 ) Income (loss) before equity earnings of affiliates and income taxes $ (1,221 ) $ (1,207 ) Three Months Ended June 30, 2015 Commercial Lines Personal Lines Corporate & Other Total Gross written premiums $ 18,326 $ 4,733 $ — $ 23,059 Net written premiums $ 12,524 $ 3,418 $ — $ 15,942 Net earned premiums $ 10,670 $ 4,445 $ — $ 15,115 Other income 325 108 47 480 Segment revenue 10,995 4,553 47 15,595 Losses and loss adjustment expenses, net 5,477 3,499 — 8,976 Policy acquisition costs 1,917 722 — 2,639 Operating expenses 1,211 210 2,198 3,619 Segment expenses 8,605 4,431 2,198 15,234 Segment underwriting gain (loss) $ 2,390 $ 122 $ (2,151 ) $ 361 Investment income 469 469 Net realized investment gains (losses) 87 87 Interest expense (239 ) (239 ) Income (loss) before equity earnings of affiliates and income taxes $ (1,834 ) $ 678 Six Months Ended June 30, 2016 Commercial Lines Personal Lines Corporate & Other Total Gross written premiums $ 41,965 $ 13,153 $ — $ 55,118 Net written premiums $ 37,536 $ 10,690 $ — $ 48,226 Net earned premiums $ 31,763 $ 10,021 $ — $ 41,784 Other income 182 318 28 528 Segment revenue 31,945 10,339 28 42,312 Losses and loss adjustment expenses, net 17,980 8,260 — 26,240 Policy acquisition costs 8,752 3,265 — 12,017 Operating expenses 3,344 1,435 3,896 8,675 Segment expenses 30,076 12,960 3,896 46,932 Segment underwriting gain (loss) $ 1,869 $ (2,621 ) $ (3,868 ) $ (4,620 ) Investment income 1,065 1,065 Net realized investment gains (losses) 533 533 Interest expense (300 ) (300 ) Income (loss) before equity earnings of affiliates and income taxes $ (2,570 ) $ (3,322 ) Six Months Ended June 30, 2015 Commercial Lines Personal Lines Corporate & Other Total Gross written premiums $ 34,068 $ 10,195 $ — $ 44,263 Net written premiums $ 22,378 $ 7,230 $ — $ 29,608 Net earned premiums $ 20,158 $ 9,450 $ — $ 29,608 Other income 674 236 59 969 Segment revenue 20,832 9,686 59 30,577 Losses and loss adjustment expenses, net 10,794 6,752 — 17,546 Policy acquisition costs 3,655 1,579 — 5,234 Operating expenses 2,683 623 4,005 7,311 Segment expenses 17,132 8,954 4,005 30,091 Segment underwriting gain (loss) $ 3,700 $ 732 $ (3,946 ) $ 486 Investment income 955 955 Net realized investment gains (losses) 232 232 Interest expense (483 ) (483 ) Income (loss) before equity earnings of affiliates and income taxes $ (3,242 ) $ 1,190 The Company discontinued offering non-standard personal automobile policies in the first half of 2015, but will continue to pay claims and perform other administrative services as needed until the run-off of the claims on such policies is complete. No premiums were written or earned in the non-standard personal automobile line in 2016. The decision to stop writing non-standard personal automobile policies was the result of the Company’s change in strategic positioning and its desire to increase its personal homeowners product line and pursue existing commercial line opportunities.

Summary of Significant Accoun21

Summary of Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2016
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The consolidated financial statements include accounts, after elimination of intercompany accounts and transactions, of Conifer Holdings, Inc. (the “Company” or “Conifer”), its wholly owned subsidiaries Conifer Insurance Company ("CIC"), White Pine Insurance Company ("WPIC"), Red Cedar Insurance Company ("RCIC"), American Colonial Insurance Company ("ACIC"), American Colonial Insurance Services ("ACIS") and Sycamore Insurance Agency, Inc ("SIA"). CIC, WPIC, RCIC and ACIC are collectively referred to as the "Insurance Company Subsidiaries." On a stand-alone basis Conifer Holdings, Inc. is referred to as the "Parent Company." The accompanying consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States (“GAAP”), which differ from statutory accounting practices prescribed or permitted for insurance companies by regulatory authorities. The Company has applied the applicable rules and regulations of the United States Securities and Exchange Commission (“SEC”) regarding interim financial reporting and therefore the consolidated financial statements do not include all of the information and notes required by GAAP for annual financial statements. In the opinion of management, all adjustments, consisting of items of a normal recurring nature, necessary for a fair presentation of the consolidated interim financial statements, have been included. The results of operations for the six months ended June 30, 2016 , are not necessarily indicative of the results expected for the year ended December 31, 2016 . These consolidated financial statements and the notes thereto should be read in conjunction with the Company's audited consolidated financial statements and related notes included in its Annual Report on Form 10-K for the year ended December 31, 2015 , as filed with the SEC on March 15, 2016 ("2015 Audited Financial Statements").
Principles of Consolidation	Principles of Consolidation Prior to September 30, 2015, the consolidated financial statements included the accounts of Conifer Holdings, Inc. and its wholly owned subsidiaries, as well as a 50% -owned affiliate (the “Affiliate”) which the Company controlled due to its majority representation on the entity’s board of directors. Noncontrolling interest in a consolidated subsidiary in the consolidated balance sheets represents the noncontrolling shareholder’s proportionate share of the entity’s equity. Consolidated net income or loss is allocated to the Company and noncontrolling interest in proportion to their percentage ownership interests. As of September 30, 2015, the Company no longer controlled the Affiliate but retained significant influence. As a result the entity was deconsolidated from the consolidated financial statements and recognized as an investment in an affiliate utilizing the equity method of accounting. All intercompany transactions and accounts were eliminated.
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. While management believes the amounts included in the consolidated financial statements reflect management's best estimates and assumptions, actual results may differ from these estimates.
Recently Issued Accounting Guidance	Recently Issued Accounting Guidance In May 2015, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2015-09, Disclosures about Short-Duration Contracts (Topic 944) , which enhances disclosure requirements for insurance entities with short-duration insurance contracts. The enhanced disclosures under the new guidance will be provided by the Company for the year ended December 31, 2016, as required. In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities. The amendments in this update modify the requirements related to the measurement of certain financial instruments in the statement of financial condition and results of operation. For equity investments (other than investments accounted for using the equity method), entities must measure such instruments at fair value with changes in fair value recognized in net income. Reporting entities may continue to elect to measure equity investments which do not have a readily determinable fair value at cost with adjustments for impairment and observable changes in price. In addition, for a liability (other than a derivative liability) that an entity measures at fair value, any change in fair value related to the instrument-specific credit risk, that is the entity’s own-credit, should be presented separately in other comprehensive income and not as a component of net income. The amendments are effective for the Company on January 1, 2018, with early adoption permitted solely for the instrument-instrument specific credit risk for liabilities measured at fair value. The amendments must be applied on a modified retrospective basis with a cumulative effect adjustment as of the beginning of the fiscal year of initial adoption. Management is currently evaluating the impact of the guidance. In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842), which addresses the financial reporting of leasing transactions. This update will require the recognition of a right-of-use asset and a corresponding lease liability, discounted to the present value, for all leases that extend beyond 12 months. For operating leases, the asset and liability will be expensed over the lease term on a straight-line basis, with all cash flows included in the operating section of the consolidated statement of cash flows. For finance leases, interest on the lease liability will be recognized separately from the amortization of the right-of-use asset in the consolidated statement of operations and the repayment of the principal portion of the lease liability will be classified as a financing activity while the interest component will be included in the operating section of the consolidated statement of cash flows. This ASU is effective for annual and interim reporting periods beginning after December 15, 2018. Early adoption is permitted. We have not yet completed the analysis of how adopting this guidance will affect our financial statements. In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments - Credit Losses (Topic 326), which amends the current methodology and timing for recognizing credit losses. This amendment will replace the current GAAP "incurred loss" methodology for credit losses with a methodology based on expected credit losses. The new guidance will also require expanded consideration of a broader range of reasonable and increased supportable information for the credit loss estimates. This ASU is effective for annual and interim reporting periods beginning after December 15, 2019. Early adoption is permitted for years beginning after December 15, 2018. We have not yet completed the analysis of how adopting this guidance will affect our financial statements.

Investments (Tables)

Investments (Tables)	6 Months Ended
	Jun. 30, 2016
Investments, Debt and Equity Securities [Abstract]
Schedule of Available-for-sale Securities	The cost or amortized cost, gross unrealized gain or loss, and estimated fair value of the investments in securities classified as available-for-sale at June 30, 2016 and December 31, 2015 were as follows (dollars in thousands): June 30, 2016 Cost or Amortized Cost Gross Unrealized Estimated Fair Value Gains Losses Fixed Maturity Securities: U.S. Government obligations $ 5,737 $ 80 $ — $ 5,817 State and local government 10,917 551 (1 ) 11,467 Corporate debt 34,574 479 (59 ) 34,994 Commercial mortgage-backed and other asset-backed 59,591 614 (14 ) 60,191 Total fixed maturity securities available for sale 110,819 1,724 (74 ) 112,469 Equity Securities: Common stocks - Public Utilities 220 64 (2 ) 282 Common stocks - Banks, Trusts and Insurance Companies 458 151 (3 ) 606 Common stocks - Industrial, miscellaneous and all other 2,643 942 (30 ) 3,555 Total equity securities available for sale 3,321 1,157 (35 ) 4,443 Total securities available for sale $ 114,140 $ 2,881 $ (109 ) $ 116,912 December 31, 2015 Cost or Amortized Cost Gross Unrealized Estimated Fair Value Gains Losses Fixed Maturity Securities: U.S. Government obligations $ 5,474 $ 47 $ (13 ) $ 5,508 State and local government 14,391 398 (6 ) 14,783 Corporate debt 39,183 84 (483 ) 38,784 Commercial mortgage-backed and other asset-backed 48,165 164 (311 ) 48,018 Total fixed maturity securities available for sale 107,213 693 (813 ) 107,093 Equity Securities: Common stocks - Public Utilities 122 20 (1 ) 141 Common stocks - Banks, Trusts and Insurance Companies 503 150 (7 ) 646 Common stocks - Industrial, miscellaneous and all other 2,716 836 (99 ) 3,453 Total equity securities available for sale 3,341 1,006 (107 ) 4,240 Total securities available for sale $ 110,554 $ 1,699 $ (920 ) $ 111,333
Schedule of Unrealized Loss Positions	The following table summarizes the aggregate fair value and gross unrealized losses, by security type, of the available-for-sale securities in unrealized loss positions. The table segregates the holdings based on the length of time that individual securities have been in a continuous unrealized loss position, as follows (dollars in thousands): June 30, 2016 Less than 12 months Greater than 12 months Total # of Issues Fair Value of Investments with Unrealized Losses Gross Un realized Losses # of Issues Fair Value of Investments with Unrealized Losses Gross Un realized Losses # of Issues Fair Value of Investments with Unrealized Losses Gross Un realized Losses Fixed Maturity Securities: U.S. Government obligations — $ — $ — — $ — $ — — $ — $ — State and local government 1 118 (1 ) — — — 1 118 (1 ) Corporate debt 7 3,104 (17 ) 15 5,127 (42 ) 22 8,231 (59 ) Commercial mortgage and asset-backed 14 8,779 (11 ) 5 1,324 (3 ) 19 10,103 (14 ) Total fixed maturity securities available for sale 22 12,001 (29 ) 20 6,451 (45 ) 42 18,452 (74 ) Equity Securities: Common stock 47 457 (22 ) 4 133 (13 ) 51 590 (35 ) Total equity securities available for sale 47 457 (22 ) 4 133 (13 ) 51 590 (35 ) Total securities 69 $ 12,458 $ (51 ) 24 $ 6,584 $ (58 ) 93 $ 19,042 $ (109 ) December 31, 2015 Less than 12 months Greater than 12 months Total # of Issues Fair Value of Investments with Unrealized Losses Gross Un realized Losses # of Issues Fair Value of Investments with Unrealized Losses Gross Un realized Losses # of Issues Fair Value of Investments with Unrealized Losses Gross Un realized Losses Fixed Maturity Securities: U.S. Government obligations 7 $ 2,580 $ (7 ) 2 $ 679 $ (6 ) 9 $ 3,259 $ (13 ) State and local government 8 2,688 (6 ) — — — 8 2,688 (6 ) Corporate debt 80 21,760 (438 ) 12 3,618 (45 ) 92 25,378 (483 ) Commercial mortgage and asset-backed 67 32,539 (258 ) 5 2,175 (53 ) 72 34,714 (311 ) Total fixed maturity securities available for sale 162 59,567 (709 ) 19 6,472 (104 ) 181 66,039 (813 ) Equity Securities: Common stock 86 782 (72 ) 3 79 (35 ) 89 861 (107 ) Total equity securities available for sale 86 782 (72 ) 3 79 (35 ) 89 861 (107 ) Total securities 248 $ 60,349 $ (781 ) 22 $ 6,551 $ (139 ) 270 $ 66,900 $ (920 )
Schedule of Investment Income	The Company’s sources of net investment income are as follows (dollars in thousands): Three Months Ended June 30, Six Months Ended June 30, 2016 2015 2016 2015 Fixed maturity securities $ 570 $ 532 $ 1,156 $ 1,063 Equity securities 25 22 51 45 Cash and short-term investments 5 2 7 4 Total investment income 600 556 1,214 1,112 Investment expenses (72 ) (87 ) (149 ) (157 ) Net investment income $ 528 $ 469 $ 1,065 $ 955
Schedule of Gross Realized Gains and Losses on Securities	The following table summarizes the gross realized gains and losses from sales or maturities of available-for-sale fixed maturity and equity securities (dollars in thousands): Three Months Ended June 30, Six Months Ended June 30, 2016 2015 2016 2015 Fixed maturity securities: Gross realized gains $ 502 $ — $ 518 $ 68 Gross realized losses (16 ) (1 ) (22 ) (4 ) Total fixed maturity securities 486 (1 ) 496 64 Equity securities: Gross realized gains 94 104 150 203 Gross realized losses (39 ) (16 ) (113 ) (35 ) Total equity securities 55 88 37 168 Total realized gains (losses) $ 541 $ 87 $ 533 $ 232
Summary of Amortized Cost and Fair Value of Securities	The table below summarizes the amortized cost and fair value of available-for-sale fixed maturity securities by contractual maturity at June 30, 2016 . Actual maturities may differ from contractual maturities because certain borrowers have the right to call or prepay obligations with or without call or prepayment penalties (dollars in thousands): Amortized Cost Estimated Fair Value Due in one year or less $ 7,779 $ 7,784 Due after one year through five years 30,636 31,052 Due after five years through ten years 6,529 6,941 Due after ten years 6,284 6,501 Securities with contractual maturities 51,228 52,278 Commercial mortgage and asset backed 59,591 60,191 Total Fixed maturity securities $ 110,819 $ 112,469

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2016
Fair Value Disclosures [Abstract]
Summary of Assets and Liabilities Measured at Fair Value	The following tables present the Company’s assets and liabilities measured at fair value on a recurring basis, classified by the valuation hierarchy as of June 30, 2016 and December 31, 2015 (dollars in thousands): June 30, 2016 Fair Value Measurements Using Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Fixed Maturity Securities: U.S. Government obligations $ 5,817 $ — $ 5,817 $ — State and local government 11,467 — 11,467 — Corporate debt 34,994 — 34,994 — Commercial mortgage-backed and other asset-backed 60,191 — 60,191 — Total fixed maturity securities 112,469 — 112,469 — Equity Securities, common stock 4,443 4,443 — — Short-term investments 16,304 16,304 — — Total assets measured at fair value $ 133,216 $ 20,747 $ 112,469 $ — Liabilities: Senior debt* $ 14,750 $ — $ 14,750 $ — Total Liabilities measured at fair value $ 14,750 $ — $ 14,750 $ — * Carried at cost or amortized cost on the consolidated balance sheet December 31, 2015 Fair Value Measurements Using Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Fixed Maturity Securities: U.S. Government obligations $ 5,508 $ — $ 5,508 $ — State and local government 14,783 — 14,783 — Corporate debt 38,784 — 38,784 — Commercial mortgage-backed and other asset-backed 48,018 — 48,018 — Total fixed maturity securities 107,093 — 107,093 — Equity Securities, common stock 4,240 4,240 — — Short-term investments 6,391 6,391 — — Total assets measured at fair value $ 117,724 $ 10,631 $ 107,093 $ — Liabilities: Senior debt* $ 12,750 $ — $ 12,750 $ — Total Liabilities measured at fair value $ 12,750 $ — $ 12,750 $ — * Carried at cost or amortized cost on the consolidated balance sheet

Deferred Policy Acquisition C24

Deferred Policy Acquisition Costs (Tables)	6 Months Ended
	Jun. 30, 2016
Deferred Policy Acquisition Costs Disclosures [Abstract]
Summary of Deferred Policy Acquisition Costs	The activity in deferred policy acquisition costs, net of reinsurance transactions, is as follows (dollars in thousands): Three Months Ended Six Months Ended 2016 2015 2016 2015 Balance at beginning of period $ 12,221 $ 6,120 $ 12,102 $ 5,679 Deferred policy acquisition costs 6,975 4,178 13,097 7,214 Amortization of policy acquisition costs (6,014 ) (2,639 ) (12,017 ) (5,234 ) Net change 961 1,539 1,080 1,980 Balance at end of period $ 13,182 $ 7,659 $ 13,182 $ 7,659

Unpaid Losses and Loss Adjust25

Unpaid Losses and Loss Adjustment Expenses (Tables)	6 Months Ended
	Jun. 30, 2016
Insurance Loss Reserves [Abstract]
Schedule of the Changes in the Reserves for Losses and Loss Adjustment Expense	The table below provides the changes in the reserves for losses and LAE, net of reinsurance recoverables, for the periods indicated as follows (dollars in thousands): Three Months Ended Six Months Ended 2016 2015 2016 2015 Gross reserves - beginning of period $ 38,488 $ 32,987 $ 35,422 $ 31,531 Less: reinsurance recoverables on unpaid losses 5,015 4,590 5,405 3,224 Net reserves - beginning of period 33,473 28,397 30,017 28,307 Add: incurred losses and LAE, net of reinsurance: Current period 12,034 8,805 23,146 17,340 Prior period 1,507 171 3,094 206 Total net incurred losses and LAE 13,541 8,976 26,240 17,546 Deduct: loss and LAE payments, net of reinsurance: Current period 5,793 5,029 7,792 6,794 Prior period 5,279 5,009 12,523 11,724 Total net loss and LAE payments 11,072 10,038 20,315 18,518 Net reserves - end of period 35,942 27,335 35,942 27,335 Plus: reinsurance recoverables on unpaid losses 5,890 5,022 5,890 5,022 Gross reserves - end of period $ 41,832 $ 32,357 $ 41,832 $ 32,357

Reinsurance (Tables)

Reinsurance (Tables)	6 Months Ended
	Jun. 30, 2016
Reinsurance Disclosures [Abstract]
Summary of the Effects of Reinsurance	The following table presents the effects of such reinsurance and assumption transactions on premiums, and losses and LAE (dollars in thousands): Three Months Ended Six Months Ended 2016 2015 2016 2015 Written premiums: Direct $ 22,533 $ 21,510 $ 44,133 $ 42,629 Assumed 7,192 1,549 10,985 1,634 Ceded (3,549 ) (7,117 ) (6,892 ) (14,655 ) Net written premiums $ 26,176 $ 15,942 $ 48,226 $ 29,608 Earned premiums: Direct $ 22,574 $ 20,050 $ 44,815 $ 39,351 Assumed 2,684 2,137 3,989 3,810 Ceded (3,583 ) (7,072 ) (7,020 ) (13,553 ) Net earned premiums $ 21,675 $ 15,115 $ 41,784 $ 29,608 Losses and LAE: Direct $ 13,905 $ 10,622 $ 27,844 $ 20,544 Assumed 1,447 281 2,356 805 Ceded (1,811 ) (1,927 ) (3,960 ) (3,803 ) Net Losses and LAE $ 13,541 $ 8,976 $ 26,240 $ 17,546

Senior Debt (Tables)

Senior Debt (Tables)	6 Months Ended
	Jun. 30, 2016
Debt Disclosure [Abstract]
Schedule of Outstanding Senior Debt	A summary of the outstanding senior debt is as follows (dollars in thousands): June 30, 2016 December 31, 2015 Revolver $ 6,500 $ 3,500 Term Note 2,250 2,750 2014 Term Note 6,000 6,500 Total $ 14,750 $ 12,750

Other Comprehensive Income (L28

Other Comprehensive Income (Loss) (Tables)	6 Months Ended
	Jun. 30, 2016
Equity [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	The following table presents changes in accumulated other comprehensive income (loss) for unrealized gains and losses on available-for-sale securities (dollars in thousands): Three Months Ended Six Months Ended 2016 2015 2016 2015 Balance at beginning of period $ 1,724 $ 1,644 $ 182 $ 1,158 Other comprehensive income before reclassifications (308 ) (977 ) 1,151 (274 ) Less: amounts reclassified from accumulated other comprehensive income (loss) (88 ) 208 (171 ) 425 Net current period other comprehensive income (loss) (220 ) (1,185 ) 1,322 (699 ) Balance at end of period $ 1,504 $ 459 $ 1,504 $ 459

Earnings Per Share (Tables)

Earnings Per Share (Tables)	6 Months Ended
	Jun. 30, 2016
Earnings Per Share [Abstract]
Schedule of Earnings Per Share	The following table presents the calculation of basic and diluted earnings (loss) per common share, as follows (dollars in thousands, except per share amounts): Three Months Ended Six Months Ended 2016 2015 2016 2015 Net income (loss) attributable to Conifer $ (513 ) $ 579 $ (2,541 ) $ 1,042 Preferred stock dividends — 151 — 303 Paid-in-kind dividends — 62 — 123 Net income (loss) allocable to common shareholders $ (513 ) $ 366 $ (2,541 ) $ 616 Weighted average common shares, basic and diluted* 7,594,862 4,050,042 7,616,821 4,045,482 Earnings (loss) per share allocable to common, basic and diluted $ (0.07 ) $ 0.09 $ (0.33 ) $ 0.15 * The nonvested shares of the restricted stock units were anti-dilutive as of June 30, 2016 . Therefore, the basic and diluted weighted average common shares are equal for the three and six months ended June 30, 2016 .

Segment Information (Tables)

Segment Information (Tables)	6 Months Ended
	Jun. 30, 2016
Segment Reporting [Abstract]
Schedule of Segment Reporting Information	The following tables present information by reportable segment (dollars in thousands): Three Months Ended June 30, 2016 Commercial Lines Personal Lines Corporate & Other Total Gross written premiums $ 22,821 $ 6,904 $ — $ 29,725 Net written premiums $ 20,548 $ 5,628 $ — $ 26,176 Net earned premiums $ 16,484 $ 5,191 $ — $ 21,675 Other income 83 187 13 283 Segment revenue 16,567 5,378 13 21,958 Losses and loss adjustment expenses, net 9,344 4,197 — 13,541 Policy acquisition costs 4,366 1,648 — 6,014 Operating expenses 1,610 766 2,160 4,536 Segment expenses 15,320 6,611 2,160 24,091 Segment underwriting gain (loss) $ 1,247 $ (1,233 ) $ (2,147 ) $ (2,133 ) Investment income 528 528 Net realized investment gains (losses) 541 541 Interest expense (143 ) (143 ) Income (loss) before equity earnings of affiliates and income taxes $ (1,221 ) $ (1,207 ) Three Months Ended June 30, 2015 Commercial Lines Personal Lines Corporate & Other Total Gross written premiums $ 18,326 $ 4,733 $ — $ 23,059 Net written premiums $ 12,524 $ 3,418 $ — $ 15,942 Net earned premiums $ 10,670 $ 4,445 $ — $ 15,115 Other income 325 108 47 480 Segment revenue 10,995 4,553 47 15,595 Losses and loss adjustment expenses, net 5,477 3,499 — 8,976 Policy acquisition costs 1,917 722 — 2,639 Operating expenses 1,211 210 2,198 3,619 Segment expenses 8,605 4,431 2,198 15,234 Segment underwriting gain (loss) $ 2,390 $ 122 $ (2,151 ) $ 361 Investment income 469 469 Net realized investment gains (losses) 87 87 Interest expense (239 ) (239 ) Income (loss) before equity earnings of affiliates and income taxes $ (1,834 ) $ 678 Six Months Ended June 30, 2016 Commercial Lines Personal Lines Corporate & Other Total Gross written premiums $ 41,965 $ 13,153 $ — $ 55,118 Net written premiums $ 37,536 $ 10,690 $ — $ 48,226 Net earned premiums $ 31,763 $ 10,021 $ — $ 41,784 Other income 182 318 28 528 Segment revenue 31,945 10,339 28 42,312 Losses and loss adjustment expenses, net 17,980 8,260 — 26,240 Policy acquisition costs 8,752 3,265 — 12,017 Operating expenses 3,344 1,435 3,896 8,675 Segment expenses 30,076 12,960 3,896 46,932 Segment underwriting gain (loss) $ 1,869 $ (2,621 ) $ (3,868 ) $ (4,620 ) Investment income 1,065 1,065 Net realized investment gains (losses) 533 533 Interest expense (300 ) (300 ) Income (loss) before equity earnings of affiliates and income taxes $ (2,570 ) $ (3,322 ) Six Months Ended June 30, 2015 Commercial Lines Personal Lines Corporate & Other Total Gross written premiums $ 34,068 $ 10,195 $ — $ 44,263 Net written premiums $ 22,378 $ 7,230 $ — $ 29,608 Net earned premiums $ 20,158 $ 9,450 $ — $ 29,608 Other income 674 236 59 969 Segment revenue 20,832 9,686 59 30,577 Losses and loss adjustment expenses, net 10,794 6,752 — 17,546 Policy acquisition costs 3,655 1,579 — 5,234 Operating expenses 2,683 623 4,005 7,311 Segment expenses 17,132 8,954 4,005 30,091 Segment underwriting gain (loss) $ 3,700 $ 732 $ (3,946 ) $ 486 Investment income 955 955 Net realized investment gains (losses) 232 232 Interest expense (483 ) (483 ) Income (loss) before equity earnings of affiliates and income taxes $ (3,242 ) $ 1,190

Summary of Significant Accoun31

Summary of Significant Accounting Policies - Narrative (Details)	Jul. 22, 2015	Aug. 31, 2015$ / sharesshares	Jun. 30, 2016statebusiness	Sep. 29, 2015
Class of Stock [Line Items]
Number of operating segments | business			2
Number of states in which entity operates | state			50
Stock split conversion ratio	10.2
Ownership percentage				50.00%
IPO
Class of Stock [Line Items]
Stock issued during period (shares)		3,300,000
Price per share (in dollars per share) | $ / shares		$ 10.50
IPO | Chief Executive Officer
Class of Stock [Line Items]
Stock issued during period (shares)		100,000

Investments - Narrative (Detail

Investments - Narrative (Details) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Dec. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Proceeds from sale of available for sale securities	$ 21.5	$ 3.9
Deposits held in trust accounts	$ 9		$ 8.9

Investments - Available-for-sal

Investments - Available-for-sale Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]
Fixed maturity securities, amortized cost	$ 110,819	$ 107,213
Fixed maturity securities, gross unrealized gain	1,724	693
Fixed maturity securities, gross unrealized loss	(74)	(813)
Fixed maturity securities, Estimated Fair Value	112,469	107,093
Equity securities, amortized cost	3,321	3,341
Equity securities, gross unrealized gain	1,157	1,006
Equity securities, gross unrealized loss	(35)	(107)
Equity securities, Estimated Fair Value	4,443	4,240
Securities, cost or amortized cost	114,140	110,554
Securities, gross unrealized gain	2,881	1,699
Securities, gross unrealized loss	(109)	(920)
Securities, Estimated Fair Value	116,912	111,333
U.S. Government obligations
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]
Fixed maturity securities, amortized cost	5,737	5,474
Fixed maturity securities, gross unrealized gain	80	47
Fixed maturity securities, gross unrealized loss	0	(13)
Fixed maturity securities, Estimated Fair Value	5,817	5,508
State and local government
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]
Fixed maturity securities, amortized cost	10,917	14,391
Fixed maturity securities, gross unrealized gain	551	398
Fixed maturity securities, gross unrealized loss	(1)	(6)
Fixed maturity securities, Estimated Fair Value	11,467	14,783
Corporate debt
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]
Fixed maturity securities, amortized cost	34,574	39,183
Fixed maturity securities, gross unrealized gain	479	84
Fixed maturity securities, gross unrealized loss	(59)	(483)
Fixed maturity securities, Estimated Fair Value	34,994	38,784
Commercial mortgage-backed and other asset-backed
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]
Fixed maturity securities, amortized cost	59,591	48,165
Fixed maturity securities, gross unrealized gain	614	164
Fixed maturity securities, gross unrealized loss	(14)	(311)
Fixed maturity securities, Estimated Fair Value	60,191	48,018
Common stocks - Public Utilities
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]
Equity securities, amortized cost	220	122
Equity securities, gross unrealized gain	64	20
Equity securities, gross unrealized loss	(2)	(1)
Equity securities, Estimated Fair Value	282	141
Common stocks - Banks, Trusts and Insurance Companies
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]
Equity securities, amortized cost	458	503
Equity securities, gross unrealized gain	151	150
Equity securities, gross unrealized loss	(3)	(7)
Equity securities, Estimated Fair Value	606	646
Common stocks - Industrial, miscellaneous and all other
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]
Equity securities, amortized cost	2,643	2,716
Equity securities, gross unrealized gain	942	836
Equity securities, gross unrealized loss	(30)	(99)
Equity securities, Estimated Fair Value	$ 3,555	$ 3,453

Investments - Available-for-s34

Investments - Available-for-sale Securities in Unrealized Loss Positions (Details) $ in Thousands	Jun. 30, 2016USD ($)security	Dec. 31, 2015USD ($)security
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Less than 12 months, number of issues | security	69	248
Greater than 12 months, number of issues | security	24	22
Number of Issues | security	93	270
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, fair value	$ 12,458	$ 60,349
Greater than 12 months, fair value	6,584	6,551
Fair Value	19,042	66,900
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract]
Less than 12 months, unrealized losses	(51)	(781)
Greater than 12 months, unrealized losses	(58)	(139)
Unrealized losses	$ (109)	$ (920)
Total fixed maturity securities available for sale
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Less than 12 months, number of issues | security	22	162
Greater than 12 months, number of issues | security	20	19
Number of Issues | security	42	181
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, fair value	$ 12,001	$ 59,567
Greater than 12 months, fair value	6,451	6,472
Fair Value	18,452	66,039
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract]
Less than 12 months, unrealized losses	(29)	(709)
Greater than 12 months, unrealized losses	(45)	(104)
Unrealized losses	$ (74)	$ (813)
U.S. Government obligations
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Less than 12 months, number of issues | security	0	7
Greater than 12 months, number of issues | security	0	2
Number of Issues | security	0	9
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, fair value	$ 0	$ 2,580
Greater than 12 months, fair value	0	679
Fair Value	0	3,259
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract]
Less than 12 months, unrealized losses	0	(7)
Greater than 12 months, unrealized losses	0	(6)
Unrealized losses	$ 0	$ (13)
State and local government
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Less than 12 months, number of issues | security	1	8
Greater than 12 months, number of issues | security	0	0
Number of Issues | security	1	8
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, fair value	$ 118	$ 2,688
Greater than 12 months, fair value	0	0
Fair Value	118	2,688
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract]
Less than 12 months, unrealized losses	(1)	(6)
Greater than 12 months, unrealized losses	0	0
Unrealized losses	$ (1)	$ (6)
Corporate debt
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Less than 12 months, number of issues | security	7	80
Greater than 12 months, number of issues | security	15	12
Number of Issues | security	22	92
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, fair value	$ 3,104	$ 21,760
Greater than 12 months, fair value	5,127	3,618
Fair Value	8,231	25,378
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract]
Less than 12 months, unrealized losses	(17)	(438)
Greater than 12 months, unrealized losses	(42)	(45)
Unrealized losses	$ (59)	$ (483)
Commercial mortgage-backed and other asset-backed
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Less than 12 months, number of issues | security	14	67
Greater than 12 months, number of issues | security	5	5
Number of Issues | security	19	72
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, fair value	$ 8,779	$ 32,539
Greater than 12 months, fair value	1,324	2,175
Fair Value	10,103	34,714
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract]
Less than 12 months, unrealized losses	(11)	(258)
Greater than 12 months, unrealized losses	(3)	(53)
Unrealized losses	$ (14)	$ (311)
Common stock
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]
Less than 12 months, number of issues | security	47	86
Greater than 12 months, number of issues | security	4	3
Number of Issues | security	51	89
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, fair value	$ 457	$ 782
Greater than 12 months, fair value	133	79
Fair Value	590	861
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract]
Less than 12 months, unrealized losses	(22)	(72)
Greater than 12 months, unrealized losses	(13)	(35)
Unrealized losses	$ (35)	$ (107)

Investments - Net Investment In

Investments - Net Investment Income (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Net Investment Income [Line Items]
Investment income	$ 600	$ 556	$ 1,214	$ 1,112
Investment expenses	(72)	(87)	(149)	(157)
Net investment income	528	469	1,065	955
Fixed maturity securities
Net Investment Income [Line Items]
Investment income	570	532	1,156	1,063
Equity securities
Net Investment Income [Line Items]
Investment income	25	22	51	45
Cash and short-term investments
Net Investment Income [Line Items]
Investment income	$ 5	$ 2	$ 7	$ 4

Investments - Gross Realized Ga

Investments - Gross Realized Gains and Losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Schedule of Available-for-sale Securities [Line Items]
Net realized investment gains	$ 541	$ 87	$ 533	$ 232
Fixed maturity securities
Schedule of Available-for-sale Securities [Line Items]
Gross realized gains	502	0	518	68
Gross realized losses	(16)	(1)	(22)	(4)
Net realized investment gains	486	(1)	496	64
Equity securities
Schedule of Available-for-sale Securities [Line Items]
Gross realized gains	94	104	150	203
Gross realized losses	(39)	(16)	(113)	(35)
Net realized investment gains	$ 55	$ 88	$ 37	$ 168

Investments - Available-for-s37

Investments - Available-for-sale Fixed Maturity Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Amortized Cost
Due in one year or less, amortized cost	$ 7,779
Due after one year through five years, amortized cost	30,636
Due after five years through ten years, amortized cost	6,529
Due after ten years, amortized cost	6,284
Securities with contractual maturities, amortized cost	51,228
Commercial mortgage and asset-backed, amortized cost	59,591
Fixed maturity securities, amortized cost	110,819	$ 107,213
Estimated Fair Value
Due in one year or less, fair value	7,784
Due after one year through five years, fair value	31,052
Due after five years through ten years, fair value	6,941
Due after ten years, fair value	6,501
Securities with contractual maturities, fair value	52,278
Commercial mortgage and asset-backed, fair value	60,191
Fixed maturity securities	$ 112,469	$ 107,093

Fair Value Measurements - Narra

Fair Value Measurements - Narrative (Details)	Jun. 30, 2016
Level 1
Fair Value, Concentration of Risk, Financial Statement Captions [Line Items]
Investment portfolio percentage	15.60%
Level 2
Fair Value, Concentration of Risk, Financial Statement Captions [Line Items]
Investment portfolio percentage	84.40%

Fair Value Measurements - Finan

Fair Value Measurements - Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fixed maturity securities	$ 112,469	$ 107,093
Equity securities	4,443	4,240
Short-term investments	16,304	6,391
Total assets measured at fair value	133,216	117,724
Total liabilities measured at fair value	14,750	12,750
Senior debt
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Senior debt	14,750	12,750
Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Short-term investments	16,304	6,391
Total assets measured at fair value	20,747	10,631
Total liabilities measured at fair value		0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Senior debt
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Senior debt		0
Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Total assets measured at fair value	112,469	107,093
Total liabilities measured at fair value	14,750	12,750
Significant Other Observable Inputs (Level 2) | Senior debt
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Senior debt	14,750	12,750
Significant Unobservable Inputs (Level 3)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Total liabilities measured at fair value		0
Significant Unobservable Inputs (Level 3) | Senior debt
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Senior debt		0
U.S. Government obligations
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fixed maturity securities	5,817	5,508
U.S. Government obligations | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fixed maturity securities
U.S. Government obligations | Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fixed maturity securities	5,817	5,508
State and local government
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fixed maturity securities	11,467	14,783
State and local government | Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fixed maturity securities	11,467	14,783
Corporate debt
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fixed maturity securities	34,994	38,784
Corporate debt | Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fixed maturity securities	34,994	38,784
Commercial mortgage-backed and other asset-backed
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fixed maturity securities	60,191	48,018
Commercial mortgage-backed and other asset-backed | Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fixed maturity securities	60,191	48,018
Fixed maturity securities
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fixed maturity securities	112,469	107,093
Fixed maturity securities | Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fixed maturity securities	112,469	107,093
Common stock
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Equity securities	4,443	4,240
Common stock | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Equity securities	$ 4,443	$ 4,240

Deferred Policy Acquisition C40

Deferred Policy Acquisition Costs - Activity in Deferred Policy Acquisition Costs (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]
Balance at beginning of period	$ 12,221	$ 6,120	$ 12,102	$ 5,679
Deferred policy acquisition costs	6,975	4,178	13,097	7,214
Amortization of policy acquisition costs	(6,014)	(2,639)	(12,017)	(5,234)
Net change	961	1,539	1,080	1,980
Balance at end of period	$ 13,182	$ 7,659	$ 13,182	$ 7,659

Unpaid Losses and Loss Adjust41

Unpaid Losses and Loss Adjustment Expenses - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior-year adverse (favorable) reserve development	$ 1,507	$ 171	$ 3,094	$ 206
Florida homeowners line
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior-year adverse (favorable) reserve development	695		1,500
Commercial automobile line
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior-year adverse (favorable) reserve development	$ 613	340	$ 1,500	535
Personal automobile line
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior-year adverse (favorable) reserve development		262		331
Commercial multi-peril line
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior-year adverse (favorable) reserve development		(270)		(274)
Other liability line
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior-year adverse (favorable) reserve development		$ (95)		(136)
Workers’ compensation line
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior-year adverse (favorable) reserve development				$ (248)

Unpaid Losses and Loss Adjust42

Unpaid Losses and Loss Adjustment Expenses - Changes in the Liability for Unpaid Losses and Loss Adjustment Expenses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Liability for Unpaid Claims and Claims Adjustment Expense [Roll Forward]
Gross reserves - beginning of period	$ 38,488	$ 32,987	$ 35,422	$ 31,531
Less: reinsurance recoverables on unpaid losses	5,015	4,590	5,405	3,224
Net reserves - beginning of period	33,473	28,397	30,017	28,307
Add: incurred losses and LAE, net of reinsurance:
Current period	12,034	8,805	23,146	17,340
Prior period	1,507	171	3,094	206
Total net incurred losses and LAE	13,541	8,976	26,240	17,546
Deduct: loss and LAE payments, net of reinsurance:
Current period	5,793	5,029	7,792	6,794
Prior period	5,279	5,009	12,523	11,724
Total net loss and LAE payments	11,072	10,038	20,315	18,518
Net reserves - end of period	35,942	27,335	35,942	27,335
Plus: reinsurance recoverables on unpaid losses	5,890	5,022	5,890	5,022
Gross reserves - end of period	$ 41,832	$ 32,357	$ 41,832	$ 32,357

Reinsurance - Narrative (Detail

Reinsurance - Narrative (Details) - USD ($)	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015
Maximum
Effects of Reinsurance [Line Items]
Amount retained (excess of)	$ 500,000	$ 500,000

Reinsurance - Effects of Reinsu

Reinsurance - Effects of Reinsurance and Assumption Transactions (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Written premiums:
Direct	$ 22,533	$ 21,510	$ 44,133	$ 42,629
Assumed	7,192	1,549	10,985	1,634
Ceded	(3,549)	(7,117)	(6,892)	(14,655)
Net written premiums	26,176	15,942	48,226	29,608
Earned premiums:
Direct	22,574	20,050	44,815	39,351
Assumed	2,684	2,137	3,989	3,810
Ceded	(3,583)	(7,072)	(7,020)	(13,553)
Net earned premiums	21,675	15,115	41,784	29,608
Losses and LAE:
Direct	13,905	10,622	27,844	20,544
Assumed	1,447	281	2,356	805
Ceded	(1,811)	(1,927)	(3,960)	(3,803)
Total net incurred losses and LAE	$ 13,541	$ 8,976	$ 26,240	$ 17,546

Senior Debt - Narrative (Detail

Senior Debt - Narrative (Details)	6 Months Ended
	Jun. 30, 2016USD ($)debt_instrument
Revolver
Debt Instrument [Line Items]
Remaining borrowing capacity	$ 11,000,000
Secured Debt
Debt Instrument [Line Items]
Number of debt instruments | debt_instrument	3
Secured Debt | Revolver
Debt Instrument [Line Items]
Maximum borrowing capacity	$ 17,500,000
Term Note | Secured Debt
Debt Instrument [Line Items]
Face amount of debt instrument	$ 5,000,000
Term of debt instrument	5 years
2014 Term Note | Secured Debt
Debt Instrument [Line Items]
Face amount of debt instrument	$ 7,500,000
Term of debt instrument	5 years

Senior Debt - Outstanding Senio

Senior Debt - Outstanding Senior Debt (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Debt Instrument [Line Items]
Debt	$ 14,750	$ 12,750
Revolver
Debt Instrument [Line Items]
Debt	6,500	3,500
Term Note
Debt Instrument [Line Items]
Debt	2,250	2,750
2014 Term Note
Debt Instrument [Line Items]
Debt	$ 6,000	$ 6,500

Shareholders' Equity - Narrativ

Shareholders' Equity - Narrative (Details) - USD ($)	Feb. 25, 2016	Jun. 30, 2016	Dec. 31, 2015
Equity, Class of Treasury Stock [Line Items]
Stock repurchased and retired during period, value			$ 6,275,000
Stock Repurchase Program, February 2016
Equity, Class of Treasury Stock [Line Items]
Authorized amount of stock repurchase program	$ 2,100,000
Stock repurchase program, period	1 year
Common stock
Equity, Class of Treasury Stock [Line Items]
Stock repurchased and retired during period, shares		66,663
Stock repurchased and retired during period, value		$ 451,000

Other Comprehensive Income (L48

Other Comprehensive Income (Loss) - Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Dec. 31, 2015	Jun. 30, 2015
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period			$ 77,262	$ 51,168	$ 44,159
Other comprehensive income before reclassifications	$ (308)	$ (977)	1,151		(274)
Less: amounts reclassified from accumulated other comprehensive income (loss)	(88)	208	(171)		425
Other comprehensive income (loss)	(220)	(1,185)	1,322	(277)	(699)
Balance at end of period	76,001	51,168	76,001	77,262	51,168
Accumulated Other Comprehensive Income (Loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	1,724	1,644	182	459	1,158
Other comprehensive income (loss)			1,322	(277)	(699)
Balance at end of period	$ 1,504	$ 459	$ 1,504	$ 182	$ 459

Earnings Per Share - Basic and

Earnings Per Share - Basic and Diluted Income (Loss) Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Dec. 31, 2015	Jun. 30, 2015
Earnings Per Share [Abstract]
Net income (loss) attributable to Conifer	$ (513)	$ 579	$ (2,541)		$ 1,042
Preferred stock dividends	0	151	0	$ 81	303
Paid-in-kind dividends	0	62	0		123
Net income (loss) allocable to common shareholders	$ (513)	$ 366	$ (2,541)		$ 616
Weighted average common shares outstanding, basic and diluted	7,594,862	4,050,042	7,616,821		4,045,482
Earnings (loss) per share allocable to common, basic and diluted (in dollars per share)	$ (0.07)	$ 0.09	$ (0.33)		$ 0.15

Stock-based Compensation - Narr

Stock-based Compensation - Narrative (Details) - 2015 Omnibus Incentive Plan - Restricted Stock Units (RSUs) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended	12 Months Ended
	Jun. 30, 2016	Jun. 30, 2016	Dec. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares granted in period			390,352
Stock granted, value			$ 4,100
Share-based compensation expense	$ 204	$ 409
Share-based compensation expense not yet recognized	$ 3,400	$ 3,400

Segment Information - Narrative

Segment Information - Narrative (Details) - business	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015
Segment Reporting Information [Line Items]
Number of reportable segments	2
Gross Written Premiums | Geographic Concentration Risk | Florida, Michigan, Pennsylvania and Texas
Segment Reporting Information [Line Items]
Concentration risk	70.00%	69.00%

Segment Information - Informati

Segment Information - Information by Reportable Segment (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Segment Reporting Information [Line Items]
Gross written premiums	$ 29,725	$ 23,059	$ 55,118	$ 44,263
Net written premiums	26,176	15,942	48,226	29,608
Net earned premiums	21,675	15,115	41,784	29,608
Other income	283	480	528	969
Segment revenue	21,958	15,595	42,312	30,577
Losses and loss adjustment expenses, net	13,541	8,976	26,240	17,546
Policy acquisition costs	6,014	2,639	12,017	5,234
Operating expenses	4,536	3,619	8,675	7,311
Total expenses	24,091	15,234	46,932	30,091
Segment underwriting gain (loss)	(2,133)	361	(4,620)	486
Net investment income	528	469	1,065	955
Net realized investment gains	541	87	533	232
Interest expense	(143)	(239)	(300)	(483)
Income (loss) before equity earnings of affiliates and income taxes	(1,207)	678	(3,322)	1,190
Operating Segments | Commercial Lines
Segment Reporting Information [Line Items]
Gross written premiums	22,821	18,326	41,965	34,068
Net written premiums	20,548	12,524	37,536	22,378
Net earned premiums	16,484	10,670	31,763	20,158
Other income	83	325	182	674
Segment revenue	16,567	10,995	31,945	20,832
Losses and loss adjustment expenses, net	9,344	5,477	17,980	10,794
Policy acquisition costs	4,366	1,917	8,752	3,655
Operating expenses	1,610	1,211	3,344	2,683
Total expenses	15,320	8,605	30,076	17,132
Segment underwriting gain (loss)	1,247	2,390	1,869	3,700
Operating Segments | Personal Lines
Segment Reporting Information [Line Items]
Gross written premiums	6,904	4,733	13,153	10,195
Net written premiums	5,628	3,418	10,690	7,230
Net earned premiums	5,191	4,445	10,021	9,450
Other income	187	108	318	236
Segment revenue	5,378	4,553	10,339	9,686
Losses and loss adjustment expenses, net	4,197	3,499	8,260	6,752
Policy acquisition costs	1,648	722	3,265	1,579
Operating expenses	766	210	1,435	623
Total expenses	6,611	4,431	12,960	8,954
Segment underwriting gain (loss)	(1,233)	122	(2,621)	732
Corporate & Other
Segment Reporting Information [Line Items]
Gross written premiums	0	0	0	0
Net written premiums	0	0	0	0
Net earned premiums	0	0	0	0
Other income	13	47	28	59
Segment revenue	13	47	28	59
Losses and loss adjustment expenses, net	0	0	0	0
Policy acquisition costs	0	0	0	0
Operating expenses	2,160	2,198	3,896	4,005
Total expenses	2,160	2,198	3,896	4,005
Segment underwriting gain (loss)	(2,147)	(2,151)	(3,868)	(3,946)
Net investment income	528	469	1,065	955
Net realized investment gains	541	87	533	232
Interest expense	(143)	(239)	(300)	(483)
Income (loss) before equity earnings of affiliates and income taxes	$ (1,221)	$ (1,834)	$ (2,570)	$ (3,242)