Conifer (CNFR) 10-K 15 Mar 17 2016 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2016	Mar. 10, 2017	Jun. 30, 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 Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Common Stock, Shares Outstanding		7,633,070
Entity Public Float			$ 0
Document Type	10-K
Document Period End Date	Dec. 31, 2016
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	FY
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Assets
Fixed maturity securities, at fair value (amortized cost of $113,915 and $107,213, respectively)	$ 113,163	$ 107,093
Equity securities, at fair value (cost of $4,283 and $3,341, respectively)	4,579	4,240
Short-term investments, at fair value	10,788	6,391
Total investments	128,530	117,724
Cash	12,493	12,703
Premiums and agents' balances receivable, net	24,538	18,010
Receivable from Affiliate	1,751	1,792
Reinsurance recoverables on unpaid losses	6,658	5,405
Reinsurance recoverables on paid losses	840	1,639
Ceded unearned premiums	4,120	3,483
Deferred policy acquisition costs	13,290	12,102
Other assets	11,481	5,069
Total assets	203,701	177,927
Liabilities:
Unpaid losses and loss adjustment expenses	54,651	35,422
Unearned premiums	58,126	47,916
Reinsurance premiums payable	0	1,069
Senior debt	17,750	12,750
Accounts payable and accrued expenses	4,879	2,758
Other liabilities	501	750
Total liabilities	135,907	100,665
Commitment and contingencies
Shareholders' equity:
Common stock, no par value (100,000,000 shares authorized; 7,633,070 and 7,644,492 issued and outstanding, respectively)	80,342	80,111
Accumulated deficit	(11,468)	(3,031)
Accumulated other comprehensive income (loss)	(1,080)	182
Total shareholders' equity	67,794	77,262
Total liabilities and shareholders' equity	$ 203,701	$ 177,927

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Statement of Financial Position [Abstract]
Fixed maturity securities, amortized cost	$ 113,915	$ 107,213
Equity securities, amortized cost	$ 4,283	$ 3,341
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	7,633,070	7,644,492
Common stock, shares outstanding (in shares)	7,633,070	7,644,492

Consolidated Statements of Oper

Consolidated Statements of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Revenue
Gross earned premiums	$ 104,713	$ 89,216	$ 66,969
Ceded earned premiums	(15,086)	(22,451)	(9,441)
Net earned premiums	89,627	66,765	57,528
Net investment income	2,173	1,902	1,175
Net realized investment gains	1,365	285	417
Other gains (losses)	(400)	104	0
Other income	1,118	1,667	1,809
Total revenue	93,883	70,723	60,929
Expenses
Losses and loss adjustment expenses, net	59,003	38,882	40,730
Policy acquisition costs	25,280	16,183	14,696
Operating expenses	17,596	14,806	12,139
Interest expense	647	769	584
Total expenses	102,526	70,640	68,149
Income (loss) before income taxes	(8,643)	83	(7,220)
Income tax expense (benefit)	(77)	48	(281)
Equity earnings (losses) in affiliates, net of tax	129	(52)	0
Net income (loss)	(8,437)	(17)	(6,939)
Less net loss attributable to noncontrolling interest	0	(81)	(4)
Net income (loss) attributable to Conifer	(8,437)	64	(6,935)
Net income (loss) allocable to common shareholders	$ (8,437)	$ (476)	$ (7,200)
Earnings (loss) per common share, basic and diluted (in dollars per share)	$ (1.11)	$ (0.09)	$ (2.69)
Weighted average common shares outstanding, basic and diluted (in shares)	7,618,588	5,369,960	2,672,440

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Statement of Comprehensive Income [Abstract]
Net income (loss)	$ (8,437)	$ (17)	$ (6,939)
Unrealized investment gains (losses):
Unrealized investment gains (losses) during the period	(2,139)	(274)	1,678
Income tax expense (benefit)	0	0	571
Unrealized investment gains (losses), net of tax	(2,139)	(274)	1,107
Less: reclassification adjustments to:
Net realized investment gains included in net income (loss)	(877)	702	735
Income tax expense	0	0	250
Total reclassifications included in net income (loss), net of tax	(877)	702	485
Other comprehensive income (loss)	(1,262)	(976)	622
Total comprehensive income (loss)	(9,699)	(993)	(6,317)
Less comprehensive income (loss) attributable to noncontrolling interest	0	(81)	(4)
Comprehensive income (loss) attributable to Conifer	$ (9,699)	$ (912)	$ (6,313)

Consolidated Statement of Chang

Consolidated Statement of Changes in Redeemable Preferred Stock and Shareholders' Equity - USD ($) $ in Thousands		Total	Preferred Stock [Member]	Common Stock [Member]	Retained Earnings (Accumulated deficit) [Member]	AOCI Attributable to Parent [Member]	Parent [Member]	Noncontrolling Interest [Member]	Former Preferred Stockholders [Member]	Former Preferred Stockholders [Member]Common Stock [Member]	Former Preferred Stockholders [Member]Parent [Member]	Pre IPO [Member]	[1]	Pre IPO [Member]Common Stock [Member]	[1]	Pre IPO [Member]Parent [Member]	[1]	IPO [Member]	[1]	IPO [Member]Common Stock [Member]	[1]	IPO [Member]Parent [Member]	[1]	Redeemable Preferred Stock [Member]
Redeemable Preferred Stock, Beginning Balance (in shares) at Dec. 31, 2013																								0
Redeemable Preferred Stock, Beginning Balance at Dec. 31, 2013																								$ 0
Increase (Decrease) in Temporary Equity [Roll Forward]
Issuance of Redeemable Preferred Stock, $100 (in shares)																								54,000
Issuance of Redeemable Preferred Stock, $100																								$ 5,400
Exchange of Preferred Stock for Redeemable Preferred Stock, $100 (in shares)																								6,600
Exchange of Preferred Stock for Redeemable Preferred Stock, $100																								$ 660
Paid-in-kind dividends																								$ 59
Redeemable Preferred Stock, Ending Balance (in shares) at Dec. 31, 2014																								60,600
Redeemable Preferred Stock, Ending Balance at Dec. 31, 2014																								$ 6,119
Balance (in shares) at Dec. 31, 2013			0	1,749,626
Balance at Dec. 31, 2013		$ 21,251	$ 0	$ 16,883	$ 3,851	$ 536	$ 21,270	$ (19)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)		(6,939)			(6,935)		(6,935)	(4)
Issuance of stock (in shares)			66,000	2,163,135
Issuance of stock		28,475		$ 28,475			28,475
Conversion of note payable into shares of common stock (in shares)				82,252
Conversion of note payable into shares of common stock		1,000		$ 1,000			1,000
Issuance of Preferred Stock, $10		660	$ 660				660
Exchange of Preferred Stock for Redeemable Preferred Stock, $100 (in shares)			(66,000)
Exchange of Preferred Stock for Redeemable Preferred Stock, $100			$ (660)				(660)
Paid-in-kind dividends		(59)		(59)			(59)
Cash dividends paid on Preferred Stock		(191)		$ (180)	(11)		(191)
Deconsolidation of affiliate		0
Other comprehensive income (loss)		622				622	622
Balance (in shares) at Dec. 31, 2014			0	3,995,013
Balance at Dec. 31, 2014		44,159	$ 0	$ 46,119	(3,095)	1,158	44,182	(23)
Increase (Decrease) in Temporary Equity [Roll Forward]
Paid-in-kind dividends																								$ 61
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)
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)		(17)			64		64	(81)
Issuance of stock (in shares)										294,450				55,029						3,300,000
Issuance of stock									$ 3,092	$ 3,092	$ 3,092	$ 750		$ 750		$ 750		$ 32,224		$ 32,224		$ 32,224
Paid-in-kind dividends		(61)	$ 95	(156)			(61)
Cash dividends paid on Preferred Stock		(384)		(384)			(384)
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)
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 income (loss)		(976)				(976)	(976)
Balance (in shares) at Dec. 31, 2015			0	7,644,492
Balance 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, 2016																								0
Redeemable Preferred Stock, Ending Balance at Dec. 31, 2016																								$ 0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)		(8,437)					(8,437)
Cash dividends paid on Preferred Stock		0
Repurchase of preferred stock (in shares)				(88,650)
Repurchase of preferred stock		(625)		$ (625)			(625)
Vesting of RSU (in shares)	[2]			77,228
Vesting of RSU	[2]	856		$ 856			856
Deconsolidation of affiliate		(400)
Other comprehensive income (loss)		(1,262)				(1,262)	(1,262)
Balance (in shares) at Dec. 31, 2016			0	7,633,070
Balance at Dec. 31, 2016		$ 67,794	$ 0	$ 80,342	$ (11,468)	$ (1,080)	$ 67,794	$ 0
[1]	"IPO" - initial public offering
[2]	"RSU" - restricted stock units

Consolidated Statement of Chan7

Consolidated Statement of Changes in Redeemable Preferred Stock and Shareholders' Equity (Parentheticals)	Dec. 31, 2014$ / shares
Preferred Stock [Member]
Price per share (in dollars per share)	$ 10
Redeemable Preferred Stock [Member]
Price per share of temporary equity (in dollars per share)	$ 100

Consolidated Statements of Cash

Consolidated Statements of Cash Flows $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)
Cash Flows from Operating Activities
Net income (loss)	$ (8,437)	$ (17)	$ (6,939)
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:
Depreciation and amortization of property and equipment, and intangibles	401	398	371
Amortization of bond premium and discount, net	589	629	527
Gains on investments	(1,365)	(285)	(417)
Other (gains) losses	400	(104)	0
Incentive awards expenses - RSU	856	303	0
Deferred income taxes	(147)	0	(302)
Other	(130)	(53)	14
Changes in operating assets and liabilities:
Premiums and agents' balances receivable	(6,487)	(3,765)	(2,174)
Reinsurance recoverables	(454)	(1,905)	(745)
Ceded unearned premiums	(637)	6,027	(8,106)
Deferred policy acquisition costs	(1,188)	(6,423)	68
Other assets	(7,139)	(904)	(526)
Unpaid losses and loss adjustment expenses	19,229	3,891	2,623
Unearned premiums	10,210	4,535	16,876
Reinsurance premiums payable	(1,069)	(6,000)	6,080
Accounts payable and accrued expenses	1,635	1,015	172
Other liabilities	(101)	(478)	(1,217)
Net cash (used in) provided by operating activities	6,166	(3,136)	6,305
Cash Flows From Investing Activities
Fixed maturity securities	(46,511)	(33,271)	(44,632)
Equity securities	(3,908)	(1,507)	(1,392)
Short-term investments	(116,546)	(83,842)	(84,369)
Proceeds from maturities and redemptions of investments:
Fixed maturity securities	5,980	1,400	4,892
Short-term investments	7,750	0	0
Proceeds from sales of investments:
Fixed maturity securities	34,263	7,885	1,345
Equity securities	4,017	1,331	0
Short-term investments	104,399	94,200	76,900
Purchases of property and equipment	(195)	(167)	(444)
Deconsolidation of affiliate	0	(1,323)	0
Net cash used in investing activities	(10,751)	(15,294)	(47,700)
Cash Flows From Financing Activities
Proceeds received from issuance of shares of common stock	0	36,066	28,475
Proceeds from issuance of shares of preferred stock	0	0	6,060
Repurchase of common stock	(625)	0	0
Repurchase of preferred stock	0	(6,275)	0
Borrowings under debt arrangements	7,000	4,400	18,500
Repayment of borrowings under debt arrangements	(2,000)	(19,212)	(4,075)
Dividends paid to preferred shareholders	0	(384)	(191)
Payout of contingent consideration	0	(113)	(182)
Payment of offering costs	0	(1,837)	0
Net cash provided by financing activities	4,375	12,645	48,587
Net (decrease) increase in cash	(210)	(5,785)	7,192
Cash at beginning of period	12,703	18,488	11,296
Cash at end of period	12,493	12,703	18,488
Supplemental Disclosure of Cash Flow Information:
Interest paid	641	844	510
Net income taxes paid	0	0	0
Paid-in-kind dividends	0	61	59
Payable for securities - non cash item	$ 486	$ 20	$ 33

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2016
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Basis of Presentation and Management Representation 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"), Red Cedar Insurance Company ("RCIC"), White Pine Insurance Company ("WPIC"), and Sycamore Insurance Agency, Inc ("SIA"). CIC, WPIC, and RCIC are collectively referred to as the "Insurance Company Subsidiaries." On a stand-alone basis Conifer Holdings, Inc is referred to as the "Parent Company." On December 30, 2016, the Company's wholly owned subsidiary, American Colonial Insurance Company ("ACIC") was merged into WPIC. 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. 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 (“U.S.”). The Company’s corporate headquarters are 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 was substantially complete at 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 10 ~ Shareholders’ Equity for further details. Summary of Significant Accounting Policies 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. 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. Cash and Short-term Investments Cash consists of cash deposits in banks, generally in operating accounts. Short-term investments, consisting of money-market funds, are classified as investments in the consolidated balance sheets as they relate principally to the Company’s investment activities. The Company maintains its cash deposits in major banks and invests short-term funds in institutional money-market funds and short-term financial instruments. These securities typically mature within three months or less. Investment Securities Investment securities, consisting of fixed maturity securities and equity securities, are classified as available for sale and reported at fair value. The Company determines the fair value using the market approach, which uses quoted prices or other relevant data based on market transactions involving identical or comparable assets. The Company purchases the available-for-sale fixed maturity securities with the expectation that they will be held to maturity, but the Company may sell them if market conditions or credit‑related risk warrant earlier sales. The Company does not have any securities classified as held to maturity or trading. The change in unrealized gain and loss on the investment securities is recorded as a component of accumulated other comprehensive income (loss), net of the related deferred tax effect, until realized. The fixed maturity securities portfolio includes mortgage-backed and asset-backed securities. The Company recognizes income from these securities using a constant effective yield based on anticipated prepayments and the estimated economic life of the securities. When actual prepayments differ significantly from anticipated prepayments, the estimated economic life is recalculated and the remaining unamortized premium or discount is amortized prospectively over the remaining economic life. Premiums and discounts on mortgage-backed and asset-backed securities are amortized or accreted over the life of the related available‑for‑sale security as an adjustment to yield using the effective interest method. Such amortization and accretion is included in interest income in the consolidated statements of operations. Dividend and interest income are recognized when earned. Realized gains and losses from the sale of available-for-sale securities are determined on a specific-identification basis and included in earnings on the trade date. Other-than-Temporary Impairments The Company reviews its impaired securities for possible other-than-temporary impairment ("OTTI") at each quarter-end. A security has an impairment loss when its fair value is less than its cost or amortized cost at the balance sheet date. The Company considers the following factors in performing its review: (i) the amount by which the security’s fair value is less than its cost, (ii) length of time the security has been impaired, (iii) whether management has the intent to sell the security, (iv) if it is more likely than not that management will be required to sell the security before recovery of its amortized cost basis, (v) whether the impairment is due to an issuer‑specific event, credit issues or change in market interest rates, (vi) the security’s credit rating and any recent downgrades or (vii) stress testing of expected cash flows under different scenarios. If the Company determines that a security has experienced an OTTI, the impairment is recognized as a realized investment loss in the consolidated statements of operations. For each impaired security, the Company determines if: (i) it does not intend to sell the security and (ii) it will more likely than not be required to sell the security before recovery of its amortized cost basis. If the Company cannot assert these conditions, an OTTI loss is recorded through the consolidated statements of operations in the current period. For all other impaired securities, except equity securities, the Company will assess whether the net present value of the cash flows expected to be collected from the security is less than its amortized cost basis. Such a shortfall in cash flows is referred to as a “credit loss.” For any such security, the Company separates the impairment loss into: (i) the credit loss and (ii) the non-credit loss, which is the amount related to all other factors such as interest rate changes, fluctuations in exchange rates and market conditions. The credit loss charge is recorded to the current period statements of operations and the non-credit loss is recorded to accumulated other comprehensive income (loss), within shareholders’ equity, on an after-tax basis. A security’s cost basis is permanently reduced by the amount of a credit loss. Income is accreted over the remaining life of a fixed maturity security based on the interest rate necessary to discount the expected future cash flows to the new basis. If the security is non-income producing, any cash proceeds is applied as a reduction of principal when received. For equity securities, if the impairment is deemed an OTTI, the loss is recognized in the statements of operations. Recognition of Premium Revenues All of the property and casualty policies written by our insurance companies are considered short-duration contracts. These policies are earned on a daily pro-rata basis, net of reinsurance, over the term of the policy, which are six or twelve months in duration. The portion of premiums written that relate to the unexpired terms of policies in force are deferred and reported as unearned premium at the balance sheet date. Premiums on reinsured business are accounted for on a basis consistent with that used in accounting for the original policies issued and terms of the reinsurance contracts. Reinsurance Reinsurance premiums, commissions, losses and loss adjustment expenses ("LAE") on reinsured business are accounted for on a basis consistent with that used in accounting for the original policies issued and the terms of the reinsurance contracts. The amounts reported as reinsurance recoverables include amounts billed to reinsurers on losses and LAE paid as well as estimates of amounts expected to be recovered from reinsurers on insurance liabilities that have not yet been paid. Reinsurance recoverables on unpaid losses and LAE are estimated based upon assumptions consistent with those used in establishing those gross liabilities as they are applied to the underlying reinsured contracts. The Company records an allowance for uncollectible reinsurance recoverables based on an assessment of the reinsurer’s creditworthiness and collectability of the recorded amounts. Management believes an allowance for uncollectible recoverable from its reinsurers was not necessary for the periods presented. The Company receives ceding commissions in connection with certain ceded reinsurance. The ceding commissions are recorded as a reduction of operating expenses. Deferred Policy Acquisition Costs Costs incurred which are incremental and directly related to the successful acquisition of new or renewal insurance business is deferred. These deferred costs consist of commissions paid to agents, premium taxes, and underwriting costs, including compensation and payroll related benefits. Proceeds from reinsurance transactions that represent recovery of acquisition costs reduce applicable unamortized acquisition costs in such a manner that net acquisition costs are capitalized and charged to expense. Amortization of such policy acquisition costs is charged to expense in proportion to premium earned over the estimated policy term. To the extent that unearned premiums on existing policies are not adequate to cover the sum of expected losses and LAE, unamortized acquisition costs and policy maintenance costs, unamortized deferred policy acquisition costs are charged to expense to the extent required to eliminate the premium deficiency. If the premium deficiency is greater than the unamortized policy acquisition costs, a liability is recorded for any such deficiency. The Company considers anticipated investment income in determining whether a premium deficiency exists. Management performs this evaluation at each insurance product line level. Unpaid Losses and Loss Adjustment Expenses The liability for unpaid losses and LAE in the consolidated balance sheets represents the Company’s estimate of the amount it expects to pay for the ultimate cost of all losses and LAE incurred that remain unpaid at the balance sheet date. The liability is recorded on an undiscounted basis, except for the liability for unpaid losses and LAE assumed related to acquired companies which are initially recorded at fair value. The process of estimating the liability for unpaid losses and LAE is a complex process that requires a high degree of judgment. The liability for unpaid losses and LAE represent the accumulation of individual case estimates for reported losses and LAE, and actuarially determined estimates for incurred but not reported losses and LAE. The liability for unpaid losses and LAE is intended to include the ultimate net cost of all losses and LAE incurred but unpaid as of the balance sheet date. The liability is stated net of anticipated deductibles, salvage and subrogation, and gross of reinsurance ceded. The estimate of the unpaid losses and LAE liability is continually reviewed and updated. Although management believes the liability for losses and LAE is reasonable, the ultimate liability may be more or less than the current estimate. The estimation of ultimate liability for unpaid losses and LAE is a complex, imprecise and inherently uncertain process, and therefore involves a considerable degree of judgment and expertise. The Company utilizes various actuarially‑accepted reserving methodologies in deriving the continuum of expected outcomes and ultimately determining its estimated liability amount. These methodologies utilize various inputs, including but not limited to written and earned premiums, paid and reported losses and LAE, expected initial loss and LAE ratio, which is the ratio of incurred losses and LAE to earned premiums, and expected claim reporting and payout patterns (including company-specific and industry data). The liability for unpaid loss and LAE does not represent an exact measurement of liability, but is an estimate that is not directly or precisely quantifiable, particularly on a prospective basis, and is subject to a significant degree of variability over time. In addition, the establishment of the liability for unpaid losses and LAE makes no provision for the broadening of coverage by legislative action or judicial interpretation or for the extraordinary future emergence of new types of losses not sufficiently represented in the Company’s historical experience or which cannot yet be quantified. As a result, an integral component of estimating the liability for unpaid losses and LAE is the use of informed subjective estimates and judgments about the ultimate exposure to unpaid losses and LAE. The effects of changes in the estimated liability are included in the results of operations in the period in which the estimates are revised. The Company allocates the applicable portion of the unpaid losses and LAE to amounts recoverable from reinsurers under reinsurance contracts and reports those amounts separately as assets on the consolidated balance sheets. Income Taxes Income taxes are accounted for under the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carryforwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Deferred tax assets are recognized to the extent that there is sufficient positive evidence, as allowed under the Accounting Standard Codification ("ASC") 740, Income Taxes, to support the recoverability of those deferred tax assets. The Company establishes a valuation allowance to the extent that there is insufficient evidence to support the recoverability of the deferred tax asset under ASC 740. In making such a determination, management considers all available positive and negative evidence, including future reversals of existing taxable temporary differences, projected future taxable income, tax‑planning strategies, and results of recent operations. If it is determined that the deferred tax assets would be realizable in the future in excess of their net recorded amount, an adjustment would be made to the deferred tax asset valuation allowance, which would reduce the provision for income taxes. As of December 31, 2016 and 2015 , the Company did not have any unrecognized tax benefits and had no accrued interest or penalties related to uncertain tax positions. Other Income Other income consists primarily of fees charged to policyholders by the Company for services outside of the premium charge, such as installment billings or policy issuance costs. Commission income is also received by the Company’s insurance agencies for writing policies for third party insurance companies. The Company recognizes commission income on the later of the effective date of the policy, the date when the premium can be reasonably established, or the date when substantially all services related to the insurance placement have been rendered. Operating Expenses Operating expenses consist primarily of other underwriting, compensation and benefits, information technology, facility and other administrative expenses. 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 Company adopted this new guidance as of December 31, 2016, as required, and included the required disclosures in Note 5 ~ Unpaid Losses and Loss Adjustment Expenses . 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-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. Management is currently evaluating the impact of the guidance. 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. Management is currently evaluating the impact of the guidance. In August 2016, the FASB issued ASU No. 2016-15, Statement of Cash Flows (Topic 230) , which clarifies how certain cash receipts and cash payments should be presented and classified in the statement of cash flow under Topic 230, Statement of Cash Flows . This update addresses eight specific cash flow issues with the objective of reducing the existing diversity in practice. This ASU is effective for annual and interim reporting periods beginning after December 15, 2017. Early adoption is permitted. Management is currently evaluating the impact of the guidance.

Investments

Investments	12 Months Ended
	Dec. 31, 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 December 31, 2016 and 2015 were as follows (dollars in thousands): December 31, 2016 Cost or Amortized Cost Gross Unrealized Estimated Fair Value Gains Losses Fixed maturity securities: U.S. Government obligations $ 5,908 $ 31 $ (36 ) $ 5,903 State and local government 13,618 106 (205 ) 13,519 Corporate debt 34,105 205 (254 ) 34,056 Commercial mortgage and asset-backed 60,284 132 (731 ) 59,685 Total fixed maturity securities available for sale 113,915 474 (1,226 ) 113,163 Equity securities: Common stocks - Public Utilities 159 25 (1 ) 183 Common stocks - Banks, Trusts and Insurance Companies 681 85 (9 ) 757 Common stocks - Industrial, miscellaneous and all other 3,443 256 (60 ) 3,639 Total equity securities available for sale 4,283 366 (70 ) 4,579 Total securities available for sale $ 118,198 $ 840 $ (1,296 ) $ 117,742 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 and 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): December 31, 2016 Less than 12 months Greater than 12 months Total No. of Issues Fair Value of Investments with Unrealized Losses Gross Unrealized Losses No. of Issues Fair Value of Investments with Unrealized Losses Gross Unrealized Losses No. of Issues Fair Value of Investments with Unrealized Losses Gross Unrealized Losses Fixed maturity securities: U.S. Government obligations 15 $ 4,539 $ (36 ) — $ — $ — 15 $ 4,539 $ (36 ) State and local government 29 8,217 (202 ) 1 104 (3 ) 30 8,321 (205 ) Corporate debt 22 9,031 (239 ) 7 3,369 (15 ) 29 12,400 (254 ) Commercial mortgage and asset-backed 59 38,048 (722 ) 5 802 (9 ) 64 38,850 (731 ) Total fixed maturity securities available for sale 125 59,835 (1,199 ) 13 4,275 (27 ) 138 64,110 (1,226 ) Equity securities: Common stock 76 2,472 (61 ) 2 66 (9 ) 78 2,538 (70 ) Total equity securities available for sale 76 2,472 (61 ) 2 66 (9 ) 78 2,538 (70 ) Total securities 201 $ 62,307 $ (1,260 ) 15 $ 4,341 $ (36 ) 216 $ 66,648 $ (1,296 ) December 31, 2015 Less than 12 months Greater than 12 months Total No. of Issues Fair Value of Investments with Unrealized Losses Gross Unrealized Losses No. of Issues Fair Value of Investments with Unrealized Losses Gross Unrealized Losses No. of Issues Fair Value of Investments with Unrealized Losses Gross Unrealized 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 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 years ended December 31, 2016 and 2015 . The Company’s sources of net investment income are as follows (dollars in thousands): December 31, 2016 2015 2014 Fixed maturity securities $ 2,370 $ 2,110 $ 1,289 Equity securities 98 92 78 Cash and short-term investments 21 5 9 Total investment income 2,489 2,207 1,376 Investment expenses (316 ) (305 ) (201 ) Net investment income $ 2,173 $ 1,902 $ 1,175 The following table summarizes the gross realized gains and losses from sales or maturities of available-for-sale fixed maturity and equity securities, as follows (dollars in thousands): December 31, 2016 2015 2014 Fixed maturity securities: Gross realized gains $ 587 $ 92 $ 47 Gross realized losses (24 ) (6 ) (29 ) Total fixed maturity securities 563 86 18 Equity securities: Gross realized gains 1,198 290 449 Gross realized losses (396 ) (91 ) (50 ) Total equity securities 802 199 399 Total net investment realized gains $ 1,365 $ 285 $ 417 Proceeds from the sales of debt and equity securities available for sale were $38.3 million , $9.2 million and $1.3 million for the year s ended December 31, 2016 , 2015 and 2014 , respectively. The table below summarizes the amortized cost and fair value of available-for-sale fixed maturity securities by contractual maturity at December 31, 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 $ 9,650 $ 9,656 Due after one year through five years 24,693 24,721 Due after five years through ten years 10,986 10,945 Due after ten years 8,302 8,156 Securities with contractual maturities 53,631 53,478 Commercial mortgage and asset backed 60,284 59,685 Total fixed maturity securities $ 113,915 $ 113,163 At December 31, 2016 and 2015 , the Insurance Companies Subsidiaries had an aggregate of $9.6 million and $8.9 million , respectively, on deposit in trust accounts to meet the deposit requirements of various state insurance departments. At December 31, 2016 and 2015 , the Company had $10.3 million and $169,000 held in trust accounts to meet collateral requirements with other third-party insurers, relating to various fronting arrangements. 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	12 Months Ended
	Dec. 31, 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 principal 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, classified by the valuation hierarchy as of December 31, 2016 and 2015 (dollars in thousands): December 31, 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 $ 5,903 $ — $ 5,903 $ — State and local government 13,519 — 13,519 — Corporate debt 34,056 — 34,056 — Commercial mortgage and asset-backed 59,685 — 59,685 — Total fixed maturity securities 113,163 — 113,163 — Equity Securities 4,579 4,469 110 — Short-term investments 10,788 10,788 — — Total assets measured at fair value $ 128,530 $ 15,257 $ 113,273 $ — Liabilities: Senior debt* $ 17,750 $ — $ 17,750 $ — Total Liabilities measured at fair value $ 17,750 $ — $ 17,750 $ — * 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 and asset-backed 48,018 — 48,018 — Total fixed maturity securities 107,093 — 107,093 — Equity Securities 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 11.9% of the fair value of the total investment portfolio as of December 31, 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 88.1% of the fair value of the total investment portfolio as of December 31, 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 the Company's 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 years ended December 31, 2016 and 2015 , respectively.

Deferred Policy Acquisition Cos

Deferred Policy Acquisition Costs	12 Months Ended
	Dec. 31, 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 years December 31, 2016 , 2015 and 2014 . The activity in deferred policy acquisition costs, net of reinsurance transactions, is as follows (dollars in thousands): December 31, 2016 2015 2014 Balance at beginning of period $ 12,102 $ 5,679 $ 5,747 Deferred policy acquisition costs 26,468 22,606 14,628 Amortization of policy acquisition costs (25,280 ) (16,183 ) (14,696 ) Net change 1,188 6,423 (68 ) Balance at end of period $ 13,290 $ 12,102 $ 5,679

Unpaid Losses and Loss Adjustme

Unpaid Losses and Loss Adjustment Expenses	12 Months Ended
	Dec. 31, 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 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 prior year 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 recoverables from reinsurers, for the periods indicated as follows (dollars in thousands): 2016 2015 2014 Gross reserves - beginning of period $ 35,422 $ 31,531 $ 28,908 Less: reinsurance recoverables on unpaid losses 5,405 3,224 3,953 Net reserves - beginning of period 30,017 28,307 24,955 Add: incurred losses and loss adjustment expenses, net of reinsurance Current period 48,782 37,422 41,923 Prior period 10,221 1,460 (1,193 ) Total net incurred losses and loss adjustment expenses 59,003 38,882 40,730 Deduct: loss and loss adjustment expense payments, net of reinsurance Current period 20,828 20,635 24,134 Prior period 20,199 16,537 13,244 Total net loss and loss adjustment expense payments 41,027 37,172 37,378 Net reserves - end of period 47,993 30,017 28,307 Plus: reinsurance recoverables on unpaid losses 6,658 5,405 3,224 Gross reserves - end of period $ 54,651 $ 35,422 $ 31,531 As a result of development on prior accident years’ reserves, the estimate for net ultimate losses and LAE increased by $10.2 million in 2016 , increased by $1.5 million in 2015 and decreased by $1.2 million in 2014 . There were no significant changes in the key methods utilized in the analysis and calculations of the Company’s reserves during 2016 , 2015 or 2014 . In 2016 , prior year net ultimate loss and LAE estimates increased $10.2 million . The $10.2 million increase reflects adverse development of $4.1 million in the commercial lines liability products, $2.7 million in the commercial automobile line, $2.7 million in the wind-exposed homeowners' line and $0.8 million in the run-off personal automobile line. In 2015 , prior year net ultimate loss and LAE estimates increased $1.5 million . The $1.5 million increase reflects adverse development of $1.2 million in the run-off personal automobile line, $835,000 in the commercial automobile line and $121,000 in the wind-exposed homeowners' line. These were partially offset by favorable development in all of the other lines totaling $660,000 . In 2014 , net ultimate loss and LAE estimates decreased by $1.2 million . The $1.2 million decrease primarily reflects favorable reserve development of $702,000 in the commercial multi-peril line, $550,000 in the personal automobile line, and $509,000 in the other liability line. These were partially offset by adverse development of $548,000 in the low-value dwelling line, as well as other small changes in the remaining lines. Loss Development Tables The following tables represent cumulative paid loss and allocated loss adjustment expenses ("ALAE"), net of reinsurance, by accident year and incurred loss and allocated loss adjustment expenses, net of reinsurance, by accident year, for the years ended December 31, 2009 to 2016, as well as total IBNR and the cumulative number of reported claims for the year ended December 31, 2016, by reportable segment and accident year, (dollars in thousands). Commercial Lines Incurred loss and allocated loss adjustment expenses, net of reinsurance Total IBNR Cumulative number of reported claims Accident Year For the years ended December 31, 2009* 2010* 2011* 2012* 2013* 2014* 2015* 2016 2016 2016 2009 11,400 12,066 10,312 8,943 8,232 8,403 8,359 8,414 13 877 2010 7,346 8,568 7,255 6,357 6,170 6,074 6,207 10 770 2011 6,753 5,758 5,326 5,049 4,932 4,903 27 590 2012 7,745 6,421 6,288 6,384 6,253 76 560 2013 10,018 9,435 9,893 10,237 334 596 2014 19,709 19,907 22,711 749 1,726 2015 22,442 26,633 2,810 2,269 2016 32,396 13,002 3,101 Total 117,754 Cumulative paid loss and allocated loss adjustment expenses, net of reinsurance Accident Year For the years ended December 31, 2009* 2010* 2011* 2012* 2013* 2014* 2015* 2016 2009 4,436 5,942 6,410 7,233 7,800 7,867 7,933 8,321 2010 3,066 4,488 5,219 5,910 6,040 6,065 6,166 2011 2,645 3,534 3,964 4,449 4,641 4,744 2012 2,325 3,703 4,696 5,558 5,994 2013 3,979 6,211 7,643 8,622 2014 8,715 13,977 17,458 2015 10,470 17,817 2016 10,255 Total 79,377 Unpaid losses and ALAE - years 2009 through 2016 38,377 Unpaid losses and ALAE - prior to 2009 (1)* 241 Unpaid losses and ALAE, net of reinsurance 38,618 * Presented as unaudited required supplementary information. (1) The Company's formation was in 2009, however, as a result of the acquisition of WPIC in 2010, incurred losses prior to the 2009 accident year remain outstanding. Personal Lines Incurred loss and allocated loss adjustment expenses, net of reinsurance Total IBNR Cumulative number of reported claims Accident Year For the years ended December 31, 2009* 2010* 2011* 2012* 2013* 2014* 2015* 2016 2016 2016 2009 667 639 634 634 634 634 634 634 — 65 2010 320 188 184 184 184 184 184 — 77 2011 1,678 1,758 1,981 2,031 2,030 2,043 11 717 2012 9,960 11,690 11,740 12,159 12,390 85 3,300 2013 18,034 17,996 18,925 19,138 205 5,095 2014 17,951 17,471 17,735 221 3,619 2015 10,877 13,445 221 2,104 2016 11,619 1,113 1,679 Total 77,188 Cumulative paid loss and allocated loss adjustment expenses, net of reinsurance Accident Year For the years ended December 31, 2009* 2010* 2011* 2012* 2013* 2014* 2015* 2016 2009 537 634 634 634 634 634 634 634 2010 151 174 184 184 184 184 184 2011 787 1,292 1,633 1,859 1,983 2,021 2012 5,665 9,251 10,844 11,777 12,202 2013 9,955 15,883 18,052 18,600 2014 12,819 16,515 17,260 2015 7,771 11,873 2016 7,119 Total 69,893 Unpaid losses and ALAE, net of reinsurance 7,295 * Presented as unaudited required supplementary information. Total Lines Incurred loss and allocated loss adjustment expenses, net of reinsurance Total IBNR Cumulative number of reported claims Accident Year For the years ended December 31, 2009* 2010* 2011* 2012* 2013* 2014* 2015* 2016 2016 2016 2009 12,067 12,705 10,946 9,577 8,866 9,037 8,993 9,048 13 942 2010 7,666 8,756 7,439 6,541 6,354 6,258 6,391 10 847 2011 8,431 7,516 7,307 7,080 6,962 6,946 38 1,307 2012 17,705 18,111 18,028 18,543 18,643 161 3,860 2013 28,052 27,431 28,818 29,375 539 5,691 2014 37,660 37,378 40,446 970 5,345 2015 33,319 40,078 3,031 4,373 2016 44,015 14,115 4,780 Total 194,942 Cumulative paid loss and allocated loss adjustment expenses, net of reinsurance Accident Year For the years ended December 31, 2009* 2010* 2011* 2012* 2013* 2014* 2015* 2016 2009 4,973 6,576 7,044 7,867 8,434 8,501 8,567 8,955 2010 3,217 4,662 5,403 6,094 6,224 6,249 6,350 2011 3,432 4,826 5,597 6,308 6,624 6,765 2012 7,990 12,954 15,540 17,335 18,196 2013 13,934 22,094 25,695 27,222 2014 21,534 30,492 34,718 2015 18,241 29,690 2016 17,374 Total 149,270 Unpaid losses and ALAE - years 2009 through 2016 45,672 Unpaid losses and ALAE - prior to 2009* 241 Unpaid losses and ALAE, net of reinsurance 45,913 * Presented as unaudited required supplementary information. The following table reconciles the claim development information to the Consolidated Balance Sheet for the year ended December 31, 2016 , by reportable segment (dollars in thousands). December 31, 2016 Net outstanding liabilities for unpaid claims and ALAE Commercial Lines 38,618 Personal Lines 7,295 Liabilities for unpaid claims and ALAE, net or reinsurance 45,913 Reinsurance recoverable on unpaid claims Commercial Lines 6,482 Personal Lines 176 Total reinsurance recoverable on unpaid claims 6,658 ULAE Expense 2,080 Total gross liability for unpaid claims and LAE 54,651 Loss Duration Disclosure (unaudited) The following table represents the average annual percentage payout of incurred losses by age, net of reinsurance, for each reportable segment. Average annual percentage payout of incurred losses by age, net of reinsurance Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10+ Commercial Lines 37.1 % 24.2 % 18.3 % 9.8 % 5.2 % 2.6 % 1.6 % 0.9 % 0.1 % 0.2 % Personal Lines 65.5 % 15.5 % 13.8 % 5.1 % 0.1 % — % — % — % — % — % Total Lines 40.8 % 23.0 % 17.7 % 9.2 % 4.5 % 2.3 % 1.4 % 0.8 % 0.1 % 0.2 %

Reinsurance

Reinsurance	12 Months Ended
	Dec. 31, 2016
Reinsurance Disclosures [Abstract]
Reinsurance	Reinsurance In the normal course of business, the Company participates in reinsurance agreements in order to limit losses that may arise from catastrophes or other individually severe events. The Company primarily ceded all specific risks in excess of $500,000 in 2016 , $500,000 in 2015 and $300,000 in 2014. Reinsurance does not discharge the Company, as 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's current reinsurance structure includes the following primary categories: Casualty Clash • The Company is party to a workers' compensation and casualty clash reinsurance treaty with limits up to $18.0 million in excess of a $2.0 million retention. Clash coverage is a type of reinsurance that provides additional coverage in the event that one casualty loss event results in two or more claims and recovery under the reinsurance treaties may otherwise be limited due to the amount, type or number of claims. Clash reinsurance further protects the balance sheet as it reduces the potential maximum loss on either a single risk or a large number of risks. Facultative • The Company has a facultative agreement with a large reinsurer for property risks with total insured values above the other reinsurance treaty limits. "Facultative" reinsurance is where a reinsurer negotiates an individual reinsurance agreement for every policy it will reinsure on a policy by policy basis. Property • Effective November 1, 2014, the Company entered into an excess of loss reinsurance agreement for personal property coverage with limits up to $2.7 million in excess of $300,000 , for homeowners' and dwelling fire business. This agreement remained in effect through 2016. • Effective July 1, 2015, the Company entered into an excess of loss treaty for commercial property values from $2.0 million to $4.0 million , to replace much of the facultative reinsurance cover. The treaty remained in force throughout 2016. A "treaty" is a reinsurance agreement in which coverage is provided for a class of risks and does not require policy by policy underwriting of the reinsurer. • At December 31, 2016, the Company is covered for property catastrophe losses up to $160.0 million in excess of a $5.0 million retention for the first event. The Company also has second and third event property catastrophe coverage with a $1.0 million retention. The treaty renews June 1, 2017. Multiple Line • Effective January 1, 2015, the Company has an excess of loss multi-line agreement that covers commercial property and casualty losses up to $1.5 million in excess of a $500,000 retention. The retention was $300,000 in 2014. Quota Share • The Company has commercial umbrella treaties for commercial lines business in the form of a 90% quota share. A quota share agreement is an agreement between an insurer and a reinsurer whereby the reinsurer pays an agreed-upon percentage of all losses the insurer sustains. In turn, the insurer compensates the reinsurer for this agreement in the form of a percentage of the premiums written for the applicable lines covered and reinsurance period. • Effective December 31, 2014, the Company entered into a 25% quota share arrangement with a reinsurer for coverage net of the other reinsurance arrangements and within the Company's retention of $500,000 for commercial lines and $300,000 for personal homeowners lines. The Company terminated the agreement on August 1, 2015. The purpose of the quota share arrangement was to reduce the capital requirements necessary to support premium growth initiatives. The IPO provided sufficient capital to support growth initiatives, and the quota share was no longer deemed necessary. Equipment Breakdown, Employment Practice Liability, and Data Compromise and Identity Recovery • The Company has a 100% quota share arrangement with another reinsurer for the small number of equipment breakdown, employment practices liability and data compromise coverages that are occasionally bundled with other products. 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”). Beginning in December 2014, the Company assumed written premium of $5.5 million under a policy assumption agreement with Citizens. Citizens is a Florida government-sponsored insurer that provides homeowners insurance to Florida residences that cannot find coverage in the voluntary market. Upon assuming this premium, the Company becomes the primary insurer to the policyholders. The Company is responsible for claims occurring on or after the effective date of the assumption. In the first quarter of 2015, the Company assumed additional written premium from Citizens in the amount of $1.4 million . This assumption was offset during the year ended December 31, 2015 by a return of $1.3 million of assumed premiums from the 2014 assumption and $738,000 of assumed premiums from the 2015 assumption. The return premiums are related to the policyholders opting out of the related assumptions. The Company did not assume any Citizens business in 2016. The Company assumed $19.7 million , $2.5 million, and $0.1 million of written premiums under the insurance fronting arrangements for the years ended ended December 31, 2016 , 2015 , and 2014 , respectively. The following table presents the effects of such reinsurance and assumption transactions on written premiums, earned premiums and losses and LAE (dollars in thousands): Year Ended December 31, 2016 2015 2014 Written premiums: Direct $ 89,915 $ 90,503 $ 78,296 Assumed 25,008 3,247 5,551 Ceded (14,994 ) (14,076 ) (17,548 ) Net written premiums $ 99,929 $ 79,674 $ 66,299 Earned premiums: Direct $ 90,660 $ 82,614 $ 66,608 Assumed 14,053 6,602 361 Ceded (15,086 ) (22,451 ) (9,441 ) Net earned premiums $ 89,627 $ 66,765 $ 57,528 Loss and loss adjustment expenses: Direct $ 59,940 $ 43,989 $ 43,894 Assumed 11,955 2,756 107 Ceded (12,892 ) (7,863 ) (3,271 ) Net Loss and loss adjustment expenses $ 59,003 $ 38,882 $ 40,730

Senior Debt

Senior Debt	12 Months Ended
	Dec. 31, 2016
Debt Disclosure [Abstract]
Senior Debt	Senior Debt The Company's senior debt facility is comprised of three notes: a $17.5 million revolving line of credit ("Revolver") which commenced in October 2013; 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"). A summary of the outstanding senior debt at December 31, 2016 is as follows (in thousands): December 31, 2016 2015 Revolver $ 10,500 $ 3,500 Term Note 1,750 2,750 2014 Term Note 5,500 6,500 Total 17,750 12,750 The obligations under the Amended Credit Agreement bear interest at LIBOR rate plus 3.25% , or the lender’s prime rate plus 1.5% , except for the 2014 Term Note. Interest on the 2014 Term Note is at LIBOR plus 3.75% or the lender’s prime rate plus 2% . The weighted average interest rate was 4.1% and 3.4% for the years ended December 31, 2016 and 2015 , respectively. The Company is required to pay quarterly commitment fees on the unused portion of the Credit Facility equal to 0.2% per annum. The aggregate maturities under the Amended Credit Agreement for each of the five years subsequent to December 31, 2016 are as follows: $2.5 million in 2017, $13.3 million in 2018, $2.0 million in 2019 , $0.0 million in 2020, and $0.0 million in 2021. The Company entered into various amendments during 2016, which, among other things, included the following key changes to the credit facility agreement: • At December 31, 2015, the Company was in compliance with all of its Credit Facility covenants except for the fixed-charge coverage ratio which fell below 1.20 -to-1.0, to 0.9 -to-1.0. The Company received a waiver as of January 26, 2016 for this covenant breach as of December 31, 2015. • Effective November 30, 2016, the Company renewed its $17.5 million Revolver. The maturity was extended from December 1, 2016 to August 1, 2018. The Company also amended the credit facility which modified several debt covenants and increased the interest rate spreads on the three notes by 50 basis points . All outstanding borrowings under the Revolver were repaid from the proceeds received from the Company’s IPO, in August 2015; another $3.5 million was then drawn down in the fourth quarter of 2015 and $7.0 million was drawn down during 2016. The undrawn portion of the Revolver, which was $7.0 million as of December 31, 2016 , is available to finance working capital, fund other general corporate purposes and to provide surplus contributions to our 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 December 31, 2016, the Company was in compliance with all of its financial covenants except for a minimum tangible net worth (as defined by the agreement) requirement to remain above $65.0 million . The Company’s tangible net worth was $64.1 million at December 31, 2016. The Company received a waiver on March 13, 2017 for this covenant breach as of December 31, 2016, and the agreement was amended to reduce the minimum requirement to $62.0 million from March 31, 2017 to December 30, 2017 and $64.0 million from December 31, 2017 and thereafter, which management expects the Company will exceed in future periods. Interest Rate Swap Agreement In order to reduce its interest rate risk, the Company entered into an interest rate swap agreement for a notional amount of $5.0 million in September 2014, at the same time it refinanced the five year Term Note, and the notional amount decreases in proportion with the amortization of the Term Note. Under this swap agreement, the Company pays the fixed rate of 1.04% on the $5.0 million notional amount on a quarterly basis, and receives the LIBOR rate on a quarterly basis. Payments are settled on a net basis, and the Company has effectively converted its variable‑rate debt into fixed‑rate debt with an effective interest rate of 3.79% . Payments made or received on the swap are recorded as interest expense. The changes in fair value of the interest rate swap are recorded as other income or expense. At December 31, 2016 and 2015, the fair value of the interest rate swap of $1,200 and $4,000 , respectively (notional amounts of $1.8 million and $2.8 million , respectively), was recorded in other assets in the consolidated balance sheets.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2016
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes At December 31, 2016 and 2015 , the Company had current income taxes receivable of $110,000 and $106,000 , respectively, included in other assets in the consolidated balance sheets. The income tax expense (benefit) is comprised of the following (dollars in thousands): Year Ended December 31, 2016 2015 2014 Current tax expense (benefit) $ 70 $ 48 $ 3 Deferred tax expense (benefit) (147 ) — (284 ) Total income tax expense (benefit) $ (77 ) $ 48 $ (281 ) The income tax expense (benefit) differed from the amounts computed by applying the statutory U.S. federal income tax rate of 34% to pretax income as a result of the following (dollars in thousands): Year Ended December 31, 2016 2015 2014 Income (loss) before income taxes $ (8,643 ) $ 83 $ (7,220 ) Deconsolidation of affiliate — 55 — Statutory U.S. federal income tax rate (2,939 ) 28 (2,455 ) State income taxes, net of federal benefit (3 ) (72 ) (246 ) Tax‑exempt investment income and dividend received deduction (106 ) (116 ) (66 ) Nondeductible acquisition costs and purchase adjustments — — 143 Nondeductible meals and entertainment 61 45 30 Valuation allowance on deferred tax assets 2,808 (2,050 ) 2,283 Net operating loss write-off — 2,150 — Other 102 8 30 Income tax expense (benefit) $ (77 ) $ 48 $ (281 ) Effective tax rate 0.9 % 57.8 % 3.9 % For the year ended December 31, 2015, the Company reconsidered how it presents deferred tax assets and the associated valuation allowance which are subject to permanent limitation and which will expire unused. As such, the 2015 valuation allowance and gross net operating loss deferred tax asset were reduced by $2.2 million to remove the deferred tax assets that would not be realized from consideration. No such write-off occurred in 2016. The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities are presented below (dollars in thousands): December 31, 2016 2015 Deferred tax assets: Discounted unpaid losses and loss adjustment expenses $ 715 $ 465 Unearned premiums 4,085 3,385 Net operating loss carryforwards 7,757 5,932 State net operating loss carryforwards 223 209 Other 203 (152 ) Gross deferred tax assets 12,983 9,839 Less valuation allowance (8,389 ) (5,160 ) Total deferred tax assets, net of allowance 4,594 4,679 Deferred tax liabilities: Investment basis difference 45 49 Unrealized gains on investments (156 ) 266 Deferred policy acquisition costs 4,519 4,115 Intangible assets 163 307 Property and equipment 202 267 Total deferred tax liabilities 4,773 5,004 Net deferred tax liability $ (179 ) $ (325 ) The net deferred tax liability is recorded in other liabilities in the consolidated balance sheets. As of December 31, 2016 , the Company has net operating loss carryforwards for federal income tax purposes of $22.8 million , which expire in tax years 2019 through 2036. Of this amount, $15.1 million are limited in the amount that can be utilized in any one year and may expire before they are realized under Section 382 of the Internal Revenue Code. The Company has state net operating loss carryforwards of $8.7 million , which expire in tax years 2030 through 2036. Management assesses the available positive and negative evidence to estimate whether sufficient future taxable income will be generated to permit the use of the existing deferred tax assets under the guidance of ASC 740. A significant piece of objective negative evidence evaluated was the cumulative loss incurred over the three‑year period ended December 31, 2016 . Such objective evidence limits the Company's ability to consider other subjective evidence, such as management's projections for future growth. Based on its evaluation, the Company has recorded a valuation allowance of $8.4 million and $5.2 million at December 31, 2016 and 2015 , respectively, to reduce the deferred tax assets to an amount that is more likely than not to be realized based on the provisions in ASC 740. The amount of the deferred tax assets considered realizable, however, could be adjusted if estimates of future taxable income during the carryforward period are reduced or if objective negative evidence in the form of cumulative losses is no longer present, and additional weight may be given to subjective evidence, such as the Company’s projections for growth. The Company files consolidated federal income tax returns. For the years before 2013, the Company is no longer subject to U.S. federal examinations; however, the Internal Revenue Service has the ability to review years prior to 2013 to the extent the Company utilized tax attributes carried forward from those prior years. The statute of limitations on state filings is generally three to four years.

Statutory Financial Data, Risk-

Statutory Financial Data, Risk-Based Capital and Dividend Restrictions	12 Months Ended
	Dec. 31, 2016
Insurance [Abstract]
Statutory Financial Data, Risk-Based Capital and Dividend Restrictions	Statutory Financial Data, Risk-Based Capital and Dividend Restrictions U.S. state insurance laws and regulations prescribe accounting practices for determining statutory net income and capital and surplus for insurance companies. In addition, state regulators may permit statutory accounting practices that differ from prescribed practices. Statutory accounting practices prescribed or permitted by regulatory authorities for the Company’s Insurance Company Subsidiaries differ from GAAP. The principal differences between SAP and GAAP as they relate to the financial statements of the Company’s Insurance Company Subsidiaries are (i) policy acquisition costs are expensed as incurred under SAP, whereas they are deferred and amortized under GAAP, (ii) deferred tax assets are subject to more limitations regarding what amounts can be recorded under SAP and (iii) bonds are recorded at amortized cost under SAP and fair value under GAAP. Risk-Based Capital ("RBC") requirements as promulgated by the National Association of Insurance Commissioners (‘‘NAIC’’) require property and casualty insurers to maintain minimum capitalization levels determined based on formulas incorporating various business risks (e.g., investment risk, underwriting profitability, etc.) of the Insurance Company Subsidiaries. As of December 31, 2016 , 2015 and 2014 , the Insurance Company Subsidiaries’ adjusted capital and surplus exceeded their authorized control level as determined by the NAIC’s risk-based capital models. Summarized 2016 , 2015 and 2014 statutory basis information for the non-captive Insurance Company Subsidiaries, which differs from generally accepted accounting principles, is as follows (dollars in thousands). On December 30, 2016, the Company's wholly owned subsidiary, ACIC was merged into WPIC. As a result, 2016 statutory data is shown for the remaining two Insurance Company Subsidiaries, while prior year data is shown for the prior three Insurance Company Subsidiaries, (dollars in thousands). Conifer White Pine 2016: Statutory capital and surplus $ 29,539 $ 32,391 RBC authorized control level 6,676 6,583 Statutory net income (loss) (2,782 ) (1,209 ) RBC % 442.4 % 492.1 % Conifer American Colonial White Pine 2015: Statutory capital and surplus $ 30,637 $ 22,523 $ 17,452 RBC authorized control level 5,390 2,809 2,978 Statutory net income (loss) 387 (2,278 ) 784 RBC % 568.5 % 801.8 % 585.1 % Conifer American Colonial White Pine 2014: Statutory capital and surplus $ 28,304 $ 24,461 $ 13,209 RBC authorized control level 5,008 1,460 2,708 Statutory net income (loss) (2,777 ) (1,670 ) (58 ) RBC % 565.1 % 1,675.7 % 487.7 % Dividend Restrictions The state insurance statutes in which the Insurance Company Subsidiaries are domiciled limit the amount of dividends that they may pay annually without first obtaining regulatory approval. Generally, the limitations are based on the greater of statutory net income for the preceding year or 10% of statutory surplus at the end of the preceding year. The Company must receive regulatory approval in order to pay dividends to the Parent Company from its Insurance Company Subsidiaries in 2017.

Shareholders' Equity

Shareholders' Equity	12 Months Ended
	Dec. 31, 2016
Stockholders' Equity Note [Abstract]
Shareholders' Equity	Shareholders’ Equity Common Stock 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. 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 is determined by management at its discretion and depended on a number of factors, including the market price of the Company’s stock, general market conditions, and other factors. As of December 31, 2016, the Company had repurchased and retired 88,650 shares of stock valued at approximately $625,000 . As of December 31, 2016 and 2015 , the Company had 7,633,070 and 7,644,492 issued and outstanding shares of common stock, respectively. Holders of common stock are entitled to one vote per share and to receive dividends only when and if declared by the board of directors. The holders have no preemptive, conversion or subscription rights. Preferred Stock In 2014, the Company issued 66,000 shares of preferred stock at $10.00 per share to certain third-party investors. On October 1, 2014, the then-outstanding shares of preferred stock were exchanged for shares of redeemable preferred stock. Refer to Note 11 ~ Redeemable Preferred Stock for further details.

Redeemable Preferred Stock

Redeemable Preferred Stock	12 Months Ended
	Dec. 31, 2016
Temporary Equity Disclosure [Abstract]
Redeemable Preferred Stock	Redeemable Preferred Stock At December 31, 2014, the Company had 60,600 shares of redeemable preferred stock outstanding. The shares of redeemable preferred stock were initially recorded at fair value and thereafter increased by accrued paid-in-kind dividends. The Company classified the shares of redeemable preferred stock within temporary equity on its consolidated balance sheet at December 31, 2014, due to its liquidation rights. On March 25, 2015, the Company amended its articles of incorporation with the consent of more than 80% of the holders of the preferred stock and a majority of the holders of the common stock to restrict the liquidation rights to the liquidation, dissolution or winding up of the Company. It was previously more broadly defined. On the effective date of the modification, the Company reclassified the carrying amount of its redeemable preferred stock from temporary equity to permanent equity. Pursuant to agreements effective on or before July 1, 2015, the holders of preferred stock agreed to allow the Company to repurchase their outstanding preferred shares at the original purchase price (i.e., $100 per share) plus all accrued and unpaid preferred dividends. In addition, the holders of 29,550 shares (or 49% ) of preferred stock agreed to use such cash received from the Company’s repurchase of their preferred stock to purchase shares of common stock at the same per share price as the common stock offered in the Company’s IPO. The closing of these transactions were conditioned on the completion of the Company’s IPO. Following the closing of the Company’s IPO on August 18, 2015, the Company paid $6.3 million to holders of shares of preferred stock to repurchase such shares and for the payment of accrued dividends. Additionally, the Company issued 294,450 shares of common stock to former holders of the preferred stock for proceeds of $3.1 million . There are no shares of redeemable preferred stock outstanding after the closing of the IPO.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2016
Equity [Abstract]
Accumulated Other Comprehensive Income (Loss)	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 (in thousands): Year Ended 2016 2015 Balance at beginning of period $ 182 $ 1,158 Other comprehensive income (loss) before reclassifications (2,139 ) (274 ) Less: amounts reclassified from accumulated other comprehensive income (loss) (877 ) 702 Net current period other comprehensive income (loss) (1,262 ) (976 ) Balance at end of period $ (1,080 ) $ 182

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 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 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 (in thousands, except share and per share amounts): Year Ended 2016 2015 2014 Net income (loss) attributable to Conifer $ (8,437 ) $ 64 $ (6,935 ) Preferred stock dividends — 384 191 Paid-in-kind dividends — 156 59 Deemed dividend on preferred stock $ — $ — $ 15 Net income (loss) allocable to common shareholders $ (8,437 ) $ (476 ) $ (7,200 ) Weighted average common shares, basic and diluted* 7,618,588 5,369,960 2,672,440 Earnings (loss) per share allocable to common, basic and diluted $ (1.11 ) $ (0.09 ) $ (2.69 ) * The non-vested shares of the restricted stock units were anti-dilutive as of December 31, 2016 and December 31, 2015 . Therefore, the basic and diluted weighted average common shares are equal as of December 31, 2016 and December 31, 2015 .

Stock-based Compensation

Stock-based Compensation	12 Months Ended
	Dec. 31, 2016
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Stock-based Compensation	Stock-based Compensation In 2015, the Company established the Conifer Holdings, Inc. 2015 Omnibus Incentive Plan (“2015 Plan”), which permits the granting of stock options, stock appreciation rights, restricted stock units ("RSU") and other stock-based awards. The 2015 Plan authorizes up to 1,377,000 shares of common stock for awards to be issued to employees, directors or consultants of the Company. The RSUs are issued at no less than the market price on the date the awards are granted. The awards vest in five annual installments, commencing on the first anniversary from the date of grant. The Company will expense the grant date fair value of the RSUs as compensation expense on a straight-line basis over the requisite service period. Upon vesting, each RSU will convert into one share of common stock. The unvested RSUs are subject to forfeiture in the event the employee is involuntarily or voluntarily terminated. If the employee is terminated by the Company for cause, the Company has the option to forfeit the terminated employees’ vested shares for no consideration and to cause the employee to have no further rights or interest in the vested RSUs. The following summarizes our RSU activity (units in thousands): Number of Units Weighted Average Grant-Date Fair Value Outstanding at August 12, 2015 (IPO) — $ — Units granted 390 10.48 Units vested — — Units forfeited — — Outstanding at December 31, 2015 390 $ 10.48 Units granted 111 8.17 Units vested (77 ) 10.48 Units forfeited (8 ) 9.95 Outstanding at December 31, 2016 416 $ 9.87 The scheduled vesting for the restricted stock units at December 31, 2016 was as follows (in thousands): Year Ended December 31, 2017 2018 2019 2020 2021 Total Scheduled vesting - RSUs 99 99 99 99 20 416 In 2015, the Company issued 390,352 RSUs 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. In 2016, the Company issued 111,281 RSUs to executive officers and other employees valued at $909,000 on the date of grant. The Company recorded $856,000 and $303,000 of compensation expense related to the RSUs for the year ended December 31, 2016 and 2015, respectively. The total compensation cost related to the non-vested portion of the restricted stock units which has not been recognized as of December 31, 2016 was $3.8 million .

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2016
Related Party Transactions [Abstract]
Related Party Transactions	Related Party Transactions Related Party Indebtedness In December 2012, the Company entered into a short-term, unsecured note payable with an executive of the Company for $1.0 million . The note required quarterly interest-only payments at 12% per annum. The note was converted to equity of the Company in two separate transactions in which the common stock was valued at $12.16 per share. On January 31, 2014, the Company issued 41,126 shares of common stock in satisfaction of $500,000 of the note balance. The remaining note balance was satisfied through the issuance of 41,126 shares of common stock on June 30, 2014. Interest expense recorded on the note was $34,500 for the year ended December 31, 2014. Other Family Relationships In October 2015, the Company hired the brother of the chairman and chief executive officer, James G. Petcoff, as the president of a newly created managing general agency, Blue Spruce Underwriters. In this capacity, B. Matthew Petcoff leads a team of agents in writing business in the hospitality industry, focusing on quick-service restaurants. The Company employs Nicholas J. Petcoff as its Executive Vice President and a director and Andrew D. Petcoff as its Senior Vice President of Personal Lines; each of those individuals have been employed since 2009. They are the sons of the Company's Chairman and Chief Executive Officer, James G. Petcoff.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2016
Compensation and Retirement Disclosure [Abstract]
Employee Benefit Plans	Employee Benefit Plans In 2014, the Company established a retirement savings plan under section 401(k) of the Internal Revenue Code (the “Plan”) for certain eligible employees. Eligible employees electing to participate in the 401(k) plan may defer and contribute from 1% to 100% of their compensation on a pre‑tax basis, subject to statutory limits. The Company will match the employees’ contributions up to the first 4% of their compensation. The Company’s Plan expense amounted to $405,000 and $346,000 for the years ended December 31, 2016 and 2015 , respectively.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 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. We account for such activity through the establishment of unpaid losses and LAE reserves. In accordance with accounting guidance, if it is probable that a liability has been incurred as of the date of the financial statements and the amount of loss is reasonably estimable; then an accrual for the costs to resolve these claims is recorded by the Company in the accompanying consolidated balance sheets. Periodic expenses related to the defense of such claims are included in the accompanying consolidated statements of operations. 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 to, either individually, or in the aggregate. Commitments In 2010, the Company entered into an agreement with an unaffiliated party to design, develop, and implement a new policy administration, billing, and claims system for the Company. The scope of work and fee structure has changed over time. Currently, the agreement requires a minimum monthly payment of $30,000 with a fee schedule that is scalable with the premium volume, and expires on September 30, 2022. Operating leases The Company leases administrative office facilities, including its corporate headquarters, and office equipment under operating leases that expire at various dates through 2024. The Company has the option to extend its corporate headquarters lease for two additional five ‑year periods. The Company recognizes rent expense on a straight‑line basis over the term of the lease. Rent expense under the operating leases totaled $915,000 in 2016 , $795,000 in 2015 , and $871,000 in 2014 . In 2014, the Company terminated its lease for its previous corporate headquarters before the end of the lease term. The Company paid a termination fee of $280,000 to the property owner, which was included in rent expense in 2014. The future minimum rental payments under non-cancelable operating leases as of December 31, 2016 , are as follows (in thousands): Years Ending December 31, Amount 2017 $ 929 2018 825 2019 642 2020 628 2021 639 2022 and thereafter 1,567 Total future minimum rental payments $ 5,230

Segment Information

Segment Information	12 Months Ended
	Dec. 31, 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-making group 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-making group, comprised of key senior executives, reviews a number of financial measures including gross written premiums, net earned premiums and 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 its 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 operating expenses of the operating segments. Operating expenses primarily include compensation and related benefits for underwriting personnel, 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, Texas and Pennsylvania. For the years ended December 31, 2016 , 2015 and 2014 , gross written premiums attributable to these four states were 56.7% , 66.6% , and 70.3% respectively, of the Company’s total gross written premiums. The following table summarizes our net earned premiums: Net Earned Premium 2016 2015 2014 Commercial 77 % 73 % 62 % Personal 23 % 27 % 38 % Total 100 % 100 % 100 % The following provides a description of the Company’s two insurance businesses and product offerings within these businesses: • Commercial lines—offers coverage for property, liability, automobile and other miscellaneous coverage primarily to owner-operated small and mid-sized businesses, professional organizations and hospitality businesses such as restaurants, bars and taverns. • Personal lines—offers coverage for low-value dwelling, wind-exposed homeowners and automobile. 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 following tables present information by reportable segment (dollars in thousands): Year Ended December 31, 2016 Commercial Lines Personal Lines Corporate & Other Total Gross written premiums $ 88,242 $ 26,681 $ — $ 114,923 Net written premiums $ 78,439 $ 21,490 $ — $ 99,929 Net earned premiums $ 68,921 $ 20,706 $ — $ 89,627 Other income 378 558 182 1,118 Segment revenue 69,299 21,264 182 90,745 Loss and loss adjustment expenses, net 42,441 16,562 — 59,003 Policy acquisition costs 18,560 6,720 — 25,280 Operating expenses 6,767 2,911 7,918 17,596 Segment expenses 67,768 26,193 7,918 101,879 Segment underwriting gain (loss) $ 1,531 $ (4,929 ) $ (7,736 ) $ (11,134 ) Investment income 2,173 2,173 Net realized investment gains 1,365 1,365 Other gains (losses) (400 ) (400 ) Interest expense (647 ) (647 ) Income (loss) before income taxes $ (5,245 ) $ (8,643 ) Selected Balance Sheet Data: Deferred policy acquisition costs $ 10,156 $ 3,134 $ — $ 13,290 Unearned premiums 44,484 13,642 — 58,126 Loss and loss adjustment expense reserves 46,917 7,734 — 54,651 Year Ended December 31, 2015 Commercial Lines Personal Lines Corporate & Other Total Gross written premiums $ 68,197 $ 25,553 $ — $ 93,750 Net written premiums $ 58,157 $ 21,517 $ — $ 79,674 Net earned premiums $ 48,586 $ 18,179 $ — $ 66,765 Other income 1,099 489 79 1,667 Segment revenue 49,685 18,668 79 68,432 Loss and loss adjustment expenses, net 25,730 13,152 — 38,882 Policy acquisition costs 11,937 4,246 — 16,183 Operating expenses 4,983 3,305 6,518 14,806 Segment expenses 42,650 20,703 6,518 69,871 Segment underwriting gain (loss) $ 7,035 $ (2,035 ) $ (6,439 ) $ (1,439 ) Investment income 1,902 1,902 Net realized investment gains 285 285 Other gains (losses) 104 104 Interest expense (769 ) (769 ) Income (loss) before income taxes $ (4,917 ) $ 83 Selected Balance Sheet Data: Deferred policy acquisition costs $ 8,401 $ 3,701 $ — $ 12,102 Unearned premiums 33,337 14,579 — 47,916 Loss and loss adjustment expense reserves 29,739 5,683 — 35,422 Year Ended December 31, 2014 Commercial Lines Personal Lines Corporate & Other Total Gross written premiums $ 55,056 $ 28,791 $ — $ 83,847 Net written premiums $ 40,958 $ 25,341 $ — $ 66,299 Net earned premiums $ 35,749 $ 21,779 $ — $ 57,528 Other income 918 904 (13 ) 1,809 Segment revenue 36,667 22,683 (13 ) 59,337 Loss and loss adjustment expenses, net 20,621 20,109 — 40,730 Policy acquisition costs 9,209 5,487 — 14,696 Operating expenses 4,566 2,453 5,120 12,139 Segment expenses 34,396 28,049 5,120 67,565 Segment underwriting gain (loss) $ 2,271 $ (5,366 ) $ (5,133 ) $ (8,228 ) Investment income 1,175 1,175 Net realized investment gains 417 417 Interest expense (584 ) (584 ) Income (loss) before income taxes $ (4,125 ) $ (7,220 ) Selected Balance Sheet Data: Deferred policy acquisition costs $ 4,247 $ 1,432 $ — $ 5,679 Unearned premiums 29,062 14,319 — 43,381 Loss and loss adjustment expense reserves 22,451 9,080 — 31,531

Quarterly Financial Data (Unaud

Quarterly Financial Data (Unaudited)	12 Months Ended
	Dec. 31, 2016
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Data (Unaudited)	Quarterly Financial Data (Unaudited) The following is a summary of quarterly results of operations for 2016 and 2015 (in thousands, except per share and ratio data). The fluctuations between periods and changes in reserves, as disclosed in Note 5, are due to the normal fluctuations in operations from quarter to quarter. 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2016: Gross premiums written $ 25,393 29,725 28,497 31,308 Net premiums written $ 22,050 $ 26,176 $ 24,634 $ 27,069 Net premiums earned $ 20,109 $ 21,675 $ 23,380 $ 24,463 Net investment income 537 528 560 548 Net realized gains (8 ) 541 71 761 Other gains (losses) — — — (400 ) Other income 245 283 303 287 Losses and loss adjustment expenses, net 12,699 13,541 14,582 18,181 Policy acquisition costs 6,003 6,014 6,266 6,997 Operating expenses 4,139 4,536 4,710 4,211 Interest expense 157 143 168 179 Income tax (benefit) expense — (623 ) 16 530 Equity earnings (losses) in affiliates, net of tax 87 71 (47 ) 18 Net income (loss) $ (2,028 ) $ (513 ) $ (1,475 ) $ (4,421 ) Net income (loss) allocable to common shareholders $ (2,028 ) $ (513 ) $ (1,475 ) $ (4,421 ) Diluted earnings (loss) per common share (1) $ (0.27 ) $ (0.07 ) $ (0.19 ) $ (0.58 ) Combined ratio (2) 112.2 % 109.7 % 107.9 % 118.7 % 2015: Gross premiums written $ 21,204 23,059 24,242 25,245 Net premiums written $ 13,666 $ 15,942 $ 28,599 $ 21,467 Net premiums earned $ 14,493 $ 15,115 $ 17,883 $ 19,274 Net investment income 486 469 505 442 Net realized gains 145 87 6 47 Other gains (losses) — — 104 — Other income 489 480 523 175 Losses and loss adjustment expenses, net 8,570 8,976 9,813 11,523 Policy acquisition costs 2,595 2,639 4,605 6,344 Operating expenses 3,692 3,619 3,325 4,170 Interest expense 244 239 181 105 Income tax (benefit) expense — 48 (48 ) 48 Equity losses in affiliates, net of tax — — — (52 ) Net income (loss) $ 512 $ 630 $ 1,145 $ (2,304 ) Net income (loss) allocable to common shareholders $ 250 $ 366 $ 1,212 $ (2,304 ) Diluted earnings (loss) per common share (1) $ 0.06 $ 0.09 $ 0.21 $ (0.30 ) Combined ratio (2) 99.2 % 97.7 % 96.4 % 113.3 % (1) Due to the changes in the equity structure of the Company (Note ~ 10 Shareholders' Equity) the weighted average common shares outstanding has fluctuated over the past two years and therefore the quarterly diluted earnings (loss) per common share does not total the full-year earnings (loss) per common share stated on the face of the Consolidated Statements of Operations. (2) The combined ratio is the sum of the loss ratio and the expense ratio. The loss ratio is the ratio, expressed as a percentage, of net losses and LAE to net premiums earned and other income. The expense ratio is the ratio, expressed as a percentage, of policy acquisition costs and operating expenses to net earned premiums and other income.

Schedule II - Condensed Financi

Schedule II - Condensed Financial Information of Registrant - Balance Sheets	12 Months Ended
	Dec. 31, 2016
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Schedule II - Condensed Financial Information of Registrant - Balance Sheets	Schedule II Conifer Holdings, Inc. Condensed Financial Information of Registrant Balance Sheets – Parent Company Only (dollars in thousands) December 31, 2016 2015 Assets Investment in subsidiaries $ 78,637 $ 84,982 Cash 4,639 2,529 Due from subsidiaries 946 1,096 Other assets 2,009 1,912 Total assets $ 86,231 $ 90,519 Liabilities and Shareholders' Equity Liabilities: Senior debt $ 17,750 $ 12,750 Accounts payable and accrued expenses 196 311 Other liabilities 491 196 Total liabilities 18,437 13,257 Shareholders' equity: Common stock, no par value (100,000,000 shares authorized; 7,633,070 and 7,644,492 issued and outstanding, respectively) 80,342 80,111 Accumulated deficit (11,468 ) (3,031 ) Accumulated other comprehensive income (loss) (1,080 ) 182 Total shareholders' equity 67,794 77,262 Total liabilities and shareholders' equity $ 86,231 $ 90,519 Schedule II Conifer Holdings, Inc. Condensed Financial Information of Registrant Statements of Comprehensive Income (Loss) – Parent Company Only (dollars in thousands) Year Ended December 31, 2016 2015 2014 Revenue Management fees from subsidiaries $ 9,911 $ 8,007 $ 8,100 Other income 51 64 20 Total revenue 9,962 8,071 8,120 Expenses Operating expenses 16,995 13,710 9,962 Interest expense 647 766 584 Total expenses 17,642 14,476 10,546 Loss before equity in earnings (losses) of subsidiaries and income tax benefit (7,680 ) (6,405 ) (2,426 ) Income tax benefit (864 ) (1,025 ) (77 ) Loss before equity earnings (losses) of subsidiaries (6,816 ) (5,380 ) (2,349 ) Equity earnings (losses) in subsidiaries (1,621 ) 5,363 (4,590 ) Net income (loss) (8,437 ) (17 ) (6,939 ) Less net loss attributable to noncontrolling interest — (81 ) (4 ) Net income (loss) attributable to Conifer $ (8,437 ) $ 64 $ (6,935 ) Other Comprehensive Income Equity in other comprehensive income (loss) of subsidiaries (1,262 ) (976 ) 622 Total Comprehensive income (loss) $ (9,699 ) $ (912 ) $ (6,313 ) Schedule II Conifer Holdings, Inc. Condensed Financial Information of Registrant Statement of Cash Flows – Parent Company Only (dollars in thousands) Year Ended December 31, 2016 2015 2014 Cash Flows from Operating Activities Net income (loss) $ (8,437 ) $ (17 ) $ (6,939 ) Adjustments to reconcile net income (loss) to net cash used in operating activities: Depreciation and amortization 364 321 287 Deferred income taxes 288 140 3 Equity in undistributed (income) loss of subsidiaries 1,621 (5,363 ) 4,590 Incentive awards expenses - vesting of RSUs 856 303 — Changes in operating assets and liabilities: Changes in due from / payable to subsidiaries 150 (921 ) (10 ) Other assets (270 ) (396 ) (92 ) Accounts payable and accrued expenses (115 ) (20 ) 86 Other liabilities 120 (480 ) (19 ) Net cash used in operating activities (5,423 ) (6,433 ) (2,094 ) Cash Flows From Investing Activities Contributions to subsidiaries (2,100 ) (7,500 ) (46,006 ) Dividends received from subsidiaries 5,450 2,700 500 Purchases of property and equipment (192 ) (146 ) (434 ) Net cash provided by (used in) investing activities 3,158 (4,946 ) (45,940 ) Cash Flows From Financing Activities Proceeds received from issuance of shares of common stock — 36,066 28,475 Proceeds from issuance of shares of preferred stock — — 6,060 Repurchase of common stock (625 ) — — Repurchase of preferred stock — (6,275 ) — Borrowings under debt arrangements 7,000 4,400 18,500 Repayment of borrowings under debt arrangements (2,000 ) (19,212 ) (4,075 ) Dividends paid to preferred shareholders — (384 ) (191 ) Payment of offering costs — (1,837 ) — Net cash provided by financing activities 4,375 12,758 48,769 Net increase in cash 2,110 1,379 735 Cash at beginning of period 2,529 1,150 415 Cash at end of period $ 4,639 $ 2,529 $ 1,150 Supplemental Disclosure of Cash Flow Information: Interest paid $ 641 $ 844 $ 510 Non-cash dividend received from subsidiaries — 400 — Conifer Holding, Inc. Condensed Financial Information of Registrant Parent Company Only Notes to Condensed Financial Statements 1. Accounting Policies Organization Conifer Holdings, Inc. (the “Parent”) is a Michigan‑domiciled holding company organized for the purpose of managing its insurance entities. The Parent conducts its principal operations through these entities. Basis of Presentation The accompanying condensed financial information should be read in conjunction with the Consolidated Financial Statements and related Notes of Conifer Holdings, Inc. and Subsidiaries. Investments in subsidiaries are accounted for using the equity method. Under the equity method, the investment in subsidiaries is stated at cost plus contributions and equity in undistributed income (loss) of consolidated subsidiaries less dividends received since the date of acquisition. The Parent’s operations consist of income earned from management and administrative services performed for the insurance entities pursuant to intercompany services agreements. These management and administrative services include providing management, marketing, offices and equipment, and premium collection, for which the insurance companies pay fees based on a percentage of gross premiums written. Also, the Parent receives commission income for performing agency services. The primary operating costs of the Parent are salaries and related costs of corporate personnel, including information technology, administrative expenses, and professional fees. The income received from the management and administrative services is used to meet debt service requirements and pay federal income taxes. Estimates and Assumptions Preparation of the condensed financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the condensed financial statements and accompanying disclosures. Those estimates are inherently subject to change, and actual results may ultimately differ from those estimates. Dividends The Parent received cash dividends from its subsidiaries of $5.5 million , $2.7 million and $500,000 for the years ended December 31, 2016, 2015 and 2014, respectively.

Schedule II - Condensed Finan29

Schedule II - Condensed Financial Information of Registrant - Statements of Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2016
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Schedule II - Condensed Financial Information of Registrant - Statements of Comprehensive Income (Loss)	Schedule II Conifer Holdings, Inc. Condensed Financial Information of Registrant Balance Sheets – Parent Company Only (dollars in thousands) December 31, 2016 2015 Assets Investment in subsidiaries $ 78,637 $ 84,982 Cash 4,639 2,529 Due from subsidiaries 946 1,096 Other assets 2,009 1,912 Total assets $ 86,231 $ 90,519 Liabilities and Shareholders' Equity Liabilities: Senior debt $ 17,750 $ 12,750 Accounts payable and accrued expenses 196 311 Other liabilities 491 196 Total liabilities 18,437 13,257 Shareholders' equity: Common stock, no par value (100,000,000 shares authorized; 7,633,070 and 7,644,492 issued and outstanding, respectively) 80,342 80,111 Accumulated deficit (11,468 ) (3,031 ) Accumulated other comprehensive income (loss) (1,080 ) 182 Total shareholders' equity 67,794 77,262 Total liabilities and shareholders' equity $ 86,231 $ 90,519 Schedule II Conifer Holdings, Inc. Condensed Financial Information of Registrant Statements of Comprehensive Income (Loss) – Parent Company Only (dollars in thousands) Year Ended December 31, 2016 2015 2014 Revenue Management fees from subsidiaries $ 9,911 $ 8,007 $ 8,100 Other income 51 64 20 Total revenue 9,962 8,071 8,120 Expenses Operating expenses 16,995 13,710 9,962 Interest expense 647 766 584 Total expenses 17,642 14,476 10,546 Loss before equity in earnings (losses) of subsidiaries and income tax benefit (7,680 ) (6,405 ) (2,426 ) Income tax benefit (864 ) (1,025 ) (77 ) Loss before equity earnings (losses) of subsidiaries (6,816 ) (5,380 ) (2,349 ) Equity earnings (losses) in subsidiaries (1,621 ) 5,363 (4,590 ) Net income (loss) (8,437 ) (17 ) (6,939 ) Less net loss attributable to noncontrolling interest — (81 ) (4 ) Net income (loss) attributable to Conifer $ (8,437 ) $ 64 $ (6,935 ) Other Comprehensive Income Equity in other comprehensive income (loss) of subsidiaries (1,262 ) (976 ) 622 Total Comprehensive income (loss) $ (9,699 ) $ (912 ) $ (6,313 ) Schedule II Conifer Holdings, Inc. Condensed Financial Information of Registrant Statement of Cash Flows – Parent Company Only (dollars in thousands) Year Ended December 31, 2016 2015 2014 Cash Flows from Operating Activities Net income (loss) $ (8,437 ) $ (17 ) $ (6,939 ) Adjustments to reconcile net income (loss) to net cash used in operating activities: Depreciation and amortization 364 321 287 Deferred income taxes 288 140 3 Equity in undistributed (income) loss of subsidiaries 1,621 (5,363 ) 4,590 Incentive awards expenses - vesting of RSUs 856 303 — Changes in operating assets and liabilities: Changes in due from / payable to subsidiaries 150 (921 ) (10 ) Other assets (270 ) (396 ) (92 ) Accounts payable and accrued expenses (115 ) (20 ) 86 Other liabilities 120 (480 ) (19 ) Net cash used in operating activities (5,423 ) (6,433 ) (2,094 ) Cash Flows From Investing Activities Contributions to subsidiaries (2,100 ) (7,500 ) (46,006 ) Dividends received from subsidiaries 5,450 2,700 500 Purchases of property and equipment (192 ) (146 ) (434 ) Net cash provided by (used in) investing activities 3,158 (4,946 ) (45,940 ) Cash Flows From Financing Activities Proceeds received from issuance of shares of common stock — 36,066 28,475 Proceeds from issuance of shares of preferred stock — — 6,060 Repurchase of common stock (625 ) — — Repurchase of preferred stock — (6,275 ) — Borrowings under debt arrangements 7,000 4,400 18,500 Repayment of borrowings under debt arrangements (2,000 ) (19,212 ) (4,075 ) Dividends paid to preferred shareholders — (384 ) (191 ) Payment of offering costs — (1,837 ) — Net cash provided by financing activities 4,375 12,758 48,769 Net increase in cash 2,110 1,379 735 Cash at beginning of period 2,529 1,150 415 Cash at end of period $ 4,639 $ 2,529 $ 1,150 Supplemental Disclosure of Cash Flow Information: Interest paid $ 641 $ 844 $ 510 Non-cash dividend received from subsidiaries — 400 — Conifer Holding, Inc. Condensed Financial Information of Registrant Parent Company Only Notes to Condensed Financial Statements 1. Accounting Policies Organization Conifer Holdings, Inc. (the “Parent”) is a Michigan‑domiciled holding company organized for the purpose of managing its insurance entities. The Parent conducts its principal operations through these entities. Basis of Presentation The accompanying condensed financial information should be read in conjunction with the Consolidated Financial Statements and related Notes of Conifer Holdings, Inc. and Subsidiaries. Investments in subsidiaries are accounted for using the equity method. Under the equity method, the investment in subsidiaries is stated at cost plus contributions and equity in undistributed income (loss) of consolidated subsidiaries less dividends received since the date of acquisition. The Parent’s operations consist of income earned from management and administrative services performed for the insurance entities pursuant to intercompany services agreements. These management and administrative services include providing management, marketing, offices and equipment, and premium collection, for which the insurance companies pay fees based on a percentage of gross premiums written. Also, the Parent receives commission income for performing agency services. The primary operating costs of the Parent are salaries and related costs of corporate personnel, including information technology, administrative expenses, and professional fees. The income received from the management and administrative services is used to meet debt service requirements and pay federal income taxes. Estimates and Assumptions Preparation of the condensed financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the condensed financial statements and accompanying disclosures. Those estimates are inherently subject to change, and actual results may ultimately differ from those estimates. Dividends The Parent received cash dividends from its subsidiaries of $5.5 million , $2.7 million and $500,000 for the years ended December 31, 2016, 2015 and 2014, respectively.

Schedule II - Condensed Finan30

Schedule II - Condensed Financial Information of Registrant - Statement of Cash Flows	12 Months Ended
	Dec. 31, 2016
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Schedule II - Condensed Financial Information of Registrant - Statement of Cash Flows	Schedule II Conifer Holdings, Inc. Condensed Financial Information of Registrant Balance Sheets – Parent Company Only (dollars in thousands) December 31, 2016 2015 Assets Investment in subsidiaries $ 78,637 $ 84,982 Cash 4,639 2,529 Due from subsidiaries 946 1,096 Other assets 2,009 1,912 Total assets $ 86,231 $ 90,519 Liabilities and Shareholders' Equity Liabilities: Senior debt $ 17,750 $ 12,750 Accounts payable and accrued expenses 196 311 Other liabilities 491 196 Total liabilities 18,437 13,257 Shareholders' equity: Common stock, no par value (100,000,000 shares authorized; 7,633,070 and 7,644,492 issued and outstanding, respectively) 80,342 80,111 Accumulated deficit (11,468 ) (3,031 ) Accumulated other comprehensive income (loss) (1,080 ) 182 Total shareholders' equity 67,794 77,262 Total liabilities and shareholders' equity $ 86,231 $ 90,519 Schedule II Conifer Holdings, Inc. Condensed Financial Information of Registrant Statements of Comprehensive Income (Loss) – Parent Company Only (dollars in thousands) Year Ended December 31, 2016 2015 2014 Revenue Management fees from subsidiaries $ 9,911 $ 8,007 $ 8,100 Other income 51 64 20 Total revenue 9,962 8,071 8,120 Expenses Operating expenses 16,995 13,710 9,962 Interest expense 647 766 584 Total expenses 17,642 14,476 10,546 Loss before equity in earnings (losses) of subsidiaries and income tax benefit (7,680 ) (6,405 ) (2,426 ) Income tax benefit (864 ) (1,025 ) (77 ) Loss before equity earnings (losses) of subsidiaries (6,816 ) (5,380 ) (2,349 ) Equity earnings (losses) in subsidiaries (1,621 ) 5,363 (4,590 ) Net income (loss) (8,437 ) (17 ) (6,939 ) Less net loss attributable to noncontrolling interest — (81 ) (4 ) Net income (loss) attributable to Conifer $ (8,437 ) $ 64 $ (6,935 ) Other Comprehensive Income Equity in other comprehensive income (loss) of subsidiaries (1,262 ) (976 ) 622 Total Comprehensive income (loss) $ (9,699 ) $ (912 ) $ (6,313 ) Schedule II Conifer Holdings, Inc. Condensed Financial Information of Registrant Statement of Cash Flows – Parent Company Only (dollars in thousands) Year Ended December 31, 2016 2015 2014 Cash Flows from Operating Activities Net income (loss) $ (8,437 ) $ (17 ) $ (6,939 ) Adjustments to reconcile net income (loss) to net cash used in operating activities: Depreciation and amortization 364 321 287 Deferred income taxes 288 140 3 Equity in undistributed (income) loss of subsidiaries 1,621 (5,363 ) 4,590 Incentive awards expenses - vesting of RSUs 856 303 — Changes in operating assets and liabilities: Changes in due from / payable to subsidiaries 150 (921 ) (10 ) Other assets (270 ) (396 ) (92 ) Accounts payable and accrued expenses (115 ) (20 ) 86 Other liabilities 120 (480 ) (19 ) Net cash used in operating activities (5,423 ) (6,433 ) (2,094 ) Cash Flows From Investing Activities Contributions to subsidiaries (2,100 ) (7,500 ) (46,006 ) Dividends received from subsidiaries 5,450 2,700 500 Purchases of property and equipment (192 ) (146 ) (434 ) Net cash provided by (used in) investing activities 3,158 (4,946 ) (45,940 ) Cash Flows From Financing Activities Proceeds received from issuance of shares of common stock — 36,066 28,475 Proceeds from issuance of shares of preferred stock — — 6,060 Repurchase of common stock (625 ) — — Repurchase of preferred stock — (6,275 ) — Borrowings under debt arrangements 7,000 4,400 18,500 Repayment of borrowings under debt arrangements (2,000 ) (19,212 ) (4,075 ) Dividends paid to preferred shareholders — (384 ) (191 ) Payment of offering costs — (1,837 ) — Net cash provided by financing activities 4,375 12,758 48,769 Net increase in cash 2,110 1,379 735 Cash at beginning of period 2,529 1,150 415 Cash at end of period $ 4,639 $ 2,529 $ 1,150 Supplemental Disclosure of Cash Flow Information: Interest paid $ 641 $ 844 $ 510 Non-cash dividend received from subsidiaries — 400 — Conifer Holding, Inc. Condensed Financial Information of Registrant Parent Company Only Notes to Condensed Financial Statements 1. Accounting Policies Organization Conifer Holdings, Inc. (the “Parent”) is a Michigan‑domiciled holding company organized for the purpose of managing its insurance entities. The Parent conducts its principal operations through these entities. Basis of Presentation The accompanying condensed financial information should be read in conjunction with the Consolidated Financial Statements and related Notes of Conifer Holdings, Inc. and Subsidiaries. Investments in subsidiaries are accounted for using the equity method. Under the equity method, the investment in subsidiaries is stated at cost plus contributions and equity in undistributed income (loss) of consolidated subsidiaries less dividends received since the date of acquisition. The Parent’s operations consist of income earned from management and administrative services performed for the insurance entities pursuant to intercompany services agreements. These management and administrative services include providing management, marketing, offices and equipment, and premium collection, for which the insurance companies pay fees based on a percentage of gross premiums written. Also, the Parent receives commission income for performing agency services. The primary operating costs of the Parent are salaries and related costs of corporate personnel, including information technology, administrative expenses, and professional fees. The income received from the management and administrative services is used to meet debt service requirements and pay federal income taxes. Estimates and Assumptions Preparation of the condensed financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the condensed financial statements and accompanying disclosures. Those estimates are inherently subject to change, and actual results may ultimately differ from those estimates. Dividends The Parent received cash dividends from its subsidiaries of $5.5 million , $2.7 million and $500,000 for the years ended December 31, 2016, 2015 and 2014, respectively.

Schedule V - Valuation and Qual

Schedule V - Valuation and Qualifying Accounts	12 Months Ended
	Dec. 31, 2016
Valuation and Qualifying Accounts [Abstract]
Schedule V - Valuation and Qualifying Accounts	Schedule V Conifer Holdings, Inc. Valuation and Qualifying Accounts For the Years Ended December 31, 2016, 2015 and 2014 (dollars in thousands) Balance at Beginning of Period Charged to Expense Decrease to Other Comprehensive Income Deductions from Allowance Account Balance at End of Period Valuation for Deferred Tax Assets 2016 $ 5,160 $ 2,808 $ 421 $ — $ 8,389 2015 $ 6,917 $ — $ — $ (1,757 ) $ 5,160 2014 $ 4,634 2,283 — — $ 6,917

Summary of Significant Accoun32

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2016
Accounting Policies [Abstract]
Basis of Presentation and Management Representation	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"), Red Cedar Insurance Company ("RCIC"), White Pine Insurance Company ("WPIC"), and Sycamore Insurance Agency, Inc ("SIA"). CIC, WPIC, and RCIC are collectively referred to as the "Insurance Company Subsidiaries." On a stand-alone basis Conifer Holdings, Inc is referred to as the "Parent Company." On December 30, 2016, the Company's wholly owned subsidiary, American Colonial Insurance Company ("ACIC") was merged into WPIC. 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.
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. 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.
Cash and Short-term Investments	Cash consists of cash deposits in banks, generally in operating accounts. Short-term investments, consisting of money-market funds, are classified as investments in the consolidated balance sheets as they relate principally to the Company’s investment activities. The Company maintains its cash deposits in major banks and invests short-term funds in institutional money-market funds and short-term financial instruments. These securities typically mature within three months or less.
Investment Securities and Other-than-temporary Impairments	Investment securities, consisting of fixed maturity securities and equity securities, are classified as available for sale and reported at fair value. The Company determines the fair value using the market approach, which uses quoted prices or other relevant data based on market transactions involving identical or comparable assets. The Company purchases the available-for-sale fixed maturity securities with the expectation that they will be held to maturity, but the Company may sell them if market conditions or credit‑related risk warrant earlier sales. The Company does not have any securities classified as held to maturity or trading. The change in unrealized gain and loss on the investment securities is recorded as a component of accumulated other comprehensive income (loss), net of the related deferred tax effect, until realized. The fixed maturity securities portfolio includes mortgage-backed and asset-backed securities. The Company recognizes income from these securities using a constant effective yield based on anticipated prepayments and the estimated economic life of the securities. When actual prepayments differ significantly from anticipated prepayments, the estimated economic life is recalculated and the remaining unamortized premium or discount is amortized prospectively over the remaining economic life. Premiums and discounts on mortgage-backed and asset-backed securities are amortized or accreted over the life of the related available‑for‑sale security as an adjustment to yield using the effective interest method. Such amortization and accretion is included in interest income in the consolidated statements of operations. Dividend and interest income are recognized when earned. Realized gains and losses from the sale of available-for-sale securities are determined on a specific-identification basis and included in earnings on the trade date. The Company reviews its impaired securities for possible other-than-temporary impairment ("OTTI") at each quarter-end. A security has an impairment loss when its fair value is less than its cost or amortized cost at the balance sheet date. The Company considers the following factors in performing its review: (i) the amount by which the security’s fair value is less than its cost, (ii) length of time the security has been impaired, (iii) whether management has the intent to sell the security, (iv) if it is more likely than not that management will be required to sell the security before recovery of its amortized cost basis, (v) whether the impairment is due to an issuer‑specific event, credit issues or change in market interest rates, (vi) the security’s credit rating and any recent downgrades or (vii) stress testing of expected cash flows under different scenarios. If the Company determines that a security has experienced an OTTI, the impairment is recognized as a realized investment loss in the consolidated statements of operations. For each impaired security, the Company determines if: (i) it does not intend to sell the security and (ii) it will more likely than not be required to sell the security before recovery of its amortized cost basis. If the Company cannot assert these conditions, an OTTI loss is recorded through the consolidated statements of operations in the current period. For all other impaired securities, except equity securities, the Company will assess whether the net present value of the cash flows expected to be collected from the security is less than its amortized cost basis. Such a shortfall in cash flows is referred to as a “credit loss.” For any such security, the Company separates the impairment loss into: (i) the credit loss and (ii) the non-credit loss, which is the amount related to all other factors such as interest rate changes, fluctuations in exchange rates and market conditions. The credit loss charge is recorded to the current period statements of operations and the non-credit loss is recorded to accumulated other comprehensive income (loss), within shareholders’ equity, on an after-tax basis. A security’s cost basis is permanently reduced by the amount of a credit loss. Income is accreted over the remaining life of a fixed maturity security based on the interest rate necessary to discount the expected future cash flows to the new basis. If the security is non-income producing, any cash proceeds is applied as a reduction of principal when received. For equity securities, if the impairment is deemed an OTTI, the loss is recognized in the statements of operations.
Recognition of Premium Revenues	All of the property and casualty policies written by our insurance companies are considered short-duration contracts. These policies are earned on a daily pro-rata basis, net of reinsurance, over the term of the policy, which are six or twelve months in duration. The portion of premiums written that relate to the unexpired terms of policies in force are deferred and reported as unearned premium at the balance sheet date. Premiums on reinsured business are accounted for on a basis consistent with that used in accounting for the original policies issued and terms of the reinsurance contracts.
Reinsurance	Reinsurance premiums, commissions, losses and loss adjustment expenses ("LAE") on reinsured business are accounted for on a basis consistent with that used in accounting for the original policies issued and the terms of the reinsurance contracts. The amounts reported as reinsurance recoverables include amounts billed to reinsurers on losses and LAE paid as well as estimates of amounts expected to be recovered from reinsurers on insurance liabilities that have not yet been paid. Reinsurance recoverables on unpaid losses and LAE are estimated based upon assumptions consistent with those used in establishing those gross liabilities as they are applied to the underlying reinsured contracts. The Company records an allowance for uncollectible reinsurance recoverables based on an assessment of the reinsurer’s creditworthiness and collectability of the recorded amounts. Management believes an allowance for uncollectible recoverable from its reinsurers was not necessary for the periods presented. The Company receives ceding commissions in connection with certain ceded reinsurance. The ceding commissions are recorded as a reduction of operating expenses.
Deferred Policy Acquisition Costs	Costs incurred which are incremental and directly related to the successful acquisition of new or renewal insurance business is deferred. These deferred costs consist of commissions paid to agents, premium taxes, and underwriting costs, including compensation and payroll related benefits. Proceeds from reinsurance transactions that represent recovery of acquisition costs reduce applicable unamortized acquisition costs in such a manner that net acquisition costs are capitalized and charged to expense. Amortization of such policy acquisition costs is charged to expense in proportion to premium earned over the estimated policy term. To the extent that unearned premiums on existing policies are not adequate to cover the sum of expected losses and LAE, unamortized acquisition costs and policy maintenance costs, unamortized deferred policy acquisition costs are charged to expense to the extent required to eliminate the premium deficiency. If the premium deficiency is greater than the unamortized policy acquisition costs, a liability is recorded for any such deficiency. The Company considers anticipated investment income in determining whether a premium deficiency exists. Management performs this evaluation at each insurance product line level.
Unpaid Losses and Loss Adjustment Expenses	The liability for unpaid losses and LAE in the consolidated balance sheets represents the Company’s estimate of the amount it expects to pay for the ultimate cost of all losses and LAE incurred that remain unpaid at the balance sheet date. The liability is recorded on an undiscounted basis, except for the liability for unpaid losses and LAE assumed related to acquired companies which are initially recorded at fair value. The process of estimating the liability for unpaid losses and LAE is a complex process that requires a high degree of judgment. The liability for unpaid losses and LAE represent the accumulation of individual case estimates for reported losses and LAE, and actuarially determined estimates for incurred but not reported losses and LAE. The liability for unpaid losses and LAE is intended to include the ultimate net cost of all losses and LAE incurred but unpaid as of the balance sheet date. The liability is stated net of anticipated deductibles, salvage and subrogation, and gross of reinsurance ceded. The estimate of the unpaid losses and LAE liability is continually reviewed and updated. Although management believes the liability for losses and LAE is reasonable, the ultimate liability may be more or less than the current estimate. The estimation of ultimate liability for unpaid losses and LAE is a complex, imprecise and inherently uncertain process, and therefore involves a considerable degree of judgment and expertise. The Company utilizes various actuarially‑accepted reserving methodologies in deriving the continuum of expected outcomes and ultimately determining its estimated liability amount. These methodologies utilize various inputs, including but not limited to written and earned premiums, paid and reported losses and LAE, expected initial loss and LAE ratio, which is the ratio of incurred losses and LAE to earned premiums, and expected claim reporting and payout patterns (including company-specific and industry data). The liability for unpaid loss and LAE does not represent an exact measurement of liability, but is an estimate that is not directly or precisely quantifiable, particularly on a prospective basis, and is subject to a significant degree of variability over time. In addition, the establishment of the liability for unpaid losses and LAE makes no provision for the broadening of coverage by legislative action or judicial interpretation or for the extraordinary future emergence of new types of losses not sufficiently represented in the Company’s historical experience or which cannot yet be quantified. As a result, an integral component of estimating the liability for unpaid losses and LAE is the use of informed subjective estimates and judgments about the ultimate exposure to unpaid losses and LAE. The effects of changes in the estimated liability are included in the results of operations in the period in which the estimates are revised. The Company allocates the applicable portion of the unpaid losses and LAE to amounts recoverable from reinsurers under reinsurance contracts and reports those amounts separately as assets on the consolidated balance sheets.
Income Taxes	Income taxes are accounted for under the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carryforwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Deferred tax assets are recognized to the extent that there is sufficient positive evidence, as allowed under the Accounting Standard Codification ("ASC") 740, Income Taxes, to support the recoverability of those deferred tax assets. The Company establishes a valuation allowance to the extent that there is insufficient evidence to support the recoverability of the deferred tax asset under ASC 740. In making such a determination, management considers all available positive and negative evidence, including future reversals of existing taxable temporary differences, projected future taxable income, tax‑planning strategies, and results of recent operations. If it is determined that the deferred tax assets would be realizable in the future in excess of their net recorded amount, an adjustment would be made to the deferred tax asset valuation allowance, which would reduce the provision for income taxes.
Other Income	Other income consists primarily of fees charged to policyholders by the Company for services outside of the premium charge, such as installment billings or policy issuance costs. Commission income is also received by the Company’s insurance agencies for writing policies for third party insurance companies. The Company recognizes commission income on the later of the effective date of the policy, the date when the premium can be reasonably established, or the date when substantially all services related to the insurance placement have been rendered.
Operating Expenses	Operating expenses consist primarily of other underwriting, compensation and benefits, information technology, facility and other administrative expenses.
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 Company adopted this new guidance as of December 31, 2016, as required, and included the required disclosures in Note 5 ~ Unpaid Losses and Loss Adjustment Expenses . 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-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. Management is currently evaluating the impact of the guidance. 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. Management is currently evaluating the impact of the guidance. In August 2016, the FASB issued ASU No. 2016-15, Statement of Cash Flows (Topic 230) , which clarifies how certain cash receipts and cash payments should be presented and classified in the statement of cash flow under Topic 230, Statement of Cash Flows . This update addresses eight specific cash flow issues with the objective of reducing the existing diversity in practice. This ASU is effective for annual and interim reporting periods beginning after December 15, 2017. Early adoption is permitted. Management is currently evaluating the impact of the guidance.

Investments (Tables)

Investments (Tables)	12 Months Ended
	Dec. 31, 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 December 31, 2016 and 2015 were as follows (dollars in thousands): December 31, 2016 Cost or Amortized Cost Gross Unrealized Estimated Fair Value Gains Losses Fixed maturity securities: U.S. Government obligations $ 5,908 $ 31 $ (36 ) $ 5,903 State and local government 13,618 106 (205 ) 13,519 Corporate debt 34,105 205 (254 ) 34,056 Commercial mortgage and asset-backed 60,284 132 (731 ) 59,685 Total fixed maturity securities available for sale 113,915 474 (1,226 ) 113,163 Equity securities: Common stocks - Public Utilities 159 25 (1 ) 183 Common stocks - Banks, Trusts and Insurance Companies 681 85 (9 ) 757 Common stocks - Industrial, miscellaneous and all other 3,443 256 (60 ) 3,639 Total equity securities available for sale 4,283 366 (70 ) 4,579 Total securities available for sale $ 118,198 $ 840 $ (1,296 ) $ 117,742 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 and 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 Securities in 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): December 31, 2016 Less than 12 months Greater than 12 months Total No. of Issues Fair Value of Investments with Unrealized Losses Gross Unrealized Losses No. of Issues Fair Value of Investments with Unrealized Losses Gross Unrealized Losses No. of Issues Fair Value of Investments with Unrealized Losses Gross Unrealized Losses Fixed maturity securities: U.S. Government obligations 15 $ 4,539 $ (36 ) — $ — $ — 15 $ 4,539 $ (36 ) State and local government 29 8,217 (202 ) 1 104 (3 ) 30 8,321 (205 ) Corporate debt 22 9,031 (239 ) 7 3,369 (15 ) 29 12,400 (254 ) Commercial mortgage and asset-backed 59 38,048 (722 ) 5 802 (9 ) 64 38,850 (731 ) Total fixed maturity securities available for sale 125 59,835 (1,199 ) 13 4,275 (27 ) 138 64,110 (1,226 ) Equity securities: Common stock 76 2,472 (61 ) 2 66 (9 ) 78 2,538 (70 ) Total equity securities available for sale 76 2,472 (61 ) 2 66 (9 ) 78 2,538 (70 ) Total securities 201 $ 62,307 $ (1,260 ) 15 $ 4,341 $ (36 ) 216 $ 66,648 $ (1,296 ) December 31, 2015 Less than 12 months Greater than 12 months Total No. of Issues Fair Value of Investments with Unrealized Losses Gross Unrealized Losses No. of Issues Fair Value of Investments with Unrealized Losses Gross Unrealized Losses No. of Issues Fair Value of Investments with Unrealized Losses Gross Unrealized 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 )
Summary of Investment Income	The Company’s sources of net investment income are as follows (dollars in thousands): December 31, 2016 2015 2014 Fixed maturity securities $ 2,370 $ 2,110 $ 1,289 Equity securities 98 92 78 Cash and short-term investments 21 5 9 Total investment income 2,489 2,207 1,376 Investment expenses (316 ) (305 ) (201 ) Net investment income $ 2,173 $ 1,902 $ 1,175
Summary 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, as follows (dollars in thousands): December 31, 2016 2015 2014 Fixed maturity securities: Gross realized gains $ 587 $ 92 $ 47 Gross realized losses (24 ) (6 ) (29 ) Total fixed maturity securities 563 86 18 Equity securities: Gross realized gains 1,198 290 449 Gross realized losses (396 ) (91 ) (50 ) Total equity securities 802 199 399 Total net investment realized gains $ 1,365 $ 285 $ 417
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 December 31, 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 $ 9,650 $ 9,656 Due after one year through five years 24,693 24,721 Due after five years through ten years 10,986 10,945 Due after ten years 8,302 8,156 Securities with contractual maturities 53,631 53,478 Commercial mortgage and asset backed 60,284 59,685 Total fixed maturity securities $ 113,915 $ 113,163

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 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, classified by the valuation hierarchy as of December 31, 2016 and 2015 (dollars in thousands): December 31, 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 $ 5,903 $ — $ 5,903 $ — State and local government 13,519 — 13,519 — Corporate debt 34,056 — 34,056 — Commercial mortgage and asset-backed 59,685 — 59,685 — Total fixed maturity securities 113,163 — 113,163 — Equity Securities 4,579 4,469 110 — Short-term investments 10,788 10,788 — — Total assets measured at fair value $ 128,530 $ 15,257 $ 113,273 $ — Liabilities: Senior debt* $ 17,750 $ — $ 17,750 $ — Total Liabilities measured at fair value $ 17,750 $ — $ 17,750 $ — * 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 and asset-backed 48,018 — 48,018 — Total fixed maturity securities 107,093 — 107,093 — Equity Securities 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 C35

Deferred Policy Acquisition Costs (Tables)	12 Months Ended
	Dec. 31, 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): December 31, 2016 2015 2014 Balance at beginning of period $ 12,102 $ 5,679 $ 5,747 Deferred policy acquisition costs 26,468 22,606 14,628 Amortization of policy acquisition costs (25,280 ) (16,183 ) (14,696 ) Net change 1,188 6,423 (68 ) Balance at end of period $ 13,290 $ 12,102 $ 5,679

Unpaid Losses and Loss Adjust36

Unpaid Losses and Loss Adjustment Expenses (Tables)	12 Months Ended
	Dec. 31, 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 recoverables from reinsurers, for the periods indicated as follows (dollars in thousands): 2016 2015 2014 Gross reserves - beginning of period $ 35,422 $ 31,531 $ 28,908 Less: reinsurance recoverables on unpaid losses 5,405 3,224 3,953 Net reserves - beginning of period 30,017 28,307 24,955 Add: incurred losses and loss adjustment expenses, net of reinsurance Current period 48,782 37,422 41,923 Prior period 10,221 1,460 (1,193 ) Total net incurred losses and loss adjustment expenses 59,003 38,882 40,730 Deduct: loss and loss adjustment expense payments, net of reinsurance Current period 20,828 20,635 24,134 Prior period 20,199 16,537 13,244 Total net loss and loss adjustment expense payments 41,027 37,172 37,378 Net reserves - end of period 47,993 30,017 28,307 Plus: reinsurance recoverables on unpaid losses 6,658 5,405 3,224 Gross reserves - end of period $ 54,651 $ 35,422 $ 31,531
Short-duration Insurance Contracts, Claims Development	The following tables represent cumulative paid loss and allocated loss adjustment expenses ("ALAE"), net of reinsurance, by accident year and incurred loss and allocated loss adjustment expenses, net of reinsurance, by accident year, for the years ended December 31, 2009 to 2016, as well as total IBNR and the cumulative number of reported claims for the year ended December 31, 2016, by reportable segment and accident year, (dollars in thousands). Commercial Lines Incurred loss and allocated loss adjustment expenses, net of reinsurance Total IBNR Cumulative number of reported claims Accident Year For the years ended December 31, 2009* 2010* 2011* 2012* 2013* 2014* 2015* 2016 2016 2016 2009 11,400 12,066 10,312 8,943 8,232 8,403 8,359 8,414 13 877 2010 7,346 8,568 7,255 6,357 6,170 6,074 6,207 10 770 2011 6,753 5,758 5,326 5,049 4,932 4,903 27 590 2012 7,745 6,421 6,288 6,384 6,253 76 560 2013 10,018 9,435 9,893 10,237 334 596 2014 19,709 19,907 22,711 749 1,726 2015 22,442 26,633 2,810 2,269 2016 32,396 13,002 3,101 Total 117,754 Cumulative paid loss and allocated loss adjustment expenses, net of reinsurance Accident Year For the years ended December 31, 2009* 2010* 2011* 2012* 2013* 2014* 2015* 2016 2009 4,436 5,942 6,410 7,233 7,800 7,867 7,933 8,321 2010 3,066 4,488 5,219 5,910 6,040 6,065 6,166 2011 2,645 3,534 3,964 4,449 4,641 4,744 2012 2,325 3,703 4,696 5,558 5,994 2013 3,979 6,211 7,643 8,622 2014 8,715 13,977 17,458 2015 10,470 17,817 2016 10,255 Total 79,377 Unpaid losses and ALAE - years 2009 through 2016 38,377 Unpaid losses and ALAE - prior to 2009 (1)* 241 Unpaid losses and ALAE, net of reinsurance 38,618 * Presented as unaudited required supplementary information. (1) The Company's formation was in 2009, however, as a result of the acquisition of WPIC in 2010, incurred losses prior to the 2009 accident year remain outstanding. Personal Lines Incurred loss and allocated loss adjustment expenses, net of reinsurance Total IBNR Cumulative number of reported claims Accident Year For the years ended December 31, 2009* 2010* 2011* 2012* 2013* 2014* 2015* 2016 2016 2016 2009 667 639 634 634 634 634 634 634 — 65 2010 320 188 184 184 184 184 184 — 77 2011 1,678 1,758 1,981 2,031 2,030 2,043 11 717 2012 9,960 11,690 11,740 12,159 12,390 85 3,300 2013 18,034 17,996 18,925 19,138 205 5,095 2014 17,951 17,471 17,735 221 3,619 2015 10,877 13,445 221 2,104 2016 11,619 1,113 1,679 Total 77,188 Cumulative paid loss and allocated loss adjustment expenses, net of reinsurance Accident Year For the years ended December 31, 2009* 2010* 2011* 2012* 2013* 2014* 2015* 2016 2009 537 634 634 634 634 634 634 634 2010 151 174 184 184 184 184 184 2011 787 1,292 1,633 1,859 1,983 2,021 2012 5,665 9,251 10,844 11,777 12,202 2013 9,955 15,883 18,052 18,600 2014 12,819 16,515 17,260 2015 7,771 11,873 2016 7,119 Total 69,893 Unpaid losses and ALAE, net of reinsurance 7,295 * Presented as unaudited required supplementary information. Total Lines Incurred loss and allocated loss adjustment expenses, net of reinsurance Total IBNR Cumulative number of reported claims Accident Year For the years ended December 31, 2009* 2010* 2011* 2012* 2013* 2014* 2015* 2016 2016 2016 2009 12,067 12,705 10,946 9,577 8,866 9,037 8,993 9,048 13 942 2010 7,666 8,756 7,439 6,541 6,354 6,258 6,391 10 847 2011 8,431 7,516 7,307 7,080 6,962 6,946 38 1,307 2012 17,705 18,111 18,028 18,543 18,643 161 3,860 2013 28,052 27,431 28,818 29,375 539 5,691 2014 37,660 37,378 40,446 970 5,345 2015 33,319 40,078 3,031 4,373 2016 44,015 14,115 4,780 Total 194,942 Cumulative paid loss and allocated loss adjustment expenses, net of reinsurance Accident Year For the years ended December 31, 2009* 2010* 2011* 2012* 2013* 2014* 2015* 2016 2009 4,973 6,576 7,044 7,867 8,434 8,501 8,567 8,955 2010 3,217 4,662 5,403 6,094 6,224 6,249 6,350 2011 3,432 4,826 5,597 6,308 6,624 6,765 2012 7,990 12,954 15,540 17,335 18,196 2013 13,934 22,094 25,695 27,222 2014 21,534 30,492 34,718 2015 18,241 29,690 2016 17,374 Total 149,270 Unpaid losses and ALAE - years 2009 through 2016 45,672 Unpaid losses and ALAE - prior to 2009* 241 Unpaid losses and ALAE, net of reinsurance 45,913 * Presented as unaudited required supplementary information.
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability	The following table reconciles the claim development information to the Consolidated Balance Sheet for the year ended December 31, 2016 , by reportable segment (dollars in thousands). December 31, 2016 Net outstanding liabilities for unpaid claims and ALAE Commercial Lines 38,618 Personal Lines 7,295 Liabilities for unpaid claims and ALAE, net or reinsurance 45,913 Reinsurance recoverable on unpaid claims Commercial Lines 6,482 Personal Lines 176 Total reinsurance recoverable on unpaid claims 6,658 ULAE Expense 2,080 Total gross liability for unpaid claims and LAE 54,651
Loss Duration Schedule	The following table represents the average annual percentage payout of incurred losses by age, net of reinsurance, for each reportable segment. Average annual percentage payout of incurred losses by age, net of reinsurance Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10+ Commercial Lines 37.1 % 24.2 % 18.3 % 9.8 % 5.2 % 2.6 % 1.6 % 0.9 % 0.1 % 0.2 % Personal Lines 65.5 % 15.5 % 13.8 % 5.1 % 0.1 % — % — % — % — % — % Total Lines 40.8 % 23.0 % 17.7 % 9.2 % 4.5 % 2.3 % 1.4 % 0.8 % 0.1 % 0.2 %

Reinsurance (Tables)

Reinsurance (Tables)	12 Months Ended
	Dec. 31, 2016
Reinsurance Disclosures [Abstract]
Summary of the Effects of Reinsurance	The following table presents the effects of such reinsurance and assumption transactions on written premiums, earned premiums and losses and LAE (dollars in thousands): Year Ended December 31, 2016 2015 2014 Written premiums: Direct $ 89,915 $ 90,503 $ 78,296 Assumed 25,008 3,247 5,551 Ceded (14,994 ) (14,076 ) (17,548 ) Net written premiums $ 99,929 $ 79,674 $ 66,299 Earned premiums: Direct $ 90,660 $ 82,614 $ 66,608 Assumed 14,053 6,602 361 Ceded (15,086 ) (22,451 ) (9,441 ) Net earned premiums $ 89,627 $ 66,765 $ 57,528 Loss and loss adjustment expenses: Direct $ 59,940 $ 43,989 $ 43,894 Assumed 11,955 2,756 107 Ceded (12,892 ) (7,863 ) (3,271 ) Net Loss and loss adjustment expenses $ 59,003 $ 38,882 $ 40,730

Senior Debt (Tables)

Senior Debt (Tables)	12 Months Ended
	Dec. 31, 2016
Debt Disclosure [Abstract]
Schedule of Outstanding Senior Debt	A summary of the outstanding senior debt at December 31, 2016 is as follows (in thousands): December 31, 2016 2015 Revolver $ 10,500 $ 3,500 Term Note 1,750 2,750 2014 Term Note 5,500 6,500 Total 17,750 12,750

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2016
Income Tax Disclosure [Abstract]
Schedule of Income Tax Expense (Benefit)	The income tax expense (benefit) is comprised of the following (dollars in thousands): Year Ended December 31, 2016 2015 2014 Current tax expense (benefit) $ 70 $ 48 $ 3 Deferred tax expense (benefit) (147 ) — (284 ) Total income tax expense (benefit) $ (77 ) $ 48 $ (281 )
Summary of Income Tax Expense (Benefit) Reconciliation	The income tax expense (benefit) differed from the amounts computed by applying the statutory U.S. federal income tax rate of 34% to pretax income as a result of the following (dollars in thousands): Year Ended December 31, 2016 2015 2014 Income (loss) before income taxes $ (8,643 ) $ 83 $ (7,220 ) Deconsolidation of affiliate — 55 — Statutory U.S. federal income tax rate (2,939 ) 28 (2,455 ) State income taxes, net of federal benefit (3 ) (72 ) (246 ) Tax‑exempt investment income and dividend received deduction (106 ) (116 ) (66 ) Nondeductible acquisition costs and purchase adjustments — — 143 Nondeductible meals and entertainment 61 45 30 Valuation allowance on deferred tax assets 2,808 (2,050 ) 2,283 Net operating loss write-off — 2,150 — Other 102 8 30 Income tax expense (benefit) $ (77 ) $ 48 $ (281 ) Effective tax rate 0.9 % 57.8 % 3.9 %
Schedule of Deferred Tax Assets and Liabilities	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities are presented below (dollars in thousands): December 31, 2016 2015 Deferred tax assets: Discounted unpaid losses and loss adjustment expenses $ 715 $ 465 Unearned premiums 4,085 3,385 Net operating loss carryforwards 7,757 5,932 State net operating loss carryforwards 223 209 Other 203 (152 ) Gross deferred tax assets 12,983 9,839 Less valuation allowance (8,389 ) (5,160 ) Total deferred tax assets, net of allowance 4,594 4,679 Deferred tax liabilities: Investment basis difference 45 49 Unrealized gains on investments (156 ) 266 Deferred policy acquisition costs 4,519 4,115 Intangible assets 163 307 Property and equipment 202 267 Total deferred tax liabilities 4,773 5,004 Net deferred tax liability $ (179 ) $ (325 )

Statutory Financial Data, Ris40

Statutory Financial Data, Risk-Based Capital and Dividend Restrictions (Tables)	12 Months Ended
	Dec. 31, 2016
Insurance [Abstract]
Summary of Statutory Basis Information	Summarized 2016 , 2015 and 2014 statutory basis information for the non-captive Insurance Company Subsidiaries, which differs from generally accepted accounting principles, is as follows (dollars in thousands). On December 30, 2016, the Company's wholly owned subsidiary, ACIC was merged into WPIC. As a result, 2016 statutory data is shown for the remaining two Insurance Company Subsidiaries, while prior year data is shown for the prior three Insurance Company Subsidiaries, (dollars in thousands). Conifer White Pine 2016: Statutory capital and surplus $ 29,539 $ 32,391 RBC authorized control level 6,676 6,583 Statutory net income (loss) (2,782 ) (1,209 ) RBC % 442.4 % 492.1 % Conifer American Colonial White Pine 2015: Statutory capital and surplus $ 30,637 $ 22,523 $ 17,452 RBC authorized control level 5,390 2,809 2,978 Statutory net income (loss) 387 (2,278 ) 784 RBC % 568.5 % 801.8 % 585.1 % Conifer American Colonial White Pine 2014: Statutory capital and surplus $ 28,304 $ 24,461 $ 13,209 RBC authorized control level 5,008 1,460 2,708 Statutory net income (loss) (2,777 ) (1,670 ) (58 ) RBC % 565.1 % 1,675.7 % 487.7 %

Accumulated Other Comprehensi41

Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 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 (in thousands): Year Ended 2016 2015 Balance at beginning of period $ 182 $ 1,158 Other comprehensive income (loss) before reclassifications (2,139 ) (274 ) Less: amounts reclassified from accumulated other comprehensive income (loss) (877 ) 702 Net current period other comprehensive income (loss) (1,262 ) (976 ) Balance at end of period $ (1,080 ) $ 182

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 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 (in thousands, except share and per share amounts): Year Ended 2016 2015 2014 Net income (loss) attributable to Conifer $ (8,437 ) $ 64 $ (6,935 ) Preferred stock dividends — 384 191 Paid-in-kind dividends — 156 59 Deemed dividend on preferred stock $ — $ — $ 15 Net income (loss) allocable to common shareholders $ (8,437 ) $ (476 ) $ (7,200 ) Weighted average common shares, basic and diluted* 7,618,588 5,369,960 2,672,440 Earnings (loss) per share allocable to common, basic and diluted $ (1.11 ) $ (0.09 ) $ (2.69 ) * The non-vested shares of the restricted stock units were anti-dilutive as of December 31, 2016 and December 31, 2015 . Therefore, the basic and diluted weighted average common shares are equal as of December 31, 2016 and December 31, 2015 .

Stock-based Compensation Stock-

Stock-based Compensation Stock-based Compensation (Tables)	12 Months Ended
	Dec. 31, 2016
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Schedule of Nonvested Restricted Stock Units Activity	The following summarizes our RSU activity (units in thousands): Number of Units Weighted Average Grant-Date Fair Value Outstanding at August 12, 2015 (IPO) — $ — Units granted 390 10.48 Units vested — — Units forfeited — — Outstanding at December 31, 2015 390 $ 10.48 Units granted 111 8.17 Units vested (77 ) 10.48 Units forfeited (8 ) 9.95 Outstanding at December 31, 2016 416 $ 9.87
Schedule of Share-based Compensation Arrangement by Share-based Payment Award, Restricted Stock Units, Vested and Expected to Vest	The scheduled vesting for the restricted stock units at December 31, 2016 was as follows (in thousands): Year Ended December 31, 2017 2018 2019 2020 2021 Total Scheduled vesting - RSUs 99 99 99 99 20 416

Commitment and Contingencies (T

Commitment and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2016
Commitments and Contingencies Disclosure [Abstract]
Schedule of Future Minimum Rental Payments for Operating Leases	The future minimum rental payments under non-cancelable operating leases as of December 31, 2016 , are as follows (in thousands): Years Ending December 31, Amount 2017 $ 929 2018 825 2019 642 2020 628 2021 639 2022 and thereafter 1,567 Total future minimum rental payments $ 5,230

Segment Information (Tables)

Segment Information (Tables)	12 Months Ended
	Dec. 31, 2016
Segment Reporting [Abstract]
Schedule of Information by Reportable Segment	The following table summarizes our net earned premiums: Net Earned Premium 2016 2015 2014 Commercial 77 % 73 % 62 % Personal 23 % 27 % 38 % Total 100 % 100 % 100 % The following tables present information by reportable segment (dollars in thousands): Year Ended December 31, 2016 Commercial Lines Personal Lines Corporate & Other Total Gross written premiums $ 88,242 $ 26,681 $ — $ 114,923 Net written premiums $ 78,439 $ 21,490 $ — $ 99,929 Net earned premiums $ 68,921 $ 20,706 $ — $ 89,627 Other income 378 558 182 1,118 Segment revenue 69,299 21,264 182 90,745 Loss and loss adjustment expenses, net 42,441 16,562 — 59,003 Policy acquisition costs 18,560 6,720 — 25,280 Operating expenses 6,767 2,911 7,918 17,596 Segment expenses 67,768 26,193 7,918 101,879 Segment underwriting gain (loss) $ 1,531 $ (4,929 ) $ (7,736 ) $ (11,134 ) Investment income 2,173 2,173 Net realized investment gains 1,365 1,365 Other gains (losses) (400 ) (400 ) Interest expense (647 ) (647 ) Income (loss) before income taxes $ (5,245 ) $ (8,643 ) Selected Balance Sheet Data: Deferred policy acquisition costs $ 10,156 $ 3,134 $ — $ 13,290 Unearned premiums 44,484 13,642 — 58,126 Loss and loss adjustment expense reserves 46,917 7,734 — 54,651 Year Ended December 31, 2015 Commercial Lines Personal Lines Corporate & Other Total Gross written premiums $ 68,197 $ 25,553 $ — $ 93,750 Net written premiums $ 58,157 $ 21,517 $ — $ 79,674 Net earned premiums $ 48,586 $ 18,179 $ — $ 66,765 Other income 1,099 489 79 1,667 Segment revenue 49,685 18,668 79 68,432 Loss and loss adjustment expenses, net 25,730 13,152 — 38,882 Policy acquisition costs 11,937 4,246 — 16,183 Operating expenses 4,983 3,305 6,518 14,806 Segment expenses 42,650 20,703 6,518 69,871 Segment underwriting gain (loss) $ 7,035 $ (2,035 ) $ (6,439 ) $ (1,439 ) Investment income 1,902 1,902 Net realized investment gains 285 285 Other gains (losses) 104 104 Interest expense (769 ) (769 ) Income (loss) before income taxes $ (4,917 ) $ 83 Selected Balance Sheet Data: Deferred policy acquisition costs $ 8,401 $ 3,701 $ — $ 12,102 Unearned premiums 33,337 14,579 — 47,916 Loss and loss adjustment expense reserves 29,739 5,683 — 35,422 Year Ended December 31, 2014 Commercial Lines Personal Lines Corporate & Other Total Gross written premiums $ 55,056 $ 28,791 $ — $ 83,847 Net written premiums $ 40,958 $ 25,341 $ — $ 66,299 Net earned premiums $ 35,749 $ 21,779 $ — $ 57,528 Other income 918 904 (13 ) 1,809 Segment revenue 36,667 22,683 (13 ) 59,337 Loss and loss adjustment expenses, net 20,621 20,109 — 40,730 Policy acquisition costs 9,209 5,487 — 14,696 Operating expenses 4,566 2,453 5,120 12,139 Segment expenses 34,396 28,049 5,120 67,565 Segment underwriting gain (loss) $ 2,271 $ (5,366 ) $ (5,133 ) $ (8,228 ) Investment income 1,175 1,175 Net realized investment gains 417 417 Interest expense (584 ) (584 ) Income (loss) before income taxes $ (4,125 ) $ (7,220 ) Selected Balance Sheet Data: Deferred policy acquisition costs $ 4,247 $ 1,432 $ — $ 5,679 Unearned premiums 29,062 14,319 — 43,381 Loss and loss adjustment expense reserves 22,451 9,080 — 31,531

Quarterly Financial Data (Una46

Quarterly Financial Data (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2016
Quarterly Financial Information Disclosure [Abstract]
Summary of Quarterly Financial Results	The following is a summary of quarterly results of operations for 2016 and 2015 (in thousands, except per share and ratio data). The fluctuations between periods and changes in reserves, as disclosed in Note 5, are due to the normal fluctuations in operations from quarter to quarter. 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 2016: Gross premiums written $ 25,393 29,725 28,497 31,308 Net premiums written $ 22,050 $ 26,176 $ 24,634 $ 27,069 Net premiums earned $ 20,109 $ 21,675 $ 23,380 $ 24,463 Net investment income 537 528 560 548 Net realized gains (8 ) 541 71 761 Other gains (losses) — — — (400 ) Other income 245 283 303 287 Losses and loss adjustment expenses, net 12,699 13,541 14,582 18,181 Policy acquisition costs 6,003 6,014 6,266 6,997 Operating expenses 4,139 4,536 4,710 4,211 Interest expense 157 143 168 179 Income tax (benefit) expense — (623 ) 16 530 Equity earnings (losses) in affiliates, net of tax 87 71 (47 ) 18 Net income (loss) $ (2,028 ) $ (513 ) $ (1,475 ) $ (4,421 ) Net income (loss) allocable to common shareholders $ (2,028 ) $ (513 ) $ (1,475 ) $ (4,421 ) Diluted earnings (loss) per common share (1) $ (0.27 ) $ (0.07 ) $ (0.19 ) $ (0.58 ) Combined ratio (2) 112.2 % 109.7 % 107.9 % 118.7 % 2015: Gross premiums written $ 21,204 23,059 24,242 25,245 Net premiums written $ 13,666 $ 15,942 $ 28,599 $ 21,467 Net premiums earned $ 14,493 $ 15,115 $ 17,883 $ 19,274 Net investment income 486 469 505 442 Net realized gains 145 87 6 47 Other gains (losses) — — 104 — Other income 489 480 523 175 Losses and loss adjustment expenses, net 8,570 8,976 9,813 11,523 Policy acquisition costs 2,595 2,639 4,605 6,344 Operating expenses 3,692 3,619 3,325 4,170 Interest expense 244 239 181 105 Income tax (benefit) expense — 48 (48 ) 48 Equity losses in affiliates, net of tax — — — (52 ) Net income (loss) $ 512 $ 630 $ 1,145 $ (2,304 ) Net income (loss) allocable to common shareholders $ 250 $ 366 $ 1,212 $ (2,304 ) Diluted earnings (loss) per common share (1) $ 0.06 $ 0.09 $ 0.21 $ (0.30 ) Combined ratio (2) 99.2 % 97.7 % 96.4 % 113.3 % (1) Due to the changes in the equity structure of the Company (Note ~ 10 Shareholders' Equity) the weighted average common shares outstanding has fluctuated over the past two years and therefore the quarterly diluted earnings (loss) per common share does not total the full-year earnings (loss) per common share stated on the face of the Consolidated Statements of Operations. (2) The combined ratio is the sum of the loss ratio and the expense ratio. The loss ratio is the ratio, expressed as a percentage, of net losses and LAE to net premiums earned and other income. The expense ratio is the ratio, expressed as a percentage, of policy acquisition costs and operating expenses to net earned premiums and other income.

Summary of Significant Accoun47

Summary of Significant Accounting Policies (Details Textual)	1 Months Ended	12 Months Ended
	Aug. 31, 2015$ / sharesshares	Dec. 31, 2016USD ($)statebusiness	Dec. 31, 2015USD ($)	Sep. 29, 2015
Subsidiary, Sale of Stock [Line Items]
Number of operating segments | business		2
Number of states in which entity operates | state		50
Ownership percentage				50.00%
Unrecognized tax benefits | $		$ 0	$ 0
Income tax penalties and interest accrued | $		$ 0	$ 0
IPO [Member]
Subsidiary, Sale of Stock [Line Items]
Stock issued during period (in shares) | shares	3,300,000
Price per share (in dollars per share) | $ / shares	$ 10.50
IPO [Member] | Chief Executive Officer [Member]
Subsidiary, Sale of Stock [Line Items]
Stock issued during period (in shares) | shares	100,000

Investments (Details Textual)

Investments (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Investments, Debt and Equity Securities [Abstract]
Proceeds from sale of debt and equity securities	$ 38,300	$ 9,200	$ 1,300
Deposits in trust accounts to meet requirements of state insurance departments	9,600	8,900
Deposits in trust accounts to meet collateral requirements with reinsurers	$ 10,300	$ 169

Investments - Available-for-sal

Investments - Available-for-sale Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Schedule of Available-for-sale Securities [Line Items]
Total fixed maturity securities available for sale	$ 113,915	$ 107,213
Fixed maturity securities, Gross Unrealized Gain	474	693
Fixed maturity securities, Gross Unrealized Loss	(1,226)	(813)
Fixed maturity securities, Estimated Fair Value	113,163	107,093
Equity securities, Amortized Cost	4,283	3,341
Equity securities, Gross Unrealized Gain	366	1,006
Equity securities, Gross Unrealized Loss	(70)	(107)
Equity securities, Estimated Fair Value	4,579	4,240
Securities, Cost or Amortized Cost	118,198	110,554
Securities, Gross Unrealized Gain	840	1,699
Securities, Gross Unrealized Loss	(1,296)	(920)
Securities, Estimated Fair Value	117,742	111,333
U.S. Government obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Total fixed maturity securities available for sale	5,908	5,474
Fixed maturity securities, Gross Unrealized Gain	31	47
Fixed maturity securities, Gross Unrealized Loss	(36)	(13)
Fixed maturity securities, Estimated Fair Value	5,903	5,508
State and local government [Member]
Schedule of Available-for-sale Securities [Line Items]
Total fixed maturity securities available for sale	13,618	14,391
Fixed maturity securities, Gross Unrealized Gain	106	398
Fixed maturity securities, Gross Unrealized Loss	(205)	(6)
Fixed maturity securities, Estimated Fair Value	13,519	14,783
Corporate debt [Member]
Schedule of Available-for-sale Securities [Line Items]
Total fixed maturity securities available for sale	34,105	39,183
Fixed maturity securities, Gross Unrealized Gain	205	84
Fixed maturity securities, Gross Unrealized Loss	(254)	(483)
Fixed maturity securities, Estimated Fair Value	34,056	38,784
Commercial mortgage and asset-backed [Member]
Schedule of Available-for-sale Securities [Line Items]
Total fixed maturity securities available for sale	60,284	48,165
Fixed maturity securities, Gross Unrealized Gain	132	164
Fixed maturity securities, Gross Unrealized Loss	(731)	(311)
Fixed maturity securities, Estimated Fair Value	59,685	48,018
Common stocks - Public Utilities [Member]
Schedule of Available-for-sale Securities [Line Items]
Equity securities, Amortized Cost	159	122
Equity securities, Gross Unrealized Gain	25	20
Equity securities, Gross Unrealized Loss	(1)	(1)
Equity securities, Estimated Fair Value	183	141
Common stocks - Banks, Trusts and Insurance Companies [Member]
Schedule of Available-for-sale Securities [Line Items]
Equity securities, Amortized Cost	681	503
Equity securities, Gross Unrealized Gain	85	150
Equity securities, Gross Unrealized Loss	(9)	(7)
Equity securities, Estimated Fair Value	757	646
Common stocks - Industrial, miscellaneous and all other [Member]
Schedule of Available-for-sale Securities [Line Items]
Equity securities, Amortized Cost	3,443	2,716
Equity securities, Gross Unrealized Gain	256	836
Equity securities, Gross Unrealized Loss	(60)	(99)
Equity securities, Estimated Fair Value	$ 3,639	$ 3,453

Investments - Available-for-s50

Investments - Available-for-sale Securities in Unrealized Loss Positions (Details) $ in Thousands	Dec. 31, 2016USD ($)security	Dec. 31, 2015USD ($)security
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months, number of issues | security	201	248
Greater than 12 months, number of issues | security	15	22
Number of Issues | security	216	270
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, fair value	$ 62,307	$ 60,349
Greater than 12 months, fair value	4,341	6,551
Fair Value	66,648	66,900
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 months, unrealized losses	(1,260)	(781)
Greater than 12 months, unrealized losses	(36)	(139)
Unrealized losses	$ (1,296)	$ (920)
U.S. Government obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months, number of issues | security	15	7
Greater than 12 months, number of issues | security	0	2
Number of Issues | security	15	9
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, fair value	$ 4,539	$ 2,580
Greater than 12 months, fair value	0	679
Fair Value	4,539	3,259
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 months, unrealized losses	(36)	(7)
Greater than 12 months, unrealized losses	0	(6)
Unrealized losses	$ (36)	$ (13)
State and local government [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months, number of issues | security	29	8
Greater than 12 months, number of issues | security	1	0
Number of Issues | security	30	8
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, fair value	$ 8,217	$ 2,688
Greater than 12 months, fair value	104	0
Fair Value	8,321	2,688
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 months, unrealized losses	(202)	(6)
Greater than 12 months, unrealized losses	(3)	0
Unrealized losses	$ (205)	$ (6)
Corporate debt [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months, number of issues | security	22	80
Greater than 12 months, number of issues | security	7	12
Number of Issues | security	29	92
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, fair value	$ 9,031	$ 21,760
Greater than 12 months, fair value	3,369	3,618
Fair Value	12,400	25,378
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 months, unrealized losses	(239)	(438)
Greater than 12 months, unrealized losses	(15)	(45)
Unrealized losses	$ (254)	$ (483)
Commercial mortgage and asset-backed [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months, number of issues | security	59	67
Greater than 12 months, number of issues | security	5	5
Number of Issues | security	64	72
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, fair value	$ 38,048	$ 32,539
Greater than 12 months, fair value	802	2,175
Fair Value	38,850	34,714
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 months, unrealized losses	(722)	(258)
Greater than 12 months, unrealized losses	(9)	(53)
Unrealized losses	$ (731)	$ (311)
Fixed maturity securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months, number of issues | security	125	162
Greater than 12 months, number of issues | security	13	19
Number of Issues | security	138	181
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, fair value	$ 59,835	$ 59,567
Greater than 12 months, fair value	4,275	6,472
Fair Value	64,110	66,039
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 months, unrealized losses	(1,199)	(709)
Greater than 12 months, unrealized losses	(27)	(104)
Unrealized losses	$ (1,226)	$ (813)
Common Stock [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months, number of issues | security	76	86
Greater than 12 months, number of issues | security	2	3
Number of Issues | security	78	89
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months, fair value	$ 2,472	$ 782
Greater than 12 months, fair value	66	79
Fair Value	2,538	861
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than 12 months, unrealized losses	(61)	(72)
Greater than 12 months, unrealized losses	(9)	(35)
Unrealized losses	$ (70)	$ (107)

Investments - Net Investment In

Investments - Net Investment Income (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Net Investment Income [Line Items]
Investment income									$ 2,489	$ 2,207	$ 1,376
Investment expenses									(316)	(305)	(201)
Net investment income	$ 548	$ 560	$ 528	$ 537	$ 442	$ 505	$ 469	$ 486	2,173	1,902	1,175
Fixed maturity securities [Member]
Net Investment Income [Line Items]
Investment income									2,370	2,110	1,289
Equity securities [Member]
Net Investment Income [Line Items]
Investment income									98	92	78
Cash and short-term investments [Member]
Net Investment Income [Line Items]
Investment income									$ 21	$ 5	$ 9

Investments - Gross Realized Ga

Investments - Gross Realized Gains and Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Net realized investment gains (losses)	$ 1,365	$ 285	$ 417
Fixed maturity securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Gross realized gains	587	92	47
Gross realized losses	(24)	(6)	(29)
Net realized investment gains (losses)	563	86	18
Equity securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Gross realized gains	1,198	290	449
Gross realized losses	(396)	(91)	(50)
Net realized investment gains (losses)	$ 802	$ 199	$ 399

Investments - Available-for-s53

Investments - Available-for-sale Fixed Maturity Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Amortized Cost
Due in one year or less	$ 9,650
Due after one year through five years	24,693
Due after five years through ten years	10,986
Due after ten years	8,302
Securities with contractual maturities	53,631
Commercial mortgage and asset backed	60,284
Total fixed maturity securities available for sale	113,915	$ 107,213
Estimated Fair Value
Due in one year or less	9,656
Due after one year through five years	24,721
Due after five years through ten years	10,945
Due after ten years	8,156
Securities with contractual maturities	53,478
Commercial mortgage and asset backed	59,685
Fixed maturity securities, Estimated Fair Value	$ 113,163	$ 107,093

Fair Value Measurements - Finan

Fair Value Measurements - Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturity securities	$ 113,163	$ 107,093
Equity securities	4,579	4,240
Short-term investments	10,788	6,391
Total assets measured at fair value	128,530	117,724
Total liabilities measured at fair value	17,750	12,750
Senior debt [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Senior debt	17,750	12,750
U.S. Government obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturity securities	5,903	5,508
State and local government [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturity securities	13,519	14,783
Corporate debt [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturity securities	34,056	38,784
Commercial mortgage and asset-backed [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturity securities	59,685	48,018
Fixed maturity securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturity securities	113,163	107,093
Common Stock [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	4,579	4,240
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Short-term investments	10,788	6,391
Total assets measured at fair value	15,257	10,631
Total liabilities measured at fair value		0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Common Stock [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	4,469	4,240
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	113,273	107,093
Total liabilities measured at fair value	17,750	12,750
Significant Other Observable Inputs (Level 2) [Member] | Senior debt [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Senior debt	17,750	12,750
Significant Other Observable Inputs (Level 2) [Member] | U.S. Government obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturity securities	5,903	5,508
Significant Other Observable Inputs (Level 2) [Member] | State and local government [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturity securities	13,519	14,783
Significant Other Observable Inputs (Level 2) [Member] | Corporate debt [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturity securities	34,056	38,784
Significant Other Observable Inputs (Level 2) [Member] | Commercial mortgage and asset-backed [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturity securities	59,685	48,018
Significant Other Observable Inputs (Level 2) [Member] | Fixed maturity securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fixed maturity securities	113,163	107,093
Significant Other Observable Inputs (Level 2) [Member] | Common Stock [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	$ 110
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured at fair value		$ 0

Fair Value Measurements (Detail

Fair Value Measurements (Details Textual)	Dec. 31, 2016
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Concentration of Risk, Financial Statement Captions [Line Items]
Investment Portfolio Percentage	11.90%
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Concentration of Risk, Financial Statement Captions [Line Items]
Investment Portfolio Percentage	88.10%

Deferred Policy Acquisition C56

Deferred Policy Acquisition Costs - Activity in Deferred Policy Acquisition Costs (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]
Balance at beginning of period				$ 12,102				$ 5,679	$ 12,102	$ 5,679	$ 5,747
Deferred policy acquisition costs									26,468	22,606	14,628
Amortization of policy acquisition costs	$ (6,997)	$ (6,266)	$ (6,014)	$ (6,003)	$ (6,344)	$ (4,605)	$ (2,639)	$ (2,595)	(25,280)	(16,183)	(14,696)
Net change									1,188	6,423	(68)
Balance at end of period	$ 13,290				$ 12,102				$ 13,290	$ 12,102	$ 5,679

Unpaid Losses and Loss Adjust57

Unpaid Losses and Loss Adjustment Expenses - Changes in the Liability for Unpaid Losses and Loss Adjustment Expenses (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Liability for Unpaid Claims and Claims Adjustment Expense [Roll Forward]
Gross reserves - beginning of period				$ 35,422				$ 31,531	$ 35,422	$ 31,531	$ 28,908
Less: reinsurance recoverables on unpaid losses				5,405				3,224	5,405	3,224	3,953
Net reserves - beginning of period				30,017				28,307	30,017	28,307	24,955
Add: incurred losses and loss adjustment expenses, net of reinsurance
Current period									48,782	37,422	41,923
Prior period									10,221	1,460	(1,193)
Net Loss and loss adjustment expenses	$ 18,181	$ 14,582	$ 13,541	$ 12,699	$ 11,523	$ 9,813	$ 8,976	$ 8,570	59,003	38,882	40,730
Deduct: loss and loss adjustment expense payments, net of reinsurance
Current period									20,828	20,635	24,134
Prior period									20,199	16,537	13,244
Total net loss and loss adjustment expense payments									41,027	37,172	37,378
Net reserves - end of period	47,993				30,017				47,993	30,017	28,307
Plus: reinsurance recoverables on unpaid losses	6,658				5,405				6,658	5,405	3,224
Gross reserves - end of period	$ 54,651				$ 35,422				$ 54,651	$ 35,422	$ 31,531

Unpaid Losses and Loss Adjust58

Unpaid Losses and Loss Adjustment Expenses (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior year adjustments	$ 10,221	$ 1,460	$ (1,193)
Commercial Lines [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior year adjustments	4,100
Personal Automobile Line [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior year adjustments	800	1,200	(550)
Commercial Automobile Line [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior year adjustments	2,700	835
Wind-exposed Homeowners [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior year adjustments	$ 2,700	121
Other insurance product line [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior year adjustments		$ 660
Commercial Multi-peril [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior year adjustments			(702)
Other Liability [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior year adjustments			(509)
Low-value Dwelling Line [Member]
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior year adjustments			$ 548

Unpaid Losses and Loss Adjust59

Unpaid Losses and Loss Adjustment Expenses Unpaid Losses and Loss Adjustment Expenses - Loss Development (Details) $ in Thousands	Dec. 31, 2016USD ($)claim	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)	Dec. 31, 2012USD ($)	Dec. 31, 2011USD ($)	Dec. 31, 2010USD ($)	Dec. 31, 2009USD ($)
Claims Development [Line Items]
Incurred	$ 194,942
Cumulative Paid	149,270
Unpaid losses and ALAE - years 2009 through 2016	45,672
Unpaid losses and ALAE - prior to 2009	241
Unpaid losses and ALAE, net of reinsurance	45,913
Commercial Lines [Member]
Claims Development [Line Items]
Incurred	117,754
Cumulative Paid	79,377
Unpaid losses and ALAE - years 2009 through 2016	38,377
Unpaid losses and ALAE - prior to 2009	241
Unpaid losses and ALAE, net of reinsurance	38,618
Personal Lines [Member]
Claims Development [Line Items]
Incurred	77,188
Cumulative Paid	69,893
Unpaid losses and ALAE, net of reinsurance	7,295
Short-duration Insurance Contracts, Accident Year 2009 [Member]
Claims Development [Line Items]
Incurred	9,048	$ 8,993	$ 9,037	$ 8,866	$ 9,577	$ 10,946	$ 12,705	$ 12,067
Total IBNR	$ 13
Cumulative number of reported claims | claim	942
Cumulative Paid	$ 8,955	8,567	8,501	8,434	7,867	7,044	6,576	4,973
Short-duration Insurance Contracts, Accident Year 2009 [Member] | Commercial Lines [Member]
Claims Development [Line Items]
Incurred	8,414	8,359	8,403	8,232	8,943	10,312	12,066	11,400
Total IBNR	$ 13
Cumulative number of reported claims | claim	877
Cumulative Paid	$ 8,321	7,933	7,867	7,800	7,233	6,410	5,942	4,436
Short-duration Insurance Contracts, Accident Year 2009 [Member] | Personal Lines [Member]
Claims Development [Line Items]
Incurred	634	634	634	634	634	634	639	667
Total IBNR	$ 0
Cumulative number of reported claims | claim	65
Cumulative Paid	$ 634	634	634	634	634	634	634	$ 537
Short-duration Insurance Contracts, Accident Year 2010 [Member]
Claims Development [Line Items]
Incurred	6,391	6,258	6,354	6,541	7,439	8,756	7,666
Total IBNR	$ 10
Cumulative number of reported claims | claim	847
Cumulative Paid	$ 6,350	6,249	6,224	6,094	5,403	4,662	3,217
Short-duration Insurance Contracts, Accident Year 2010 [Member] | Commercial Lines [Member]
Claims Development [Line Items]
Incurred	6,207	6,074	6,170	6,357	7,255	8,568	7,346
Total IBNR	$ 10
Cumulative number of reported claims | claim	770
Cumulative Paid	$ 6,166	6,065	6,040	5,910	5,219	4,488	3,066
Short-duration Insurance Contracts, Accident Year 2010 [Member] | Personal Lines [Member]
Claims Development [Line Items]
Incurred	184	184	184	184	184	188	320
Total IBNR	$ 0
Cumulative number of reported claims | claim	77
Cumulative Paid	$ 184	184	184	184	184	174	$ 151
Short-duration Insurance Contracts, Accident Year 2011 [Member]
Claims Development [Line Items]
Incurred	6,946	6,962	7,080	7,307	7,516	8,431
Total IBNR	$ 38
Cumulative number of reported claims | claim	1,307
Cumulative Paid	$ 6,765	6,624	6,308	5,597	4,826	3,432
Short-duration Insurance Contracts, Accident Year 2011 [Member] | Commercial Lines [Member]
Claims Development [Line Items]
Incurred	4,903	4,932	5,049	5,326	5,758	6,753
Total IBNR	$ 27
Cumulative number of reported claims | claim	590
Cumulative Paid	$ 4,744	4,641	4,449	3,964	3,534	2,645
Short-duration Insurance Contracts, Accident Year 2011 [Member] | Personal Lines [Member]
Claims Development [Line Items]
Incurred	2,043	2,030	2,031	1,981	1,758	1,678
Total IBNR	$ 11
Cumulative number of reported claims | claim	717
Cumulative Paid	$ 2,021	1,983	1,859	1,633	1,292	$ 787
Short-duration Insurance Contracts, Accident Year 2012 [Member]
Claims Development [Line Items]
Incurred	18,643	18,543	18,028	18,111	17,705
Total IBNR	$ 161
Cumulative number of reported claims | claim	3,860
Cumulative Paid	$ 18,196	17,335	15,540	12,954	7,990
Short-duration Insurance Contracts, Accident Year 2012 [Member] | Commercial Lines [Member]
Claims Development [Line Items]
Incurred	6,253	6,384	6,288	6,421	7,745
Total IBNR	$ 76
Cumulative number of reported claims | claim	560
Cumulative Paid	$ 5,994	5,558	4,696	3,703	2,325
Short-duration Insurance Contracts, Accident Year 2012 [Member] | Personal Lines [Member]
Claims Development [Line Items]
Incurred	12,390	12,159	11,740	11,690	9,960
Total IBNR	$ 85
Cumulative number of reported claims | claim	3,300
Cumulative Paid	$ 12,202	11,777	10,844	9,251	$ 5,665
Short-duration Insurance Contracts, Accident Year 2013 [Member]
Claims Development [Line Items]
Incurred	29,375	28,818	27,431	28,052
Total IBNR	$ 539
Cumulative number of reported claims | claim	5,691
Cumulative Paid	$ 27,222	25,695	22,094	13,934
Short-duration Insurance Contracts, Accident Year 2013 [Member] | Commercial Lines [Member]
Claims Development [Line Items]
Incurred	10,237	9,893	9,435	10,018
Total IBNR	$ 334
Cumulative number of reported claims | claim	596
Cumulative Paid	$ 8,622	7,643	6,211	3,979
Short-duration Insurance Contracts, Accident Year 2013 [Member] | Personal Lines [Member]
Claims Development [Line Items]
Incurred	19,138	18,925	17,996	18,034
Total IBNR	$ 205
Cumulative number of reported claims | claim	5,095
Cumulative Paid	$ 18,600	18,052	15,883	$ 9,955
Short-duration Insurance Contracts, Accident Year 2014 [Member]
Claims Development [Line Items]
Incurred	40,446	37,378	37,660
Total IBNR	$ 970
Cumulative number of reported claims | claim	5,345
Cumulative Paid	$ 34,718	30,492	21,534
Short-duration Insurance Contracts, Accident Year 2014 [Member] | Commercial Lines [Member]
Claims Development [Line Items]
Incurred	22,711	19,907	19,709
Total IBNR	$ 749
Cumulative number of reported claims | claim	1,726
Cumulative Paid	$ 17,458	13,977	8,715
Short-duration Insurance Contracts, Accident Year 2014 [Member] | Personal Lines [Member]
Claims Development [Line Items]
Incurred	17,735	17,471	17,951
Total IBNR	$ 221
Cumulative number of reported claims | claim	3,619
Cumulative Paid	$ 17,260	16,515	$ 12,819
Short-duration Insurance Contracts, Accident Year 2015 [Member]
Claims Development [Line Items]
Incurred	40,078	33,319
Total IBNR	$ 3,031
Cumulative number of reported claims | claim	4,373
Cumulative Paid	$ 29,690	18,241
Short-duration Insurance Contracts, Accident Year 2015 [Member] | Commercial Lines [Member]
Claims Development [Line Items]
Incurred	26,633	22,442
Total IBNR	$ 2,810
Cumulative number of reported claims | claim	2,269
Cumulative Paid	$ 17,817	10,470
Short-duration Insurance Contracts, Accident Year 2015 [Member] | Personal Lines [Member]
Claims Development [Line Items]
Incurred	13,445	10,877
Total IBNR	$ 221
Cumulative number of reported claims | claim	2,104
Cumulative Paid	$ 11,873	$ 7,771
Short-duration Insurance Contracts, Accident Year 2016 [Member]
Claims Development [Line Items]
Incurred	44,015
Total IBNR	$ 14,115
Cumulative number of reported claims | claim	4,780
Cumulative Paid	$ 17,374
Short-duration Insurance Contracts, Accident Year 2016 [Member] | Commercial Lines [Member]
Claims Development [Line Items]
Incurred	32,396
Total IBNR	$ 13,002
Cumulative number of reported claims | claim	3,101
Cumulative Paid	$ 10,255
Short-duration Insurance Contracts, Accident Year 2016 [Member] | Personal Lines [Member]
Claims Development [Line Items]
Incurred	11,619
Total IBNR	$ 1,113
Cumulative number of reported claims | claim	1,679
Cumulative Paid	$ 7,119

Unpaid Losses and Loss Adjust60

Unpaid Losses and Loss Adjustment Expenses Unpaid Losses and Loss Adjustment Expenses - Reconciliation of Claims to the Liability for Claims (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability [Line Items]
Unpaid losses and ALAE, net of reinsurance	$ 45,913
Reinsurance recoverables on unpaid losses	6,658	$ 5,405	$ 3,224	$ 3,953
ULAE Expense	2,080
Unpaid losses and loss adjustment expenses	54,651	$ 35,422	$ 31,531	$ 28,908
Commercial Lines [Member]
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability [Line Items]
Unpaid losses and ALAE, net of reinsurance	38,618
Reinsurance recoverables on unpaid losses	6,482
Personal Lines [Member]
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability [Line Items]
Unpaid losses and ALAE, net of reinsurance	7,295
Reinsurance recoverables on unpaid losses	$ 176

Unpaid Losses and Loss Adjust61

Unpaid Losses and Loss Adjustment Expenses Unpaid Losses and Loss Adjustment Expenses - Loss Duration (Details)	Dec. 31, 2016
Short-duration Insurance Contracts, Historical Claims Duration [Line Items]
Year 1	40.80%
Year 2	23.00%
Year 3	17.70%
Year 4	9.20%
Year 5	4.50%
Year 6	2.30%
Year 7	1.40%
Year 8	0.80%
Year 9	0.10%
Year 10, and onwards	0.20%
Commercial Lines [Member]
Short-duration Insurance Contracts, Historical Claims Duration [Line Items]
Year 1	37.10%
Year 2	24.20%
Year 3	18.30%
Year 4	9.80%
Year 5	5.20%
Year 6	2.60%
Year 7	1.60%
Year 8	0.90%
Year 9	0.10%
Year 10, and onwards	0.20%
Personal Lines [Member]
Short-duration Insurance Contracts, Historical Claims Duration [Line Items]
Year 1	65.50%
Year 2	15.50%
Year 3	13.80%
Year 4	5.10%
Year 5	0.10%
Year 6	0.00%
Year 7	0.00%
Year 8	0.00%
Year 9	0.00%
Year 10, and onwards	0.00%

Reinsurance (Details Textual)

Reinsurance (Details Textual) - USD ($)	Jul. 01, 2015	Jan. 01, 2015	Dec. 31, 2014	Nov. 01, 2014	Dec. 31, 2014	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Effects of Reinsurance [Line Items]
Assumed premiums written							$ 25,008,000	$ 3,247,000	$ 5,551,000
Citizens Property and Casualty Corporation [Member]
Effects of Reinsurance [Line Items]
Assumed premiums written					$ 5,500,000	$ 1,400,000
Workers Compensation and Casualty Clash [Member]
Effects of Reinsurance [Line Items]
Amount retained (excess of)							2,000,000
Amount reinsured							18,000,000
2014 Assumption [Member] | Citizens Property and Casualty Corporation [Member]
Effects of Reinsurance [Line Items]
Return of premiums								1,300,000
2015 Assumption [Member] | Citizens Property and Casualty Corporation [Member]
Effects of Reinsurance [Line Items]
Return of premiums									738,000
Insurance Fronting Arrangement [Member]
Effects of Reinsurance [Line Items]
Assumed premiums written							19,700,000	2,500,000	100,000
Maximum [Member]
Effects of Reinsurance [Line Items]
Amount retained (excess of)							$ 500,000	$ 500,000	300,000
Commercial Lines [Member] | Multiple Line Reinsurance Policy [Member]
Effects of Reinsurance [Line Items]
Amount retained (excess of)		$ 500,000							$ 300,000
Amount reinsured		$ 1,500,000
Commercial Lines [Member] | Quota Share Reinsurance Agreement [Member]
Effects of Reinsurance [Line Items]
Amount retained (excess of)			$ 500,000
Reinsurance agreement, quota share							90.00%
Personal Lines [Member] | Quota Share Reinsurance Agreement [Member]
Effects of Reinsurance [Line Items]
Amount retained (excess of)			$ 300,000
Property product line [Member] | Property Reinsurance Policy [Member]
Effects of Reinsurance [Line Items]
Amount retained (excess of)				$ 300,000			$ 5,000,000
Amount reinsured				$ 2,700,000			160,000,000
Property product line [Member] | Property Reinsurance Policy, Additional Coverage [Member]
Effects of Reinsurance [Line Items]
Amount retained (excess of)							$ 1,000,000
Property product line [Member] | Minimum [Member] | Property Reinsurance Policy [Member]
Effects of Reinsurance [Line Items]
Insured property value	$ 2,000,000
Property product line [Member] | Maximum [Member] | Property Reinsurance Policy [Member]
Effects of Reinsurance [Line Items]
Insured property value	$ 4,000,000
Other insurance product line [Member] | Quota Share Reinsurance Agreement [Member]
Effects of Reinsurance [Line Items]
Reinsurance agreement, quota share			25.00%
Other insurance product line [Member] | Quota Share Reinsurance Agreement, Other Arrangements [Member]
Effects of Reinsurance [Line Items]
Reinsurance agreement, quota share							100.00%

Reinsurance - Effects of Reinsu

Reinsurance - Effects of Reinsurance and Assumption Transactions (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Written premiums:
Direct									$ 89,915	$ 90,503	$ 78,296
Assumed									25,008	3,247	5,551
Ceded									(14,994)	(14,076)	(17,548)
Net written premiums	$ 27,069	$ 24,634	$ 26,176	$ 22,050	$ 21,467	$ 28,599	$ 15,942	$ 13,666	99,929	79,674	66,299
Earned premiums:
Direct									90,660	82,614	66,608
Assumed									14,053	6,602	361
Ceded									(15,086)	(22,451)	(9,441)
Net earned premiums	24,463	23,380	21,675	20,109	19,274	17,883	15,115	14,493	89,627	66,765	57,528
Loss and loss adjustment expenses:
Direct									59,940	43,989	43,894
Assumed									11,955	2,756	107
Ceded									(12,892)	(7,863)	(3,271)
Net Loss and loss adjustment expenses	$ 18,181	$ 14,582	$ 13,541	$ 12,699	$ 11,523	$ 9,813	$ 8,976	$ 8,570	$ 59,003	$ 38,882	$ 40,730

Senior Debt (Details Textual)

Senior Debt (Details Textual)	Nov. 30, 2016USD ($)debt_instrument	Sep. 30, 2014	Dec. 31, 2015USD ($)	Dec. 31, 2016USD ($)debt_instrument	Dec. 31, 2015	Dec. 31, 2017USD ($)	Mar. 31, 2017USD ($)
Debt Instrument [Line Items]
Borrowing capacity	$ 17,500,000
Revolving Credit Facility [Member]
Long-term Debt, Fiscal Year Maturity [Abstract]
Drawn down from credit facility			$ 3,500,000	$ 7,000,000
Remaining borrowing capacity				7,000,000
Minimum tangible net worth required by covenant terms				65,000,000
Tangible net worth				64,100,000
Amended Credit Agreement [Member]
Long-term Debt, Fiscal Year Maturity [Abstract]
Maturities in 2017				2,500,000
Maturities in 2018				13,300,000
Maturities in 2019				2,000,000
Maturities in 2020				0
Maturities in 2021				$ 0
Secured Debt [Member]
Debt Instrument [Line Items]
Number of debt instruments | debt_instrument	3			3
Weighted average interest rate			3.40%	4.10%	3.40%
Long-term Debt, Fiscal Year Maturity [Abstract]
Increase to interest rate spreads	50.00%
Secured Debt [Member] | Revolving Credit Facility [Member]
Debt Instrument [Line Items]
Borrowing capacity				$ 17,500,000
Unused borrowing commitment fee percentage				0.20%
Long-term Debt, Fiscal Year Maturity [Abstract]
Covenant terms, fixed charge coverage ratio					1.20
Fixed charge coverage ratio					0.9
Secured Debt [Member] | Term Note [Member]
Debt Instrument [Line Items]
Face amount of debt				$ 5,000,000
Term of debt instrument		5 years		5 years
Secured Debt [Member] | 2014 Term Note [Member]
Debt Instrument [Line Items]
Face amount of debt				$ 7,500,000
Term of debt instrument				5 years
Secured Debt [Member] | London Interbank Offered Rate (LIBOR) [Member] | Revolving Credit Facility [Member]
Debt Instrument [Line Items]
Basis spread on variable rate				3.25%
Secured Debt [Member] | London Interbank Offered Rate (LIBOR) [Member] | Term Note [Member]
Debt Instrument [Line Items]
Basis spread on variable rate				3.25%
Secured Debt [Member] | London Interbank Offered Rate (LIBOR) [Member] | 2014 Term Note [Member]
Debt Instrument [Line Items]
Basis spread on variable rate				3.75%
Secured Debt [Member] | Prime Rate [Member] | Revolving Credit Facility [Member]
Debt Instrument [Line Items]
Basis spread on variable rate				1.50%
Secured Debt [Member] | Prime Rate [Member] | Term Note [Member]
Debt Instrument [Line Items]
Basis spread on variable rate				1.50%
Secured Debt [Member] | Prime Rate [Member] | 2014 Term Note [Member]
Debt Instrument [Line Items]
Basis spread on variable rate				2.00%
Scenario, Forecast [Member] | Subsequent Event [Member] | Revolving Credit Facility [Member]
Long-term Debt, Fiscal Year Maturity [Abstract]
Minimum tangible net worth required by covenant terms, amended						$ 64,000,000	$ 62,000,000

Senior Debt - Outstanding Senio

Senior Debt - Outstanding Senior Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Debt Instrument [Line Items]
Debt	$ 17,750	$ 12,750
Secured Debt [Member]
Debt Instrument [Line Items]
Debt	17,750	12,750
Secured Debt [Member] | Term Note [Member]
Debt Instrument [Line Items]
Debt	1,750	2,750
Secured Debt [Member] | 2014 Term Note [Member]
Debt Instrument [Line Items]
Debt	5,500	6,500
Secured Debt [Member] | Revolving Credit Facility [Member]
Debt Instrument [Line Items]
Debt	$ 10,500	$ 3,500

Senior Debt - Interest Rate Swa

Senior Debt - Interest Rate Swap Agreement (Details) - USD ($)	1 Months Ended	12 Months Ended
	Sep. 30, 2014	Dec. 31, 2016	Dec. 31, 2015
Interest Rate Swap [Member]
Derivative [Line Items]
Notional amount	$ 5,000,000	$ 1,800,000	$ 2,800,000
Fixed interest rate	1.04%
Effective debt interest rate		3.79%
Derivative Asset		$ 1,200	$ 4,000
Term Note [Member] | Secured Debt [Member]
Derivative [Line Items]
Term of debt instrument	5 years	5 years

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Current income taxes receivable	$ 110,000	$ 106,000
Operating Loss Carryforwards [Line Items]
Adjustment to deferred tax assets	0	2,150,000	$ 0
Valuation allowance	8,389,000	$ 5,160,000
Domestic Tax Authority [Member] | Internal Revenue Service (IRS) [Member]
Operating Loss Carryforwards [Line Items]
Net operating loss carryforwards	22,800,000
Net operating loss carryforwards subject to limitations	15,100,000
State and Local Jurisdiction [Member]
Operating Loss Carryforwards [Line Items]
Net operating loss carryforwards	$ 8,700,000

Income Taxes - Income Tax Expen

Income Taxes - Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Current tax expense (benefit)									$ 70	$ 48	$ 3
Deferred tax expense (benefit)									(147)	0	(284)
Total income tax expense (benefit)	$ 530	$ 16	$ (623)	$ 0	$ 48	$ (48)	$ 48	$ 0	$ (77)	$ 48	$ (281)

Income Taxes - Effective Income

Income Taxes - Effective Income Tax Reconciliation (Details) - USD ($)	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Income Tax Disclosure [Abstract]
U.S. federal income tax rate									34.00%
Effective Income Tax Rate Reconciliation, Amount [Abstract]
Income (loss) before income taxes									$ (8,643,000)	$ 83,000	$ (7,220,000)
Deconsolidation of affiliate									0	55,000	0
Statutory U.S. federal income tax rate									(2,939,000)	28,000	(2,455,000)
State income taxes, net of federal benefit									(3,000)	(72,000)	(246,000)
Tax‑exempt investment income and dividend received deduction									(106,000)	(116,000)	(66,000)
Nondeductible acquisition costs and purchase adjustments									0	0	143,000
Nondeductible meals and entertainment									61,000	45,000	30,000
Valuation allowance on deferred tax assets									2,808,000	(2,050,000)	2,283,000
Net operating loss write-off									0	2,150,000	0
Other									102,000	8,000	30,000
Total income tax expense (benefit)	$ 530,000	$ 16,000	$ (623,000)	$ 0	$ 48,000	$ (48,000)	$ 48,000	$ 0	$ (77,000)	$ 48,000	$ (281,000)
Effective tax rate									0.90%	57.80%	3.90%

Income Taxes - Components of De

Income Taxes - Components of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Deferred tax assets:
Discounted unpaid losses and loss adjustment expenses	$ 715	$ 465
Unearned premiums	4,085	3,385
Net operating loss carryforwards	7,757	5,932
State net operating loss carryforwards	223	209
Other	203	(152)
Gross deferred tax assets	12,983	9,839
Less valuation allowance	(8,389)	(5,160)
Total deferred tax assets, net of allowance	4,594	4,679
Deferred tax liabilities:
Investment basis difference	45	49
Unrealized gains on investments	(156)	266
Deferred policy acquisition costs	4,519	4,115
Intangible assets	163	307
Property and equipment	202	267
Total deferred tax liabilities	4,773	5,004
Net deferred tax liability	$ (179)	$ (325)

Statutory Financial Data, Ris71

Statutory Financial Data, Risk-Based Capital and Dividend Restrictions - Narrative (Details) - subsidiary	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Insurance [Abstract]
Number of insurance company subsidiaries	2	3	3

Statutory Financial Data, Ris72

Statutory Financial Data, Risk-Based Capital and Dividend Restrictions - Summary of Statutory Basis Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Conifer Insurance [Member]
Statutory Accounting Practices [Line Items]
Statutory capital and surplus	$ 29,539	$ 30,637	$ 28,304
RBC authorized control level	6,676	5,390	5,008
Statutory net income (loss)	$ (2,782)	$ 387	$ (2,777)
RBC %	442.40%	568.50%	565.10%
American Colonial [Member]
Statutory Accounting Practices [Line Items]
Statutory capital and surplus		$ 22,523	$ 24,461
RBC authorized control level		2,809	1,460
Statutory net income (loss)		$ (2,278)	$ (1,670)
RBC %		801.80%	1675.70%
White Pine [Member]
Statutory Accounting Practices [Line Items]
Statutory capital and surplus	$ 32,391	$ 17,452	$ 13,209
RBC authorized control level	6,583	2,978	2,708
Statutory net income (loss)	$ (1,209)	$ 784	$ (58)
RBC %	492.10%	585.10%	487.70%

Shareholders' Equity (Details T

Shareholders' Equity (Details Textual)	12 Months Ended
	Dec. 31, 2016USD ($)voteshares	Dec. 31, 2015USD ($)shares	Dec. 31, 2014$ / sharesshares	Feb. 25, 2016USD ($)
Class of Stock [Line Items]
Stock repurchased during period, value | $	$ 625,000	$ 6,275,000
Common stock, shares outstanding (in shares)	7,633,070	7,644,492
Common stock voting rights, number of votes per share | vote	1
Common Stock [Member]
Class of Stock [Line Items]
Stock repurchased during period, shares (in shares)	88,650
Stock repurchased during period, value | $	$ 625,000
Stock issued during period (in shares)			2,163,135
Preferred Stock [Member]
Class of Stock [Line Items]
Stock repurchased during period, shares (in shares)		60,600
Stock repurchased during period, value | $		$ 6,275,000
Stock issued during period (in shares)			66,000
Price per share (in dollars per share) | $ / shares			$ 10
Stock Repurchase Program, February 2016 [Member]
Class of Stock [Line Items]
Authorized amount of stock repurchase program (in shares) | $				$ 2,100,000

Redeemable Preferred Stock (Det

Redeemable Preferred Stock (Details Textual) - USD ($) $ / shares in Units, $ in Thousands	Aug. 18, 2015	Jul. 01, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Mar. 25, 2015	Dec. 31, 2013
Temporary Equity [Line Items]
Proceeds from issuance of common stock			$ 0	$ 36,066	$ 28,475
Private Placement [Member]
Temporary Equity [Line Items]
Proceeds from issuance of common stock	$ 3,100
Redeemable Preferred Stock [Member]
Temporary Equity [Line Items]
Shares outstanding	0		0	0	60,600		0
Liquidation event, percentage of holders with consent (more than)						80.00%
Redemption price (in dollars per share)		$ 100
Number of shares repurchased during the period		29,550
Stock repurchased during period, percentage		49.00%
Payments of dividends	$ 6,300
Common Stock [Member]
Temporary Equity [Line Items]
Stock issued during period (in shares)					2,163,135
Common Stock [Member] | Private Placement [Member]
Temporary Equity [Line Items]
Stock issued during period (in shares)	294,450

Accumulated Other Comprehensi75

Accumulated Other Comprehensive Income (Loss) - Summary of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance	$ 77,262	$ 44,159	$ 21,251
Other comprehensive income (loss)	(1,262)	(976)	622
Balance	67,794	77,262	44,159
AOCI Attributable to Parent [Member]
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance	182	1,158	536
Other comprehensive income (loss) before reclassifications	(2,139)	(274)
Less: amounts reclassified from accumulated other comprehensive income (loss)	(877)	702
Other comprehensive income (loss)	(1,262)	(976)	622
Balance	$ (1,080)	$ 182	$ 1,158

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								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Earnings Per Share [Abstract]
Net income (loss) attributable to Conifer									$ (8,437)	$ 64	$ (6,935)
Preferred stock dividends									0	384	191
Paid-in-kind dividends									0	156	59
Deemed dividend on preferred stock									0	0	15
Net income (loss) allocable to common shareholders	$ (4,421)	$ (1,475)	$ (513)	$ (2,028)	$ (2,304)	$ 1,212	$ 366	$ 250	$ (8,437)	$ (476)	$ (7,200)
Weighted average common shares outstanding, basic and diluted (in shares)									7,618,588	5,369,960	2,672,440
Earnings (loss) per share allocable to common, basic and diluted (in dollars per share)									$ (1.11)	$ (0.09)	$ (2.69)

Stock-based Compensation (Detai

Stock-based Compensation (Details Textual) - 2015 Omnibus Incentive Plan [Member] - USD ($) $ in Thousands	Aug. 18, 2015	Dec. 31, 2015	Dec. 31, 2016	Dec. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized		1,377,000		1,377,000
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period				5 years
Number of shares issued upon conversion, per share		1		1
Stock issued during period		390,352	111,281
Stock granted, value	$ 4,100		$ 909
Compensation expense			856	$ 303
Total compensation cost not yet recognized			$ 3,800

Stock-based Compensation Stoc78

Stock-based Compensation Stock-based Compensation - RSU Activity (Details) - 2015 Omnibus Incentive Plan [Member] - Restricted Stock Units (RSUs) [Member] - $ / shares	5 Months Ended	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2016
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Outstanding [Roll Forward]
Beginning period, outstanding (in shares)	0	390,000
Units granted (in shares)	390,352	111,281
Units vested (in shares)	0	(77,000)
Units forfeited (in shares)	0	(8,000)
Ending period, outstanding (in shares)	390,000	416,000
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]
Beginning period, outstanding (in dollars per share)	$ 0	$ 10.48
Units granted (in dollars per share)	10.48	8.17
Units vested (in dollars per share)	0	10.48
Units forfeited (in dollars per share)	0	9.95
Ending period, outstanding (in dollars per share)	$ 10.48	$ 9.87

Stock-based Compensation Stoc79

Stock-based Compensation Stock-based Compensation - Vesting Schedule for RSUs (Details) - 2015 Omnibus Incentive Plan [Member] - Restricted Stock Units (RSUs) [Member] - shares shares in Thousands	Dec. 31, 2016	Dec. 31, 2015	Aug. 12, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Scheduled vesting - RSUs (in shares)	416	390	0
2017 Vesting [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Scheduled vesting - RSUs (in shares)	99
2018 Vesting [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Scheduled vesting - RSUs (in shares)	99
2019 Vesting [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Scheduled vesting - RSUs (in shares)	99
2020 Vesting [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Scheduled vesting - RSUs (in shares)	99
2021 Vesting [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Scheduled vesting - RSUs (in shares)	20

Related Party Transactions (Det

Related Party Transactions (Details Textual)	Jun. 30, 2014shares	Jan. 31, 2014USD ($)shares	Dec. 31, 2012USD ($)transaction$ / shares	Dec. 31, 2014USD ($)
Related Party Transaction [Line Items]
Interest expense on related party note				$ 34,500
Executive Officer [Member]
Related Party Transaction [Line Items]
Proceeds from related party debt			$ 1,000,000
Interest rate			12.00%
Shares issued from debt conversion | shares	41,126	41,126
Debt conversion, original amount		$ 500,000
Common Stock [Member] | Executive Officer [Member]
Related Party Transaction [Line Items]
Number of separate transactions | transaction			2
Convertible debt, price per share (in dollars per share) | $ / shares			$ 12.16

Employee Benefit Plans (Details

Employee Benefit Plans (Details) - 401(k) Plan [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Defined Contribution Plan Disclosure [Line Items]
Maximum employee contribution amount, percentage of gross compensation			100.00%
Employee matching contribution, percentage of employee gross compensation		4.00%
Plan expense	$ 405	$ 346

Commitments and Contingencies (

Commitments and Contingencies (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)renewal_option	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2010USD ($)
Other Commitments [Line Items]
Number of lease renewal options | renewal_option	2
Lease renewal term	5 years
Rent expense under operating leases	$ 915	$ 795	$ 871
Termination fee payment			$ 280
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
2,017	929
2,018	825
2,019	642
2,020	628
2,021	639
2022 and thereafter	1,567
Total future minimum rental payments	$ 5,230
Agreement to Design and Implement New Systems [Member]
Other Commitments [Line Items]
Minimum monthly payment				$ 30

Segment Information (Details Te

Segment Information (Details Textual) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016USD ($)	Sep. 30, 2016USD ($)	Jun. 30, 2016USD ($)	Mar. 31, 2016USD ($)	Dec. 31, 2015USD ($)	Sep. 30, 2015USD ($)	Jun. 30, 2015USD ($)	Mar. 31, 2015USD ($)	Dec. 31, 2016USD ($)business	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)
Segment Reporting Information [Line Items]
Number of reportable segments | business									2
Net earned premiums	$ 24,463	$ 23,380	$ 21,675	$ 20,109	$ 19,274	$ 17,883	$ 15,115	$ 14,493	$ 89,627	$ 66,765	$ 57,528
Income (loss) before income taxes									$ (8,643)	$ 83	$ (7,220)
Gross Written Premiums [Member] | Geographic Concentration Risk [Member] | Florida, Michigan, Texas and Pennsylvania [Member]
Segment Reporting Information [Line Items]
Concentration percentage									56.70%	66.60%	70.30%

Segment Information - Summary o

Segment Information - Summary of Net Earned Premiums by Segment (Details) - Net Earned Premiums [Member] - Operating Segments [Member]	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Segment Reporting Information [Line Items]
Concentration percentage	100.00%	100.00%	100.00%
Commercial Lines [Member]
Segment Reporting Information [Line Items]
Concentration percentage	77.00%	73.00%	62.00%
Personal Lines [Member]
Segment Reporting Information [Line Items]
Concentration percentage	23.00%	27.00%	38.00%

Segment Information - Informati

Segment Information - Information by Reportable Segment (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Segment Reporting Information [Line Items]
Gross premiums written	$ 31,308	$ 28,497	$ 29,725	$ 25,393	$ 25,245	$ 24,242	$ 23,059	$ 21,204
Net written premiums	27,069	24,634	26,176	22,050	21,467	28,599	15,942	13,666	$ 99,929	$ 79,674	$ 66,299
Net earned premiums	24,463	23,380	21,675	20,109	19,274	17,883	15,115	14,493	89,627	66,765	57,528
Other income	287	303	283	245	175	523	480	489	1,118	1,667	1,809
Total revenue									93,883	70,723	60,929
Losses and loss adjustment expenses, net	18,181	14,582	13,541	12,699	11,523	9,813	8,976	8,570	59,003	38,882	40,730
Policy acquisition costs	6,997	6,266	6,014	6,003	6,344	4,605	2,639	2,595	25,280	16,183	14,696
Operating expenses	4,211	4,710	4,536	4,139	4,170	3,325	3,619	3,692	17,596	14,806	12,139
Total expenses									102,526	70,640	68,149
Income (loss) before income taxes									(8,643)	83	(7,220)
Investment income	548	560	528	537	442	505	469	486	2,173	1,902	1,175
Net realized investment gains	761	71	541	(8)	47	6	87	145	1,365	285	417
Other gains (losses)	(400)	0	0	0	0	104	0	0	(400)	104	0
Interest expense	(179)	$ (168)	$ (143)	$ (157)	(105)	$ (181)	$ (239)	$ (244)	(647)	(769)	(584)
Deferred policy acquisition costs	13,290				12,102				13,290	12,102	5,679	$ 5,747
Unearned premiums	58,126				47,916				58,126	47,916	43,381
Loss and loss adjustment expense reserves	54,651				35,422				54,651	35,422	31,531	$ 28,908
Commercial Lines [Member]
Segment Reporting Information [Line Items]
Deferred policy acquisition costs	10,156				8,401				10,156	8,401	4,247
Unearned premiums	44,484				33,337				44,484	33,337	29,062
Loss and loss adjustment expense reserves	46,917				29,739				46,917	29,739	22,451
Personal Lines [Member]
Segment Reporting Information [Line Items]
Deferred policy acquisition costs	3,134				3,701				3,134	3,701	1,432
Unearned premiums	13,642				14,579				13,642	14,579	14,319
Loss and loss adjustment expense reserves	$ 7,734				$ 5,683				7,734	5,683	9,080
Operating Segments [Member] | Commercial Lines [Member]
Segment Reporting Information [Line Items]
Gross premiums written									88,242	68,197	55,056
Net written premiums									78,439	58,157	40,958
Net earned premiums									68,921	48,586	35,749
Other income									378	1,099	918
Total revenue									69,299	49,685	36,667
Losses and loss adjustment expenses, net									42,441	25,730	20,621
Policy acquisition costs									18,560	11,937	9,209
Operating expenses									6,767	4,983	4,566
Total expenses									67,768	42,650	34,396
Income (loss) before income taxes									1,531	7,035	2,271
Operating Segments [Member] | Personal Lines [Member]
Segment Reporting Information [Line Items]
Gross premiums written									26,681	25,553	28,791
Net written premiums									21,490	21,517	25,341
Net earned premiums									20,706	18,179	21,779
Other income									558	489	904
Total revenue									21,264	18,668	22,683
Losses and loss adjustment expenses, net									16,562	13,152	20,109
Policy acquisition costs									6,720	4,246	5,487
Operating expenses									2,911	3,305	2,453
Total expenses									26,193	20,703	28,049
Income (loss) before income taxes									(4,929)	(2,035)	(5,366)
Corporate [Member]
Segment Reporting Information [Line Items]
Gross premiums written									0	0	0
Net written premiums									0	0	0
Net earned premiums									0	0	0
Other income									182	79	(13)
Total revenue									182	79	(13)
Losses and loss adjustment expenses, net									0	0	0
Policy acquisition costs									0	0	0
Operating expenses									7,918	6,518	5,120
Total expenses									7,918	6,518	5,120
Income (loss) before income taxes									(7,736)	(6,439)	(5,133)
Operating Segments and Corporate Non Segment [Member]
Segment Reporting Information [Line Items]
Gross premiums written									114,923	93,750	83,847
Net written premiums									99,929	79,674	66,299
Net earned premiums									89,627	66,765	57,528
Other income									1,118	1,667	1,809
Total revenue									90,745	68,432	59,337
Losses and loss adjustment expenses, net									59,003	38,882	40,730
Policy acquisition costs									25,280	16,183	14,696
Operating expenses									17,596	14,806	12,139
Total expenses									101,879	69,871	67,565
Income (loss) before income taxes									(11,134)	(1,439)	(8,228)
Segment Reconciling Items [Member]
Segment Reporting Information [Line Items]
Investment income									2,173	1,902	1,175
Net realized investment gains									1,365	285	417
Other gains (losses)									(400)	104
Interest expense									(647)	(769)	(584)
Corporate And Reconciling Items [Member]
Segment Reporting Information [Line Items]
Income (loss) before income taxes									$ (5,245)	$ (4,917)	$ (4,125)

Quarterly Financial Data (Una86

Quarterly Financial Data (Unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Quarterly Financial Information Disclosure [Abstract]
Gross premiums written	$ 31,308	$ 28,497	$ 29,725	$ 25,393	$ 25,245	$ 24,242	$ 23,059	$ 21,204
Net premiums written	27,069	24,634	26,176	22,050	21,467	28,599	15,942	13,666	$ 99,929	$ 79,674	$ 66,299
Net premiums earned	24,463	23,380	21,675	20,109	19,274	17,883	15,115	14,493	89,627	66,765	57,528
Net investment income	548	560	528	537	442	505	469	486	2,173	1,902	1,175
Net realized gains	761	71	541	(8)	47	6	87	145	1,365	285	417
Other gains (losses)	(400)	0	0	0	0	104	0	0	(400)	104	0
Other income	287	303	283	245	175	523	480	489	1,118	1,667	1,809
Losses and loss adjustment expenses, net	18,181	14,582	13,541	12,699	11,523	9,813	8,976	8,570	59,003	38,882	40,730
Policy acquisition costs	6,997	6,266	6,014	6,003	6,344	4,605	2,639	2,595	25,280	16,183	14,696
Operating expenses	4,211	4,710	4,536	4,139	4,170	3,325	3,619	3,692	17,596	14,806	12,139
Interest expense	179	168	143	157	105	181	239	244	647	769	584
Income tax (benefit) expense	530	16	(623)	0	48	(48)	48	0	(77)	48	(281)
Equity earnings (losses) in affiliates, net of tax	18	(47)	71	87	(52)	0	0	0	129	(52)	0
Net income (loss)	(4,421)	(1,475)	(513)	(2,028)	(2,304)	1,145	630	512	(8,437)	(17)	(6,939)
Net income (loss) allocable to common shareholders	$ (4,421)	$ (1,475)	$ (513)	$ (2,028)	$ (2,304)	$ 1,212	$ 366	$ 250	$ (8,437)	$ (476)	$ (7,200)
Diluted earnings (loss) per common share (in dollars per share)	$ (0.58)	$ (0.19)	$ (0.07)	$ (0.27)	$ (0.30)	$ 0.21	$ 0.09	$ 0.06
Combined ratio	118.70%	107.90%	109.70%	112.20%	113.30%	96.40%	97.70%	99.20%

Schedule II - Condensed Finan87

Schedule II - Condensed Financial Information of Registrant - Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Assets
Cash	$ 12,493	$ 12,703
Due from subsidiaries	1,751	1,792
Other assets	11,481	5,069
Total assets	203,701	177,927
Liabilities:
Senior debt	17,750	12,750
Accounts payable and accrued expenses	4,879	2,758
Other liabilities	501	750
Total liabilities	135,907	100,665
Shareholders' equity:
Common stock, no par value (100,000,000 shares authorized; 7,633,070 and 7,644,492 issued and outstanding, respectively)	80,342	80,111
Accumulated deficit	(11,468)	(3,031)
Accumulated other comprehensive income (loss)	(1,080)	182
Total shareholders' equity	67,794	77,262	$ 44,159	$ 21,251
Total liabilities and shareholders' equity	203,701	177,927
Parent Company [Member]
Assets
Investment in subsidiaries	78,637	84,982
Cash	4,639	2,529
Due from subsidiaries	946	1,096
Other assets	2,009	1,912
Total assets	86,231	90,519
Liabilities:
Senior debt	17,750	12,750
Accounts payable and accrued expenses	196	311
Other liabilities	491	196
Total liabilities	18,437	13,257
Shareholders' equity:
Common stock, no par value (100,000,000 shares authorized; 7,633,070 and 7,644,492 issued and outstanding, respectively)	80,342	80,111
Accumulated deficit	(11,468)	(3,031)
Accumulated other comprehensive income (loss)	(1,080)	182
Total shareholders' equity	67,794	77,262
Total liabilities and shareholders' equity	$ 86,231	$ 90,519

Schedule II - Condensed Finan88

Schedule II - Condensed Financial Information of Registrant - Balance Sheets Stock Information (Details) - shares	Dec. 31, 2016	Dec. 31, 2015
Condensed Balance Sheet Statements, Captions [Line Items]
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	7,633,070	7,644,492
Common stock, shares outstanding (in shares)	7,633,070	7,644,492
Parent Company [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	7,633,070	7,644,492
Common stock, shares outstanding (in shares)	7,633,070	7,644,492

Schedule II - Condensed Finan89

Schedule II - Condensed Financial Information of Registrant - Statements of Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Revenue
Other income	$ 287	$ 303	$ 283	$ 245	$ 175	$ 523	$ 480	$ 489	$ 1,118	$ 1,667	$ 1,809
Total revenue									93,883	70,723	60,929
Expenses
Operating expenses	4,211	4,710	4,536	4,139	4,170	3,325	3,619	3,692	17,596	14,806	12,139
Interest expense	179	168	143	157	105	181	239	244	647	769	584
Total expenses									102,526	70,640	68,149
Income tax expense (benefit)	530	16	(623)	0	48	(48)	48	0	(77)	48	(281)
Net income (loss)	$ (4,421)	$ (1,475)	$ (513)	$ (2,028)	$ (2,304)	$ 1,145	$ 630	$ 512	(8,437)	(17)	(6,939)
Less net loss attributable to noncontrolling interest									0	(81)	(4)
Net income (loss) attributable to Conifer									(8,437)	64	(6,935)
Other Comprehensive Income
Equity in other comprehensive income (loss) of subsidiaries									(1,262)	(976)	622
Comprehensive income (loss) attributable to Conifer									(9,699)	(912)	(6,313)
Parent Company [Member]
Revenue
Management fees from subsidiaries									9,911	8,007	8,100
Other income									51	64	20
Total revenue									9,962	8,071	8,120
Expenses
Operating expenses									16,995	13,710	9,962
Interest expense									647	766	584
Total expenses									17,642	14,476	10,546
Loss before equity in earnings (losses) of subsidiaries and income tax benefit									(7,680)	(6,405)	(2,426)
Income tax expense (benefit)									(864)	(1,025)	(77)
Loss before equity earnings (losses) of subsidiaries									(6,816)	(5,380)	(2,349)
Equity earnings (losses) in subsidiaries									(1,621)	5,363	(4,590)
Net income (loss)									(8,437)	(17)	(6,939)
Less net loss attributable to noncontrolling interest									0	(81)	(4)
Net income (loss) attributable to Conifer									(8,437)	64	(6,935)
Other Comprehensive Income
Equity in other comprehensive income (loss) of subsidiaries									(1,262)	(976)	622
Comprehensive income (loss) attributable to Conifer									$ (9,699)	$ (912)	$ (6,313)

Schedule II - Condensed Finan90

Schedule II - Condensed Financial Information of Registrant - Statement of Cash Flows (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Cash Flows from Operating Activities
Net income (loss)	$ (4,421)	$ (1,475)	$ (513)	$ (2,028)	$ (2,304)	$ 1,145	$ 630	$ 512	$ (8,437)	$ (17)	$ (6,939)
Adjustments to reconcile net income (loss) to net cash used in operating activities:
Deferred income taxes									(147)	0	(302)
Incentive awards expenses - RSU									856	303	0
Changes in operating assets and liabilities:
Other assets									(7,139)	(904)	(526)
Accounts payable and accrued expenses									1,635	1,015	172
Other liabilities									(101)	(478)	(1,217)
Net cash (used in) provided by operating activities									6,166	(3,136)	6,305
Cash Flows From Investing Activities
Purchases of property and equipment									(195)	(167)	(444)
Net cash used in investing activities									(10,751)	(15,294)	(47,700)
Cash Flows From Financing Activities
Proceeds received from issuance of shares of common stock									0	36,066	28,475
Proceeds from issuance of shares of preferred stock									0	0	6,060
Repurchase of common stock									(625)	0	0
Repurchase of preferred stock									0	(6,275)	0
Borrowings under debt arrangements									7,000	4,400	18,500
Repayment of borrowings under debt arrangements									(2,000)	(19,212)	(4,075)
Dividends paid to preferred shareholders									0	(384)	(191)
Payment of offering costs									0	(1,837)	0
Net cash provided by financing activities									4,375	12,645	48,587
Net (decrease) increase in cash									(210)	(5,785)	7,192
Cash at beginning of period				12,703				18,488	12,703	18,488	11,296
Cash at end of period	12,493				12,703				12,493	12,703	18,488
Supplemental Disclosure of Cash Flow Information:
Interest paid									641	844	510
Parent Company [Member]
Cash Flows from Operating Activities
Net income (loss)									(8,437)	(17)	(6,939)
Adjustments to reconcile net income (loss) to net cash used in operating activities:
Depreciation and amortization									364	321	287
Deferred income taxes									288	140	3
Equity in undistributed (income) loss of subsidiaries									1,621	(5,363)	4,590
Incentive awards expenses - RSU									856	303	0
Changes in operating assets and liabilities:
Changes in due from / payable to subsidiaries									150	(921)	(10)
Other assets									(270)	(396)	(92)
Accounts payable and accrued expenses									(115)	(20)	86
Other liabilities									120	(480)	(19)
Net cash (used in) provided by operating activities									(5,423)	(6,433)	(2,094)
Cash Flows From Investing Activities
Contributions to subsidiaries									(2,100)	(7,500)	(46,006)
Dividends received from subsidiaries									5,450	2,700	500
Purchases of property and equipment									(192)	(146)	(434)
Net cash used in investing activities									3,158	(4,946)	(45,940)
Cash Flows From Financing Activities
Proceeds received from issuance of shares of common stock									0	36,066	28,475
Proceeds from issuance of shares of preferred stock									0	0	6,060
Repurchase of common stock									(625)	0	0
Repurchase of preferred stock									0	(6,275)	0
Borrowings under debt arrangements									7,000	4,400	18,500
Repayment of borrowings under debt arrangements									(2,000)	(19,212)	(4,075)
Dividends paid to preferred shareholders									0	(384)	(191)
Payment of offering costs									0	(1,837)	0
Net cash provided by financing activities									4,375	12,758	48,769
Net (decrease) increase in cash									2,110	1,379	735
Cash at beginning of period				$ 2,529				$ 1,150	2,529	1,150	415
Cash at end of period	$ 4,639				$ 2,529				4,639	2,529	1,150
Supplemental Disclosure of Cash Flow Information:
Interest paid										844	510
Non-cash dividend received from subsidiaries									$ 0	$ 400	$ 0

Schedule II - Condensed Finan91

Schedule II - Condensed Financial Information of Registrant - Additional Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Parent Company [Member]
Condensed Cash Flow Statements, Captions [Line Items]
Dividends received from subsidiaries during period	$ 5,450	$ 2,700	$ 500

Schedule V - Valuation and Qu92

Schedule V - Valuation and Qualifying Accounts (Details) - Valuation for Deferred Tax Assets [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Movement in Valuation Allowances and Reserves [Roll Forward]
Balance at Beginning of Period	$ 5,160	$ 6,917	$ 4,634
Charged to Expense	2,808	0	2,283
Decrease to Other Comprehensive Income	421	0	0
Deductions from Allowance Account	0	(1,757)	0
Balance at End of Period	$ 8,389	$ 5,160	$ 6,917