Conifer (CNFR) 10-K 11 Mar 21 2020 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Mar. 11, 2021	Jun. 28, 2019
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	FY
Entity Registrant Name	Conifer Holdings, Inc.
Entity Central Index Key	0001502292
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Interactive Data Current	Yes
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Entity Well-known Seasoned Issuer	No
Entity Public Float			$ 21.3
Entity Common Stock, Shares Outstanding		9,681,728
Entity Shell Company	false
Entity Small Business	true
Entity Emerging Growth Company	false
Title of 12(b) Security	Common Stock, no par value
Trading Symbol	CNFR
Security Exchange Name	NASDAQ
Entity File Number	001-37536
Entity Incorporation, State or Country Code	MI
Entity Tax Identification Number	27-1298795
Entity Address, Address Line One	550 West Merrill Street
Entity Address, Address Line Two	Suite 200
Entity Address, City or Town	Birmingham
Entity Address, State or Province	MI
Entity Address, Postal Zip Code	48009
City Area Code	248
Local Phone Number	559-0840
Document Annual Report	true
Document Transition Report	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Investment securities:
Debt securities, at fair value (amortized cost of $149,954 and $129,313, respectively)	$ 151,999	$ 131,000
Equity securities, at fair value (cost of $16,912 and $6,554, respectively)	17,891	7,306
Short-term investments, at fair value	13,317	31,426
Total investments	183,207	169,732
Cash and cash equivalents	8,193	7,464
Premiums and agents' balances receivable, net	20,162	20,168
Receivable from Affiliate	8	313
Reinsurance recoverables on unpaid losses	24,218	22,579
Reinsurance recoverables on paid losses	2,138	5,155
Prepaid reinsurance premiums	1,316	1,250
Deferred policy acquisition costs	12,243	11,906
Other assets	10,112	8,698
Total assets	261,597	247,265
Liabilities:
Unpaid losses and loss adjustment expenses	111,270	107,246
Unearned premiums	56,224	51,503
Debt	40,997	35,824
Accounts payable and accrued expenses	8,693	9,967
Total liabilities	217,184	204,540
Commitments and contingencies	0	0
Shareholders' equity:
Common stock, no par value (100,000,000 shares authorized; 9,681,728 and 9,592,861 issued and outstanding, respectively)	92,486	91,816
Accumulated deficit	(48,985)	(49,580)
Accumulated other comprehensive income (loss)	912	489
Total shareholders' equity	44,413	42,725
Total liabilities and shareholders' equity	$ 261,597	$ 247,265

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Statement Of Financial Position [Abstract]
Debt securities, amortized cost	$ 149,954	$ 129,313
Equity securities, amortized cost	$ 16,912	$ 6,554
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	9,681,728	9,592,861
Common stock, shares outstanding (in shares)	9,681,728	9,592,861

Consolidated Statements of Oper

Consolidated Statements of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Revenue
Gross earned premiums	$ 106,614	$ 103,203	$ 109,188
Ceded earned premiums	(17,511)	(14,114)	(15,377)
Net earned premiums	89,103	89,089	93,811
Net investment income	3,156	4,031	3,336
Net realized investment gains	8,126	1,196	61
Change in fair value of equity securities	228	(427)	121
Other gains (losses)	260	0	0
Other income	2,615	2,109	1,582
Total revenue	103,488	95,998	98,911
Expenses
Losses and loss adjustment expenses, net	56,228	59,744	62,515
Policy acquisition costs	26,105	24,911	25,534
Operating expenses	18,468	17,582	17,683
Interest expense	2,925	2,882	2,644
Total expenses	103,726	105,119	108,376
Income (loss) before income taxes	(238)	(9,121)	(9,465)
Equity earnings in Affiliate, net of tax	839	386	290
Income tax expense (benefit)	6	(913)	52
Net income (loss)	$ 595	$ (7,822)	$ (9,227)
Net income (loss) per share, basic and diluted	$ 0.06	$ (0.88)	$ (1.08)
Weighted average common shares outstanding, basic and diluted	9,625,059	8,880,107	8,543,876

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Statement Of Income And Comprehensive Income [Abstract]
Net income (loss)	$ 595	$ (7,822)	$ (9,227)
Unrealized investment gains (losses):
Unrealized investment gains (losses) during the period	1,589	3,725	(1,825)
Income tax expense (benefit)	0	824	0
Unrealized investment gains (losses), net of tax	1,589	2,901	(1,825)
Less: reclassification adjustments to:
Net realized investment gains (losses) included in net income (loss)	1,166	(200)	(55)
Income tax expense (benefit)	0	0	0
Total reclassifications included in net income (loss), net of tax	1,166	(200)	(55)
Other comprehensive income (loss)	423	3,101	(1,770)
Total comprehensive income (loss)	$ 1,018	$ (4,721)	$ (10,997)

Consolidated Statement of Chang

Consolidated Statement of Changes in Shareholders' Equity - USD ($) $ in Thousands	Total	Cumulative Effect, Period of Adoption, Adjusted Balance	No Par, Common Stock	No Par, Common StockCumulative Effect, Period of Adoption, Adjusted Balance	Retained Earnings (Accumulated deficit)	Retained Earnings (Accumulated deficit)Cumulative Effect, Period of Adoption, Adjustment	Retained Earnings (Accumulated deficit)Cumulative Effect, Period of Adoption, Adjusted Balance	Accumulated Other Comprehensive Income (Loss)	Accumulated Other Comprehensive Income (Loss)Cumulative Effect, Period of Adoption, Adjustment	Accumulated Other Comprehensive Income (Loss)Cumulative Effect, Period of Adoption, Adjusted Balance
Balance at beginning of period at Dec. 31, 2017	$ 52,826	$ 52,826	$ 86,199	$ 86,199	$ (33,010)		$ (32,531)	$ (363)		$ (842)
Balance at beginning of period (ASU No. 2016-01) at Dec. 31, 2017						$ 556			$ (556)
Balance at beginning of period (ASU No. 2018-02) at Dec. 31, 2017						$ (77)			$ 77
Balance at end of period (in shares) at Dec. 31, 2017			8,520,328	8,520,328
Net income (loss)	(9,227)		$ 0		(9,227)
Repurchase of common stock	(636)		$ (636)					0
Repurchase of common stock (in shares)			(137,228)
Restricted stock units expense	970		$ 970					0
Restricted stock units expense (in shares)			95,102
Other comprehensive income (loss)	(1,770)							(1,770)
Balance at end of period (in shares) at Dec. 31, 2018			8,478,202
Balance at end of period at Dec. 31, 2018	42,163		$ 86,533		(41,758)			(2,612)
Net income (loss)	(7,822)				(7,822)
Repurchase of common stock	(676)		$ (676)
Repurchase of common stock (in shares)			(163,527)
Issuance of common stock in private placement	5,000		$ 5,000
Issuance of common stock in private placement (in shares)			1,176,471
Restricted stock units expense	959		$ 959
Restricted stock units expense (in shares)			101,715
Other comprehensive income (loss)	3,101							3,101
Balance at end of period (in shares) at Dec. 31, 2019			9,592,861
Balance at end of period at Dec. 31, 2019	42,725		$ 91,816		(49,580)			489
Net income (loss)	595				595
Repurchase of common stock	(36)		$ (36)
Repurchase of common stock (in shares)			(11,586)
Stock-based compensation expense	706		$ 706
Stock-based compensation expense, Shares			100,453
Other comprehensive income (loss)	423							423
Balance at end of period (in shares) at Dec. 31, 2020			9,681,728
Balance at end of period at Dec. 31, 2020	$ 44,413		$ 92,486		$ (48,985)			$ 912

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Cash Flows from Operating Activities
Net income (loss)	$ 595	$ (7,822)	$ (9,227)
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:
Depreciation and amortization	437	453	386
Amortization of bond premium and discount, net	655	568	455
Net realized investment gains	(8,126)	(1,196)	(61)
Change in fair value of equity securities	(228)	427	(121)
Stock-based compensation	706	959	970
Equity earnings in Affiliate, net of tax	(839)	(386)	(290)
Other	(262)	(824)
(Increase) decrease in:
Premiums, agents' balances and other receivables	311	4,348	(789)
Reinsurance recoverables	1,378	7,011	(10,206)
Prepaid reinsurance premiums	(66)	579	(748)
Deferred policy acquisition costs	(337)	105	770
Other assets	908	(489)	(1,252)
Increase (decrease) in:
Unpaid losses and loss adjustment expenses	4,024	14,439	4,911
Unearned premiums	4,721	(1,349)	(4,820)
Reinsurance premiums payable			(3,299)
Accounts payable and other liabilities	(895)	(1,462)	6,313
Net cash provided by (used in) operating activities	2,982	15,361	(17,008)
Cash Flows From Investing Activities
Purchases of investments	(391,588)	(157,235)	(91,293)
Proceeds from maturities and redemptions of investments	23,403	22,401	22,827
Proceeds from sales of investments	360,926	109,882	80,774
Purchases of property and equipment	(78)	(61)	(86)
Net cash provided by (used in) investing activities	(7,337)	(25,013)	12,222
Cash Flows From Financing Activities
Proceeds received from issuance of shares of common stock		5,000
Repurchase of common stock	(36)	(676)	(636)
Borrowings under debt arrangements	5,745	2,100	25,300
Repayment of borrowings under debt arrangements	(625)	(100)	(19,500)
Stock and debt issuance costs			(1,454)
Net cash provided by financing activities	5,084	6,324	3,710
Net increase (decrease) in cash	729	(3,328)	(1,076)
Cash at beginning of period	7,464	10,792	11,868
Cash at end of period	8,193	7,464	10,792
Supplemental Disclosure of Cash Flow Information:
Interest paid	2,586	2,547	3,116
Net income taxes paid (refunded)	$ (82)	$ 35	$ (83)

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2020
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	CONIFER HOLDINGS, INC. AND SUBSIDIARIES Notes to Consolidated Financial Statements 1. Summary of Significant Accounting Policies Recent Developments COVID-19 (the “Pandemic”) has caused significant disruption to public health, the global economy, financial markets, and commercial, social and community activity generally. Our exposure to the Pandemic is manifold. The majority of our employees are working remotely in observance of “shelter-in-place” or “stay-at-home” government orders. A significant portion of our revenues are generated from the hospitality sector of the U.S. economy, which has seen unprecedented contraction, at least in the near term, in an effort to mitigate the effects of the Pandemic. We have continued to provide customer service, process new and renewal business, handle claims and otherwise manage all operations even though the vast majority of the staff is working remotely. 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." The accompanying consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America (“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 three types of insurance businesses: commercial lines, personal lines, and agency business. The Company underwrites a variety of specialty insurance products, including property, general liability, 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, Michigan, and Pennsylvania. Public Debt Offering In 2018, the Company completed a public debt offering of $25.3 million of senior unsecured notes. Refer to Note 7 ~ Debt Summary of Significant Accounting Policies 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. In applying these estimates, management makes subjective and complex judgments that frequently require assumptions about matters that are inherently uncertain, including uncertainties associated with the Pandemic. 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, Cash Equivalents, and Short-term Investments Cash consists of cash deposits in banks, generally in operating accounts. Cash equivalents consist of money-market funds that are specifically used as overnight investments tied to cash deposit accounts. Short-term investments, consisting of money-market funds, are classified as short-term investments in the consolidated balance sheets as they relate to the Company’s investment activities. Lease Effective January 1, 2019, the Company adopted FASB Accounting Standards Update ("ASU") No. 2016-02, Leases (Topic 842), which addresses the financial reporting of leasing transactions. This update required 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 amortized over the lease term with expense recognized on a straight-line basis and all cash flows included in the operating section of the consolidated statement of cash flows. We do not have any financing leases. The Company elected to use the transition option of practical expedients permitted within the new standard, which allows for the adoption of the new standard at the effective date without recasting the comparative prior periods presented. Our operating leases consist primarily of real estate utilized in the operation of our businesses with lease terms ranging from 5 to 10 years. Management has determined the appropriate discount rate to use in calculating the right-to-use asset and lease liability is 6.75%. The Company recorded a right-of-use asset of $3.9 million and lease liabilities of $3.9 million included in Other Assets and Other Liabilities in the Consolidated Balance Sheets on January 1, 2019. Investment Securities Debt 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 debt securities with the expectation that they will be held to maturity, however 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 debt securities is recorded as a component of accumulated other comprehensive income (loss), net of the related deferred tax effect, until realized. The debt securities portfolio includes structured 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 structured 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. Equity securities that do not result in consolidation and are not accounted for under the equity method are measured at fair value and any changes in fair value are recognized in net income in the Consolidated Statements of Operations. Mutual fund and similar investments are measured at their net asset value, which approximates fair value. Any changes in the net asset value are recognized in net income in the Consolidated Statements of Operations. The Company carries other equity investments that do not have a readily determinable fair value at cost, less impairment and adjusted for observable price changes under the measurement alternative provided under GAAP. We review these investments for impairment during each reporting period. These investments are a component of Other Assets in the Consolidated Balance Sheets. 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 cannot assert these conditions, an OTTI loss is recorded through the Consolidated Statements of Operations in the current period. For all other impaired 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 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 are applied as a reduction of principal when received. Recognition of Premium Revenues All of the property and casualty policies written by our insurance companies are considered short-duration contracts. These policy premiums are earned on a daily pro-rata basis, net of reinsurance, over the term of the policy, which are primarily 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. 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 the 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 recoverables 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 policy acquisition costs. In 2017, the Company entered into an adverse development cover reinsurance agreement (the "ADC"). The ADC is a retroactive reinsurance contract. If the cumulative losses and loss adjustment expenses ceded under the ADC exceed the consideration paid, the resulting gain from such excess is deferred and amortized into earnings in future periods using the interest method. In any period in which there is a gain position and a revised estimate of claim and allocated claim adjustment expenses, a portion of the deferred gain is cumulatively recognized in earnings as if the revised estimate was available at the inception date of the ADC. As of December 31, 2019, the deferred gain on the ADC was fully recognized. 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 (net of ceding commissions), 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 represents 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, In December 2019, the FASB issued ASU No. 2019-12, Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes As of December 31, 2020 and 2019, 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 June 2016, the FASB issued ASU No. 2016-13, Financial Instruments - Credit Losses (Topic 326), In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform: Facilitation of the Effects of Reference Rate Reform on Financial Reporting

Investments

Investments	12 Months Ended
	Dec. 31, 2020
Investments Debt And Equity Securities [Abstract]
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, 2020 and 2019 were as follows (dollars in thousands): December 31, 2020 Cost or Gross Unrealized Amortized Cost Gains Losses Estimated Fair Value Debt securities: U.S. Government $ 30,743 $ 225 $ (1 ) $ 30,967 State and local government 32,253 1,040 (28 ) 33,265 Corporate debt 19,015 311 (23 ) 19,303 Asset-backed securities 20,987 49 (73 ) 20,963 Mortgage-backed securities 38,512 345 (3 ) 38,854 Commercial mortgage-backed securities 2,083 65 (22 ) 2,126 Collateralized mortgage obligations 6,361 161 (1 ) 6,521 Total debt securities available for sale $ 149,954 $ 2,196 $ (151 ) $ 151,999 December 31, 2019 Cost or Gross Unrealized Amortized Cost Gains Losses Estimated Fair Value Debt securities: U.S. Government $ 9,392 $ 66 $ (6 ) $ 9,452 State and local government 14,388 545 — 14,933 Corporate debt 39,550 865 (21 ) 40,394 Asset-backed securities 19,549 81 (55 ) 19,575 Mortgage-backed securities 31,389 238 (112 ) 31,515 Commercial mortgage-backed securities 9,972 116 (45 ) 10,043 Collateralized mortgage obligations 5,073 29 (14 ) 5,088 Total debt securities available for sale $ 129,313 $ 1,940 $ (253 ) $ 131,000 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 (dollars in thousands): December 31, 2020 Less than 12 months 12 months or More 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 Debt securities: U.S. Government 2 $ 6,764 $ (1 ) - $ - $ - 2 $ 6,764 $ (1 ) State and local government 16 3,905 (28 ) - - - 16 3,905 (28 ) Corporate debt 2 1,051 (23 ) - - - 2 1,051 (23 ) Asset-backed securities 7 6,050 (34 ) 11 6,551 (39 ) 18 12,601 (73 ) Mortgage-backed securities 2 1,652 (3 ) - - - 2 1,652 (3 ) Commercial mortgage -backed securities 1 899 (22 ) - - - 1 899 (22 ) Collateralized mortgage obligations 2 195 (1 ) - - - 2 195 (1 ) Total debt securities available for sale 32 20,516 (112 ) 11 6,551 (39 ) 43 27,067 (151 ) December 31, 2019 Less than 12 months 12 months or More 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 Debt securities: U.S. Government — $ — $ — 4 $ 1,047 $ (6 ) 4 $ 1,047 $ (6 ) State and local government — — — — — — — — — Corporate debt 7 3,720 (17 ) 3 1,697 (4 ) 10 5,417 (21 ) Asset-backed securities 3 2,596 (1 ) 18 11,836 (54 ) 21 14,432 (55 ) Mortgage-backed securities 3 715 (1 ) 13 7,812 (111 ) 16 8,527 (112 ) Commercial mortgage -backed securities 6 6,837 (45 ) — — — 6 6,837 (45 ) Collateralized mortgage obligations 8 2,081 (14 ) — — — 8 2,081 (14 ) Total debt securities available for sale 27 $ 15,949 $ (78 ) 38 $ 22,392 $ (175 ) 65 $ 38,341 $ (253 ) 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, 2020, 2019, and 2018. The Company’s sources of net investment income are as follows (dollars in thousands): December 31, 2020 2019 2018 Debt securities $ 3,213 $ 3,476 $ 3,419 Equity securities 220 352 129 Cash, cash equivalents, and short-term investments 138 487 85 Total investment income 3,571 4,315 3,633 Investment expenses (415 ) (284 ) (297 ) Net investment income $ 3,156 $ 4,031 $ 3,336 The following table summarizes the gross realized gains and losses from sales or maturities of available-for-sale debt securities and equity securities, as follows (dollars in thousands): December 31, 2020 2019 2018 Debt securities: Gross realized gains $ 4,646 $ 269 $ 54 Gross realized losses (8 ) (54 ) (256 ) Total debt securities 4,638 215 (202 ) Equity securities: Gross realized gains 4,854 1,020 337 Gross realized losses (1,366 ) (39 ) (74 ) Total equity securities 3,488 981 263 Total net realized investment gains $ 8,126 $ 1,196 $ 61 Proceeds from the sales of available-for-sale securities were $101.2 million, $33.7 million and $14.6 million for the years ended December 31, 2020, 2019, and 2018, respectively. The gross realized gains from sales of available-for-sale securities for the years ended December 31, 2020, 2019, and 2018 were $4.6 million, $274,000, and $7,000, respectively. The gross realized losses from sales of available-for-sale securities for the years ended December 31, 2020, 2019, and 2018 were $0, $53,000, and $199,000, respectively. As of December 31, 2020 and 2019, there were $1.7 and $2.1 million of payables from securities purchased, respectively. As of December 31, 2020 and 2019, there were $809,000 and $6,000 of receivables from securities sold, respectively. The Company carries other equity investments that do not have a readily determinable fair value at cost, less impairment or observable changes in price. We review these investments for impairment during each reporting period. There was no impairment or observable changes in price recorded during 2020 related to the Company's equity securities without readily determinable fair value. These investments are a component of Other Assets in the Consolidated Balance Sheets. The value of these investments as of December 31, 2020 were $1.2 million. The table below summarizes the amortized cost and fair value of available-for-sale debt securities by contractual maturity at December 31, 2020. Actual maturities may differ from contractual maturities because certain borrowers have the right to call or prepay obligations with or without call or prepayment penalties (dollars in thousands): Amortized Cost Estimated Fair Value Due in one year or less $ 7,786 $ 7,868 Due after one year through five years 40,581 41,238 Due after five years through ten years 15,113 15,508 Due after ten years 18,531 18,921 Securities with contractual maturities 82,011 83,535 Asset-backed securities 20,987 20,963 Mortgage-backed securities 38,512 38,854 Commercial mortgage-backed securities 2,083 2,126 Collateralized mortgage obligations 6,361 6,521 Total debt securities $ 149,954 $ 151,999 At December 31, 2020 and 2019, the Insurance Companies Subsidiaries had an aggregate of $8.8 million and $8.0 million, respectively, on deposit in trust accounts to meet the deposit requirements of various state insurance departments. At December 31, 2020 and 2019, the Company had $67.6 million and $58.4 million 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, 2020
Fair Value Disclosures [Abstract]
Fair Value Measurements	The Company’s financial instruments include assets carried at fair value, as well as debt carried at face value, net of unamortized debt issuance costs, but disclosed at fair value in this note. 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. Net Asset Value (NAV) —The fair values of investment company limited partnership investments are based on the capital account balances reported by the investment funds subject to their management review and adjustment. These capital account balances reflect the fair value of the investment funds. The following tables present the Company’s assets and liabilities measured at fair value, classified by the valuation hierarchy as of December 31, 2020 and 2019 (dollars in thousands): December 31, 2020 Fair Value Measurements Using Total Level 1 Level 2 Level 3 Assets: Debt Securities: U.S. Government $ 30,967 $ — $ 30,967 $ — State and local government 33,265 — 33,265 — Corporate debt 19,303 — 19,303 — Asset-backed securities 20,963 — 20,963 — Mortgage-backed securities 38,854 — 38,854 — Commercial mortgage-backed securities 2,126 — 2,126 — Collateralized mortgage obligations 6,521 — 6,521 — Total debt securities 151,999 — 151,999 — Equity Securities 17,336 17,053 283 — Short-term investments 13,317 13,317 — — Total marketable investments measured at fair value $ 182,652 $ 30,370 $ 152,282 $ — Investments measured at NAV: Investment in limited partnership 555 Total assets measured at fair value $ 183,207 Liabilities: Senior Unsecured Notes * $ 20,675 $ — $ 20,675 $ — Subordinated Notes * 11,616 — — 11,616 Line of credit * 5,000 — 5,000 — Paycheck Protection Program loan * 2,745 — 2,745 — Total Liabilities measured at fair value $ 40,036 $ — $ 28,420 $ 11,616 * Carried at face value of debt net of unamortized debt issuance costs on the consolidated balance sheet December 31, 2019 Fair Value Measurements Using Total Level 1 Level 2 Level 3 Assets: Debt Securities: U.S. Government $ 9,452 $ — $ 9,452 $ — State and local government 14,933 — 14,933 — Corporate debt 40,394 — 40,394 — Asset-backed securities 19,575 — 19,575 — Mortgage-backed securities 31,515 — 31,515 — Commercial mortgage-backed securities 10,043 — 10,043 — Collateralized mortgage obligations 5,088 — 5,088 — Total debt securities 131,000 — 131,000 — Equity Securities 6,599 6,335 264 — Short-term investments 31,426 31,426 — — Total marketable investments measured at fair value $ 169,025 $ 37,761 $ 131,264 $ — Investments measured at NAV: Investment in limited partnership 707 Total assets measured at fair value $ 169,732 Liabilities: Senior Unsecured Notes * $ 22,669 $ — $ 22,669 $ — Subordinated Notes * 11,222 — — 11,222 Total Liabilities measured at fair value $ 33,891 $ — $ 22,669 $ 11,222 * Carried at face value of debt net of unamortized debt issuance costs 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 16.6% of the fair value of the total investment portfolio as of December 31, 2020. Level 2 investments include debt securities and equity 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 83.1% of the fair value of the total investment portfolio as of December 31, 2020. 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. As of December 31, 2020 and 2019, Level 3 liabilities are entirely comprised of the Company's subordinated notes. In determining the fair value of the subordinated debt outstanding at December 31, 2020 and 2019, the security attributes (issue date, maturity, coupon, calls, etc.) and market rates on September 24, 2018 (the date of the restated and amended agreement which was repriced at that time) were entered into a valuation model. A lognormal trinomial interest rate lattice was created within the model to compute the option adjusted spread (“OAS”) which is the amount, in basis points, of interest rate required to be paid under the debt agreement over the risk-free U.S. Treasury rates. The OAS was then entered back into the model along with the December 31, 2020 and 2019, U.S. Treasury rates, respectively. A new lattice was generated and the fair value was computed from the OAS. There were no changes in assumptions of credit risk from the issuance date.

Deferred Policy Acquisition Cos

Deferred Policy Acquisition Costs	12 Months Ended
	Dec. 31, 2020
Deferred Policy Acquisition Costs Disclosures [Abstract]
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, 2020, 2019, and 2018. The activity in deferred policy acquisition costs, net of reinsurance transactions, is as follows (dollars in thousands): December 31, 2020 2019 2018 Balance at beginning of period $ 11,906 $ 12,011 $ 12,781 Deferred policy acquisition costs 26,442 24,806 24,764 Amortization of policy acquisition costs (26,105 ) (24,911 ) (25,534 ) Net change 337 (105 ) (770 ) Balance at end of period $ 12,243 $ 11,906 $ 12,011

Unpaid Losses and Loss Adjustme

Unpaid Losses and Loss Adjustment Expenses	12 Months Ended
	Dec. 31, 2020
Insurance Loss Reserves [Abstract]
Unpaid Losses and Loss Adjustment Expenses	5. 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 (dollars in thousands): December 31, 2020 2019 2018 Gross reserves - beginning of period $ 107,246 $ 92,807 $ 87,896 Less: reinsurance recoverables on unpaid losses 22,579 29,685 20,066 Plus: deferred gain on ADC — (5,677 ) — Net reserves - beginning of period 84,667 68,799 67,830 Add: incurred losses and loss adjustment expenses, net of reinsurance Current period 40,634 49,192 53,482 Prior period 15,594 10,552 9,033 Total net incurred losses and loss adjustment expenses 56,228 59,744 62,515 Deduct: loss and loss adjustment expense payments, net of reinsurance Current period 13,599 14,357 17,025 Prior period 40,244 29,519 44,521 Total net loss and loss adjustment expense payments 53,843 43,876 61,546 Net reserves - end of period 87,052 84,667 68,799 Plus: reinsurance recoverables on unpaid losses 24,218 22,579 29,685 Less: deferred gain on ADC — — (5,677 ) Gross reserves - end of period $ 111,270 $ 107,246 $ 92,807 There was $15.6 million, $10.6 million, and $9.0 million of adverse development on prior accident year reserves in 2020, 2019 and 2018, respectively. There were no significant changes in the key methods utilized in the analysis and calculations of the Company’s reserves during 2020, 2019 or 2018. In 2020, the adverse development consisted of $15.2 million from commercial lines and $352,000 from personal lines. Of the $15.2 million of adverse development in commercial lines, the Company experienced $12.0 million and $3.2 million of adverse development in its hospitality and small business lines of business, respectively. The $352,000 of adverse development in personal lines mostly was related to wind-exposed business. In 2019, the adverse development consisted of $7.6 million from commercial lines and $3.0 million from personal lines. Of the $7.6 million of adverse development in commercial lines, the company experienced $11.0 million and $2.4 million of adverse development in its hospitality and small business lines of business, respectively. This was offset by the remaining $5.7 million of benefit from the ADC that was recognized in 2019. Of the $3.0 million of adverse development in personal lines in 2019, $1.7 million was related to Florida homeowners business. In 2018, the adverse development consisted of $6.2 million from commercial lines and $2.8 million from personal lines. Of the $6.2 million of adverse development in commercial lines, $4.2 million was related to the commercial liability business. Of the $2.8 million of adverse development in personal lines, $2.0 million and $727,000 were related to the Florida homeowners and Texas homeowners business, respectively. This included $960,000 of adverse development related to hurricanes Harvey and Irma. On September 28, 2017, the Company entered into an ADC reinsurance agreement to cover loss development of up to $17.5 million in excess of stated reserves as of June 30, 2017, for accident years 2005 through 2016. The agreement attached when net losses exceed $1.4 million of the $36.6 million carried reserves at June 30, 2017, and extended to $19.5 million in coverage up to $57.5 million. The Company retained a 10% co-participation for any development in excess of the retention. As of December 31, 2019, the deferred gain from the ADC was fully utilized. In 2018, the Company ceded $10.3 million of losses under the ADC. Of the $10.3 million, $4.6 million was recognized as a benefit, reducing losses and LAE expense, and $5.7 million was deferred (recorded as a liability on the Consolidated Balance Sheets) and was amortized into income as a benefit in 2019. As of December 31, 2018, the Company had ceded to the limit of the ADC. In 2017, $7.2 million of adverse development was ceded to the ADC. Discussion of adverse development is net of benefits recognized under the ADC in that period. Incurred losses during 2018 included $583,000 in net catastrophe losses in the current calendar year related to Hurricane Harvey in Texas. Of the $583,000 in net catastrophe losses, personal lines accounted for $960,000 of the losses while commercial lines saw $377,000 of favorable development in calendar year 2018. Losses from Hurricane Irma were in excess of the Company’s $4.0 million retention on its catastrophe reinsurance treaty which resulted in $10.0 million of losses being ceded to the treaty during 2018. This also resulted in a $1.0 million charge for catastrophe reinsurance reinstatement premiums which was recorded as ceded premiums in 2018. Loss Development Tables The following tables represent cumulative incurred loss and allocated loss adjustment expenses ("ALAE"), net of reinsurance, by accident year and cumulative paid loss and ALAE, net of reinsurance, by accident year, for the years ended December 31, 2011 to 2020, as well as total IBNR and the cumulative number of reported claims for the year ended December 31, 2020, 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 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2020 2020 2011 $ 6,753 $ 5,758 $ 5,326 $ 5,049 $ 4,932 $ 4,903 $ 4,935 $ 4,933 $ 4,933 $ 4,977 $ — 591 2012 7,745 6,421 6,288 6,384 6,253 6,190 6,209 6,209 6,245 — 570 2013 10,018 9,435 9,893 10,237 11,252 11,218 11,624 11,804 40 611 2014 19,709 19,907 22,711 26,367 28,145 28,766 29,045 125 1,753 2015 22,442 26,633 31,861 34,478 36,372 37,795 507 2,359 2016 32,396 34,935 40,440 44,355 46,089 802 3,554 2017 44,251 44,495 49,749 51,883 1,489 5,804 2018 42,624 42,432 49,741 3,610 6,092 2019 41,286 42,129 8,644 6,201 2020 33,867 16,225 3,483 Total $ 313,575 $ 31,442 Cumulative paid loss and allocated loss adjustment expenses, net of reinsurance Accident Year 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2011 $ 2,645 $ 3,534 $ 3,964 $ 4,449 $ 4,641 $ 4,744 $ 4,872 $ 4,903 $ 4,907 $ 4,914 2012 2,325 3,703 4,696 5,558 5,994 6,065 6,209 6,209 6,245 2013 3,979 6,211 7,643 8,622 10,147 10,650 11,137 11,620 2014 8,715 13,977 17,458 22,446 25,609 27,544 28,389 2015 10,470 17,817 22,549 30,475 34,497 35,833 2016 10,255 19,135 27,785 37,967 41,945 2017 12,448 23,020 34,205 42,308 2018 10,375 19,799 31,633 2019 10,078 20,462 2020 10,217 Total $ 233,566 Unpaid losses and ALAE, years 2011 through 2020 $ 80,009 Unpaid losses and ALAE, prior to 2011 (1)* 8 Unpaid losses and ALAE, net of reinsurance $ 80,017 * 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, there is exposure to incurred losses prior to the 2011 accident year. Personal Lines Incurred loss and allocated loss adjustment expenses, net of reinsurance Total IBNR Cumulative number of reported claims Accident For the years ended December 31, Year 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2020 2020 2011 $ 1,678 $ 1,758 $ 1,981 $ 2,031 $ 2,030 $ 2,045 $ 2,027 $ 2,024 $ 2,024 $ 2,024 $ — 717 2012 9,960 11,690 11,740 12,159 12,390 12,365 12,357 12,369 12,382 — 3,339 2013 18,034 17,996 18,925 19,138 19,167 19,202 19,222 19,226 — 5,208 2014 17,951 17,471 17,735 17,880 17,929 18,082 18,095 — 3,737 2015 10,877 13,445 14,721 15,285 15,364 15,427 — 2,152 2016 11,619 13,418 14,949 15,550 15,655 — 1,814 2017 14,058 13,550 14,493 14,793 — 2,913 2018 5,893 6,378 6,283 — 802 2019 3,099 2,712 68 340 2020 2,339 484 323 Total $ 108,936 $ 552 Cumulative paid loss and allocated loss adjustment expenses, net of reinsurance Accident For the years ended December 31, Year 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2011 $ 787 $ 1,292 $ 1,633 $ 1,859 $ 1,983 $ 2,021 $ 2,024 $ 2,024 $ 2,024 $ 2,024 2012 5,665 9,251 10,844 11,777 12,202 12,306 12,329 12,349 12,382 2013 9,955 15,883 18,052 18,600 19,014 19,174 19,214 19,222 2014 12,819 16,515 17,260 17,746 17,855 18,047 18,068 2015 7,771 11,873 13,844 15,159 15,250 15,290 2016 7,119 11,238 14,442 15,110 15,351 2017 8,320 12,944 14,004 14,526 2018 4,296 5,618 6,100 2019 2,119 2,604 2020 1,307 Total $ 106,874 Unpaid losses and ALAE, years 2011 through 2020 $ 2,062 Unpaid losses and ALAE, prior to 2011 (1)* — Unpaid losses and ALAE, net of reinsurance $ 2,062 * 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, there is exposure to losses incurred losses prior to the 2011 accident year. Total Lines Incurred loss and allocated loss adjustment expenses, net of reinsurance Total IBNR Cumulative number of reported claims Accident For the years ended December 31, Year 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2020 2020 2011 8,431 7,517 7,307 7,081 6,963 6,949 6,964 6,957 6,957 7,001 — 1,308 2012 17,705 18,111 18,028 18,544 18,642 18,554 18,566 18,578 18,627 — 3,909 2013 28,052 27,431 28,817 29,375 30,419 30,420 30,846 31,030 40 5,819 2014 37,660 37,378 40,446 44,247 46,074 46,848 47,140 125 5,490 2015 33,319 40,078 46,581 49,763 51,736 53,222 507 4,511 2016 44,015 48,353 55,389 59,905 61,744 802 5,368 2017 58,309 58,045 64,242 66,676 1,489 8,717 2018 48,517 48,810 56,024 3,610 6,894 2019 44,385 44,841 8,712 6,541 2020 36,206 16,709 3,806 Total 422,511 31,994 Cumulative paid loss and allocated loss adjustment expenses, net of reinsurance Accident For the years ended December 31, Year 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2011 $ 3,432 $ 4,826 $ 5,597 $ 6,308 $ 6,624 $ 6,766 $ 6,897 $ 6,927 $ 6,931 $ 6,938 2012 7,990 12,954 15,540 17,335 18,195 18,369 18,538 18,558 18,627 2013 13,934 22,094 25,695 27,223 29,162 29,824 30,351 30,842 2014 21,534 30,492 34,718 40,192 43,464 45,591 46,457 2015 18,241 29,690 36,393 45,634 49,747 51,123 2016 17,374 30,373 42,227 53,077 57,296 2017 20,768 35,964 48,209 56,834 2018 14,671 25,417 37,733 2019 12,197 23,066 2020 11,524 Total $ 340,440 Unpaid losses and ALAE, years 2011 through 2020 $ 82,071 Unpaid losses and ALAE, prior to 2011 (1)* 8 Unpaid losses and ALAE, net of reinsurance $ 82,079 * 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. The following table reconciles the loss development information to the consolidated balance sheet for the year ended December 31, 2020, by reportable segment (dollars in thousands). December 31, 2020 Net unpaid losses claims and ALAE Commercial Lines $ 80,017 Personal Lines 2,062 Total unpaid losses and LAE, net of reinsurance 82,079 Reinsurance recoverable on losses and LAE Commercial Lines 21,770 Personal Lines 2,448 Total reinsurance recoverable on unpaid losses and LAE 24,218 ULAE expense 4,973 Total gross unpaid losses and LAE $ 111,270 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 38.0% 27.7% 17.5% 9.1% 4.3% 1.9% 1.0% 0.4% —% 0.1% Personal Lines 77.9% 16.8% 3.3% 0.9% 0.8% 0.1% —% 0.2% —% —% Total Lines 39.8% 27.2% 16.9% 8.8% 4.1% 1.9% 0.9% 0.3% —% 0.1%

Reinsurance

Reinsurance	12 Months Ended
	Dec. 31, 2020
Reinsurance Disclosures [Abstract]
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 commercial liability risks in excess of $400,000 in 2020 and 2019 and $500,000 in 2018. The Company ceded 40% of specific commercial property risks in excess of $400,000 and 60% in excess of $300,000 in both 2020 and 2019. The Company ceded 100% of specific commercial property risks in excess of $300,000 in 2018. The Company ceded homeowners specific risks in excess of $300,000 in 2020, 2019, and 2018. 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. "Facultative" reinsurance is where a reinsurer negotiates an individual reinsurance agreement for every policy it will reinsure on a policy-by-policy basis. A loss is covered under a reinsurance contract if the loss occurs within the effective dates of the agreement notwithstanding when the loss is reported. 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 • Effective January 1, 2019 through December 31, 2020, the Company was party to a workers' compensation and casualty clash reinsurance treaty with limits up to $19.0 million in excess of a $1.0 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. • Effective January 1, 2015 through December 31, 2018, the Company was party to a casualty clash reinsurance treaty with limits up to $18.0 million in excess of a $2.0 million retention. Facultative • The Company was party to a facultative reinsurance agreement with a large reinsurer for property risks with total insured values above the other reinsurance treaty limits. Liability • Effective January 1, 2019 through December 31, 2020, the Company was party to an excess of loss reinsurance treaty for commercial liability coverage with limits up to $600,000 in excess of $400,000. Property • Effective January 1, 2020 through December 31, 2020, the Company was party to an excess of loss reinsurance treaty for personal property coverage with limits up to $1.7 million in excess of $300,000, for homeowners' and dwelling fire business. • Effective November 1, 2014 through December 31, 2019, the Company was party to an excess of loss reinsurance treaty for personal property coverage with limits up to $2.7 million in excess of $300,000, for homeowners' and dwelling fire business. • Effective January 1, 2020 through December 31, 2020, the Company was party to an excess of loss reinsurance treaty for commercial property coverage with limits up to $7.7 million in excess of $300,000. • Effective January 1, 2019 through December 31, 2019, the Company was party to an excess of loss reinsurance treaty for commercial property coverage with limits up to $3.7 million in excess of $300,000. • Effective January 1, 2018 through December 31, 2018, the Company was party to an excess of loss reinsurance treaty for commercial property coverage with limits up to $200,000 in excess of $300,000. • Effective July 1, 2015 through December 31, 2018, the Company was party to an excess of loss reinsurance agreement for commercial property coverage with limits up to $2.0 million in excess of $2.0 million. • At December 31, 2020, the Company was covered for property catastrophe losses up to $28.0 million in excess of a $2.0 million retention for the first event. This treaty terminates on June 1, 2021. • At December 31, 2019, the Company was covered for property catastrophe losses up to $28.0 million in excess of a $2.0 million retention for the first event. This treaty terminated on June 1, 2020. • At December 31, 2018, the Company was covered for property catastrophe losses up to $96.0 million in excess of a $4.0 million retention for the first event. The treaty terminated on June 1, 2019. • At December 31, 2017, the Company was covered for property catastrophe losses up to $106.0 million in excess of a $4.0 million retention for the first event. The treaty terminated on June 1, 2018. Multiple Line • Effective January 1, 2019 through December 31, 2020, the Company was party to a multi-line excess of loss treaty that covers commercial property and casualty losses up to $600,000 in excess of a $400,000 retention. • Effective January 1, 2015 through December 31, 2018, the Company was party to a multi-line excess of loss treaty that covers commercial property and casualty losses up to $1.5 million in excess of a $500,000 retention. Quota Share • The Company cedes 90% to 100% of its commercial umbrella coverages under quota share treaties. Under a quota share agreement, the reinsurer pays a percentage of all losses the insurer sustains in return for a similar percent of the premiums written on that risk. A ceding commission is paid by the reinsurer to the insurer to cover acquisition and operating expenses. Equipment Breakdown, Employment Practice Liability, and Data Compromise and Identity Recovery • The Company ceded 100% of a small number of equipment breakdown, employment practices liability, and data compromise coverages that are occasionally bundled with other products under a quota share agreement with a reinsurer. The Company assumes written premiums under a few fronting 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. The Company assumed $28.9 million, $33.5 million, and $31.1 million of written premiums under the insurance fronting arrangements for the years ended December 31, 2020, 2019, and 2018, respectively. The following table presents the effects of reinsurance and assumption transactions on written premiums, earned premiums and losses and LAE (dollars in thousands). The 2020, 2019 and 2018 ceded written and earned premium amounts include $195,000, $495,000 and $1.0 million of reinsurance reinstatement costs relating to Hurricane Irma, respectively. Year Ended December 31, 2020 2019 2018 Written premiums: Direct $ 82,430 $ 68,394 $ 73,290 Assumed 28,905 33,459 31,078 Ceded (18,395 ) (14,129 ) (15,282 ) Net written premiums $ 92,940 $ 87,724 $ 89,086 Earned premiums: Direct $ 75,130 $ 70,911 $ 80,691 Assumed 31,484 32,292 28,497 Ceded (17,511 ) (14,114 ) (15,377 ) Net earned premiums $ 89,103 $ 89,089 $ 93,811 Loss and loss adjustment expenses: Direct $ 48,780 $ 66,256 $ 65,284 Assumed 24,429 25,510 20,671 Ceded (16,981 ) (32,022 ) (23,440 ) Net loss and LAE $ 56,228 $ 59,744 $ 62,515

Debt

Debt	12 Months Ended
	Dec. 31, 2020
Debt Disclosure [Abstract]
Debt	7. Debt The Company’s debt is comprised of four instruments: $24.4 million of publicly traded senior unsecured notes which were issued in 2018, a $10.0 million line of credit which commenced in June 2018, $10.5 million of privately placed subordinated notes, and a $2.7 million PPP loan issued as part of the CARES Act. A summary of the Company's outstanding debt is as follows (dollars in thousands): December 31, 2020 2019 Senior unsecured notes $ 23,665 $ 24,288 Subordinated notes 9,587 9,536 Line of credit 5,000 2,000 Paycheck Protection Program loan 2,745 — Total $ 40,997 $ 35,824 * The PPP loan was embedded into the line of credit facility. See below. Senior unsecured notes The Company issued $25.3 million of Notes in 2018. The Notes bear an interest rate of 6.75% per annum, payable quarterly at the end of March, June, September and December and mature on September 30, 2023. The Company may redeem the Notes, in whole or in part, at face value at any time after September 30, 2021. The Company repurchased 36,761 units of the Notes in the public market during 2020 with a face value of $919,000. The Notes were repurchased at a discount to face value, which resulted in a $260,000 gain on extinguishment in 2020. This gain is reflected in the Consolidated Statement of Operations as Other gains. Subordinated notes The Company also has outstanding $10.5 million of subordinated notes maturing on September 30, 2038. The subordinated Notes bear an interest rate of 7.5% per annum until September 30, 2023, and 12.5% thereafter, and allow for four quarterly interest payment deferrals. Interest is payable quarterly at the end of March, June, September and December. Beginning September 30, 2021, the Company may redeem the subordinated Notes, in whole or in part, for a call premium of $1.1 million. The call premium escalates each quarter to ultimately $1.75 million on September 30, 2023, then steps up to $3.05 million on December 31, 2023, and increases quarterly at a 12.5% per annum rate thereafter. As of December 31, 2020, the carrying value of the Notes and subordinated notes are offset by $715,000 and $913,000 of debt issuance costs, respectively. The debt issuance costs will be amortized through interest expense over the life of the loans. The subordinated notes contain various restrictive financial debt covenants that relate to the Company’s minimum tangible net worth, minimum fixed-charge coverage ratios, dividend paying capacity, reinsurance retentions, and risk-based capital ratios. At December 31, 2020, the Company was in compliance with all of its financial debt covenants. Line of credit The Company maintains a $10.0 million line of credit with a national bank (the “Lender”). The line of credit bears interest at the London Interbank rate ("LIBOR") plus 2.75% per annum, payable monthly. The agreement includes several financial debt covenants, including a minimum tangible net worth, a minimum fixed-charge coverage ratio, and minimum statutory risk-based capital levels. As of December 31, 2020, the Company had $7.7 million outstanding on the line of credit (including the PPP loan described below) and was in compliance with all of its financial debt covenants. On June 19, 2020, the line of credit was renewed with a maturity of June 18, 2021. Paycheck Protection Program loan On April 24, 2020, the Company received a $2.7 million loan from the line of credit Lender pursuant to the Paycheck Protection Program of the CARES Act administered by the U.S. Small Business Administration (“SBA”). The PPP loan was incorporated into the existing line of credit facility and utilizes a portion of the line of credit’s limit. However, the PPP loan has a different maturity date (April 24, 2022) in accordance with the SBA requirements and bears interest at a rate of 1.0% per annum. The Company amended its $10.0 million line of credit facility with the Lender to incorporate this loan as a reduction of the available line of credit. The loan may be prepaid by the Company at any time prior to maturity with no prepayment penalties. This loan may be subject to forgiveness under the CARES Act provisions. The Company applied for forgiveness of the loan in 2020, at which point the principal and interest payments were deferred until the SBA remits the loan forgiveness amount to the Lender. No assumptions were made relative to potential forgiveness as of December 31, 2020.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Income Taxes	8. Income Taxes At December 31, 2020 and 2019, the Company had current income taxes receivable of $9,000 and $87,000, 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, 2020 2019 2018 Current tax expense (benefit) $ 6 $ 27 $ 52 Deferred tax expense (benefit) — (940 ) — Total income tax expense (benefit) $ 6 $ (913 ) $ 52 The income tax expense (benefit) differed from the amounts computed by applying the statutory U.S. federal income tax rate of 21% in 2020, 2019 and 2018 to pretax income as a result of the following (dollars in thousands): Year Ended December 31, 2020 2019 2018 Income (loss) before income taxes $ (238 ) $ (9,121 ) $ (9,465 ) Statutory U.S. federal income tax rate (50 ) (1,915 ) (1,988 ) State income taxes, net of federal benefit 44 (230 ) (156 ) Tax‑exempt investment income and dividend received deduction (50 ) (79 ) (70 ) Nondeductible meals and entertainment 23 38 38 Valuation allowance on deferred tax assets (205 ) 966 2,331 Other 244 307 (103 ) Income tax expense (benefit) $ 6 $ (913 ) $ 52 Effective tax rate (2.6 )% 10.0 % (0.5 )% In 2018, the Company recognized a measurement period adjustment of $42,735 related to loss reserve discounting, which reduced deferred tax expense. The Company also recognized a measurement period adjustment of $42,735 related to the loss reserve discounting transitional adjustment, which increased deferred tax expense. The measurement period adjustments were based upon obtaining additional information about facts and circumstances that existed as of the enactment date that, if known, would have affected the income tax effects initially reported as provisional amounts under the Act. The measurement period adjustments had no effect on the effective tax rate for the year ending December 31, 2018. The accounting for the income tax effects of the Act pursuant to SAB 118 has been completed as of the end of the December 22, 2018 measurement period and for the year ending December 31, 2018. 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, 2020 2019 Deferred tax assets: Discounted unpaid losses and loss adjustment expenses $ 1,359 $ 1,264 Unearned premiums 2,436 2,266 Net operating loss carryforwards 12,443 12,593 State net operating loss carryforwards 837 873 Other 132 248 Gross deferred tax assets 17,207 17,244 Less valuation allowance (13,292 ) (13,572 ) Total deferred tax assets, net of allowance 3,915 3,672 Deferred tax liabilities: Investment basis difference 30 28 Net unrealized gains on investments 636 512 Deferred policy acquisition costs 2,571 2,500 Intangible assets 115 115 Property and equipment 52 57 Other 511 460 Total deferred tax liabilities 3,915 3,672 Net deferred tax liability $ — $ — The net deferred tax liability is recorded in accounts payable and accrued expenses in the consolidated balance sheets. As of December 31, 2020, the Company has net operating loss carryforwards for federal income tax purposes of $59.2 million, of which $49.3 million expire in tax years 2028 through 2039 and $9.9 million never expire. Of this amount, $14.1 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 $17.1 million, which expire in tax years 2021 through 2040. 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, 2020. 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 $13.3 million and $13.6 million at December 31, 2020 and 2019, 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 2017, the Company is no longer subject to U.S. federal examinations; however, the Internal Revenue Service has the ability to review years prior to 2017 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, 2020
Insurance [Abstract]
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 statutory accounting practices ("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, 2020, 2019, and 2018, the Insurance Company Subsidiaries’ adjusted capital and surplus exceeded their authorized control level as determined by the NAIC’s risk-based capital models. Summarized 2020, 2019, and 2018 statutory basis information for the non-captive Insurance Company Subsidiaries, which differs from generally accepted accounting principles, is as follows (dollars in thousands). CIC WPIC 2020 Statutory capital and surplus $ 49,271 $ 24,723 RBC authorized control level 14,221 4,547 Statutory net income (loss) 2,059 1,024 RBC % 346 % 544 % CIC WPIC 2019 Statutory capital and surplus $ 46,206 $ 23,261 RBC authorized control level 12,868 4,266 Statutory net income (loss) (3,627 ) (3,652 ) RBC % 359 % 545 % CIC WPIC 2018 Statutory capital and surplus $ 47,121 $ 26,588 RBC authorized control level 11,901 4,682 Statutory net income (loss) 1,244 834 RBC % 396 % 568 % 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 Insurance Company Subsidiaries must receive regulatory approval in order to pay dividends to the Parent Company from its Insurance Company Subsidiaries.

Shareholders' Equity

Shareholders' Equity	12 Months Ended
	Dec. 31, 2020
Stockholders Equity Note [Abstract]
Shareholders' Equity	10. Shareholders’ Equity Common Stock In June 2019, the Company issued $5.0 million of common equity through a private placement for 1,176,471 shares priced at $4.25 per share. The participants in the private placement consisted of members of the Company's Board of Directors. The Company used the proceeds for growth capital in the Company's specialty core business segments. On December 5, 2018, the Company's Board of Directors authorized a stock repurchase program, under which the Company may repurchase up to one million shares of the Company's common stock. Shares may be purchased in the open market or through negotiated transactions. The program may be terminated or suspended at any time, at the discretion of the Company. The Company may in the future enter into a Rule 10b5-1 trading plan to effect a portion of the authorized purchases, if criteria set forth in the plan are met. Such a plan would enable the Company to repurchase its shares during periods outside of its normal trading windows, when the Company typically would not be active in the market. The timing of purchases, and the exact number of any shares to be purchased, will depend on market conditions. The repurchase program does not include specific price targets or timetables. For the year ended December 31, 2020, the Company had repurchased 2,398 shares of stock valued at approximately $8,000 related to the stock repurchase program. For the year ended December 31, 2019 the Company had repurchased 154,208 shares of stock valued at approximately $638,000 related to the stock repurchase program. Upon the repurchase of the Company's shares, the shares remain authorized, but not issued or outstanding. For the year ended December 31, 2020, the Company repurchased 9,188 shares of stock valued at approximately $28,000 related to the vesting of the Company’s restricted stock units. For the year ended December 31, 2019, the Company repurchased 9,319 shares of stock valued at approximately $38,000 related to the vesting of the Company’s restricted stock units. Upon the repurchase of the Company’s shares, the shares remain authorized, but not issued or outstanding. As of December 31, 2020 and 2019, the Company had 9,681,728 and 9,592,861 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.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2020
Equity [Abstract]
Accumulated Other Comprehensive Income (Loss)	11. Accumulated Other Comprehensive Income (Loss) The following table presents changes in accumulated other comprehensive income (loss) for unrealized gains and losses on available-for-sale securities (dollars in thousands): Year Ended December 31, 2020 2019 Balance at beginning of period $ 489 $ (2,612 ) Other comprehensive income (loss) before reclassifications 1,589 2,901 Less: amounts reclassified from accumulated other comprehensive income (loss) 1,166 (200 ) Net current period other comprehensive income (loss) 423 3,101 Balance at end of period $ 912 $ 489

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2020
Earnings Per Share [Abstract]
Earnings Per Share	12. Earnings Basic and diluted earnings (loss) per share are computed by dividing net income by the weighted average number of common shares outstanding during the period. The following table presents the calculation of basic and diluted earnings (loss) per common share, as follows (dollars in thousands, except share and per share amounts): Year Ended December 31, 2020 2019 2018 Net income (loss) $ 595 $ (7,822 ) $ (9,227 ) Weighted average common shares, basic and diluted* 9,625,059 8,880,107 8,543,876 Earnings (loss) per share, basic and diluted $ 0.06 $ (0.88 ) $ (1.08 ) * The non-vested shares of the restricted stock units and stock options were anti-dilutive as of December 31, 2020, 2019, and 2018. Therefore, the non-vested shares are excluded from earnings (loss) per share in December 31, 2020, 2019, and 2018.

Stock-based Compensation

Stock-based Compensation	12 Months Ended
	Dec. 31, 2020
Disclosure Of Compensation Related Costs Sharebased Payments [Abstract]
Stock-based Compensation	On June 30, 2020, the Company issued options to purchase 280,000 shares of the Company’s common stock to certain executive officers and other employees. The right to exercise the options will vest over a five-year period on a straight-line basis. The options have a strike price of $3.81 per share and expire on June 30, 2030. The estimated value of these options is $290,000, which will be expensed ratably over the vesting period. In 2015, 2016, and 2018, the Company issued 390,352, 111,281, and 70,000, respectively, of restricted stock units (“RSUs”) to various employees to be settled in shares of common stock, which were valued at $4.1 million, $909,000, and $404,000, respectively, on the dates of grant. The Company recorded $677,000, $959,000, and $970,000 of compensation expense related to the RSUs for the years ended December 31, 2020, 2019, and 2018, respectively. There were 39,708 unvested RSUs as of December 31, 2020, which will generate an estimated future expense of $258,000. The Company recorded $29,000 of compensation expense for the year ended December 31, 2020 related to the stock options granted on June 30, 2020. All of the 280,000 options issued remained outstanding and unvested as of December 31, 2020, which will generate an estimated future expense of $261,000.

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2020
Related Party Transactions [Abstract]
Related Party Transactions	14. Related Party Transactions The Company employs B. Matthew Petcoff as Vice President of SIA. B. Matthew Petcoff is the brother of the Chairman and Chief Executive Officer, James G. Petcoff. The Company employs Nicholas J. Petcoff as its Executive Vice President and a director, Andrew D. Petcoff as its Senior Vice President of Personal Lines, President of SIA and a director, and Hilary Petcoff as its Vice President of Enterprise Risk Management. Nicholas J. Petcoff and Andrew D. Petcoff have been employed with the Company since 2009. They are the sons of the Company's Chairman and Chief Executive Officer, James G. Petcoff. Hilary Petcoff has been employed with the Company since 2009 and was appointed as its Vice President of Enterprise Risk Management in May 2018. Ms. Petcoff is the daughter of the Company’s Chairman and Chief Executive Officer, James G. Petcoff.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2020
Compensation And Retirement Disclosure [Abstract]
Employee Benefit Plans	15. Employee Benefit Plans The Company maintains 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 or post-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 $508,000, $501,000 and $479,000 for the years ended December 31, 2020, 2019 and 2018, respectively.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2020
Commitments And Contingencies Disclosure [Abstract]
Commitments and Contingencies	16. 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 The Company is party to an agreement with an unaffiliated company to provide a 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.

Segment Information

Segment Information	12 Months Ended
	Dec. 31, 2020
Segment Reporting [Abstract]
Segment Information	17. Segment Information The Company is engaged in the sale of property and casualty insurance products and has organized its business model around three classes of insurance businesses: commercial lines, personal lines, and wholesale agency business. Within these three businesses, the Company offers various insurance products and insurance agency services. Such insurance businesses are engaged in underwriting and marketing insurance coverages, and administering claims processing for such policies. The Company views the commercial and personal lines segments as underwriting business (business that takes on insurance underwriting risk). The wholesale agency business provides non-risk bearing revenue through commissions and policy fees. The wholesale agency business increases the product options to the Company’s independent retail agents by offering both insurance products from the Insurance Company Subsidiaries as well as products offered by other insurers. This segment was expanded in 2019, resulting in its separate disclosure. Prior periods have been recast to reflect the separate disclosure of the wholesale agency segment. The Company defines its operating segments as components of the business where separate financial information is available and used by the chief operating decision maker in deciding how to allocate resources to its segments and in assessing its performance. In assessing performance of its operating segments, the Company’s chief operating decision maker, the Chief Executive Officer, reviews a number of financial measures including gross written premiums, net earned premiums, losses and LAE, net of reinsurance recoveries, and other revenue and expenses. 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 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 Michigan, Florida, Texas and California. For the years ended December 31, 2020, 2019, and 2018, gross written premiums attributable to these four states were 49.6%, 50.7%, and 53.1% respectively, of the Company’s total gross written premiums. The following table summarizes our net earned premiums: Net Earned Premium 2020 2019 2018 Commercial 92 % 94 % 89 % Personal 8 % 6 % 11 % Total 100 % 100 % 100 % The wholesale agency business sells insurance products on behalf of the Company’s commercial and personal lines businesses as well as to third-party insurers. Certain acquisition costs incurred by the commercial and personal lines businesses are reflected as commission revenue for the wholesale agency business and are eliminated in the Eliminations category. 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, some finance and information technology personnel, and other corporate headquarters expenses, (ii) interest expense on the Company’s 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, net realized investment gains, and change in fair value of equity securities on the consolidated statements of operations. The Company’s assets on the consolidated balance sheet are not allocated to the reportable segments. The following tables present information by reportable segment (dollars in thousands): Year Ended December 31, 2020 Commercial Lines Personal Lines Under-writing Wholesale Agency Corp-orate Elim-inations Total Gross written premiums $ 102,763 $ 8,572 $ 111,335 $ — $ — $ — $ 111,335 Net written premiums $ 85,385 $ 7,555 $ 92,940 $ — $ — $ — $ 92,940 Net earned premiums $ 82,409 $ 6,694 $ 89,103 $ — $ — $ — $ 89,103 Other income 242 150 392 7,571 245 (5,593 ) 2,615 Segment revenue 82,651 6,844 89,495 7,571 245 (5,593 ) 91,718 Loss and loss adjustment expenses, net 53,263 2,965 56,228 — — — 56,228 Policy acquisition costs 25,051 2,044 27,095 4,938 — (5,928 ) 26,105 Operating expenses 12,644 1,069 13,713 3,107 1,648 — 18,468 Segment expenses 90,958 6,078 97,036 8,045 1,648 (5,928 ) 100,801 Segment underwriting gain (loss) (8,307 ) 766 (7,541 ) (474 ) (1,403 ) 335 (9,083 ) Investment income 3,156 3,156 Net realized investment gains 8,126 8,126 Change in fair value of equity securities 228 228 Other gains 260 260 Interest expense (2,925 ) (2,925 ) Income (loss) before income taxes $ (8,307 ) $ 766 $ (7,541 ) $ (474 ) $ 7,442 $ 335 $ (238 ) Selected Balance Sheet Data: Deferred policy acquisition costs $ 11,858 $ 1,183 $ (798 ) $ 12,243 Unearned premiums 51,535 4,689 56,224 Unpaid losses and loss adjustment expenses 106,662 4,608 111,270 Year Ended December 31, 2019 Commercial Lines Personal Lines Under-writing Wholesale Agency Corp-orate Elim-inations Total Gross written premiums $ 94,391 $ 7,462 $ 101,853 $ — $ — $ — $ 101,853 Net written premiums $ 81,966 $ 5,758 $ 87,724 $ — $ — $ — $ 87,724 Net earned premiums $ 83,858 $ 5,231 $ 89,089 $ — $ — $ — $ 89,089 Other income 216 143 359 9,073 224 (7,547 ) 2,109 Segment revenue 84,074 5,374 89,448 9,073 224 (7,547 ) 91,198 Loss and loss adjustment expenses, net 53,256 6,488 59,744 — — — 59,744 Policy acquisition costs 23,511 1,744 25,255 6,063 — (6,407 ) 24,911 Operating expenses 12,881 1,233 14,114 2,180 1,288 — 17,582 Segment expenses 89,648 9,465 99,113 8,243 1,288 (6,407 ) 102,237 Segment underwriting gain (loss) (5,574 ) (4,091 ) (9,665 ) 830 (1,064 ) $ (1,140 ) (11,039 ) Investment income 4,031 4,031 Net realized investment gains 1,196 1,196 Change in fair value of equity securities (427 ) (427 ) Interest expense (2,882 ) (2,882 ) Income (loss) before income taxes $ (5,574 ) $ (4,091 ) $ (9,665 ) $ 830 $ 854 $ (1,140 ) $ (9,121 ) Selected Balance Sheet Data: Deferred policy acquisition costs $ 12,033 $ 1,007 $ (1,134 ) $ 11,906 Unearned premiums 47,674 3,829 51,503 Unpaid losses and loss adjustment expenses 101,850 5,396 107,246 Year Ended December 31, 2018 Commercial Lines Personal Lines Under-writing Wholesale Agency Corp-orate Elim-inations Total Gross written premiums $ 97,694 $ 6,674 $ 104,368 $ — $ — $ — $ 104,368 Net written premiums $ 87,038 $ 2,048 $ 89,086 $ — $ — $ — $ 89,086 Net earned premiums $ 83,352 $ 10,459 $ 93,811 $ — $ — $ — $ 93,811 Other income 101 225 326 9,251 156 (8,151 ) 1,582 Segment revenue 83,453 10,684 94,137 9,251 156 (8,151 ) 95,393 Loss and loss adjustment expenses, net 53,065 9,450 62,515 — — — 62,515 Policy acquisition costs 23,584 3,846 27,430 6,255 — (8,151 ) 25,534 Operating expenses 14,662 1,088 15,750 1,564 369 — 17,683 Segment expenses 91,311 14,384 105,695 7,819 369 (8,151 ) 105,732 Segment underwriting gain (loss) (7,858 ) (3,700 ) (11,558 ) 1,432 (213 ) $ — (10,339 ) Investment income 3,336 3,336 Net realized investment gains 61 61 Change in fair value of equity securities 121 121 Interest expense (2,644 ) (2,644 ) Income (loss) before income taxes $ (7,858 ) $ (3,700 ) $ (11,558 ) $ 1,432 $ 661 $ — $ (9,465 ) Selected Balance Sheet Data: Deferred policy acquisition costs $ 11,258 $ 753 $ 12,011 Unearned premiums 49,549 3,303 52,852 Unpaid losses and loss adjustment expenses 87,643 5,164 92,807

Quarterly Financial Data (Unaud

Quarterly Financial Data (Unaudited)	12 Months Ended
	Dec. 31, 2020
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Data (Unaudited)	18. Quarterly Financial Data (Unaudited) The following is a summary of quarterly results of operations for 2020 and 2019 (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 2020 Gross written premiums $ 25,084 $ 27,545 $ 29,841 $ 28,865 Net written premiums $ 21,051 $ 23,065 $ 25,043 $ 23,781 Net earned premiums $ 22,017 $ 21,758 $ 22,227 $ 23,101 Net investment income 954 863 776 563 Net realized investment gains 928 245 3,316 3,637 Change in fair value of equity securities (3,086 ) 1,576 (356 ) 2,094 Other income 658 713 642 602 Losses and loss adjustment expenses, net 14,269 11,945 14,553 15,461 Policy acquisition costs 6,303 6,395 6,483 6,924 Operating expenses 5,045 4,859 4,537 4,027 Interest expense 731 731 723 740 Income tax expense (benefit) 13 44 (44 ) (7 ) Other gains 115 145 — — Equity earnings in Affiliate, net of tax 50 179 188 422 Net income (loss) $ (4,725 ) $ 1,505 $ 541 $ 3,274 Net income (loss) per share, basic and diluted (1) $ (0.49 ) $ 0.16 $ 0.06 $ 0.34 Combined ratio 111.6 % 100.5 % 110.7 % 110.6 % 2019 Gross written premiums $ 24,216 $ 25,169 $ 27,077 $ 25,391 Net written premiums $ 20,322 $ 21,434 $ 23,806 $ 22,162 Net earned premiums $ 21,687 $ 21,349 $ 22,775 $ 23,278 Net investment income 910 1,051 1,210 860 Net realized investment gains 19 715 390 72 Change in fair value of equity securities 1,265 (915 ) (1,065 ) 288 Other income 422 581 564 542 Losses and loss adjustment expenses, net 14,456 14,382 14,857 16,049 Policy acquisition costs 5,589 6,210 6,153 6,959 Operating expenses 4,323 4,340 4,297 4,622 Interest expense 710 725 720 727 Income tax expense (benefit) 11 — (802 ) (122 ) Equity earnings (losses) in Affiliate, net of tax 106 (8 ) 121 167 Net income (loss) $ (680 ) $ (2,884 ) $ (1,230 ) $ (3,028 ) Net income (loss) per share, basic and diluted (1) $ (0.08 ) $ (0.34 ) $ (0.13 ) $ (0.32 ) Combined ratio 108.1 % 113.0 % 109.2 % 112.9 % (1 ) Due to changes in the outstanding shares of the Company (Note 10 ~ Shareholders' Equity

Schedule II - Condensed Financi

Schedule II - Condensed Financial Information of Registrant	12 Months Ended
	Dec. 31, 2020
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]
Schedule II - Condensed Financial Information of Registrant	Conifer Holdings, Inc. Condensed Financial Information of Registrant Balance Sheets – Parent Company Only (dollars in thousands) December 31, 2020 2019 Assets Investment in subsidiaries $ 81,336 $ 75,607 Cash 1,477 506 Due from subsidiaries 1,745 893 Due from Affiliate — 214 Other assets 3,648 4,840 Total assets $ 88,206 $ 82,060 Liabilities and Shareholders' Equity Liabilities: Debt $ 40,997 $ 35,824 Other liabilities 2,796 3,511 Total liabilities 43,793 39,335 Shareholders' equity: Common stock, no par value (100,000,000 shares authorized; 9,681,728 and 9,592,861 issued and outstanding, respectively) 92,486 91,816 Accumulated deficit (48,985 ) (49,580 ) Accumulated other comprehensive income (loss) 912 489 Total shareholders' equity 44,413 42,725 Total liabilities and shareholders' equity $ 88,206 $ 82,060 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, 2020 2019 2018 Revenue Management fees from subsidiaries $ 12,527 $ 11,621 $ 13,567 Other income 483 167 73 Total revenue 13,010 11,788 13,640 Expenses Operating expenses 14,459 14,433 17,336 Interest expense 2,925 2,880 2,644 Total expenses 17,384 17,313 19,980 Income (loss) before equity in earnings (losses) of subsidiaries and income tax expense (benefit) (4,374 ) (5,525 ) (6,340 ) Income tax expense (benefit) (813 ) 30 (581 ) Income (loss) before equity earnings (losses) of subsidiaries (3,561 ) (5,555 ) (5,759 ) Equity earnings (losses) in subsidiaries 4,156 (2,267 ) (3,468 ) Net income (loss) 595 (7,822 ) (9,227 ) Other Comprehensive Income Equity in other comprehensive income (loss) of subsidiaries 423 3,101 (1,770 ) Total Comprehensive income (loss) $ 1,018 $ (4,721 ) $ (10,997 ) Schedule II Conifer Holdings, Inc. Condensed Financial Information of Registrant Statement of Cash Flows – Parent Company Only (dollars in thousands) Year Ended December 31, 2020 2019 2018 Cash Flows from Operating Activities Net income (loss) $ 595 $ (7,822 ) $ (9,227 ) Adjustments to reconcile net income (loss) to net cash used in operating activities: Depreciation and amortization 421 447 379 Equity in undistributed (income) loss of subsidiaries (4,156 ) 2,267 3,468 Stock-based compensation expense 706 959 970 Other (gain) loss (260 ) — — Changes in operating assets and liabilities: Due from subsidiaries (852 ) (490 ) 110 Due from Affiliate 214 231 (97 ) Current income tax recoverable 539 21 (488 ) Other assets 625 (3,098 ) (229 ) Other liabilities (715 ) 2,954 (360 ) Net cash provided by (used in) operating activities (2,883 ) (4,531 ) (5,474 ) Cash Flows From Investing Activities Contributions to subsidiaries (1,150 ) (3,854 ) — Dividends received from subsidiaries — 1,500 — Purchases of investments (79 ) — 400 Purchases of property and equipment (66 ) (86 ) Net cash provided by (used in) investing activities (1,229 ) (2,420 ) 314 Cash Flows From Financing Activities Proceeds received from issuance of shares of common stock — 5,000 — Repurchase of common stock (36 ) (676 ) (636 ) Borrowings under debt arrangements 5,745 2,000 25,300 Repayment of borrowings under debt arrangements (625 ) — (19,500 ) Stock and debt issuance costs — — (1,454 ) Net cash provided by financing activities 5,084 6,324 3,710 Net increase (decrease) in cash 972 (627 ) (1,450 ) Cash at beginning of period 506 1,133 2,583 Cash at end of period $ 1,478 $ 506 $ 1,133 Supplemental Disclosure of Cash Flow Information: Interest paid $ 2,586 $ 2,547 $ 3,116 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 personnel, information technology, administrative expenses, and professional fees. The income received from the management and administrative services is used to cover operating costs, meet debt service requirements and cover other holding company obligations. 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 no cash dividends from its subsidiaries in 2020, cash dividends of $1.5 million in 2019 and no cash dividends in 2018. 2. Guarantees The Parent has guaranteed the principal and interest obligations of a $10 million surplus note issued by Conifer Insurance Company to White Pine Insurance Company (both wholly owned subsidiaries). The note pays interest annually at a per annum rate of 4% and has no maturity.

Schedule V - Valuation and Qual

Schedule V - Valuation and Qualifying Accounts	12 Months Ended
	Dec. 31, 2020
Valuation And Qualifying Accounts [Abstract]
Schedule V - Valuation and Qualifying Accounts	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 2020 13,572 (205 ) (75 ) — 13,292 2019 12,606 966 — — 13,572 2018 9,904 2,331 371 — 12,606

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2020
Accounting Policies [Abstract]
Basis of Presentation and Management Representation	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." The accompanying consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America (“GAAP”), which differ from statutory accounting practices prescribed or permitted for insurance companies by regulatory authorities.
Business	Business The Company is engaged in the sale of property and casualty insurance products and has organized its principal operations into three types of insurance businesses: commercial lines, personal lines, and agency business. The Company underwrites a variety of specialty insurance products, including property, general liability, 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, Michigan, and Pennsylvania.
Public Debt Offering	Public Debt Offering In 2018, the Company completed a public debt offering of $25.3 million of senior unsecured notes. Refer to Note 7 ~ Debt
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. In applying these estimates, management makes subjective and complex judgments that frequently require assumptions about matters that are inherently uncertain, including uncertainties associated with the Pandemic. 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, Cash Equivalents, and Short-term Investments	Cash, Cash Equivalents, and Short-term Investments Cash consists of cash deposits in banks, generally in operating accounts. Cash equivalents consist of money-market funds that are specifically used as overnight investments tied to cash deposit accounts. Short-term investments, consisting of money-market funds, are classified as short-term investments in the consolidated balance sheets as they relate to the Company’s investment activities.
Lease Accounting	Lease Effective January 1, 2019, the Company adopted FASB Accounting Standards Update ("ASU") No. 2016-02, Leases (Topic 842), which addresses the financial reporting of leasing transactions. This update required 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 amortized over the lease term with expense recognized on a straight-line basis and all cash flows included in the operating section of the consolidated statement of cash flows. We do not have any financing leases. The Company elected to use the transition option of practical expedients permitted within the new standard, which allows for the adoption of the new standard at the effective date without recasting the comparative prior periods presented. Our operating leases consist primarily of real estate utilized in the operation of our businesses with lease terms ranging from 5 to 10 years. Management has determined the appropriate discount rate to use in calculating the right-to-use asset and lease liability is 6.75%. The Company recorded a right-of-use asset of $3.9 million and lease liabilities of $3.9 million included in Other Assets and Other Liabilities in the Consolidated Balance Sheets on January 1, 2019.
Investment Securities and Other-than-temporary Impairments	Investment Securities Debt 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 debt securities with the expectation that they will be held to maturity, however 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 debt securities is recorded as a component of accumulated other comprehensive income (loss), net of the related deferred tax effect, until realized. The debt securities portfolio includes structured 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 structured 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. Equity securities that do not result in consolidation and are not accounted for under the equity method are measured at fair value and any changes in fair value are recognized in net income in the Consolidated Statements of Operations. Mutual fund and similar investments are measured at their net asset value, which approximates fair value. Any changes in the net asset value are recognized in net income in the Consolidated Statements of Operations. The Company carries other equity investments that do not have a readily determinable fair value at cost, less impairment and adjusted for observable price changes under the measurement alternative provided under GAAP. We review these investments for impairment during each reporting period. These investments are a component of Other Assets in the Consolidated Balance Sheets. 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 cannot assert these conditions, an OTTI loss is recorded through the Consolidated Statements of Operations in the current period. For all other impaired 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 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 are applied as a reduction of principal when received.
Recognition of Premium Revenues	Recognition of Premium Revenues All of the property and casualty policies written by our insurance companies are considered short-duration contracts. These policy premiums are earned on a daily pro-rata basis, net of reinsurance, over the term of the policy, which are primarily 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.
Reinsurance	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 the 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 recoverables 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 policy acquisition costs. In 2017, the Company entered into an adverse development cover reinsurance agreement (the "ADC"). The ADC is a retroactive reinsurance contract. If the cumulative losses and loss adjustment expenses ceded under the ADC exceed the consideration paid, the resulting gain from such excess is deferred and amortized into earnings in future periods using the interest method. In any period in which there is a gain position and a revised estimate of claim and allocated claim adjustment expenses, a portion of the deferred gain is cumulatively recognized in earnings as if the revised estimate was available at the inception date of the ADC. As of December 31, 2019, the deferred gain on the ADC was fully recognized.
Deferred Policy Acquisition Costs	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 (net of ceding commissions), 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	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 represents 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 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, In December 2019, the FASB issued ASU No. 2019-12, Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes As of December 31, 2020 and 2019, 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 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 Operating expenses consist primarily of other underwriting, compensation and benefits, information technology, facility and other administrative expenses.
Recently Issued Accounting Guidance	Recently Issued Accounting Guidance In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments - Credit Losses (Topic 326), In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform: Facilitation of the Effects of Reference Rate Reform on Financial Reporting

Investments (Tables)

Investments (Tables)	12 Months Ended
	Dec. 31, 2020
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, 2020 and 2019 were as follows (dollars in thousands): December 31, 2020 Cost or Gross Unrealized Amortized Cost Gains Losses Estimated Fair Value Debt securities: U.S. Government $ 30,743 $ 225 $ (1 ) $ 30,967 State and local government 32,253 1,040 (28 ) 33,265 Corporate debt 19,015 311 (23 ) 19,303 Asset-backed securities 20,987 49 (73 ) 20,963 Mortgage-backed securities 38,512 345 (3 ) 38,854 Commercial mortgage-backed securities 2,083 65 (22 ) 2,126 Collateralized mortgage obligations 6,361 161 (1 ) 6,521 Total debt securities available for sale $ 149,954 $ 2,196 $ (151 ) $ 151,999 December 31, 2019 Cost or Gross Unrealized Amortized Cost Gains Losses Estimated Fair Value Debt securities: U.S. Government $ 9,392 $ 66 $ (6 ) $ 9,452 State and local government 14,388 545 — 14,933 Corporate debt 39,550 865 (21 ) 40,394 Asset-backed securities 19,549 81 (55 ) 19,575 Mortgage-backed securities 31,389 238 (112 ) 31,515 Commercial mortgage-backed securities 9,972 116 (45 ) 10,043 Collateralized mortgage obligations 5,073 29 (14 ) 5,088 Total debt securities available for sale $ 129,313 $ 1,940 $ (253 ) $ 131,000
Schedule of Unrealized Loss Positions	The following table summarizes the aggregate fair value and gross unrealized losses, by security type, of the available-for-sale securities in unrealized loss positions. The table segregates the holdings based on the length of time that individual securities have been in a continuous unrealized loss position (dollars in thousands): December 31, 2020 Less than 12 months 12 months or More 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 Debt securities: U.S. Government 2 $ 6,764 $ (1 ) - $ - $ - 2 $ 6,764 $ (1 ) State and local government 16 3,905 (28 ) - - - 16 3,905 (28 ) Corporate debt 2 1,051 (23 ) - - - 2 1,051 (23 ) Asset-backed securities 7 6,050 (34 ) 11 6,551 (39 ) 18 12,601 (73 ) Mortgage-backed securities 2 1,652 (3 ) - - - 2 1,652 (3 ) Commercial mortgage -backed securities 1 899 (22 ) - - - 1 899 (22 ) Collateralized mortgage obligations 2 195 (1 ) - - - 2 195 (1 ) Total debt securities available for sale 32 20,516 (112 ) 11 6,551 (39 ) 43 27,067 (151 ) December 31, 2019 Less than 12 months 12 months or More 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 Debt securities: U.S. Government — $ — $ — 4 $ 1,047 $ (6 ) 4 $ 1,047 $ (6 ) State and local government — — — — — — — — — Corporate debt 7 3,720 (17 ) 3 1,697 (4 ) 10 5,417 (21 ) Asset-backed securities 3 2,596 (1 ) 18 11,836 (54 ) 21 14,432 (55 ) Mortgage-backed securities 3 715 (1 ) 13 7,812 (111 ) 16 8,527 (112 ) Commercial mortgage -backed securities 6 6,837 (45 ) — — — 6 6,837 (45 ) Collateralized mortgage obligations 8 2,081 (14 ) — — — 8 2,081 (14 ) Total debt securities available for sale 27 $ 15,949 $ (78 ) 38 $ 22,392 $ (175 ) 65 $ 38,341 $ (253 )
Schedule of Investment Income	The Company’s sources of net investment income are as follows (dollars in thousands): December 31, 2020 2019 2018 Debt securities $ 3,213 $ 3,476 $ 3,419 Equity securities 220 352 129 Cash, cash equivalents, and short-term investments 138 487 85 Total investment income 3,571 4,315 3,633 Investment expenses (415 ) (284 ) (297 ) Net investment income $ 3,156 $ 4,031 $ 3,336
Schedule of Gross Realized Gains and Losses on Securities	The following table summarizes the gross realized gains and losses from sales or maturities of available-for-sale debt securities and equity securities, as follows (dollars in thousands): December 31, 2020 2019 2018 Debt securities: Gross realized gains $ 4,646 $ 269 $ 54 Gross realized losses (8 ) (54 ) (256 ) Total debt securities 4,638 215 (202 ) Equity securities: Gross realized gains 4,854 1,020 337 Gross realized losses (1,366 ) (39 ) (74 ) Total equity securities 3,488 981 263 Total net realized investment gains $ 8,126 $ 1,196 $ 61
Summary of Amortized Cost and Fair Value of Securities	The table below summarizes the amortized cost and fair value of available-for-sale debt securities by contractual maturity at December 31, 2020. Actual maturities may differ from contractual maturities because certain borrowers have the right to call or prepay obligations with or without call or prepayment penalties (dollars in thousands): Amortized Cost Estimated Fair Value Due in one year or less $ 7,786 $ 7,868 Due after one year through five years 40,581 41,238 Due after five years through ten years 15,113 15,508 Due after ten years 18,531 18,921 Securities with contractual maturities 82,011 83,535 Asset-backed securities 20,987 20,963 Mortgage-backed securities 38,512 38,854 Commercial mortgage-backed securities 2,083 2,126 Collateralized mortgage obligations 6,361 6,521 Total debt securities $ 149,954 $ 151,999

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2020
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, 2020 and 2019 (dollars in thousands): December 31, 2020 Fair Value Measurements Using Total Level 1 Level 2 Level 3 Assets: Debt Securities: U.S. Government $ 30,967 $ — $ 30,967 $ — State and local government 33,265 — 33,265 — Corporate debt 19,303 — 19,303 — Asset-backed securities 20,963 — 20,963 — Mortgage-backed securities 38,854 — 38,854 — Commercial mortgage-backed securities 2,126 — 2,126 — Collateralized mortgage obligations 6,521 — 6,521 — Total debt securities 151,999 — 151,999 — Equity Securities 17,336 17,053 283 — Short-term investments 13,317 13,317 — — Total marketable investments measured at fair value $ 182,652 $ 30,370 $ 152,282 $ — Investments measured at NAV: Investment in limited partnership 555 Total assets measured at fair value $ 183,207 Liabilities: Senior Unsecured Notes * $ 20,675 $ — $ 20,675 $ — Subordinated Notes * 11,616 — — 11,616 Line of credit * 5,000 — 5,000 — Paycheck Protection Program loan * 2,745 — 2,745 — Total Liabilities measured at fair value $ 40,036 $ — $ 28,420 $ 11,616 * Carried at face value of debt net of unamortized debt issuance costs on the consolidated balance sheet December 31, 2019 Fair Value Measurements Using Total Level 1 Level 2 Level 3 Assets: Debt Securities: U.S. Government $ 9,452 $ — $ 9,452 $ — State and local government 14,933 — 14,933 — Corporate debt 40,394 — 40,394 — Asset-backed securities 19,575 — 19,575 — Mortgage-backed securities 31,515 — 31,515 — Commercial mortgage-backed securities 10,043 — 10,043 — Collateralized mortgage obligations 5,088 — 5,088 — Total debt securities 131,000 — 131,000 — Equity Securities 6,599 6,335 264 — Short-term investments 31,426 31,426 — — Total marketable investments measured at fair value $ 169,025 $ 37,761 $ 131,264 $ — Investments measured at NAV: Investment in limited partnership 707 Total assets measured at fair value $ 169,732 Liabilities: Senior Unsecured Notes * $ 22,669 $ — $ 22,669 $ — Subordinated Notes * 11,222 — — 11,222 Total Liabilities measured at fair value $ 33,891 $ — $ 22,669 $ 11,222 * Carried at face value of debt net of unamortized debt issuance costs on the consolidated balance sheet

Deferred Policy Acquisition C_2

Deferred Policy Acquisition Costs (Tables)	12 Months Ended
	Dec. 31, 2020
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, 2020 2019 2018 Balance at beginning of period $ 11,906 $ 12,011 $ 12,781 Deferred policy acquisition costs 26,442 24,806 24,764 Amortization of policy acquisition costs (26,105 ) (24,911 ) (25,534 ) Net change 337 (105 ) (770 ) Balance at end of period $ 12,243 $ 11,906 $ 12,011

Unpaid Losses and Loss Adjust_2

Unpaid Losses and Loss Adjustment Expenses (Tables)	12 Months Ended
	Dec. 31, 2020
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 (dollars in thousands): December 31, 2020 2019 2018 Gross reserves - beginning of period $ 107,246 $ 92,807 $ 87,896 Less: reinsurance recoverables on unpaid losses 22,579 29,685 20,066 Plus: deferred gain on ADC — (5,677 ) — Net reserves - beginning of period 84,667 68,799 67,830 Add: incurred losses and loss adjustment expenses, net of reinsurance Current period 40,634 49,192 53,482 Prior period 15,594 10,552 9,033 Total net incurred losses and loss adjustment expenses 56,228 59,744 62,515 Deduct: loss and loss adjustment expense payments, net of reinsurance Current period 13,599 14,357 17,025 Prior period 40,244 29,519 44,521 Total net loss and loss adjustment expense payments 53,843 43,876 61,546 Net reserves - end of period 87,052 84,667 68,799 Plus: reinsurance recoverables on unpaid losses 24,218 22,579 29,685 Less: deferred gain on ADC — — (5,677 ) Gross reserves - end of period $ 111,270 $ 107,246 $ 92,807
Short-duration Insurance Contracts, Claims Development	The following tables represent cumulative incurred loss and allocated loss adjustment expenses ("ALAE"), net of reinsurance, by accident year and cumulative paid loss and ALAE, net of reinsurance, by accident year, for the years ended December 31, 2011 to 2020, as well as total IBNR and the cumulative number of reported claims for the year ended December 31, 2020, 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 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2020 2020 2011 $ 6,753 $ 5,758 $ 5,326 $ 5,049 $ 4,932 $ 4,903 $ 4,935 $ 4,933 $ 4,933 $ 4,977 $ — 591 2012 7,745 6,421 6,288 6,384 6,253 6,190 6,209 6,209 6,245 — 570 2013 10,018 9,435 9,893 10,237 11,252 11,218 11,624 11,804 40 611 2014 19,709 19,907 22,711 26,367 28,145 28,766 29,045 125 1,753 2015 22,442 26,633 31,861 34,478 36,372 37,795 507 2,359 2016 32,396 34,935 40,440 44,355 46,089 802 3,554 2017 44,251 44,495 49,749 51,883 1,489 5,804 2018 42,624 42,432 49,741 3,610 6,092 2019 41,286 42,129 8,644 6,201 2020 33,867 16,225 3,483 Total $ 313,575 $ 31,442 Cumulative paid loss and allocated loss adjustment expenses, net of reinsurance Accident Year 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2011 $ 2,645 $ 3,534 $ 3,964 $ 4,449 $ 4,641 $ 4,744 $ 4,872 $ 4,903 $ 4,907 $ 4,914 2012 2,325 3,703 4,696 5,558 5,994 6,065 6,209 6,209 6,245 2013 3,979 6,211 7,643 8,622 10,147 10,650 11,137 11,620 2014 8,715 13,977 17,458 22,446 25,609 27,544 28,389 2015 10,470 17,817 22,549 30,475 34,497 35,833 2016 10,255 19,135 27,785 37,967 41,945 2017 12,448 23,020 34,205 42,308 2018 10,375 19,799 31,633 2019 10,078 20,462 2020 10,217 Total $ 233,566 Unpaid losses and ALAE, years 2011 through 2020 $ 80,009 Unpaid losses and ALAE, prior to 2011 (1)* 8 Unpaid losses and ALAE, net of reinsurance $ 80,017 * 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, there is exposure to incurred losses prior to the 2011 accident year. Personal Lines Incurred loss and allocated loss adjustment expenses, net of reinsurance Total IBNR Cumulative number of reported claims Accident For the years ended December 31, Year 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2020 2020 2011 $ 1,678 $ 1,758 $ 1,981 $ 2,031 $ 2,030 $ 2,045 $ 2,027 $ 2,024 $ 2,024 $ 2,024 $ — 717 2012 9,960 11,690 11,740 12,159 12,390 12,365 12,357 12,369 12,382 — 3,339 2013 18,034 17,996 18,925 19,138 19,167 19,202 19,222 19,226 — 5,208 2014 17,951 17,471 17,735 17,880 17,929 18,082 18,095 — 3,737 2015 10,877 13,445 14,721 15,285 15,364 15,427 — 2,152 2016 11,619 13,418 14,949 15,550 15,655 — 1,814 2017 14,058 13,550 14,493 14,793 — 2,913 2018 5,893 6,378 6,283 — 802 2019 3,099 2,712 68 340 2020 2,339 484 323 Total $ 108,936 $ 552 Cumulative paid loss and allocated loss adjustment expenses, net of reinsurance Accident For the years ended December 31, Year 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2011 $ 787 $ 1,292 $ 1,633 $ 1,859 $ 1,983 $ 2,021 $ 2,024 $ 2,024 $ 2,024 $ 2,024 2012 5,665 9,251 10,844 11,777 12,202 12,306 12,329 12,349 12,382 2013 9,955 15,883 18,052 18,600 19,014 19,174 19,214 19,222 2014 12,819 16,515 17,260 17,746 17,855 18,047 18,068 2015 7,771 11,873 13,844 15,159 15,250 15,290 2016 7,119 11,238 14,442 15,110 15,351 2017 8,320 12,944 14,004 14,526 2018 4,296 5,618 6,100 2019 2,119 2,604 2020 1,307 Total $ 106,874 Unpaid losses and ALAE, years 2011 through 2020 $ 2,062 Unpaid losses and ALAE, prior to 2011 (1)* — Unpaid losses and ALAE, net of reinsurance $ 2,062 * 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, there is exposure to losses incurred losses prior to the 2011 accident year. Total Lines Incurred loss and allocated loss adjustment expenses, net of reinsurance Total IBNR Cumulative number of reported claims Accident For the years ended December 31, Year 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2020 2020 2011 8,431 7,517 7,307 7,081 6,963 6,949 6,964 6,957 6,957 7,001 — 1,308 2012 17,705 18,111 18,028 18,544 18,642 18,554 18,566 18,578 18,627 — 3,909 2013 28,052 27,431 28,817 29,375 30,419 30,420 30,846 31,030 40 5,819 2014 37,660 37,378 40,446 44,247 46,074 46,848 47,140 125 5,490 2015 33,319 40,078 46,581 49,763 51,736 53,222 507 4,511 2016 44,015 48,353 55,389 59,905 61,744 802 5,368 2017 58,309 58,045 64,242 66,676 1,489 8,717 2018 48,517 48,810 56,024 3,610 6,894 2019 44,385 44,841 8,712 6,541 2020 36,206 16,709 3,806 Total 422,511 31,994 Cumulative paid loss and allocated loss adjustment expenses, net of reinsurance Accident For the years ended December 31, Year 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2011 $ 3,432 $ 4,826 $ 5,597 $ 6,308 $ 6,624 $ 6,766 $ 6,897 $ 6,927 $ 6,931 $ 6,938 2012 7,990 12,954 15,540 17,335 18,195 18,369 18,538 18,558 18,627 2013 13,934 22,094 25,695 27,223 29,162 29,824 30,351 30,842 2014 21,534 30,492 34,718 40,192 43,464 45,591 46,457 2015 18,241 29,690 36,393 45,634 49,747 51,123 2016 17,374 30,373 42,227 53,077 57,296 2017 20,768 35,964 48,209 56,834 2018 14,671 25,417 37,733 2019 12,197 23,066 2020 11,524 Total $ 340,440 Unpaid losses and ALAE, years 2011 through 2020 $ 82,071 Unpaid losses and ALAE, prior to 2011 (1)* 8 Unpaid losses and ALAE, net of reinsurance $ 82,079 * 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.
Short-duration Insurance Contracts, Reconciliation of Loss Development to Liability	The following table reconciles the loss development information to the consolidated balance sheet for the year ended December 31, 2020, by reportable segment (dollars in thousands). December 31, 2020 Net unpaid losses claims and ALAE Commercial Lines $ 80,017 Personal Lines 2,062 Total unpaid losses and LAE, net of reinsurance 82,079 Reinsurance recoverable on losses and LAE Commercial Lines 21,770 Personal Lines 2,448 Total reinsurance recoverable on unpaid losses and LAE 24,218 ULAE expense 4,973 Total gross unpaid losses and LAE $ 111,270
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 38.0% 27.7% 17.5% 9.1% 4.3% 1.9% 1.0% 0.4% —% 0.1% Personal Lines 77.9% 16.8% 3.3% 0.9% 0.8% 0.1% —% 0.2% —% —% Total Lines 39.8% 27.2% 16.9% 8.8% 4.1% 1.9% 0.9% 0.3% —% 0.1%

Reinsurance (Tables)

Reinsurance (Tables)	12 Months Ended
	Dec. 31, 2020
Reinsurance Disclosures [Abstract]
Summary of the Effects of Reinsurance	The following table presents the effects of reinsurance and assumption transactions on written premiums, earned premiums and losses and LAE (dollars in thousands). The 2020, 2019 and 2018 ceded written and earned premium amounts include $195,000, $495,000 and $1.0 million of reinsurance reinstatement costs relating to Hurricane Irma, respectively. Year Ended December 31, 2020 2019 2018 Written premiums: Direct $ 82,430 $ 68,394 $ 73,290 Assumed 28,905 33,459 31,078 Ceded (18,395 ) (14,129 ) (15,282 ) Net written premiums $ 92,940 $ 87,724 $ 89,086 Earned premiums: Direct $ 75,130 $ 70,911 $ 80,691 Assumed 31,484 32,292 28,497 Ceded (17,511 ) (14,114 ) (15,377 ) Net earned premiums $ 89,103 $ 89,089 $ 93,811 Loss and loss adjustment expenses: Direct $ 48,780 $ 66,256 $ 65,284 Assumed 24,429 25,510 20,671 Ceded (16,981 ) (32,022 ) (23,440 ) Net loss and LAE $ 56,228 $ 59,744 $ 62,515

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2020
Debt Disclosure [Abstract]
Schedule of Outstanding Senior Debt	A summary of the Company's outstanding debt is as follows (dollars in thousands): December 31, 2020 2019 Senior unsecured notes $ 23,665 $ 24,288 Subordinated notes 9,587 9,536 Line of credit 5,000 2,000 Paycheck Protection Program loan 2,745 — Total $ 40,997 $ 35,824 * The PPP loan was embedded into the line of credit facility. See below.

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2020
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, 2020 2019 2018 Current tax expense (benefit) $ 6 $ 27 $ 52 Deferred tax expense (benefit) — (940 ) — Total income tax expense (benefit) $ 6 $ (913 ) $ 52
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 21% in 2020, 2019 and 2018 to pretax income as a result of the following (dollars in thousands): Year Ended December 31, 2020 2019 2018 Income (loss) before income taxes $ (238 ) $ (9,121 ) $ (9,465 ) Statutory U.S. federal income tax rate (50 ) (1,915 ) (1,988 ) State income taxes, net of federal benefit 44 (230 ) (156 ) Tax‑exempt investment income and dividend received deduction (50 ) (79 ) (70 ) Nondeductible meals and entertainment 23 38 38 Valuation allowance on deferred tax assets (205 ) 966 2,331 Other 244 307 (103 ) Income tax expense (benefit) $ 6 $ (913 ) $ 52 Effective tax rate (2.6 )% 10.0 % (0.5 )%
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, 2020 2019 Deferred tax assets: Discounted unpaid losses and loss adjustment expenses $ 1,359 $ 1,264 Unearned premiums 2,436 2,266 Net operating loss carryforwards 12,443 12,593 State net operating loss carryforwards 837 873 Other 132 248 Gross deferred tax assets 17,207 17,244 Less valuation allowance (13,292 ) (13,572 ) Total deferred tax assets, net of allowance 3,915 3,672 Deferred tax liabilities: Investment basis difference 30 28 Net unrealized gains on investments 636 512 Deferred policy acquisition costs 2,571 2,500 Intangible assets 115 115 Property and equipment 52 57 Other 511 460 Total deferred tax liabilities 3,915 3,672 Net deferred tax liability $ — $ —

Statutory Financial Data, Ris_2

Statutory Financial Data, Risk-Based Capital and Dividend Restrictions (Tables)	12 Months Ended
	Dec. 31, 2020
Insurance [Abstract]
Summary of Statutory Basis Information	Summarized 2020, 2019, and 2018 statutory basis information for the non-captive Insurance Company Subsidiaries, which differs from generally accepted accounting principles, is as follows (dollars in thousands). CIC WPIC 2020 Statutory capital and surplus $ 49,271 $ 24,723 RBC authorized control level 14,221 4,547 Statutory net income (loss) 2,059 1,024 RBC % 346 % 544 % CIC WPIC 2019 Statutory capital and surplus $ 46,206 $ 23,261 RBC authorized control level 12,868 4,266 Statutory net income (loss) (3,627 ) (3,652 ) RBC % 359 % 545 % CIC WPIC 2018 Statutory capital and surplus $ 47,121 $ 26,588 RBC authorized control level 11,901 4,682 Statutory net income (loss) 1,244 834 RBC % 396 % 568 %

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2020
Equity [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	The following table presents changes in accumulated other comprehensive income (loss) for unrealized gains and losses on available-for-sale securities (dollars in thousands): Year Ended December 31, 2020 2019 Balance at beginning of period $ 489 $ (2,612 ) Other comprehensive income (loss) before reclassifications 1,589 2,901 Less: amounts reclassified from accumulated other comprehensive income (loss) 1,166 (200 ) Net current period other comprehensive income (loss) 423 3,101 Balance at end of period $ 912 $ 489

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2020
Earnings Per Share [Abstract]
Schedule of Earnings Per Share	The following table presents the calculation of basic and diluted earnings (loss) per common share, as follows (dollars in thousands, except share and per share amounts): Year Ended December 31, 2020 2019 2018 Net income (loss) $ 595 $ (7,822 ) $ (9,227 ) Weighted average common shares, basic and diluted* 9,625,059 8,880,107 8,543,876 Earnings (loss) per share, basic and diluted $ 0.06 $ (0.88 ) $ (1.08 ) * The non-vested shares of the restricted stock units and stock options were anti-dilutive as of December 31, 2020, 2019, and 2018. Therefore, the non-vested shares are excluded from earnings (loss) per share in December 31, 2020, 2019, and 2018.

Segment Information (Tables)

Segment Information (Tables)	12 Months Ended
	Dec. 31, 2020
Segment Reporting [Abstract]
Schedule of Information by Reportable Segment	The following table summarizes our net earned premiums: Net Earned Premium 2020 2019 2018 Commercial 92 % 94 % 89 % Personal 8 % 6 % 11 % Total 100 % 100 % 100 % The following tables present information by reportable segment (dollars in thousands): Year Ended December 31, 2020 Commercial Lines Personal Lines Under-writing Wholesale Agency Corp-orate Elim-inations Total Gross written premiums $ 102,763 $ 8,572 $ 111,335 $ — $ — $ — $ 111,335 Net written premiums $ 85,385 $ 7,555 $ 92,940 $ — $ — $ — $ 92,940 Net earned premiums $ 82,409 $ 6,694 $ 89,103 $ — $ — $ — $ 89,103 Other income 242 150 392 7,571 245 (5,593 ) 2,615 Segment revenue 82,651 6,844 89,495 7,571 245 (5,593 ) 91,718 Loss and loss adjustment expenses, net 53,263 2,965 56,228 — — — 56,228 Policy acquisition costs 25,051 2,044 27,095 4,938 — (5,928 ) 26,105 Operating expenses 12,644 1,069 13,713 3,107 1,648 — 18,468 Segment expenses 90,958 6,078 97,036 8,045 1,648 (5,928 ) 100,801 Segment underwriting gain (loss) (8,307 ) 766 (7,541 ) (474 ) (1,403 ) 335 (9,083 ) Investment income 3,156 3,156 Net realized investment gains 8,126 8,126 Change in fair value of equity securities 228 228 Other gains 260 260 Interest expense (2,925 ) (2,925 ) Income (loss) before income taxes $ (8,307 ) $ 766 $ (7,541 ) $ (474 ) $ 7,442 $ 335 $ (238 ) Selected Balance Sheet Data: Deferred policy acquisition costs $ 11,858 $ 1,183 $ (798 ) $ 12,243 Unearned premiums 51,535 4,689 56,224 Unpaid losses and loss adjustment expenses 106,662 4,608 111,270 Year Ended December 31, 2019 Commercial Lines Personal Lines Under-writing Wholesale Agency Corp-orate Elim-inations Total Gross written premiums $ 94,391 $ 7,462 $ 101,853 $ — $ — $ — $ 101,853 Net written premiums $ 81,966 $ 5,758 $ 87,724 $ — $ — $ — $ 87,724 Net earned premiums $ 83,858 $ 5,231 $ 89,089 $ — $ — $ — $ 89,089 Other income 216 143 359 9,073 224 (7,547 ) 2,109 Segment revenue 84,074 5,374 89,448 9,073 224 (7,547 ) 91,198 Loss and loss adjustment expenses, net 53,256 6,488 59,744 — — — 59,744 Policy acquisition costs 23,511 1,744 25,255 6,063 — (6,407 ) 24,911 Operating expenses 12,881 1,233 14,114 2,180 1,288 — 17,582 Segment expenses 89,648 9,465 99,113 8,243 1,288 (6,407 ) 102,237 Segment underwriting gain (loss) (5,574 ) (4,091 ) (9,665 ) 830 (1,064 ) $ (1,140 ) (11,039 ) Investment income 4,031 4,031 Net realized investment gains 1,196 1,196 Change in fair value of equity securities (427 ) (427 ) Interest expense (2,882 ) (2,882 ) Income (loss) before income taxes $ (5,574 ) $ (4,091 ) $ (9,665 ) $ 830 $ 854 $ (1,140 ) $ (9,121 ) Selected Balance Sheet Data: Deferred policy acquisition costs $ 12,033 $ 1,007 $ (1,134 ) $ 11,906 Unearned premiums 47,674 3,829 51,503 Unpaid losses and loss adjustment expenses 101,850 5,396 107,246 Year Ended December 31, 2018 Commercial Lines Personal Lines Under-writing Wholesale Agency Corp-orate Elim-inations Total Gross written premiums $ 97,694 $ 6,674 $ 104,368 $ — $ — $ — $ 104,368 Net written premiums $ 87,038 $ 2,048 $ 89,086 $ — $ — $ — $ 89,086 Net earned premiums $ 83,352 $ 10,459 $ 93,811 $ — $ — $ — $ 93,811 Other income 101 225 326 9,251 156 (8,151 ) 1,582 Segment revenue 83,453 10,684 94,137 9,251 156 (8,151 ) 95,393 Loss and loss adjustment expenses, net 53,065 9,450 62,515 — — — 62,515 Policy acquisition costs 23,584 3,846 27,430 6,255 — (8,151 ) 25,534 Operating expenses 14,662 1,088 15,750 1,564 369 — 17,683 Segment expenses 91,311 14,384 105,695 7,819 369 (8,151 ) 105,732 Segment underwriting gain (loss) (7,858 ) (3,700 ) (11,558 ) 1,432 (213 ) $ — (10,339 ) Investment income 3,336 3,336 Net realized investment gains 61 61 Change in fair value of equity securities 121 121 Interest expense (2,644 ) (2,644 ) Income (loss) before income taxes $ (7,858 ) $ (3,700 ) $ (11,558 ) $ 1,432 $ 661 $ — $ (9,465 ) Selected Balance Sheet Data: Deferred policy acquisition costs $ 11,258 $ 753 $ 12,011 Unearned premiums 49,549 3,303 52,852 Unpaid losses and loss adjustment expenses 87,643 5,164 92,807

Quarterly Financial Data (Una_2

Quarterly Financial Data (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2020
Quarterly Financial Information Disclosure [Abstract]
Summary of Quarterly Financial Results	The following is a summary of quarterly results of operations for 2020 and 2019 (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 2020 Gross written premiums $ 25,084 $ 27,545 $ 29,841 $ 28,865 Net written premiums $ 21,051 $ 23,065 $ 25,043 $ 23,781 Net earned premiums $ 22,017 $ 21,758 $ 22,227 $ 23,101 Net investment income 954 863 776 563 Net realized investment gains 928 245 3,316 3,637 Change in fair value of equity securities (3,086 ) 1,576 (356 ) 2,094 Other income 658 713 642 602 Losses and loss adjustment expenses, net 14,269 11,945 14,553 15,461 Policy acquisition costs 6,303 6,395 6,483 6,924 Operating expenses 5,045 4,859 4,537 4,027 Interest expense 731 731 723 740 Income tax expense (benefit) 13 44 (44 ) (7 ) Other gains 115 145 — — Equity earnings in Affiliate, net of tax 50 179 188 422 Net income (loss) $ (4,725 ) $ 1,505 $ 541 $ 3,274 Net income (loss) per share, basic and diluted (1) $ (0.49 ) $ 0.16 $ 0.06 $ 0.34 Combined ratio 111.6 % 100.5 % 110.7 % 110.6 % 2019 Gross written premiums $ 24,216 $ 25,169 $ 27,077 $ 25,391 Net written premiums $ 20,322 $ 21,434 $ 23,806 $ 22,162 Net earned premiums $ 21,687 $ 21,349 $ 22,775 $ 23,278 Net investment income 910 1,051 1,210 860 Net realized investment gains 19 715 390 72 Change in fair value of equity securities 1,265 (915 ) (1,065 ) 288 Other income 422 581 564 542 Losses and loss adjustment expenses, net 14,456 14,382 14,857 16,049 Policy acquisition costs 5,589 6,210 6,153 6,959 Operating expenses 4,323 4,340 4,297 4,622 Interest expense 710 725 720 727 Income tax expense (benefit) 11 — (802 ) (122 ) Equity earnings (losses) in Affiliate, net of tax 106 (8 ) 121 167 Net income (loss) $ (680 ) $ (2,884 ) $ (1,230 ) $ (3,028 ) Net income (loss) per share, basic and diluted (1) $ (0.08 ) $ (0.34 ) $ (0.13 ) $ (0.32 ) Combined ratio 108.1 % 113.0 % 109.2 % 112.9 % (1 ) Due to changes in the outstanding shares of the Company (Note 10 ~ Shareholders' Equity

Summary of Significant Accoun_3

Summary of Significant Accounting Policies - Narrative (Details)	12 Months Ended
	Dec. 31, 2020USD ($)class_businessstate	Dec. 31, 2019USD ($)	Jan. 01, 2019USD ($)	Dec. 31, 2018USD ($)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Number of types of business | class_business	3
Number of states in which entity operates | state	50
Discount rate	6.75%
Unrecognized tax benefits	$ 0	$ 0
Income tax penalties and interest accrued	$ 0	$ 0
Accounting Standards Update 2016-02
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Right-of-use asset			$ 3,900,000
Lease liability			$ 3,900,000
Minimum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Lease term	5 years
Maximum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Lease term	10 years
Senior Unsecured Notes | Senior Unsecured Notes
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Face amount of debt	$ 24,400,000			$ 25,300,000

Investments - Available-for-sal

Investments - Available-for-sale Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Debt Securities, Available-for-sale [Line Items]
Debt securities, Cost or Amortized Cost	$ 149,954	$ 129,313
Debt securities, Gross Unrealized Gain	2,196	1,940
Debt securities, Gross Unrealized Losses	(151)	(253)
Debt securities, Estimated Fair Value	151,999	131,000
U.S. Government
Debt Securities, Available-for-sale [Line Items]
Debt securities, Cost or Amortized Cost	30,743	9,392
Debt securities, Gross Unrealized Gain	225	66
Debt securities, Gross Unrealized Losses	(1)	(6)
Debt securities, Estimated Fair Value	30,967	9,452
State and local government
Debt Securities, Available-for-sale [Line Items]
Debt securities, Cost or Amortized Cost	32,253	14,388
Debt securities, Gross Unrealized Gain	1,040	545
Debt securities, Gross Unrealized Losses	(28)
Debt securities, Estimated Fair Value	33,265	14,933
Corporate debt
Debt Securities, Available-for-sale [Line Items]
Debt securities, Cost or Amortized Cost	19,015	39,550
Debt securities, Gross Unrealized Gain	311	865
Debt securities, Gross Unrealized Losses	(23)	(21)
Debt securities, Estimated Fair Value	19,303	40,394
Asset-backed securities
Debt Securities, Available-for-sale [Line Items]
Debt securities, Cost or Amortized Cost	20,987	19,549
Debt securities, Gross Unrealized Gain	49	81
Debt securities, Gross Unrealized Losses	(73)	(55)
Debt securities, Estimated Fair Value	20,963	19,575
Mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Debt securities, Cost or Amortized Cost	38,512	31,389
Debt securities, Gross Unrealized Gain	345	238
Debt securities, Gross Unrealized Losses	(3)	(112)
Debt securities, Estimated Fair Value	38,854	31,515
Commercial mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Debt securities, Cost or Amortized Cost	2,083	9,972
Debt securities, Gross Unrealized Gain	65	116
Debt securities, Gross Unrealized Losses	(22)	(45)
Debt securities, Estimated Fair Value	2,126	10,043
Collateralized mortgage obligations
Debt Securities, Available-for-sale [Line Items]
Debt securities, Cost or Amortized Cost	6,361	5,073
Debt securities, Gross Unrealized Gain	161	29
Debt securities, Gross Unrealized Losses	(1)	(14)
Debt securities, Estimated Fair Value	$ 6,521	$ 5,088

Investments - Available-for-s_2

Investments - Available-for-sale Securities in Unrealized Loss Positions (Details) $ in Thousands	Dec. 31, 2020USD ($)security	Dec. 31, 2019USD ($)security
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Number of Positions [Abstract]
Debt securities, less than 12 months, number of issues | security	32	27
Debt securities, 12 months or More, number of issues | security	11	38
Debt securities, number of issues | security	43	65
Debt Securities, Available-for-sale, Unrealized Loss Position [Abstract]
Debt securities, less than 12 months, fair value	$ 20,516	$ 15,949
Debt securities, 12 months or More, fair value	6,551	22,392
Debt securities, fair value	27,067	38,341
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss [Abstract]
Debt securities, less than 12 months, unrealized losses	(112)	(78)
Debt securities, 12 months or More, unrealized losses	(39)	(175)
Debt securities, total unrealized losses	$ (151)	$ (253)
U.S. Government
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Number of Positions [Abstract]
Debt securities, less than 12 months, number of issues | security	2	0
Debt securities, 12 months or More, number of issues | security	0	4
Debt securities, number of issues | security	2	4
Debt Securities, Available-for-sale, Unrealized Loss Position [Abstract]
Debt securities, less than 12 months, fair value	$ 6,764	$ 0
Debt securities, 12 months or More, fair value	0	1,047
Debt securities, fair value	6,764	1,047
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss [Abstract]
Debt securities, less than 12 months, unrealized losses	(1)	0
Debt securities, 12 months or More, unrealized losses	0	(6)
Debt securities, total unrealized losses	$ (1)	$ (6)
State and local government
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Number of Positions [Abstract]
Debt securities, less than 12 months, number of issues | security	16	0
Debt securities, 12 months or More, number of issues | security	0	0
Debt securities, number of issues | security	16	0
Debt Securities, Available-for-sale, Unrealized Loss Position [Abstract]
Debt securities, less than 12 months, fair value	$ 3,905	$ 0
Debt securities, 12 months or More, fair value	0	0
Debt securities, fair value	3,905	0
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss [Abstract]
Debt securities, less than 12 months, unrealized losses	(28)	0
Debt securities, 12 months or More, unrealized losses	0	0
Debt securities, total unrealized losses	$ (28)	$ 0
Corporate debt
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Number of Positions [Abstract]
Debt securities, less than 12 months, number of issues | security	2	7
Debt securities, 12 months or More, number of issues | security	0	3
Debt securities, number of issues | security	2	10
Debt Securities, Available-for-sale, Unrealized Loss Position [Abstract]
Debt securities, less than 12 months, fair value	$ 1,051	$ 3,720
Debt securities, 12 months or More, fair value	0	1,697
Debt securities, fair value	1,051	5,417
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss [Abstract]
Debt securities, less than 12 months, unrealized losses	(23)	(17)
Debt securities, 12 months or More, unrealized losses	0	(4)
Debt securities, total unrealized losses	$ (23)	$ (21)
Asset-backed securities
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Number of Positions [Abstract]
Debt securities, less than 12 months, number of issues | security	7	3
Debt securities, 12 months or More, number of issues | security	11	18
Debt securities, number of issues | security	18	21
Debt Securities, Available-for-sale, Unrealized Loss Position [Abstract]
Debt securities, less than 12 months, fair value	$ 6,050	$ 2,596
Debt securities, 12 months or More, fair value	6,551	11,836
Debt securities, fair value	12,601	14,432
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss [Abstract]
Debt securities, less than 12 months, unrealized losses	(34)	(1)
Debt securities, 12 months or More, unrealized losses	(39)	(54)
Debt securities, total unrealized losses	$ (73)	$ (55)
Mortgage-backed securities
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Number of Positions [Abstract]
Debt securities, less than 12 months, number of issues | security	2	3
Debt securities, 12 months or More, number of issues | security	0	13
Debt securities, number of issues | security	2	16
Debt Securities, Available-for-sale, Unrealized Loss Position [Abstract]
Debt securities, less than 12 months, fair value	$ 1,652	$ 715
Debt securities, 12 months or More, fair value	0	7,812
Debt securities, fair value	1,652	8,527
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss [Abstract]
Debt securities, less than 12 months, unrealized losses	(3)	(1)
Debt securities, 12 months or More, unrealized losses	0	(111)
Debt securities, total unrealized losses	$ (3)	$ (112)
Commercial mortgage-backed securities
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Number of Positions [Abstract]
Debt securities, less than 12 months, number of issues | security	1	6
Debt securities, 12 months or More, number of issues | security	0	0
Debt securities, number of issues | security	1	6
Debt Securities, Available-for-sale, Unrealized Loss Position [Abstract]
Debt securities, less than 12 months, fair value	$ 899	$ 6,837
Debt securities, 12 months or More, fair value	0	0
Debt securities, fair value	899	6,837
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss [Abstract]
Debt securities, less than 12 months, unrealized losses	(22)	(45)
Debt securities, 12 months or More, unrealized losses	0	0
Debt securities, total unrealized losses	$ (22)	$ (45)
Collateralized mortgage obligations
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Number of Positions [Abstract]
Debt securities, less than 12 months, number of issues | security	2	8
Debt securities, 12 months or More, number of issues | security	0	0
Debt securities, number of issues | security	2	8
Debt Securities, Available-for-sale, Unrealized Loss Position [Abstract]
Debt securities, less than 12 months, fair value	$ 195	$ 2,081
Debt securities, 12 months or More, fair value	0	0
Debt securities, fair value	195	2,081
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss [Abstract]
Debt securities, less than 12 months, unrealized losses	(1)	(14)
Debt securities, 12 months or More, unrealized losses	0	0
Debt securities, total unrealized losses	$ (1)	$ (14)

Investments - Net Investment In

Investments - Net Investment Income (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Net Investment Income [Line Items]
Investment income									$ 3,571	$ 4,315	$ 3,633
Investment expenses									(415)	(284)	(297)
Net investment income	$ 563	$ 776	$ 863	$ 954	$ 860	$ 1,210	$ 1,051	$ 910	3,156	4,031	3,336
Debt securities
Net Investment Income [Line Items]
Investment income									3,213	3,476	3,419
Equity securities
Net Investment Income [Line Items]
Investment income									220	352	129
Cash, cash equivalents and short-term investments
Net Investment Income [Line Items]
Investment income									$ 138	$ 487	$ 85

Investments - Gross Realized Ga

Investments - Gross Realized Gains and Losses (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Debt securities:
Gross realized gains									$ 4,646	$ 269	$ 54
Gross realized losses									(8)	(54)	(256)
Total debt securities									4,638	215	(202)
Equity securities:
Gross realized gains									4,854	1,020	337
Gross realized losses									(1,366)	(39)	(74)
Total equity securities									3,488	981	263
Total net realized investment gains	$ 3,637	$ 3,316	$ 245	$ 928	$ 72	$ 390	$ 715	$ 19	$ 8,126	$ 1,196	$ 61

Investments - Narrative (Detail

Investments - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Investments Debt And Equity Securities [Abstract]
Proceeds from sale of available-for-sale debt securities	$ 101,200,000	$ 33,700,000	$ 14,600,000
Gross realized gains	4,600,000	274,000	7,000
Gross realized losses	0	53,000	$ 199,000
Amount payable for securities purchased	1,700,000	2,100,000
Amount receivable for securities sold	809,000	6,000
Other than temporary impairments losses, investments	0
Investments	1,200,000
Deposits held in trust accounts	8,800,000	8,000,000
Deposits, held in trust for collateral requirements	$ 67,600,000	$ 58,400,000

Investments - Available-for-s_3

Investments - Available-for-sale Fixed Maturity Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Amortized Cost
Due in one year or less	$ 7,786
Due after one year through five years	40,581
Due after five years through ten years	15,113
Due after ten years	18,531
Securities with contractual maturities	82,011
Total debt securities	149,954	$ 129,313
Estimated Fair Value
Due in one year or less	7,868
Due after one year through five years	41,238
Due after five years through ten years	15,508
Due after ten years	18,921
Securities with contractual maturities	83,535
Total debt securities	151,999	131,000
Asset-backed securities
Amortized Cost
Total debt securities	20,987	19,549
Estimated Fair Value
Total debt securities	20,963	19,575
Mortgage-backed securities
Amortized Cost
Total debt securities	38,512	31,389
Estimated Fair Value
Total debt securities	38,854	31,515
Commercial mortgage-backed securities
Amortized Cost
Total debt securities	2,083	9,972
Estimated Fair Value
Total debt securities	2,126	10,043
Collateralized mortgage obligations
Amortized Cost
Total debt securities	6,361	5,073
Estimated Fair Value
Total debt securities	$ 6,521	$ 5,088

Fair Value Measurements - Finan

Fair Value Measurements - Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Apr. 24, 2020	Dec. 31, 2019
Assets:
Debt securities, Estimated Fair Value	$ 151,999		$ 131,000
Equity Securities	17,336		6,599
Short-term investments	13,317		31,426
Total marketable investments measured at fair value	182,652		169,025
Total assets measured at fair value	183,207		169,732
Liabilities:
Debt	40,997		35,824
Total Liabilities measured at fair value	40,036		33,891
Paycheck Protection Program
Liabilities:
Debt	2,745	$ 2,700	0
Line of credit
Liabilities:
Debt	5,000		2,000
U.S. Government
Assets:
Debt securities, Estimated Fair Value	30,967		9,452
State and local government
Assets:
Debt securities, Estimated Fair Value	33,265		14,933
Corporate debt
Assets:
Debt securities, Estimated Fair Value	19,303		40,394
Asset-backed securities
Assets:
Debt securities, Estimated Fair Value	20,963		19,575
Mortgage-backed securities
Assets:
Debt securities, Estimated Fair Value	38,854		31,515
Commercial mortgage-backed securities
Assets:
Debt securities, Estimated Fair Value	2,126		10,043
Collateralized mortgage obligations
Assets:
Debt securities, Estimated Fair Value	6,521		5,088
Senior Unsecured Notes
Liabilities:
Debt	20,675		22,669
Subordinated notes
Liabilities:
Debt	11,616		11,222
Partnership interest
Assets:
Investments measured at NAV	555		707
Level 1
Assets:
Debt securities, Estimated Fair Value	0		0
Equity Securities	17,053		6,335
Short-term investments	13,317		31,426
Total marketable investments measured at fair value	30,370		37,761
Liabilities:
Total Liabilities measured at fair value	0		0
Level 1 | Line of credit
Liabilities:
Debt	0
Level 1 | U.S. Government
Assets:
Debt securities, Estimated Fair Value	0		0
Level 1 | State and local government
Assets:
Debt securities, Estimated Fair Value	0		0
Level 1 | Corporate debt
Assets:
Debt securities, Estimated Fair Value	0		0
Level 1 | Asset-backed securities
Assets:
Debt securities, Estimated Fair Value	0		0
Level 1 | Mortgage-backed securities
Assets:
Debt securities, Estimated Fair Value	0		0
Level 1 | Commercial mortgage-backed securities
Assets:
Debt securities, Estimated Fair Value	0		0
Level 1 | Collateralized mortgage obligations
Assets:
Debt securities, Estimated Fair Value	0		0
Level 1 | Senior Unsecured Notes
Liabilities:
Debt	0		0
Level 1 | Subordinated notes
Liabilities:
Debt	0		0
Level 2
Assets:
Debt securities, Estimated Fair Value	151,999		131,000
Equity Securities	283		264
Short-term investments	0
Total marketable investments measured at fair value	152,282		131,264
Liabilities:
Total Liabilities measured at fair value	28,420		22,669
Level 2 | Paycheck Protection Program
Liabilities:
Debt	2,745
Level 2 | Line of credit
Liabilities:
Debt	5,000
Level 2 | U.S. Government
Assets:
Debt securities, Estimated Fair Value	30,967		9,452
Level 2 | State and local government
Assets:
Debt securities, Estimated Fair Value	33,265		14,933
Level 2 | Corporate debt
Assets:
Debt securities, Estimated Fair Value	19,303		40,394
Level 2 | Asset-backed securities
Assets:
Debt securities, Estimated Fair Value	20,963		19,575
Level 2 | Mortgage-backed securities
Assets:
Debt securities, Estimated Fair Value	38,854		31,515
Level 2 | Commercial mortgage-backed securities
Assets:
Debt securities, Estimated Fair Value	2,126		10,043
Level 2 | Collateralized mortgage obligations
Assets:
Debt securities, Estimated Fair Value	6,521		5,088
Level 2 | Senior Unsecured Notes
Liabilities:
Debt	20,675		22,669
Level 2 | Subordinated notes
Liabilities:
Debt	0		0
Level 3
Assets:
Debt securities, Estimated Fair Value	0		0
Equity Securities	0		0
Short-term investments	0		0
Total marketable investments measured at fair value	0		0
Liabilities:
Total Liabilities measured at fair value	11,616		11,222
Level 3 | Line of credit
Liabilities:
Debt	0
Level 3 | U.S. Government
Assets:
Debt securities, Estimated Fair Value	0		0
Level 3 | State and local government
Assets:
Debt securities, Estimated Fair Value	0		0
Level 3 | Corporate debt
Assets:
Debt securities, Estimated Fair Value	0		0
Level 3 | Asset-backed securities
Assets:
Debt securities, Estimated Fair Value	0		0
Level 3 | Mortgage-backed securities
Assets:
Debt securities, Estimated Fair Value	0		0
Level 3 | Commercial mortgage-backed securities
Assets:
Debt securities, Estimated Fair Value	0		0
Level 3 | Collateralized mortgage obligations
Assets:
Debt securities, Estimated Fair Value	0		0
Level 3 | Senior Unsecured Notes
Liabilities:
Debt	0		0
Level 3 | Subordinated notes
Liabilities:
Debt	$ 11,616		$ 11,222

Fair Value Measurements - Narra

Fair Value Measurements - Narrative (Details)	Dec. 31, 2020
Level 1
Fair Value, Concentration of Risk, Financial Statement Captions [Line Items]
Investment portfolio percentage	16.60%
Level 2
Fair Value, Concentration of Risk, Financial Statement Captions [Line Items]
Investment portfolio percentage	83.10%

Deferred Policy Acquisition C_3

Deferred Policy Acquisition Costs - Activity in Deferred Policy Acquisition Costs (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]
Balance at beginning of period				$ 11,906				$ 12,011	$ 11,906	$ 12,011	$ 12,781
Deferred policy acquisition costs									26,442	24,806	24,764
Amortization of policy acquisition costs	$ (6,924)	$ (6,483)	$ (6,395)	$ (6,303)	$ (6,959)	$ (6,153)	$ (6,210)	$ (5,589)	(26,105)	(24,911)	(25,534)
Net change									337	(105)	(770)
Balance at end of period	$ 12,243				$ 11,906				$ 12,243	$ 11,906	$ 12,011

Unpaid Losses and Loss Adjust_3

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, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Liability for Unpaid Claims and Claims Adjustment Expense [Roll Forward]
Gross reserves - beginning of period				$ 107,246				$ 92,807	$ 107,246	$ 92,807	$ 87,896
Less: reinsurance recoverables on unpaid losses				22,579				29,685	22,579	29,685	20,066
Plus: deferred gain on ADC					$ (5,677)					(5,677)	(5,677)
Net reserves - beginning of period				84,667				68,799	84,667	68,799	67,830
Add: incurred losses and loss adjustment expenses, net of reinsurance
Current period									40,634	49,192	53,482
Prior period									15,594	10,552	9,033
Total net incurred losses and loss adjustment expenses	$ 15,461	$ 14,553	$ 11,945	$ 14,269	16,049	$ 14,857	$ 14,382	$ 14,456	56,228	59,744	62,515
Deduct: loss and loss adjustment expense payments, net of reinsurance
Current period									13,599	14,357	17,025
Prior period									40,244	29,519	44,521
Total net loss and loss adjustment expense payments									53,843	43,876	61,546
Net reserves - end of period	87,052				84,667				87,052	84,667	68,799
Plus: reinsurance recoverables on unpaid losses	24,218				22,579				24,218	22,579	29,685
Gross reserves - end of period	$ 111,270				$ 107,246				$ 111,270	$ 107,246	$ 92,807

Unpaid Losses and Loss Adjust_4

Unpaid Losses and Loss Adjustment Expenses - Narrative (Details) - USD ($)	Sep. 28, 2017	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Jun. 30, 2017
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior year adjustments										$ 15,594,000	$ 10,552,000	$ 9,033,000
Losses and loss adjustment expenses, net		$ 15,461,000	$ 14,553,000	$ 11,945,000	$ 14,269,000	$ 16,049,000	$ 14,857,000	$ 14,382,000	$ 14,456,000	56,228,000	59,744,000	62,515,000
Unpaid losses and loss adjustment expenses		$ 111,270,000				107,246,000				111,270,000	107,246,000	92,807,000	$ 87,896,000
Amount ceded										17,511,000	14,114,000	15,377,000
Ceded losses recognized as a benefit										$ 16,981,000	32,022,000	23,440,000
Deferred ceded losses						$ 5,677,000					5,677,000	5,677,000
Adverse Development Cover Reinsurance Agreement
Liability for Claims and Claims Adjustment Expense [Line Items]
Amount reinsured	$ 17,500,000
Reinsurance retention policy, co-participation (percentage)	10.00%
Amount ceded												10,300,000	$ 7,200,000
Ceded losses recognized as a benefit												4,600,000
Deferred ceded losses												5,700,000
Catastrophe Reinsurance Treaty
Liability for Claims and Claims Adjustment Expense [Line Items]
Amount reinsured												4,000,000
Amount ceded												10,000,000
Ceded premiums												1,000,000
Maximum
Liability for Claims and Claims Adjustment Expense [Line Items]
Reinsurance retention policy, co-participation (percentage)										60.00%
Maximum | Adverse Development Cover Reinsurance Agreement
Liability for Claims and Claims Adjustment Expense [Line Items]
Reinsurance retention policy carried reserves threshold	$ 19,500,000
Unpaid losses and loss adjustment expenses														$ 57,500,000
Minimum
Liability for Claims and Claims Adjustment Expense [Line Items]
Reinsurance retention policy, co-participation (percentage)										40.00%
Minimum | Adverse Development Cover Reinsurance Agreement
Liability for Claims and Claims Adjustment Expense [Line Items]
Reinsurance retention policy carried reserves threshold	$ 1,400,000
Unpaid losses and loss adjustment expenses														$ 36,600,000
Hurricane
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior year adjustments												960,000
Losses and loss adjustment expenses, net												583,000
Amount ceded										$ 195,000	495,000	1,000,000
Commercial Line
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior year adjustments										15,200,000	7,600,000	6,200,000
Losses and loss adjustment expenses, net											(5,700,000)
Commercial Line | Hurricane
Liability for Claims and Claims Adjustment Expense [Line Items]
Losses and loss adjustment expenses, net												(377,000)
Personal Line
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior year adjustments										352,000,000,000	3,000,000	2,800,000
Personal Line | Hurricane
Liability for Claims and Claims Adjustment Expense [Line Items]
Losses and loss adjustment expenses, net												960,000
Hospitality
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior year adjustments										12,000,000	11,000,000
Small Business Lines
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior year adjustments										$ 3,200,000	2,400,000
Florida Homeowners
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior year adjustments											$ 1,700,000	2,000,000
Commercial Liability Line
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior year adjustments												4,200,000
Texas Homeowners
Liability for Claims and Claims Adjustment Expense [Line Items]
Prior year adjustments												$ 727,000

Unpaid Losses and Loss Adjust_5

Unpaid Losses and Loss Adjustment Expenses - Loss Development (Details) $ in Thousands	Dec. 31, 2020USD ($)claim	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)	Dec. 31, 2012USD ($)	Dec. 31, 2011USD ($)	Dec. 31, 2010USD ($)	Dec. 31, 2009USD ($)
Claims Development [Line Items]
Incurred	$ 422,511
Total IBNR	31,994
Cumulative Paid	340,440
Unpaid losses and ALAE, years 2011 through 2020	82,071
Unpaid losses and ALAE, prior to 2011	8
Unpaid losses and ALAE, net of reinsurance	82,079
Commercial Lines
Claims Development [Line Items]
Incurred	313,575
Total IBNR	31,442
Cumulative Paid	233,566
Unpaid losses and ALAE, years 2011 through 2020	80,009
Unpaid losses and ALAE, prior to 2011	8
Unpaid losses and ALAE, net of reinsurance	80,017
Personal Lines
Claims Development [Line Items]
Incurred	108,936
Total IBNR	552
Cumulative Paid	106,874
Unpaid losses and ALAE, years 2011 through 2020	2,062
Unpaid losses and ALAE, net of reinsurance	2,062
Accident Year 2011
Claims Development [Line Items]
Incurred	7,001	$ 6,957	$ 6,957	$ 6,964	$ 6,949	$ 6,963	$ 7,081	$ 7,307	$ 7,517	$ 8,431
Total IBNR	$ 0
Cumulative number of reported claims | claim	1,308
Cumulative Paid	$ 6,938	6,931	6,927	6,897	6,766	6,624	6,308	5,597	4,826	3,432
Accident Year 2011 | Commercial Lines
Claims Development [Line Items]
Incurred	4,977	4,933	4,933	4,935	4,903	4,932	5,049	5,326	5,758	6,753
Total IBNR	$ 0
Cumulative number of reported claims | claim	591
Cumulative Paid	$ 4,914	4,907	4,903	4,872	4,744	4,641	4,449	3,964	3,534	2,645
Accident Year 2011 | Personal Lines
Claims Development [Line Items]
Incurred	2,024	2,024	2,024	2,027	2,045	2,030	2,031	1,981			$ 1,758	$ 1,678
Total IBNR	$ 0
Cumulative number of reported claims | claim	717
Cumulative Paid	$ 2,024	2,024	2,024	2,024	2,021	1,983	1,859	1,633	1,292	$ 787	2,011
Accident Year 2012
Claims Development [Line Items]
Incurred	18,627	18,578	18,566	18,554	18,642	18,544	18,028	18,111	17,705
Total IBNR	$ 0
Cumulative number of reported claims | claim	3,909
Cumulative Paid	$ 18,627	18,558	18,538	18,369	18,195	17,335	15,540	12,954	7,990
Accident Year 2012 | Commercial Lines
Claims Development [Line Items]
Incurred	6,245	6,209	6,209	6,190	6,253	6,384	6,288	6,421	7,745
Total IBNR	$ 0
Cumulative number of reported claims | claim	570
Cumulative Paid	$ 6,245	6,209	6,209	6,065	5,994	5,558	4,696	3,703	2,325
Accident Year 2012 | Personal Lines
Claims Development [Line Items]
Incurred	12,382	12,369	12,357	12,365	12,390	12,159	11,740	11,690			9,960
Total IBNR	$ 0
Cumulative number of reported claims | claim	3,339
Cumulative Paid	$ 12,382	12,349	12,329	12,306	12,202	11,777	10,844	9,251	$ 5,665		2,012
Accident Year 2013
Claims Development [Line Items]
Incurred	31,030	30,846	30,420	30,419	29,375	28,817	27,431	28,052
Total IBNR	$ 40
Cumulative number of reported claims | claim	5,819
Cumulative Paid	$ 30,842	30,351	29,824	29,162	27,223	25,695	22,094	13,934
Accident Year 2013 | Commercial Lines
Claims Development [Line Items]
Incurred	11,804	11,624	11,218	11,252	10,237	9,893	9,435	10,018
Total IBNR	$ 40
Cumulative number of reported claims | claim	611
Cumulative Paid	$ 11,620	11,137	10,650	10,147	8,622	7,643	6,211	3,979
Accident Year 2013 | Personal Lines
Claims Development [Line Items]
Incurred	19,226	19,222	19,202	19,167	19,138	18,925	17,996	18,034
Total IBNR	$ 0
Cumulative number of reported claims | claim	5,208
Cumulative Paid	$ 19,222	19,214	19,174	19,014	18,600	18,052	15,883	$ 9,955			2,013
Accident Year 2014
Claims Development [Line Items]
Incurred	47,140	46,848	46,074	44,247	40,446	37,378	37,660
Total IBNR	$ 125
Cumulative number of reported claims | claim	5,490
Cumulative Paid	$ 46,457	45,591	43,464	40,192	34,718	30,492	21,534
Accident Year 2014 | Commercial Lines
Claims Development [Line Items]
Incurred	29,045	28,766	28,145	26,367	22,711	19,907	19,709
Total IBNR	$ 125
Cumulative number of reported claims | claim	1,753
Cumulative Paid	$ 28,389	27,544	25,609	22,446	17,458	13,977	8,715
Accident Year 2014 | Personal Lines
Claims Development [Line Items]
Incurred	18,095	18,082	17,929	17,880	17,735	17,471	17,951
Total IBNR	$ 0
Cumulative number of reported claims | claim	3,737
Cumulative Paid	$ 18,068	18,047	17,855	17,746	17,260	16,515	$ 12,819				2,014
Accident Year 2015
Claims Development [Line Items]
Incurred	53,222	51,736	49,763	46,581	40,078	33,319
Total IBNR	$ 507
Cumulative number of reported claims | claim	4,511
Cumulative Paid	$ 51,123	49,747	45,634	36,393	29,690	18,241
Accident Year 2015 | Commercial Lines
Claims Development [Line Items]
Incurred	37,795	36,372	34,478	31,861	26,633	22,442
Total IBNR	$ 507
Cumulative number of reported claims | claim	2,359
Cumulative Paid	$ 35,833	34,497	30,475	22,549	17,817	10,470
Accident Year 2015 | Personal Lines
Claims Development [Line Items]
Incurred	15,427	15,364	15,285	14,721	13,445	10,877
Total IBNR	$ 0
Cumulative number of reported claims | claim	2,152
Cumulative Paid	$ 15,290	15,250	15,159	13,844	11,873	$ 7,771					2,015
Accident Year 2016
Claims Development [Line Items]
Incurred	61,744	59,905	55,389	48,353	44,015
Total IBNR	$ 802
Cumulative number of reported claims | claim	5,368
Cumulative Paid	$ 57,296	53,077	42,227	30,373	17,374
Accident Year 2016 | Commercial Lines
Claims Development [Line Items]
Incurred	46,089	44,355	40,440	34,935	32,396
Total IBNR	$ 802
Cumulative number of reported claims | claim	3,554
Cumulative Paid	$ 41,945	37,967	27,785	19,135	10,255
Accident Year 2016 | Personal Lines
Claims Development [Line Items]
Incurred	15,655	15,550	14,949	13,418	11,619
Total IBNR	$ 0
Cumulative number of reported claims | claim	1,814
Cumulative Paid	$ 15,351	15,110	14,442	11,238	$ 7,119						2,016
Accident Year 2017
Claims Development [Line Items]
Incurred	66,676	64,242	58,045	58,309
Total IBNR	$ 1,489
Cumulative number of reported claims | claim	8,717
Cumulative Paid	$ 56,834	48,209	35,964	20,768
Accident Year 2017 | Commercial Lines
Claims Development [Line Items]
Incurred	51,883	49,749	44,495	44,251
Total IBNR	$ 1,489
Cumulative number of reported claims | claim	5,804
Cumulative Paid	$ 42,308	34,205	23,020	12,448
Accident Year 2017 | Personal Lines
Claims Development [Line Items]
Incurred	14,793	14,493	13,550	14,058
Total IBNR	$ 0
Cumulative number of reported claims | claim	2,913
Cumulative Paid	$ 14,526	14,004	12,944	$ 8,320							2,017
Accident Year 2018
Claims Development [Line Items]
Incurred	56,024	48,810	48,517
Total IBNR	$ 3,610
Cumulative number of reported claims | claim	6,894
Cumulative Paid	$ 37,733	25,417	14,671
Accident Year 2018 | Commercial Lines
Claims Development [Line Items]
Incurred	49,741	42,432	42,624
Total IBNR	$ 3,610
Cumulative number of reported claims | claim	6,092
Cumulative Paid	$ 31,633	19,799	10,375
Accident Year 2018 | Personal Lines
Claims Development [Line Items]
Incurred	6,283	6,378	5,893
Total IBNR	$ 0
Cumulative number of reported claims | claim	802
Cumulative Paid	$ 6,100	5,618	$ 4,296								2,018
Accident Year 2019
Claims Development [Line Items]
Incurred	44,841	44,385
Total IBNR	$ 8,712
Cumulative number of reported claims | claim	6,541
Cumulative Paid	$ 23,066	12,197
Accident Year 2019 | Commercial Lines
Claims Development [Line Items]
Incurred	42,129	41,286
Total IBNR	$ 8,644
Cumulative number of reported claims | claim	6,201
Cumulative Paid	$ 20,462	10,078
Accident Year 2019 | Personal Lines
Claims Development [Line Items]
Incurred	2,712	3,099
Total IBNR	$ 68
Cumulative number of reported claims | claim	340
Cumulative Paid	$ 2,604	$ 2,119									2,019
Accident Year 2020
Claims Development [Line Items]
Incurred	36,206
Total IBNR	$ 16,709
Cumulative number of reported claims | claim	3,806
Cumulative Paid	$ 11,524
Accident Year 2020 | Commercial Lines
Claims Development [Line Items]
Incurred	33,867
Total IBNR	$ 16,225
Cumulative number of reported claims | claim	3,483
Cumulative Paid	$ 10,217
Accident Year 2020 | Personal Lines
Claims Development [Line Items]
Incurred	2,339
Total IBNR	$ 484
Cumulative number of reported claims | claim	323
Cumulative Paid	$ 1,307										$ 2,020

Unpaid Losses and Loss Adjust_6

Unpaid Losses and Loss Adjustment Expenses - Reconciliation of Loss to the Liability for Claims (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability [Line Items]
Unpaid losses and ALAE, net of reinsurance	$ 82,079
Reinsurance recoverables on unpaid losses	24,218	$ 22,579	$ 29,685	$ 20,066
ULAE expense	4,973
Total gross unpaid losses and LAE	111,270	$ 107,246	$ 92,807	$ 87,896
Commercial Lines
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability [Line Items]
Unpaid losses and ALAE, net of reinsurance	80,017
Reinsurance recoverables on unpaid losses	21,770
Personal Lines
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability [Line Items]
Unpaid losses and ALAE, net of reinsurance	2,062
Reinsurance recoverables on unpaid losses	$ 2,448

Unpaid Losses and Loss Adjust_7

Unpaid Losses and Loss Adjustment Expenses - Loss Duration (Details)	Dec. 31, 2019
Short-duration Insurance Contracts, Historical Claims Duration [Line Items]
Year 1	39.80%
Year 2	27.20%
Year 3	16.90%
Year 4	8.80%
Year 5	4.10%
Year 6	1.90%
Year 7	0.90%
Year 8	0.30%
Year 9	0.00%
Year 10, and onwards	0.10%
Commercial Lines
Short-duration Insurance Contracts, Historical Claims Duration [Line Items]
Year 1	38.00%
Year 2	27.70%
Year 3	17.50%
Year 4	9.10%
Year 5	4.30%
Year 6	1.90%
Year 7	1.00%
Year 8	0.40%
Year 9	0.00%
Year 10, and onwards	0.10%
Personal Lines
Short-duration Insurance Contracts, Historical Claims Duration [Line Items]
Year 1	77.90%
Year 2	16.80%
Year 3	3.30%
Year 4	0.90%
Year 5	0.80%
Year 6	0.10%
Year 7	0.00%
Year 8	0.20%
Year 9	0.00%
Year 10, and onwards	0.00%

Reinsurance - Narrative (Detail

Reinsurance - Narrative (Details) - USD ($)	12 Months Ended				24 Months Ended	42 Months Ended	48 Months Ended	62 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2020	Dec. 31, 2018	Dec. 31, 2018	Dec. 31, 2019
Effects of Reinsurance [Line Items]
Assumed premiums written	$ 28,905,000	$ 33,459,000	$ 31,078,000
Ceded premium written	18,395,000	14,129,000	15,282,000
Ceded premiums earned	17,511,000	14,114,000	15,377,000
Hurricane
Effects of Reinsurance [Line Items]
Ceded premium written	195,000	495,000	1,000,000
Ceded premiums earned	$ 195,000	495,000	1,000,000
Maximum
Effects of Reinsurance [Line Items]
Reinsurance retention policy, co-participation (percentage)	60.00%
Maximum | Personal Lines
Effects of Reinsurance [Line Items]
Amount retained (excess of)	$ 300,000	300,000	300,000
Minimum
Effects of Reinsurance [Line Items]
Reinsurance retention policy, co-participation (percentage)	40.00%
Liability Risk | Maximum
Effects of Reinsurance [Line Items]
Amount retained (excess of)	$ 400,000	400,000	500,000
Property Risk | Maximum
Effects of Reinsurance [Line Items]
Amount retained (excess of)	300,000	300,000	$ 300,000
Reinsurance retention policy, co-participation (percentage)			100.00%
Property Risk | Minimum
Effects of Reinsurance [Line Items]
Amount retained (excess of)	400,000
Workers Compensation and Casualty Clash
Effects of Reinsurance [Line Items]
Amount retained (excess of)					$ 1,000,000
Amount reinsured					19,000,000
Casualty Clash
Effects of Reinsurance [Line Items]
Amount retained (excess of)							$ 2,000,000
Amount reinsured							18,000,000
Liability Reinsurance Policy
Effects of Reinsurance [Line Items]
Amount retained (excess of)					400,000
Amount reinsured					600,000
Property Reinsurance Policy | Personal Lines
Effects of Reinsurance [Line Items]
Amount reinsured	1,700,000							$ 2,700,000
Property Reinsurance Policy | Commercial Lines
Effects of Reinsurance [Line Items]
Amount retained (excess of)	300,000	300,000	$ 300,000			$ 2,000,000
Amount reinsured	7,700,000	3,700,000
Insured property value			200,000			$ 2,000,000
Property Reinsurance Policy | Property, Liability and Casualty Insurance Product Line
Effects of Reinsurance [Line Items]
Amount retained (excess of)	2,000,000	2,000,000	4,000,000	$ 4,000,000
Insured property value	$ 28,000,000	$ 28,000,000	$ 96,000,000	$ 106,000,000
Termination date	Jun. 1, 2021	Jun. 1, 2020	Jun. 1, 2019	Jun. 1, 2018
Property Reinsurance Policy | Maximum | Personal Lines
Effects of Reinsurance [Line Items]
Amount retained (excess of)	$ 300,000							$ 300,000
Multiple Line Reinsurance Policy | Commercial Lines
Effects of Reinsurance [Line Items]
Amount retained (excess of)					400,000		500,000
Amount reinsured					$ 600,000		$ 1,500,000
Quota Share Reinsurance Agreement | Maximum | Commercial Lines
Effects of Reinsurance [Line Items]
Reinsurance retention policy, co-participation (percentage)	100.00%
Quota Share Reinsurance Agreement | Minimum | Commercial Lines
Effects of Reinsurance [Line Items]
Reinsurance retention policy, co-participation (percentage)	90.00%
Quota Share Reinsurance Agreement, Other Arrangements | Maximum | Other insurance product line
Effects of Reinsurance [Line Items]
Reinsurance retention policy, co-participation (percentage)	100.00%
Insurance Fronting Arrangement
Effects of Reinsurance [Line Items]
Assumed premiums written	$ 28,900,000	$ 33,500,000	$ 31,100,000

Reinsurance - Effects of Reinsu

Reinsurance - Effects of Reinsurance and Assumption Transactions (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Written premiums:
Direct									$ 82,430	$ 68,394	$ 73,290
Assumed									28,905	33,459	31,078
Ceded									(18,395)	(14,129)	(15,282)
Net written premiums	$ 23,781	$ 25,043	$ 23,065	$ 21,051	$ 22,162	$ 23,806	$ 21,434	$ 20,322	92,940	87,724	89,086
Earned premiums:
Direct									75,130	70,911	80,691
Assumed									31,484	32,292	28,497
Ceded									(17,511)	(14,114)	(15,377)
Net earned premiums	23,101	22,227	21,758	22,017	23,278	22,775	21,349	21,687	89,103	89,089	93,811
Loss and loss adjustment expenses:
Direct									48,780	66,256	65,284
Assumed									24,429	25,510	20,671
Ceded									(16,981)	(32,022)	(23,440)
Total net incurred losses and loss adjustment expenses	$ 15,461	$ 14,553	$ 11,945	$ 14,269	$ 16,049	$ 14,857	$ 14,382	$ 14,456	$ 56,228	$ 59,744	$ 62,515

Debt - Narrative (Details)

Debt - Narrative (Details)	Apr. 24, 2020USD ($)	Sep. 24, 2018USD ($)	Jun. 21, 2018USD ($)	Dec. 31, 2020USD ($)debt_instrumentshares	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Debt Instrument [Line Items]
Number of debt instruments | debt_instrument				4
Paycheck Protection Program
Debt Instrument [Line Items]
Face amount of debt				$ 2,700,000
Borrowing capacity	$ 10,000,000
Interest rate	1.00%
Debt	$ 2,700,000			2,745,000	$ 0
Maturity of loan	Apr. 24, 2022
Debt instrument, description	The Company amended its $10.0 million line of credit facility with the Lender to incorporate this loan as a reduction of the available line of credit. The loan may be prepaid by the Company at any time prior to maturity with no prepayment penalties. This loan may be subject to forgiveness under the CARES Act provisions. The Company applied for forgiveness of the loan in 2020, at which point the principal and interest payments were deferred until the SBA remits the loan forgiveness amount to the Lender. No assumptions were made relative to potential forgiveness as of December 31, 2020.
Senior Unsecured Notes | Senior Unsecured Notes
Debt Instrument [Line Items]
Face amount of debt				$ 24,400,000		$ 25,300,000
Debt issued		$ 25,300,000
Maturity date		Sep. 30, 2023
Interest rate		6.75%
Debt issued | shares				36,761
Maturity date				$ 919,000
Interest rate				260,000
Debt issuance costs				715,000,000,000
Line of credit
Debt Instrument [Line Items]
Borrowing capacity			$ 10,000,000	10,000,000
Debt				7,700,000
Line of credit | LIBOR
Debt Instrument [Line Items]
Variable interest rate			2.75%
Subordinated notes | Subordinated notes
Debt Instrument [Line Items]
Face amount of debt		$ 10,500,000		10,500,000
Maturity date		Sep. 30, 2038
Interest rate, payment terms					Interest is payable quarterly at the end of March, June, September and December
Call premium percentage		12.50%
Debt issuance costs				$ 913,000
Subordinated notes | Subordinated notes | Debt Instrument, Redemption, Period One
Debt Instrument [Line Items]
Interest rate		7.50%
Call premium		$ 1,100,000
Subordinated notes | Subordinated notes | Debt Instrument, Redemption, Period Two
Debt Instrument [Line Items]
Interest rate		12.50%
Call premium		$ 1,750,000
Subordinated notes | Subordinated notes | Debt Instrument, Redemption, Period Three
Debt Instrument [Line Items]
Call premium		$ 3,050,000

Debt - Outstanding Senior Debt

Debt - Outstanding Senior Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Apr. 24, 2020	Dec. 31, 2019
Debt Instrument [Line Items]
Debt	$ 40,997		$ 35,824
Paycheck Protection Program
Debt Instrument [Line Items]
Debt	2,745	$ 2,700	0
Senior Unsecured Notes
Debt Instrument [Line Items]
Debt	23,665		24,288
Subordinated notes
Debt Instrument [Line Items]
Debt	9,587		9,536
Line of credit
Debt Instrument [Line Items]
Debt	$ 5,000		$ 2,000

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Operating Loss Carryforwards [Line Items]
Current income taxes receivable	$ 9,000	$ 87,000
Effective income tax rate	21.00%	21.00%	21.00%
Reduction in deferred tax expense related to loss reserve discounting			$ 42,735,000
Increase in deferred tax expense related to transitional loss reserve discounting			$ 42,735,000
Valuation allowance	$ 13,292,000	$ 13,572,000
Domestic Tax Authority | Internal Revenue Service (IRS)
Operating Loss Carryforwards [Line Items]
Net operating loss carryforwards	59,200,000
Net operating loss carryforwards, subject to expiration	49,300,000
Net operating loss carryforwards, not subject to expiration	9,900,000
Net operating loss carryforwards subject to limitations	14,100,000
State Tax Authority
Operating Loss Carryforwards [Line Items]
Net operating loss carryforwards	$ 17,100,000
State Tax Authority | Minimum
Operating Loss Carryforwards [Line Items]
Income tax statute of limitations period	3 years
State Tax Authority | Maximum
Operating Loss Carryforwards [Line Items]
Income tax statute of limitations period	4 years

Income Taxes - Income Tax Expen

Income Taxes - Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Current tax expense (benefit)									$ 6	$ 27	$ 52
Deferred tax expense (benefit)									0	(940)	0
Total income tax expense (benefit)	$ (7)	$ (44)	$ 44	$ 13	$ (122)	$ (802)	$ 0	$ 11	$ 6	$ (913)	$ 52

Income Taxes - Effective Income

Income Taxes - Effective Income Tax Reconciliation (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Income (loss) before income taxes									$ (238)	$ (9,121)	$ (9,465)
Statutory U.S. federal income tax rate									(50)	(1,915)	(1,988)
State income taxes, net of federal benefit									44	(230)	(156)
Tax‑exempt investment income and dividend received deduction									(50)	(79)	(70)
Nondeductible meals and entertainment									23	38	38
Valuation allowance on deferred tax assets									(205)	966	2,331
Other									244	307	(103)
Total income tax expense (benefit)	$ (7)	$ (44)	$ 44	$ 13	$ (122)	$ (802)	$ 0	$ 11	$ 6	$ (913)	$ 52
Effective tax rate									(2.60%)	10.00%	(0.50%)

Income Taxes - Components of De

Income Taxes - Components of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Deferred tax assets:
Discounted unpaid losses and loss adjustment expenses	$ 1,359	$ 1,264
Unearned premiums	2,436	2,266
Net operating loss carryforwards	12,443	12,593
State net operating loss carryforwards	837	873
Other	132	248
Gross deferred tax assets	17,207	17,244
Less valuation allowance	(13,292)	(13,572)
Total deferred tax assets, net of allowance	3,915	3,672
Deferred tax liabilities:
Investment basis difference	30	28
Net unrealized gains on investments	636	512
Deferred policy acquisition costs	2,571	2,500
Intangible assets	115	115
Property and equipment	52	57
Other	511	460
Total deferred tax liabilities	$ 3,915	$ 3,672

Statutory Financial Data, Ris_3

Statutory Financial Data, Risk-Based Capital and Dividend Restrictions - Summary of Statutory Basis Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
CIC
Statutory Accounting Practices [Line Items]
Statutory capital and surplus	$ 49,271	$ 46,206	$ 47,121
RBC authorized control level	14,221	12,868	11,901
Statutory net income (loss)	$ 2,059	$ (3,627)	$ 1,244
RBC %	346.00%	359.00%	396.00%
WPIC
Statutory Accounting Practices [Line Items]
Statutory capital and surplus	$ 24,723	$ 23,261	$ 26,588
RBC authorized control level	4,547	4,266	4,682
Statutory net income (loss)	$ 1,024	$ (3,652)	$ 834
RBC %	544.00%	545.00%	568.00%

Statutory Financial Data, Ris_4

Statutory Financial Data, Risk-Based Capital and Dividend Restrictions - Narrative (Details)	12 Months Ended
	Dec. 31, 2020
Insurance [Abstract]
Dividend restriction percentage of statutory surplus of preceding year	10.00%

Shareholders' Equity - Narrativ

Shareholders' Equity - Narrative (Details)	1 Months Ended	12 Months Ended
	Jun. 30, 2019USD ($)$ / sharesshares	Dec. 31, 2020USD ($)voteshares	Dec. 31, 2019USD ($)shares
Equity Class of Treasury Stock [Line Items]
Common stock, shares issued (in shares)		9,681,728	9,592,861
Common stock, shares outstanding (in shares)		9,681,728	9,592,861
Common stock voting rights, number of votes per share | vote		1
Restricted Stock Units (RSUs)
Equity Class of Treasury Stock [Line Items]
Shares repurchased (in shares)		9,188	9,319
Shares repurchased | $		$ 28,000	$ 38,000
Stock Repurchase Program, December 2018
Equity Class of Treasury Stock [Line Items]
Shares repurchased (in shares)		2,398	154,208
Shares repurchased | $		$ 8,000	$ 638,000
Common stocks
Equity Class of Treasury Stock [Line Items]
Common stock, shares issued (in shares)		9,681,728	9,592,861
Common stock, shares outstanding (in shares)		9,681,728	9,592,861
Private placement | Common stocks
Equity Class of Treasury Stock [Line Items]
Common equity issued | $	$ 5,000,000
Common equity issued (in shares)	1,176,471
Offering price per share (in dollars per share) | $ / shares	$ 4.25

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) - Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	$ 42,725	$ 42,163	$ 52,826
Other comprehensive income (loss)	423	3,101	(1,770)
Balance at end of period	44,413	42,725	42,163
Accumulated Other Comprehensive Income (Loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	489	(2,612)	(363)
Other comprehensive income (loss) before reclassifications	1,589	2,901
Less: amounts reclassified from accumulated other comprehensive income (loss)	1,166	(200)
Other comprehensive income (loss)	423	3,101	(1,770)
Balance at end of period	$ 912	$ 489	$ (2,612)

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, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Earnings Per Share [Abstract]
Net income (loss)	$ 3,274	$ 541	$ 1,505	$ (4,725)	$ (3,028)	$ (1,230)	$ (2,884)	$ (680)	$ 595	$ (7,822)	$ (9,227)
Weighted average common shares outstanding, basic and diluted									9,625,059	8,880,107	8,543,876
Earnings (loss) per share, basic and diluted	$ 0.34	$ 0.06	$ 0.16	$ (0.49)	$ (0.32)	$ (0.13)	$ (0.34)	$ (0.08)	$ 0.06	$ (0.88)	$ (1.08)

Stock-based Compensation - Narr

Stock-based Compensation - Narrative (Details) - USD ($)	6 Months Ended	12 Months Ended
	Jun. 30, 2020	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2016	Dec. 31, 2015
Share-based Payment Arrangement, Option
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Options issued to purchase shares of common stock	280,000
Vesting period	5 years
Strike price	$ 3.81
Expiration date	Jun. 30, 2030
Estimated Value Of Stock Options Issued	$ 290,000
Share-based compensation expense		$ 29,000
Share-based compensation expense not yet recognized		$ 261,000
Share-based compensation nonvested shares		280,000
Restricted Stock Units (RSUs) | Omnibus Incentive Plan
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Shares granted in period (in shares)				70,000	111,281	390,352
Shares granted in period				$ 404,000	$ 909,000	$ 4,100,000
Share-based compensation expense		$ 677,000	$ 959,000	$ 970,000
Share-based compensation expense not yet recognized		$ 258,000
Share-based compensation nonvested shares		39,708

Employee Benefit Plans (Details

Employee Benefit Plans (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Compensation And Retirement Disclosure [Abstract]
Minimum employee contribution amount, percentage of gross compensation	1.00%
Maximum employee contribution amount, percentage of gross compensation	100.00%
Employee matching contribution, percentage of employee gross compensation	4.00%
Plan expense	$ 508,000	$ 501,000	$ 479,000

Commitments and Contingencies (

Commitments and Contingencies (Details)	Dec. 31, 2020USD ($)
Agreement to Design and Implement New Systems
Other Commitments [Line Items]
Minimum monthly payment	$ 30,000

Segment Information - Narrative

Segment Information - Narrative (Details) - business	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Segment Reporting Information [Line Items]
Number of businesses	3
Gross Written Premiums | Geographic Concentration Risk | Florida, Michigan, Texas and New York
Segment Reporting Information [Line Items]
Concentration risk	49.60%	50.70%	53.10%

Segment Information - Summary o

Segment Information - Summary of Net Earned Premiums by Segment (Details) - Net Earned Premium - Operating Segments	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Segment Reporting Information [Line Items]
Net Earned Premium	100.00%	100.00%	100.00%
Commercial Lines
Segment Reporting Information [Line Items]
Net Earned Premium	92.00%	94.00%	89.00%
Personal Lines
Segment Reporting Information [Line Items]
Net Earned Premium	8.00%	6.00%	11.00%

Segment Information - Informati

Segment Information - Information by Reportable Segment (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Segment Reporting Information [Line Items]
Gross written premiums	$ 28,865	$ 29,841	$ 27,545	$ 25,084	$ 25,391	$ 27,077	$ 25,169	$ 24,216	$ 111,335	$ 101,853	$ 104,368
Net written premiums	23,781	25,043	23,065	21,051	22,162	23,806	21,434	20,322	92,940	87,724	89,086
Net earned premiums	23,101	22,227	21,758	22,017	23,278	22,775	21,349	21,687	89,103	89,089	93,811
Other income	602	642	713	658	542	564	581	422	2,615	2,109	1,582
Segment revenue									91,718	91,198	95,393
Losses and loss adjustment expenses, net	15,461	14,553	11,945	14,269	16,049	14,857	14,382	14,456	56,228	59,744	62,515
Policy acquisition costs	6,924	6,483	6,395	6,303	6,959	6,153	6,210	5,589	26,105	24,911	25,534
Operating expenses	4,027	4,537	4,859	5,045	4,622	4,297	4,340	4,323	18,468	17,582	17,683
Segment expenses									100,801	102,237	105,732
Segment underwriting gain (loss)									(9,083)	(11,039)	(10,339)
Investment income	563	776	863	954	860	1,210	1,051	910	3,156	4,031	3,336
Net realized investment gains	3,637	3,316	245	928	72	390	715	19	8,126	1,196	61
Other gains (losses)	0	0	145	115					260	0	0
Change in fair value of equity securities	2,094	(356)	1,576	(3,086)	288	(1,065)	(915)	1,265	228	(427)	121
Interest expense	(740)	$ (723)	$ (731)	$ (731)	(727)	$ (720)	$ (725)	$ (710)	(2,925)	(2,882)	(2,644)
Income (loss) before income taxes									(238)	(9,121)	(9,465)
Deferred policy acquisition costs	12,243				11,906				12,243	11,906	12,011	$ 12,781
Unearned premiums	56,224				51,503				56,224	51,503	52,852
Unpaid losses and loss adjustment expenses	111,270				107,246				111,270	107,246	92,807	$ 87,896
Operating Segments | Commercial Lines
Segment Reporting Information [Line Items]
Gross written premiums									102,763	94,391	97,694
Net written premiums									85,385	81,966	87,038
Net earned premiums									82,409	83,858	83,352
Other income									242	216	101
Segment revenue									82,651	84,074	83,453
Losses and loss adjustment expenses, net									53,263	53,256	53,065
Policy acquisition costs									25,051	23,511	23,584
Operating expenses									12,644	12,881	14,662
Segment expenses									90,958	89,648	91,311
Segment underwriting gain (loss)									(8,307)	(5,574)	(7,858)
Income (loss) before income taxes									(8,307)	(5,574)	(7,858)
Deferred policy acquisition costs	11,858				12,033				11,858	12,033	11,258
Unearned premiums	51,535				47,674				51,535	47,674	49,549
Unpaid losses and loss adjustment expenses	106,662				101,850				106,662	101,850	87,643
Operating Segments | Personal Lines
Segment Reporting Information [Line Items]
Gross written premiums									8,572	7,462	6,674
Net written premiums									7,555	5,758	2,048
Net earned premiums									6,694	5,231	10,459
Other income									150	143	225
Segment revenue									6,844	5,374	10,684
Losses and loss adjustment expenses, net									2,965	6,488	9,450
Policy acquisition costs									2,044	1,744	3,846
Operating expenses									1,069	1,233	1,088
Segment expenses									6,078	9,465	14,384
Segment underwriting gain (loss)									766	(4,091)	(3,700)
Income (loss) before income taxes									766	(4,091)	(3,700)
Deferred policy acquisition costs	1,183				1,007				1,183	1,007	753
Unearned premiums	4,689				3,829				4,689	3,829	3,303
Unpaid losses and loss adjustment expenses	4,608				5,396				4,608	5,396	5,164
Operating Segments | Underwriting
Segment Reporting Information [Line Items]
Gross written premiums									111,335	101,853	104,368
Net written premiums									92,940	87,724	89,086
Net earned premiums									89,103	89,089	93,811
Other income									392	359	326
Segment revenue									89,495	89,448	94,137
Losses and loss adjustment expenses, net									56,228	59,744	62,515
Policy acquisition costs									27,095	25,255	27,430
Operating expenses									13,713	14,114	15,750
Segment expenses									97,036	99,113	105,695
Segment underwriting gain (loss)									(7,541)	(9,665)	(11,558)
Income (loss) before income taxes									(7,541)	(9,665)	(11,558)
Operating Segments | Wholesale Agency
Segment Reporting Information [Line Items]
Other income									7,571	9,073	9,251
Segment revenue									7,571	9,073	9,251
Policy acquisition costs									4,938	6,063	6,255
Operating expenses									3,107	2,180	1,564
Segment expenses									8,045	8,243	7,819
Segment underwriting gain (loss)									(474)	830	1,432
Income (loss) before income taxes									(474)	830	1,432
Corp-orate
Segment Reporting Information [Line Items]
Other income									245	224	156
Segment revenue									245	224	156
Operating expenses									1,648	1,288	369
Segment expenses									1,648	1,288	369
Segment underwriting gain (loss)									(1,403)	(1,064)	(213)
Investment income									3,156	4,031	3,336
Net realized investment gains									8,126	1,196	61
Other gains (losses)									260
Change in fair value of equity securities									228	(427)	121
Interest expense									(2,925)	(2,882)	(2,644)
Income (loss) before income taxes									7,442	854	661
Eliminations
Segment Reporting Information [Line Items]
Other income									(5,593)	(7,547)	(8,151)
Segment revenue									(5,593)	(7,547)	(8,151)
Policy acquisition costs									(5,928)	(6,407)	(8,151)
Segment expenses									(5,928)	(6,407)	$ (8,151)
Segment underwriting gain (loss)									335	(1,140)
Income (loss) before income taxes									335	(1,140)
Deferred policy acquisition costs	$ (798)				$ (1,134)				$ (798)	$ (1,134)

Quarterly Financial Data (Una_3

Quarterly Financial Data (Unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Quarterly Financial Information Disclosure [Abstract]
Gross written premiums	$ 28,865	$ 29,841	$ 27,545	$ 25,084	$ 25,391	$ 27,077	$ 25,169	$ 24,216	$ 111,335	$ 101,853	$ 104,368
Net written premiums	23,781	25,043	23,065	21,051	22,162	23,806	21,434	20,322	92,940	87,724	89,086
Net earned premiums	23,101	22,227	21,758	22,017	23,278	22,775	21,349	21,687	89,103	89,089	93,811
Net investment income	563	776	863	954	860	1,210	1,051	910	3,156	4,031	3,336
Net realized investment gains	3,637	3,316	245	928	72	390	715	19	8,126	1,196	61
Change in fair value of equity securities	2,094	(356)	1,576	(3,086)	288	(1,065)	(915)	1,265	228	(427)	121
Other income	602	642	713	658	542	564	581	422	2,615	2,109	1,582
Losses and loss adjustment expenses, net	15,461	14,553	11,945	14,269	16,049	14,857	14,382	14,456	56,228	59,744	62,515
Policy acquisition costs	6,924	6,483	6,395	6,303	6,959	6,153	6,210	5,589	26,105	24,911	25,534
Operating expenses	4,027	4,537	4,859	5,045	4,622	4,297	4,340	4,323	18,468	17,582	17,683
Interest expense	740	723	731	731	727	720	725	710	2,925	2,882	2,644
Income tax expense (benefit)	(7)	(44)	44	13	(122)	(802)	0	11	6	(913)	52
Other gains (losses)	0	0	145	115					260	0	0
Equity earnings in Affiliate, net of tax	422	188	179	50	167	121	(8)	106	839	386	290
Net income (loss)	$ 3,274	$ 541	$ 1,505	$ (4,725)	$ (3,028)	$ (1,230)	$ (2,884)	$ (680)	$ 595	$ (7,822)	$ (9,227)
Net income (loss) per share, basic and diluted	$ 0.34	$ 0.06	$ 0.16	$ (0.49)	$ (0.32)	$ (0.13)	$ (0.34)	$ (0.08)	$ 0.06	$ (0.88)	$ (1.08)
Combined ratio (percentage)	110.60%	110.70%	100.50%	111.60%	112.90%	109.20%	113.00%	108.10%

Schedule II - Condensed Finan_2

Schedule II - Condensed Financial Information of Registrant - Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Assets
Due from Affiliate	$ 8	$ 313
Other assets	10,112	8,698
Total assets	261,597	247,265
Liabilities:
Debt	40,997	35,824
Total liabilities	217,184	204,540
Shareholders' equity:
Common stock, no par value (100,000,000 shares authorized; 9,681,728 and 9,592,861 issued and outstanding, respectively)	92,486	91,816
Accumulated deficit	(48,985)	(49,580)
Accumulated other comprehensive income (loss)	912	489
Total shareholders' equity	44,413	42,725	$ 42,163	$ 52,826
Total liabilities and shareholders' equity	261,597	247,265
Parent Company
Assets
Investment in subsidiaries	81,336	75,607
Cash	1,477	506
Due from subsidiaries	1,745	893
Due from Affiliate		214
Other assets	3,648	4,840
Total assets	88,206	82,060
Liabilities:
Debt	40,997	35,824
Other liabilities	2,796	3,511
Total liabilities	43,793	39,335
Shareholders' equity:
Common stock, no par value (100,000,000 shares authorized; 9,681,728 and 9,592,861 issued and outstanding, respectively)	92,486	91,816
Accumulated deficit	(48,985)	(49,580)
Accumulated other comprehensive income (loss)	912	489
Total shareholders' equity	44,413	42,725
Total liabilities and shareholders' equity	$ 88,206	$ 82,060

Schedule II - Condensed Finan_3

Schedule II - Condensed Financial Information of Registrant - Balance Sheets Stock Information (Details) - $ / shares	Dec. 31, 2020	Dec. 31, 2019
Condensed Balance Sheet Statements, Captions [Line Items]
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	9,681,728	9,592,861
Common stock, shares outstanding (in shares)	9,681,728	9,592,861
Parent Company
Condensed Balance Sheet Statements, Captions [Line Items]
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	9,681,728	9,592,861
Common stock, shares outstanding (in shares)	9,681,728	9,592,861

Schedule II - Condensed Finan_4

Schedule II - Condensed Financial Information of Registrant - Statements of Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Revenue
Revenue									$ 103,488	$ 95,998	$ 98,911
Other income	$ 602	$ 642	$ 713	$ 658	$ 542	$ 564	$ 581	$ 422	2,615	2,109	1,582
Expenses
Operating expenses	4,027	4,537	4,859	5,045	4,622	4,297	4,340	4,323	18,468	17,582	17,683
Interest expense	740	723	731	731	727	720	725	710	2,925	2,882	2,644
Total expenses									103,726	105,119	108,376
Income tax expense (benefit)	(7)	(44)	44	13	(122)	(802)	0	11	6	(913)	52
Net income (loss)	$ 3,274	$ 541	$ 1,505	$ (4,725)	$ (3,028)	$ (1,230)	$ (2,884)	$ (680)	595	(7,822)	(9,227)
Other Comprehensive Income
Other comprehensive income (loss)									423	3,101	(1,770)
Parent Company
Revenue
Revenue									13,010	11,788	13,640
Other income									483	167	73
Expenses
Operating expenses									14,459	14,433	17,336
Interest expense									2,925	2,880	2,644
Total expenses									17,384	17,313	19,980
Income (loss) before equity in earnings (losses) of subsidiaries and income tax expense (benefit)									(4,374)	(5,525)	(6,340)
Income tax expense (benefit)									(813)	30	(581)
Income (loss) before equity earnings (losses) of subsidiaries									(3,561)	(5,555)	(5,759)
Equity earnings (losses) in subsidiaries									4,156	(2,267)	(3,468)
Net income (loss)									595	(7,822)	(9,227)
Other Comprehensive Income
Other comprehensive income (loss)									423	3,101	(1,770)
Total Comprehensive income (loss)									1,018	(4,721)	(10,997)
Parent Company | Management fees from subsidiaries
Revenue
Revenue									$ 12,527	$ 11,621	$ 13,567

Schedule II - Condensed Finan_5

Schedule II - Condensed Financial Information of Registrant - Statement of Cash Flows (Details) - USD ($)	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Cash Flows from Operating Activities
Net income (loss)	$ 3,274,000	$ 541,000	$ 1,505,000	$ (4,725,000)	$ (3,028,000)	$ (1,230,000)	$ (2,884,000)	$ (680,000)	$ 595,000	$ (7,822,000)	$ (9,227,000)
Adjustments to reconcile net income (loss) to net cash used in operating activities:
Depreciation and amortization									437,000	453,000	386,000
Stock-based compensation expense	(422,000)	(188,000)	(179,000)	(50,000)	(167,000)	$ (121,000)	$ 8,000	(106,000)	(839,000)	(386,000)	(290,000)
Other (gain) loss	0	$ 0	$ (145,000)	(115,000)					(260,000)	0	0
Changes in operating assets and liabilities:
Other assets									908,000	(489,000)	(1,252,000)
Net cash provided by (used in) operating activities									2,982,000	15,361,000	(17,008,000)
Cash Flows From Investing Activities
Purchases of investments									(391,588,000)	(157,235,000)	(91,293,000)
Purchases of property and equipment									(78,000)	(61,000)	(86,000)
Net cash provided by (used in) investing activities									(7,337,000)	(25,013,000)	12,222,000
Cash Flows From Financing Activities
Proceeds received from issuance of shares of common stock										5,000,000
Repurchase of common stock									(36,000)	(676,000)	(636,000)
Borrowings under debt arrangements									5,745,000	2,100,000	25,300,000
Repayment of borrowings under debt arrangements									(625,000)	(100,000)	(19,500,000)
Net cash provided by financing activities									5,084,000	6,324,000	3,710,000
Net increase (decrease) in cash									729,000	(3,328,000)	(1,076,000)
Cash at beginning of period				7,464,000				10,792,000	7,464,000	10,792,000	11,868,000
Cash at end of period	8,193,000				7,464,000				8,193,000	7,464,000	10,792,000
Supplemental Disclosure of Cash Flow Information:
Interest paid									2,586,000	2,547,000	3,116,000
Parent Company
Cash Flows from Operating Activities
Net income (loss)									595,000	(7,822,000)	(9,227,000)
Adjustments to reconcile net income (loss) to net cash used in operating activities:
Depreciation and amortization									421,000	447,000	379,000
Equity in undistributed (income) loss of subsidiaries									(4,156,000)	2,267,000	3,468,000
Stock-based compensation expense									706,000	959,000	970,000
Other (gain) loss									(260,000)	0	0
Changes in operating assets and liabilities:
Due from subsidiaries									(852,000)	(490,000)	110,000
Due from Affiliate									214,000	231,000	(97,000)
Current income tax recoverable									539,000	21,000	(488,000)
Other assets									625,000	(3,098,000)	(229,000)
Other liabilities									(715,000)	2,954,000	(360,000)
Net cash provided by (used in) operating activities									(2,883,000)	(4,531,000)	(5,474,000)
Cash Flows From Investing Activities
Contributions to subsidiaries									(1,150,000)	(3,854,000)	0
Dividends received from subsidiaries									0	1,500,000	0
Purchases of investments									(79,000)	0	400,000
Purchases of property and equipment									0	(66,000)	(86,000)
Net cash provided by (used in) investing activities									(1,229,000)	(2,420,000)	314,000
Cash Flows From Financing Activities
Proceeds received from issuance of shares of common stock									0	5,000,000	0
Repurchase of common stock									(36,000)	(676,000)	(636,000)
Borrowings under debt arrangements									5,745,000	2,000,000	25,300,000
Repayment of borrowings under debt arrangements									(625,000)	0	(19,500,000)
Stock and debt issuance costs									0	0	(1,454,000)
Net cash provided by financing activities									5,084,000	6,324,000	3,710,000
Net increase (decrease) in cash									972,000	(627,000)	(1,450,000)
Cash at beginning of period				$ 506,000				$ 1,133,000	506,000	1,133,000	2,583,000
Cash at end of period	$ 1,478,000				$ 506,000				1,478,000	506,000	1,133,000
Supplemental Disclosure of Cash Flow Information:
Interest paid									$ 2,586,000	$ 2,547,000	$ 3,116,000

Schedule II - Condensed Finan_6

Schedule II - Condensed Financial Information of Registrant - Additional Information (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Guarantee of debt
Condensed Cash Flow Statements Captions [Line Items]
Guarantee obligation	$ 10,000,000
Interest rate	4.00%
Parent Company
Condensed Cash Flow Statements Captions [Line Items]
Dividends received from subsidiaries during period	$ 0	$ 1,500,000	$ 0

Schedule V - Valuation and Qu_2

Schedule V - Valuation and Qualifying Accounts (Details) - Valuation for Deferred Tax Assets - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
SEC Schedule, 12-09, Movement in Valuation Allowances and Reserves [Roll Forward]
Balance at Beginning of Period	$ 13,572	$ 12,606	$ 9,904
Charged to Expense	(205)	966	2,331
Decrease to Other Comprehensive Income	(75)	0	371
Deductions from Allowance Account	0	0	0
Balance at End of Period	$ 13,292	$ 13,572	$ 12,606