National General (NTTNP) 10-K 25 Feb 19 2018 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2018	Feb. 20, 2019	Jun. 30, 2018
Document and Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2018
Document Fiscal Year Focus	2,018
Document Fiscal Period Focus	FY
Trading Symbol	NGHC
Entity Registrant Name	National General Holdings Corp.
Entity Central Index Key	1,578,735
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	Yes
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Large Accelerated Filer
Entity Emerging Growth Company	false
Entity Small Business	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		112,952,595
Entity Public Float			$ 1,569,279,980

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Investments:
Debt securities, available-for-sale, at fair value (Exchanges - $297,083 and $304,934)	$ 3,561,032	$ 3,139,889
Equity securities, at fair value	10,949	50,341
Short-term investments (Exchanges - $17,328 and $22,279)	348,549	38,266
Other investments (related parties - $233,723 and $347,548)	306,276	421,292
Total investments	4,226,806	3,649,788
Cash and cash equivalents (Exchanges - $0 and $5,442)	193,858	292,282
Restricted cash and cash equivalents (Exchanges - $200 and $609)	39,725	65,202
Accrued investment income (related parties - $2,362 and $2,334) (Exchanges - $1,596 and $1,805)	27,177	22,372
Premiums and other receivables, net (Exchanges - $61,327 and $56,792)	1,399,812	1,324,321
Deferred acquisition costs (Exchanges - $20,007 and $20,837)	251,408	216,389
Reinsurance recoverable (related parties - $7,425 and $15,688) (Exchanges - $117,068 and $94,204)	1,611,738	1,294,165
Prepaid reinsurance premiums (Exchanges - $136,433 and $100,980)	665,674	517,122
Premises and equipment, net (Exchanges - $1,695 and $4,269)	308,004	324,049
Intangible assets, net (Exchanges - $3,405 and $3,685)	379,937	404,070
Goodwill	180,183	174,153
Prepaid and other assets (Exchanges - $4,581 and $2,263)	154,958	155,830
Total assets	9,439,280	8,439,743
Liabilities:
Unpaid loss and loss adjustment expense reserves (Exchanges - $178,470 and $143,353)	2,957,159	2,663,557
Unearned premiums and other revenue (Exchanges - $265,763 and $225,395)	2,280,728	2,032,605
Reinsurance payable (Exchanges - $40,393 and $68,275)	656,265	398,047
Accounts payable and accrued expenses (related parties - $69,874 and $140,057) (Exchanges - $7,720 and $8,827)	398,058	399,334
Debt	675,449	713,710
Other liabilities (Exchanges - $61,640 and $41,582)	270,750	279,065
Total liabilities	7,238,409	6,486,318
Commitments and contingencies (Note 14)
Stockholders’ equity:
Common stock, $0.01 par value - authorized 150,000,000 shares, issued and outstanding 112,940,595 shares - 2018; authorized 150,000,000 shares, issued and outstanding 106,697,648 shares - 2017.	1,129	1,067
Preferred stock, $0.01 par value - authorized 10,000,000 shares, issued and outstanding 2,565,120 shares - 2018; authorized 10,000,000 shares, issued and outstanding 2,565,000 shares - 2017. Aggregate liquidation preference $450,000 - 2018, $420,000 - 2017.	450,000	420,000
Additional paid-in capital	1,057,783	917,751
Accumulated other comprehensive income:
Unrealized foreign currency translation adjustment, net of tax	(14,461)	(7,810)
Unrealized losses on investments, net of tax	(37,669)	(302)
Total accumulated other comprehensive income (loss)	(52,130)	(8,112)
Retained earnings	764,056	597,863
Total National General Holdings Corp. Stockholders’ Equity	2,220,838	1,928,569
Non-controlling interest	(19,967)	24,856
Total stockholders’ equity	2,200,871	1,953,425
Total liabilities and stockholders’ equity	9,439,280	8,439,743
Reciprocal Exchanges
Investments:
Debt securities, available-for-sale, at fair value (Exchanges - $297,083 and $304,934)	297,083	304,934
Equity securities, at fair value	0	0
Short-term investments (Exchanges - $17,328 and $22,279)	17,328	22,279
Cash and cash equivalents (Exchanges - $0 and $5,442)	0	5,442
Restricted cash and cash equivalents (Exchanges - $200 and $609)	200	609
Accrued investment income (related parties - $2,362 and $2,334) (Exchanges - $1,596 and $1,805)	1,596	1,805
Premiums and other receivables, net (Exchanges - $61,327 and $56,792)	61,327	56,792
Deferred acquisition costs (Exchanges - $20,007 and $20,837)	20,007	20,837
Reinsurance recoverable (related parties - $7,425 and $15,688) (Exchanges - $117,068 and $94,204)	117,068	94,204
Prepaid reinsurance premiums (Exchanges - $136,433 and $100,980)	136,433	100,980
Premises and equipment, net (Exchanges - $1,695 and $4,269)	1,695	4,269
Intangible assets, net (Exchanges - $3,405 and $3,685)	3,405	3,685
Liabilities:
Unpaid loss and loss adjustment expense reserves (Exchanges - $178,470 and $143,353)	178,470	143,353
Unearned premiums and other revenue (Exchanges - $265,763 and $225,395)	265,763	225,395
Reinsurance payable (Exchanges - $40,393 and $68,275)	40,393	68,275
Accounts payable and accrued expenses (related parties - $69,874 and $140,057) (Exchanges - $7,720 and $8,827)	7,720	8,827
Other liabilities (Exchanges - $61,640 and $41,582)	$ 61,640	$ 41,582

Consolidated Balance Sheets Par

Consolidated Balance Sheets Parenthetical - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Debt securities, available-for-sale, at fair value (Exchanges - $297,083 and $304,934)	$ 3,561,032	$ 3,139,889
Short-term investments (Exchanges - $17,328 and $22,279)	348,549	38,266
Other investments	306,276	421,292
Cash and cash equivalents	193,858	292,282
Restricted cash and cash equivalents	39,725	65,202
Accrued investment income	27,177	22,372
Premiums and other receivables, net	1,399,812	1,324,321
Deferred acquisition costs	251,408	216,389
Reinsurance recoverable	1,611,738	1,294,165
Prepaid reinsurance premiums	665,674	517,122
Premises and equipment, net	308,004	324,049
Intangible assets, net	379,937	404,070
Unpaid loss and loss adjustment expense reserves	2,957,159	2,663,557
Unearned premiums and other revenue	2,280,728	2,032,605
Reinsurance payable	656,265	398,047
Accounts payable and accrued expenses	398,058	399,334
Other liabilities	$ 270,750	$ 279,065
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	150,000,000	150,000,000
Common stock, issued	112,940,595	106,697,648
Common stock, outstanding (in shares)	112,940,595	106,697,648
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	10,000,000	10,000,000
Preferred stock, shares issued	2,565,120	2,565,000
Preferred stock, shares outstanding (in shares)	2,565,120	2,565,000
Preferred stock, $0.01 par value - authorized 10,000,000 shares, issued and outstanding 2,565,120 shares - 2018; authorized 10,000,000 shares, issued and outstanding 2,565,000 shares - 2017. Aggregate liquidation preference $450,000 - 2018, $420,000 - 2017.	$ 450,000	$ 420,000
Preferred Stock, Liquidation Preference, Value	450,000	420,000
Related Party
Other investments	233,723	347,548
Accrued investment income	2,362	2,334
Reinsurance recoverable	7,425	15,688
Accounts payable and accrued expenses	69,874	140,057
Reciprocal Exchanges
Debt securities, available-for-sale, at fair value (Exchanges - $297,083 and $304,934)	297,083	304,934
Short-term investments (Exchanges - $17,328 and $22,279)	17,328	22,279
Cash and cash equivalents	0	5,442
Restricted cash and cash equivalents	200	609
Accrued investment income	1,596	1,805
Premiums and other receivables, net	61,327	56,792
Deferred acquisition costs	20,007	20,837
Reinsurance recoverable	117,068	94,204
Prepaid reinsurance premiums	136,433	100,980
Premises and equipment, net	1,695	4,269
Intangible assets, net	3,405	3,685
Prepaid and other assets	4,581	2,263
Unpaid loss and loss adjustment expense reserves	178,470	143,353
Unearned premiums and other revenue	265,763	225,395
Reinsurance payable	40,393	68,275
Accounts payable and accrued expenses	7,720	8,827
Other liabilities	$ 61,640	$ 41,582

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Revenues:
Net earned premium	$ 3,732,202	$ 3,654,176	$ 2,995,171
Ceding commission income	224,697	116,456	45,600
Service and fee income	561,583	502,927	380,817
Net investment income	119,034	101,950	115,187
Net gain (loss) on investments:
Other-than-temporary impairment loss	0	(25)	(22,102)
Other net realized gain (loss) on investments	(29,545)	46,788	30,006
Net gain (loss) on investments	(29,545)	46,763	7,904
Other income (expense)	0	(198)	24,308
Total revenues	4,607,971	4,422,074	3,568,987
Expenses:
Loss and loss adjustment expense	2,662,226	2,626,082	2,092,280
Acquisition costs and other underwriting expenses	735,266	672,429	497,007
General and administrative expenses	938,046	912,996	709,148
Interest expense	51,425	47,086	40,180
Total expenses	4,386,963	4,258,593	3,338,615
Income before provision for income taxes	221,008	163,481	230,372
Provision for income taxes	53,484	61,273	33,998
Net income	167,524	102,208	196,374
Net (income) loss attributable to non-controlling interest	39,830	3,637	(20,668)
Net income attributable to NGHC	207,354	105,845	175,706
Dividends on preferred stock	(32,492)	(31,500)	(24,333)
Net income attributable to NGHC common stockholders	$ 174,862	$ 74,345	$ 151,373
Earnings per common share (“EPS”):
Basic EPS	$ 1.62	$ 0.70	$ 1.43
Diluted EPS	1.59	0.68	1.40
Dividends declared per common share	$ 0.16	$ 0.16	$ 0.14

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Statement of Comprehensive Income [Abstract]
Net income	$ 167,524	$ 102,208	$ 196,374
Other comprehensive income:
Foreign currency translation adjustment	(8,425)	(6,317)	2,246
Income tax effect	1,774	827	(786)
Total foreign currency translation adjustment, net of tax	(6,651)	(5,490)	1,460
Gross unrealized gain (loss) on investments before reclassifications	(71,936)	41,477	37,171
Income tax effect	15,107	(8,710)	(13,010)
Total change in net unrealized gain (loss) on investments, net of tax	(56,829)	32,767	24,161
Net realized (gain) loss on investments	18,270	(63,298)	(11,760)
Other-than-temporary impairment loss	0	25	22,102
Income tax effect	(3,837)	13,288	(3,620)
Total (gain) loss on investments reclassifications to net income, net of tax	14,433	(49,985)	6,722
Other comprehensive income (loss) before income tax effect	(62,091)	(28,113)	49,759
Income tax effect	13,044	5,405	(17,416)
Other comprehensive income (loss), net of tax	(49,047)	(22,708)	32,343
Comprehensive income	118,477	79,500	228,717
Comprehensive (income) loss attributable to non-controlling interest	44,823	6,758	(22,122)
Comprehensive income attributable to NGHC	$ 163,300	$ 86,258	$ 206,595

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Total	Series C Preferred Stock	Series D Preferred Stock	Common stock	Preferred stock	Preferred stockSeries C Preferred Stock	Preferred stockSeries D Preferred Stock	Additional Paid-in Capital	Additional Paid-in CapitalSeries C Preferred Stock	Additional Paid-in CapitalSeries D Preferred Stock	Accumulated Other Comprehensive Income (Loss)	Retained Earnings	Non-controlling Interest
Common stock, shares outstanding, beginning balance (in shares) at Dec. 31, 2015				105,554,331
Common stock, amount, beginning balance at Dec. 31, 2015				$ 1,056
Preferred stock, shares outstanding, beginning balance (in shares) at Dec. 31, 2015					2,365,000
Preferred stock, amount, beginning balance at Dec. 31, 2015					$ 220,000
Total stockholders' equity, amount, beginning balance at Dec. 31, 2015	$ 1,527,158							$ 900,114			$ (19,414)	$ 402,562	$ 22,840
Increase (Decrease) in Stockholders' Equity
Net income	196,374											175,706	20,668
Foreign currency translation adjustment, net of tax	1,460										1,460
Net gain (loss) on investments	30,883										29,429		1,454
Return of capital	(150)							(150)
Exchanges’ equity on March 31, 2016, date of consolidation	9,575												9,575
Issuance of stock, shares (in shares)				272,609		200,000
Issuance of stock, amount	6,058	$ 193,518		$ 2		$ 200,000		6,056
Adjustments to Additional Paid in Capital, Stock Issued, Issuance Costs									$ (6,482)
Common stock dividends	(14,821)											(14,821)
Preferred stock dividends	(24,333)											(24,333)
Common stock issued under employee stock plans and exercises of stock options, shares (in shares)				644,939
Common stock issued under employee stock plans and exercises of stock options, value	5,140			$ 6				5,134
Shares Paid for Tax Withholding for Share Based Compensation				(43,787)
Adjustments Related to Tax Withholding for Share-based Compensation	(919)							(919)
Stock-based compensation	8,221							8,221
Tax benefit from stock-based compensation	1,813							1,813
Common stock, shares outstanding, ending balance (in shares) at Dec. 31, 2016				106,428,092
Common stock, amount, ending balance at Dec. 31, 2016				$ 1,064
Preferred stock, shares outstanding, ending balance (in shares) at Dec. 31, 2016					2,565,000
Preferred stock, amount, ending balance at Dec. 31, 2016					$ 420,000
Total stockholders' equity, amount, ending balance at Dec. 31, 2016	1,917,358							913,787			11,475	539,114	31,918
Increase (Decrease) in Stockholders' Equity
Cumulative effect of new accounting principle in period of adoption	(22,619)												(22,619)
Net income	102,208											105,845	(3,637)
Foreign currency translation adjustment, net of tax	(5,490)										(5,490)
Net gain (loss) on investments	(17,218)										(14,097)		(3,121)
Change in non-controlling interest	(4,086)							(3,843)					(243)
Common stock dividends	(17,034)											(17,034)
Preferred stock dividends	(31,500)											(31,500)
Common stock issued under employee stock plans and exercises of stock options, shares (in shares)				347,809
Common stock issued under employee stock plans and exercises of stock options, value	1,259			$ 3				1,256
Shares Paid for Tax Withholding for Share Based Compensation				78,253
Adjustments Related to Tax Withholding for Share-based Compensation	(1,773)							(1,773)
Stock-based compensation	$ 8,324							8,324
Common stock, shares outstanding, ending balance (in shares) at Dec. 31, 2017	106,697,648			106,697,648
Common stock, amount, ending balance at Dec. 31, 2017				$ 1,067
Preferred stock, shares outstanding, ending balance (in shares) at Dec. 31, 2017	2,565,000				2,565,000
Preferred stock, amount, ending balance at Dec. 31, 2017					$ 420,000
Total stockholders' equity, amount, ending balance at Dec. 31, 2017	$ 1,953,425							917,751			(8,112)	597,863	24,856
Increase (Decrease) in Stockholders' Equity
Cumulative effect of new accounting principle in period of adoption	(1,377)											(1,438)	61
Net income	167,524											207,354	(39,830)
Foreign currency translation adjustment, net of tax	(6,651)										(6,651)
Net gain (loss) on investments	(42,396)										(37,403)		(4,993)
Issuance of stock, shares (in shares)				5,750,000			120
Issuance of stock, amount	132,230		$ 29,890	$ 58			$ 30,000	132,172
Adjustments to Additional Paid in Capital, Stock Issued, Issuance Costs										$ (110)
Common stock dividends	(17,463)											(17,463)
Preferred stock dividends	(32,492)											(32,492)
Common stock issued under employee stock plans and exercises of stock options, shares (in shares)				618,147
Common stock issued under employee stock plans and exercises of stock options, value	1,978			$ 4				1,974
Shares Paid for Tax Withholding for Share Based Compensation				125,200
Adjustments Related to Tax Withholding for Share-based Compensation	(3,024)							(3,024)
Stock-based compensation	$ 9,020							9,020
Common stock, shares outstanding, ending balance (in shares) at Dec. 31, 2018	112,940,595			112,940,595
Common stock, amount, ending balance at Dec. 31, 2018				$ 1,129
Preferred stock, shares outstanding, ending balance (in shares) at Dec. 31, 2018	2,565,120				2,565,120
Preferred stock, amount, ending balance at Dec. 31, 2018					$ 450,000
Total stockholders' equity, amount, ending balance at Dec. 31, 2018	$ 2,200,871							$ 1,057,783			(52,130)	764,056	(19,967)
Increase (Decrease) in Stockholders' Equity
Cumulative effect of new accounting principle in period of adoption	$ (8,830)										$ (36)	$ (8,794)	$ 0

Consolidated Statements of Cash

Consolidated Statements of Cash Flows $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)
Cash flows from operating activities:
Net income	$ 167,524	$ 102,208	$ 196,374
Adjustments to reconcile net income to cash provided by (used in) operating activities:
Net (gain) loss on investments	29,545	(46,763)	(7,904)
Bad debt expense	74,214	63,819	35,356
Depreciation, amortization and goodwill impairment	86,346	103,303	92,035
Stock-compensation expense	9,020	8,324	8,221
Deferred income taxes	10,444	24,726	(36,176)
Other, net	1,241	5,494	(32,150)
Changes in assets and liabilities:
Accrued investment income	(7,568)	5,129	(8,627)
Premiums and other receivables	(168,445)	(276,557)	(127,767)
Deferred acquisition costs	(38,713)	4,751	(83,089)
Reinsurance recoverable	(318,344)	(347,848)	(26,677)
Prepaid reinsurance premiums	(148,552)	(360,152)	(17,611)
Prepaid expenses and other assets	(17,785)	(17,543)	18,602
Unpaid loss and loss adjustment expense reserves	302,730	382,299	190,864
Unearned premiums and other revenue	265,102	328,753	97,210
Reinsurance payable	259,699	298,925	22,962
Accounts payable and accrued expenses	98,276	(82,188)	(44,773)
Other liabilities	(6,601)	120,621	41,296
Net cash provided by operating activities	598,133	317,301	318,146
Cash flows from investing activities:
Debt securities, available-for-sale	(1,802,668)	(1,927,018)	(686,095)
Debt securities, trading	0	(217,861)	(95,026)
Equity securities	(1,297)	(33,374)	(32,170)
Short-term investments	(2,919,422)	(5,728,031)	(177,628)
Other investments	(37,722)	(59,384)	(197,384)
Premises and equipment	(102,390)	(95,668)	(34,640)
Sale and maturity of debt securities, available-for-sale	1,325,024	1,844,699	672,691
Sale and maturity of debt securities, trading	0	261,225	62,104
Sale of equity securities	28,384	22,207	119,003
Sale of short-term investments	2,610,788	5,707,331	165,075
Sale and return of other investments	121,982	73,778	17,714
Acquisition of consolidated subsidiaries, net of cash	(13,453)	(19,376)	(275,685)
Net cash used in investing activities	(790,774)	(171,472)	(462,041)
Cash flows from financing activities:
Securities sold under agreements to repurchase, net	0	0	(52,484)
Securities sold but not yet purchased, net	0	0	5,013
Proceeds from debt	0	140,000	50,000
Repayments of debt and purchase of non-controlling interests	(39,000)	(172,839)	(18,150)
Issuance of common stock, net (fees $5,770 - 2018, $0 - 2017, and $0 - 2016)	132,230	0	4,942
Issuance of preferred stock, net (fees $110 - 2018, $0 - 2017, and $6,482 - 2016)	29,890	0	193,518
Issuance of common stock — employee share options	1,978	1,259	5,140
Taxes paid related to net share settlement of equity awards	(3,024)	(1,773)	(919)
Dividends paid to common shareholders	(17,111)	(17,050)	(13,773)
Dividends paid to preferred shareholders	(31,500)	(31,500)	(20,583)
Net cash provided by (used in) financing activities	73,463	(81,903)	152,704
Effect of exchange rate changes on cash and cash equivalents	(4,723)	7,658	(5,186)
Net (decrease) increase in cash, cash equivalents, and restricted cash	(123,901)	71,584	3,623
Cash, cash equivalents, and restricted cash at beginning of the year	357,484	285,900	282,277
Cash, cash equivalents, and restricted cash at end of the year	233,583	357,484	285,900
Supplemental disclosures of cash flow information:
Cash paid for income taxes	26,763	20,800	41,646
Cash paid for interest	44,884	49,498	32,679
Supplemental disclosures of non-cash investing and financing activities:
Unsettled securities purchases	2,562	2,526	20,936
Unsettled securities sales	386	29,971	12,198
Common stock issued for acquisition	0	0	1,116
Promissory note issued for acquisition	0	0	178,894
Decrease in non-controlling interest due to deconsolidation of the Exchanges	0	0	22,619
Increase in non-controlling interest due to consolidation of the Exchanges	0	0	9,575
Common stock
Dividends Payable
Dividends Payable	4,518	4,268	4,226
Preferred stock
Dividends Payable
Dividends Payable	$ 8,867	$ 7,875	$ 7,875

Consolidated Statements of Ca_2

Consolidated Statements of Cash Flows Parenthetical - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Common stock
Cost of issuance of stock	$ 5,770	$ 0	$ 0
Preferred stock
Cost of issuance of stock	$ 110	$ 0	$ 6,482

Organization

Organization	12 Months Ended
	Dec. 31, 2018
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Organization	Organization National General Holdings Corp. (the “Company” or “NGHC”) is an insurance holding company formed under the laws of the state of Delaware. The Company provides, through its wholly-owned subsidiaries, a variety of insurance products, including personal and small business automobile, homeowners, umbrella, recreational vehicle, motorcycle, lender-placed, supplemental health and other niche insurance products. The insurance is sold through a network of independent agents, relationships with affinity partners, and direct-response marketing programs and retail storefronts. The Company is licensed to operate throughout the fifty

Significant Accounting Policies

Significant Accounting Policies	12 Months Ended
	Dec. 31, 2018
Accounting Policies [Abstract]
Significant Accounting Policies	Significant Accounting Policies Basis of Presentation The accompanying consolidated financial statements of the Company have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”). The consolidated financial statements include the accounts of the Company, its wholly-owned subsidiaries and variable interest entities (“VIEs”) of which the Company is the primary beneficiary. The consolidated financial statements also include the accounts and operations of Adirondack Insurance Exchange, a New York reciprocal insurer, and New Jersey Skylands Insurance Association, a New Jersey reciprocal insurer (together with their subsidiaries, the “Reciprocal Exchanges” or “Exchanges”), VIEs of which the Company is the primary beneficiary. The Company does not own the Reciprocal Exchanges but is paid a fee to manage them. All significant intercompany transactions and accounts have been eliminated in consolidation. For the years ended December 31, 2017 and 2016 , the Company reclassified Earnings (losses) of equity method investments with related parties as a component of Net investment income in the Consolidated Statements of Income to conform to the current-year presentation. As of December 31, 2017 the Company reclassified certain amounts from Accounts payable and accrued expenses to Other liabilities in the Consolidated Balance Sheets to conform to the current-year presentation. Use of Estimates and Assumptions The preparation of financial statements in accordance 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. The Company’s principal estimates include unpaid losses and loss adjustment expense reserves; deferred acquisition costs; reinsurance recoverables, including the provision for uncollectible amounts; recording of impairment losses for other-than-temporary declines in fair value; determining the fair value of investments; determining the fair value of share-based awards for stock compensation; the valuation of intangibles and the determination of goodwill and goodwill impairment; and income taxes. In developing the estimates and assumptions, management uses all available evidence. Because of uncertainties associated with estimating the amounts, timing and likelihood of possible outcomes, actual results could differ from estimates. Significant Accounting Policies Premiums and Other Receivables The Company recognizes earned premium on a pro rata basis over the terms of the policies, generally periods of six or twelve months. Unearned premiums represent the portion of premiums written applicable to the unexpired terms of the policies. Net premiums receivable represent premiums written and not yet collected, net of an allowance for uncollectible premiums. The Company regularly evaluates premiums and other receivables and adjusts its allowance for uncollectible amounts as appropriate. Receivables specifically identified as uncollectible are charged to expense in the period the determination is made. Cash and Cash Equivalents The Company’s cash and cash equivalents include cash on hand, money market instruments and other debt instruments with a maturity of 90 days or less when purchased. Certain securities with original maturities of 90 days or less that are held as a portion of longer-term investment portfolios are classified as short-term investments. Restricted Cash and Cash Equivalents Restricted cash and cash equivalents balances relate primarily to deposits in certain states in order to conduct business and certain third-party agreements. The Company also utilizes trust accounts to collateralize business with its reinsurance counterparties. Amounts described as restricted cash and restricted cash equivalents are included with cash and cash equivalents when reconciling the beginning-of-period and end-of-period total amounts shown on the statement of cash flows. Deferred Acquisition Costs Deferred acquisition costs include commissions, premium taxes, payments to affinity partners, promotional fees, and other direct sales costs that are directly related to successful contract acquisition of insurance policies. These costs, net of ceding allowances, are deferred and amortized to the extent recoverable, over the policy period in which the related premiums are earned. Anticipated investment income is considered in the calculation of premium deficiency losses for short-duration contracts. Management believes that these costs are recoverable. Ceding Commission Revenue Commissions on reinsurance premiums ceded are earned in a manner consistent with the recognition of the costs to acquire the underlying policies on a pro-rata basis over the terms of the policies reinsured. The portion of ceding commission which represents reimbursement of acquisition costs related to the underlying policies is recorded as an offset to acquisition costs and other underwriting expenses. Commission in excess of acquisition costs is recorded as ceding commission income over the terms of the policies. Certain reinsurance agreements contain provisions whereby the ceding commission rates vary based on the loss experience of the policies covered by the agreements. The Company records ceding commission revenue based on its current estimate of losses on the reinsured policies subject to variable commission rates. The Company records adjustments to the ceding commission revenue in the period that changes in the estimated losses are determined. Loss and Loss Adjustment Expenses Loss and loss adjustment expenses (“LAE”) represent the estimated ultimate net costs of all reported and unreported losses incurred through the period end. The reserves for unpaid losses and LAE represent the accumulation of estimates for both reported losses and those incurred but not reported relating to direct insurance and assumed reinsurance agreements. Estimates for salvage and subrogation recoverables are recognized at the time losses are incurred and netted against the provision for losses. Insurance liabilities are based on estimates, and the ultimate liability may vary from such estimates. These estimates are regularly reviewed and adjustments are included in the period in which adjustments are determined. Business Combinations The Company accounts for business combinations under the acquisition method of accounting, which requires the Company to record assets acquired, liabilities assumed and any non-controlling interest in the acquiree at their respective fair values as of the acquisition date. The Company accounts for the insurance and reinsurance contracts under the acquisition method as new contracts, which requires the Company to record assets and liabilities at fair value. The Company adjusts the fair value of loss and LAE reserves by recording the acquired loss reserves based on the Company’s existing accounting policies and then discounting them based on expected reserve payout patterns using a current risk-free rate of interest. This risk-free interest rate is then adjusted based on different cash flow scenarios that use different payout and ultimate reserve assumptions deemed to be reasonably possible based upon the inherent uncertainties present in determining the amount and timing of payment of such reserves. The difference between the acquired loss and LAE reserves and the Company’s best estimate of the fair value of such reserves at the acquisition date is recorded as either an intangible asset or another liability, as applicable and is amortized proportionately to the reduction in the related loss reserves (e.g., over the estimated payout period of the acquired loss and LAE reserves). The Company assigns fair values to intangible assets acquired based on valuation techniques including the income and market approaches. The Company records contingent consideration at fair value based on the terms of the purchase agreement with subsequent changes in fair value recorded through earnings. The purchase price is the fair value of the total consideration conveyed to the seller and the Company records the excess of the purchase price over the fair value of the acquired net assets, where applicable, as goodwill. The Company expenses costs associated with the acquisition of a business in the period incurred. Goodwill and Intangible Assets The Company accounts for goodwill and intangible assets in accordance with Financial Accounting Standards Board (“FASB”), Accounting Standards of Codification (“ASC”) 350, “Intangibles - Goodwill and Other.” A purchase price paid that is in excess of net assets (“goodwill”) arising from a business combination is recorded as an asset and is not amortized. Intangible assets with a finite life are amortized over the estimated useful life of the asset. Intangible assets with an indefinite useful life are not amortized. Goodwill and intangible assets are tested for impairment on an annual basis or more frequently if changes in circumstances indicate that the carrying amount may not be recoverable. If the goodwill or intangible asset is impaired, it is written down to its realizable value with a corresponding expense reflected in General and administrative expenses in the Consolidated Statements of Income. Investments The Company accounts for its investments in accordance with ASC 320, “Investments - Debt Securities,” and certain equity investments with ASC 321, “Investments - Equity Securities.” In accordance with ASC 320, the Company has classified its debt securities as available for sale measured at fair value with unrealized gains and losses reported as a separate component of comprehensive income. Equity investments (except those accounted for under the equity method, and those that result in consolidation of the investee and certain other investments) are measured at fair value with all gains and losses reported in net income in accordance with ASC 321. The Company may sell its available-for-sale and equity securities in response to changes in interest rates, risk/reward characteristics, liquidity needs or other factors. Available-for-sale and equity securities are reported at their estimated fair values based on quoted market prices or recognized pricing services. Purchases and sales of investments are recorded on a trade date basis. Realized gains and losses are determined based on the specific identification method. Net investment income is recognized when earned and includes interest and dividend income together with amortization of market premiums and discounts using the effective yield method and is net of investment management fees and other expenses. For mortgage-backed securities and any other holdings for which there is a prepayment risk, prepayment assumptions are evaluated and revised as necessary. Any adjustments required due to the change in effective yields and maturities are recognized on a prospective basis through yield adjustments. Quarterly, the Company evaluates each security that has an unrealized loss as of the end of the subject reporting period for other-than-temporary-impairment (“OTTI”). The Company generally considers an investment to be impaired when it has been in a significant unrealized loss position for over 12 months. In addition, the Company uses a set of quantitative and qualitative criteria to review the investment portfolio to evaluate the necessity of recording impairment losses for other-than-temporary declines in the fair value of the Company’s investments. The criteria the Company primarily considers include: • the current fair value compared to amortized cost; • the length of time the security’s fair value has been below its amortized cost; • specific credit issues related to the issuer such as changes in credit rating or non-payment of scheduled interest payments; • whether management intends to sell the security and, if not, whether it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis; • the financial condition and near-term prospects of the issuer of the security, including any specific events that may affect its operations or earnings; • the occurrence of a discrete credit event resulting in the issuer defaulting on a material outstanding obligation or the issuer seeking protection under bankruptcy laws; and • other items, including management, media exposure, sponsors, marketing and advertising agreements, debt restructurings, regulatory changes, acquisitions and dispositions, pending litigation, distribution agreements and general industry trends. Impairment of investment securities results in a charge to operations when a market decline below cost is deemed to be other-than-temporary. The Company immediately writes down investments that it considers to be impaired based on the above criteria collectively. Based on guidance in ASC 320-10-35, in the event of the decline in fair value of a debt security, a holder of that security that does not intend to sell the debt security and for whom it is more likely than not that such holder will be required to sell the debt security before recovery of its amortized cost basis is required to separate the decline in fair value into (a) the amount representing the credit loss and (b) the amount related to other factors. The amount of total decline in fair value related to the credit loss shall be recognized in earnings as an OTTI with the amount related to other factors recognized in accumulated other comprehensive income or loss, net of tax. OTTI credit losses result in a permanent reduction of the cost basis of the underlying investment. The determination of OTTI is a subjective process, and different judgments and assumptions could affect the timing of the loss realization. As of December 31, 2018 and 2017 , the Company had the following major types of investments: (i) Debt securities are classified as available-for-sale and are carried at fair value. Gains or losses on available-for-sale securities are reported as a component of accumulated other comprehensive income. (ii) Mortgage and structured securities are carried at fair value. The Company recognizes income using the retrospective adjustment method based on prepayments and the estimated economic lives of the securities. The effective yield reflects actual payments to date plus anticipated future payments. These investments are recorded as Debt securities, available-for-sale in the Consolidated Balance Sheets. (iii) Equity securities consisted of common stock and non-redeemable preferred stock and are carried at fair value. Gains or losses on equity securities are reported within net gains and losses on investments. (iv) Short-term investments are carried at amortized cost, which approximates fair value, and includes investments with maturities between 91 days and less than one year at the date of acquisition. Income from short-term investments is reported within net investment income. (v) Other investments consisted of equity method investments, in which the company has the power to influence the operating or financial decisions but does not require consolidation; notes receivable; long-term certificates of deposits; and other investments carried at fair value and at cost or amortized cost. Income from other investments is reported within net investment income. Fair Value of Financial Instruments The Company’s estimates of fair value for financial assets and financial liabilities are based on the framework established in ASC 820, “Fair Value Measurements and Disclosures.” The framework is based on the inputs used in valuation and gives the highest priority to quoted prices in active markets and requires that observable inputs be used in the valuations when available. The disclosure of fair value estimates in the ASC 820 hierarchy is based on whether the significant inputs into the valuation are observable. In determining the level of the hierarchy in which the estimate is disclosed, the highest priority is given to unadjusted quoted prices in active markets and the lowest priority to unobservable inputs that reflect the Company’s significant market assumptions. Additionally, valuation of debt securities investments is more subjective when markets are less liquid due to lack of market-based inputs, which may increase the potential that the estimated fair value of an investment is not reflective of the price at which an actual transaction could occur. Fair values of other financial instruments which are short-term in nature approximate their carrying values. ASC 820 defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. ASC 820 clarifies that fair value should be based on the assumptions market participants would use when pricing an asset or liability and establishes a fair value hierarchy that prioritizes the information used to develop those assumptions. Additionally, ASC 820 requires an entity to consider all aspects of nonperformance risk, including the entity’s own credit standing, when measuring the fair value of a liability. ASC 820 establishes a three-level hierarchy to be used when measuring and disclosing fair value. An instrument’s categorization within the fair value hierarchy is based on the lowest level of significant input to its valuation. Following is a description of the three hierarchy levels: Level 1 - Inputs are quoted prices in active markets for identical assets or liabilities as of the measurement date. Additionally, the entity must have the ability to access the active market and the quoted prices cannot be adjusted by the entity. Level 2 - Inputs are other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. Level 2 inputs include quoted prices in active markets for similar assets or liabilities; quoted prices in inactive markets for identical or similar assets or liabilities; or inputs that are observable or can be corroborated by observable market data by correlation or other means for substantially the full term of the assets or liabilities. Level 3 - Unobservable inputs are supported by little or no market activity. The unobservable inputs represent management’s best assumptions of how market participants would price the assets or liabilities. Generally, Level 3 assets and liabilities are valued using pricing models, discounted cash flow methodologies, or similar techniques that require significant judgment or estimation. Equity Method Investments The Company uses the equity method of accounting for investments in which its ownership interest enables the Company to influence operating or financial decisions of the investee, but the Company’s interest does not require consolidation. In applying the equity method, the Company records its investment at cost, and subsequently increases or decreases the carrying amount of the investment by its proportionate share of the net earnings or losses and other comprehensive income of the investee. Any dividends or distributions received are recorded as a decrease in the carrying value of the investment. The Company’s proportionate share of net income is reported in net investment income. Stock Compensation Expense The Company recognizes shared-based employee compensation expense including stock options and restricted stock units (“RSUs”), to be measured based on the grant date fair value of the awards, with the resulting expense recognized on a straight-line basis over the period during which the employee is required to perform service in exchange for the award. The majority of the Company’s awards are earned over a service period of three or four years. Earnings Per Share Basic earnings per share are computed by dividing income available to common stockholders by the number of weighted average common shares outstanding. Dilutive earnings per share are computed by dividing income available to common stockholders, adjusted for the effects of the presumed issuance of potential common shares, by the number of weighted average common shares outstanding, plus potentially issuable shares, such as options, unvested share-based payment awards and convertible securities. Impairment of Long-lived Assets The carrying value of long-lived assets is evaluated for impairment whenever events or changes in circumstances indicate that the carrying value of an asset may not be recoverable from the estimated undiscounted future cash flows expected to result from its use and eventual disposition. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to future net undiscounted cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment is measured as the amount by which the carrying amount of the assets exceeds the fair value as estimated by discounted cash flows. Income Taxes The Company joins its subsidiaries in the filing of a consolidated Federal income tax return and is party to Federal income tax allocation agreements. Under the tax allocation agreements, the Company pays to or receives from its subsidiaries the amount, if any, by which the group’s Federal income tax liability was affected by virtue of inclusion of the subsidiary in the consolidated Federal return. The Reciprocal Exchanges are not party to the tax allocation agreements and file separate tax returns. Deferred income taxes reflect the impact of temporary differences between the amounts of assets and liabilities for financial reporting purposes and such amounts as measured by tax laws and regulations. The deferred tax asset and liability primarily consists of book versus tax differences for earned premiums, loss and LAE reserve discounting, deferred acquisition costs, earned but unbilled premiums, and unrealized holding gains and losses on debt securities. Changes in deferred income tax assets and liabilities that are associated with components of other comprehensive income, primarily unrealized investment gains and losses, are recorded directly to other comprehensive income. Otherwise, changes in deferred income tax assets and liabilities are included as a component of income tax expense. In assessing the recoverability of deferred tax assets, management considers whether it is more likely than not that the Company will generate future taxable income during the periods in which those temporary differences become deductible. The Company considers the scheduled reversal of deferred tax liabilities, tax planning strategies and projected future taxable income in making this assessment. If necessary, the Company establishes a valuation allowance to reduce the deferred tax assets to the amounts more likely than not to be realized. The Company recognizes tax benefits for tax positions that are more likely than not to be sustained upon examination by taxing authorities. The Company’s policy is to prospectively classify accrued interest and penalties related to any unrecognized tax benefits in its income tax provision. Reinsurance The Company cedes insurance risk under various reinsurance agreements. The Company seeks to reduce the loss that may arise from catastrophes or other events that cause unfavorable underwriting results by reinsuring certain levels of risk with other insurance enterprises. The Company remains liable with respect to any insurance ceded if the assuming companies are unable to meet their obligations under these reinsurance agreements. Reinsurance premiums, losses and LAE ceded to other companies are accounted for on a basis consistent with those used in accounting for the original policies issued and the terms of the reinsurance contracts. Earned premiums and losses and LAE incurred ceded to other companies have been recorded as a reduction of premium revenue and losses and LAE. Commissions allowed by reinsurers on business ceded have been recorded as ceding commission revenue to the extent the ceding commission exceeds acquisition costs. Reinsurance recoverables are reported based on the portion of reserves and paid losses and LAE that are ceded to other companies. If the Company determines that a reinsurance contract does not transfer sufficient risk, it accounts for the contract under deposit accounting. Premises and Equipment Premises and equipment are recorded at cost. Maintenance and repairs are charged to operations as incurred. Depreciation is computed on a straight-line basis over the estimated useful lives of the assets, as follows: Buildings and improvements 30 years Leasehold improvements Remaining lease term Other equipment 3 to 20 years Hardware and software 3 to 10 years The Company capitalizes costs of computer software developed or obtained for internal use that is specifically identifiable, has determinable lives and relates to future use. Variable Interest Entities A VIE is a legal entity that does not have sufficient equity at risk to finance its activities without additional subordinated financial support or is structured such that equity investors lack the ability to make significant decisions relating to the entity’s operations through voting rights or do not substantively participate in the gains and losses of the entity. The Company’s consolidation principles require the inclusion of VIEs in which the Company is deemed the primary beneficiary. The primary beneficiary is the entity that has both (1) the power to direct the activities of the VIE that most significantly affect that entity’s economic performance and (2) the obligation to absorb losses or the right to receive benefits that could be potentially significant to the VIE. The Company consolidates the Reciprocal Exchanges as it has determined that these are VIEs of which the Company is the primary beneficiary. The Company manages the business operations of the Reciprocal Exchanges and has the ability to direct their activities. The Company receives a management fee for the services provided to the Reciprocal Exchanges. The Reciprocal Exchanges are insurance carriers organized as unincorporated associations. In the event of dissolution, policyholders would share any residual unassigned surplus in the same proportion as the amount of insurance purchased but are not subject to assessment for any deficit in unassigned surplus of the Reciprocal Exchanges. The assets of the Reciprocal Exchanges can be used only to settle the obligations of the Reciprocal Exchanges and general creditors to their liabilities have no recourse to the Company as primary beneficiary. The Company has no ownership interest in the Reciprocal Exchanges. The results of operations of the Reciprocal Exchanges and the management companies are included in the Company’s Property and Casualty (“P&C”) segment. Non-controlling Interest Non-redeemable non-controlling interest is the portion of equity (net assets) not attributable, directly or indirectly, to a parent. The Company has no ownership interest in the Reciprocal Exchanges. Therefore, the difference between the value of their assets and liabilities represent the value of the non-controlling interest. Concentration of Credit Risk Financial instruments that potentially subject the Company to concentration of credit risk are primarily cash and cash equivalents, investments and premiums and other receivables. Investments are diversified through many industries and geographic regions through the use of an investment manager who employs different investment strategies. The Company limits the amount of credit exposure with any one financial institution and believes that no significant concentration of credit risk exists with respect to cash and investments. At December 31, 2018 and 2017 , the outstanding premiums and other receivables balance was generally diversified due to the Company’s diversified customer base. To reduce credit risk, the Company performs ongoing evaluations for uncollectible amounts. The Company also has receivables from its reinsurers, see Note 10 , “ Reinsurance ” for additional information about concentration of credit risk. Failure of reinsurers to honor their obligations could result in losses to the Company. The Company periodically evaluates the financial condition of its reinsurers to minimize its exposure to significant losses from reinsurer insolvencies. It is the policy of management to review all outstanding receivables at period end as well as the bad debt write-offs experienced in the past and establish an allowance for uncollectible accounts, if deemed necessary. Foreign Currency Remeasurement and Translation Financial statement accounts in currencies other than an operation's functional currency are remeasured into the functional currency and the resulting foreign exchange gains and losses are reflected in Net gains (losses) on investments. Functional currency assets and liabilities expressed in foreign currencies are translated into U.S. dollars using period end exchange rates. The related translation adjustments are recorded as a separate component of Accumulated Other Comprehensive Income (“AOCI”), net of any related taxes. Income statement amounts expressed in functional currencies are translated using average exchange rates. Service and Fee Income The Company currently generates policy service and fee income from installment fees, late payment fees, and other finance and processing fees related to policy cancellation, policy reinstatement and insufficient funds check returns. These fees are generally designed to offset expenses incurred in the administration of the Company’s insurance business, and are generated as follows. Installment fees are charged to permit a policyholder to pay premiums in installments rather than in a lump sum. Late payment fees are charged when premiums are remitted after the due date and any applicable grace periods. Policy cancellation fees are charged to policyholders when a policy is terminated by the policyholder prior to the expiration of the policy’s term or renewal term, as applicable. Reinstatement fees are charged to reinstate a policy that has lapsed, generally as a result of non-payment of premiums. Insufficient fund fees are charged when the customer’s payment is returned by the financial institution. All fee income is recognized as follows. An installment fee is recognized at the time each policy installment bill is due. A late payment fee is recognized when the customer’s payment is not received after the listed due date and any applicable grace period. A policy cancellation fee is recognized at the time the customer’s policy is canceled. A policy reinstatement fee is recognized when the customer’s policy is reinstated. An insufficient fund fee is recognized when the customer’s payment is returned by the financial institution. The amounts charged are primarily intended to compensate the Company for the administrative costs associated with processing and administering policies that generate insurance premium; however, the amounts of fees charged are not dependent on the amount or period of insurance coverage provided and do not entail any obligation to return any portion of those funds. The direct and indirect costs associated with generating fee income are not separately tracked. The Company estimates an allowance for doubtful accounts based on a percentage of fee income. The Company also collects service fees in the form of commission and general agent fees by selling policies issued by third-party insurance companies. The Company does not bear insurance underwriting risk with respect to these policies. Commission income and general agent fees are recognized, net of an allowance for estimated policy cancellations, at the time when the policy is sold. The allowance for estimated third-party cancellations is periodically evaluated and adjusted as necessary. On January 1, 2018, the Company adopted ASU 2014-09, “Revenue from Contracts with Customers” and all the related amendments (“ASC 606”) using the modified retrospective method. The adoption of this new standard impacted the Company’s consolidated financial statements, specifically the Accident and Health (“A&H”) commission revenues. Under ASC 606, the Company recognizes Medicare-related and other accident and health commission revenues equal to the estimated life-time value of a policy at the time when the policy is sold, as opposed to its past treatment of recognizing revenue initially billed

Investments

Investments	12 Months Ended
	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Investments	Investments (a) Available-For-Sale Debt Securities The amortized cost, gross unrealized gains and losses, and fair value of available-for-sale debt securities were as follows: December 31, 2018 Amortized Cost Gross Gross Fair Value U.S. Treasury $ 64,829 $ 1,026 $ (262 ) $ 65,593 Federal agencies 37,842 22 (389 ) 37,475 States and political subdivision bonds 274,367 1,369 (3,539 ) 272,197 Foreign government 151,443 993 (70 ) 152,366 Corporate bonds 1,283,061 3,094 (25,450 ) 1,260,705 Residential mortgage-backed securities 944,365 716 (19,965 ) 925,116 Commercial mortgage-backed securities 548,192 3,757 (6,974 ) 544,975 Asset-backed securities 60,563 705 (121 ) 61,147 Structured securities 249,947 99 (8,588 ) 241,458 Total $ 3,614,609 $ 11,781 $ (65,358 ) $ 3,561,032 NGHC $ 3,311,639 $ 11,206 $ (58,896 ) $ 3,263,949 Reciprocal Exchanges 302,970 575 (6,462 ) 297,083 Total $ 3,614,609 $ 11,781 $ (65,358 ) $ 3,561,032 December 31, 2017 Amortized Cost Gross Gross Fair Value U.S. Treasury $ 36,236 $ 987 $ (230 ) $ 36,993 Federal agencies 20,711 5 (27 ) 20,689 States and political subdivision bonds 418,557 4,431 (3,907 ) 419,081 Foreign government 55,575 2,736 (57 ) 58,254 Corporate bonds 1,053,777 14,809 (7,697 ) 1,060,889 Residential mortgage-backed securities 1,020,481 211 (15,953 ) 1,004,739 Commercial mortgage-backed securities 143,519 2,340 (1,816 ) 144,043 Asset-backed securities 421 — (7 ) 414 Structured securities 390,514 4,959 (686 ) 394,787 Total $ 3,139,791 $ 30,478 $ (30,380 ) $ 3,139,889 NGHC $ 2,835,293 $ 27,117 $ (27,455 ) $ 2,834,955 Reciprocal Exchanges 304,498 3,361 (2,925 ) 304,934 Total $ 3,139,791 $ 30,478 $ (30,380 ) $ 3,139,889 As of December 31, 2018 and 2017 , the Company had no OTTI in AOCI related to available-for-sale debt securities. The amortized cost and fair value of available-for-sale debt securities held as of December 31, 2018 , by contractual maturity, are shown in the table below. Actual maturities may differ from contractual maturities because some borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. NGHC Reciprocal Exchanges Total December 31, 2018 Amortized Fair Amortized Fair Amortized Fair Due in one year or less $ 38,446 $ 38,277 $ 475 $ 474 $ 38,921 $ 38,751 Due after one year through five years 743,915 735,967 148,074 144,666 891,989 880,633 Due after five years through ten years 795,043 783,409 55,397 54,039 850,440 837,448 Due after ten years 268,387 261,350 11,752 11,612 280,139 272,962 Mortgage-backed securities 1,465,848 1,444,946 87,272 86,292 1,553,120 1,531,238 Total $ 3,311,639 $ 3,263,949 $ 302,970 $ 297,083 $ 3,614,609 $ 3,561,032 (b) Gross Unrealized Losses The tables below summarize the gross unrealized losses on debt securities classified as available for sale, by length of time the security has continuously been in an unrealized loss position. Less Than 12 Months 12 Months or More Total December 31, 2018 Fair Unrealized Fair Unrealized Fair Unrealized U.S. Treasury $ 474 $ (2 ) $ 21,540 $ (260 ) $ 22,014 $ (262 ) Federal agencies 23,729 (351 ) 1,493 (38 ) 25,222 (389 ) States and political subdivision bonds 57,090 (902 ) 119,759 (2,637 ) 176,849 (3,539 ) Foreign government 45,748 (70 ) — — 45,748 (70 ) Corporate bonds 586,359 (12,891 ) 321,115 (12,559 ) 907,474 (25,450 ) Residential mortgage-backed securities 234,396 (1,637 ) 551,623 (18,328 ) 786,019 (19,965 ) Commercial mortgage-backed securities 13,229 (239 ) 148,700 (6,735 ) 161,929 (6,974 ) Asset-backed securities 25,978 (78 ) 1,494 (43 ) 27,472 (121 ) Structured securities 222,154 (8,136 ) 6,167 (452 ) 228,321 (8,588 ) Total $ 1,209,157 $ (24,306 ) $ 1,171,891 $ (41,052 ) $ 2,381,048 $ (65,358 ) NGHC $ 1,115,823 $ (22,668 ) $ 1,018,975 $ (36,228 ) $ 2,134,798 $ (58,896 ) Reciprocal Exchanges 93,334 (1,638 ) 152,916 (4,824 ) 246,250 (6,462 ) Total $ 1,209,157 $ (24,306 ) $ 1,171,891 $ (41,052 ) $ 2,381,048 $ (65,358 ) Less Than 12 Months 12 Months or More Total December 31, 2017 Fair Unrealized Fair Unrealized Fair Unrealized U.S. Treasury $ 21,567 $ (131 ) $ 10,555 $ (99 ) $ 32,122 $ (230 ) Federal agencies 10,069 (11 ) 615 (16 ) 10,684 (27 ) States and political subdivision bonds 145,396 (1,851 ) 86,894 (2,056 ) 232,290 (3,907 ) Foreign government — — 2,443 (57 ) 2,443 (57 ) Corporate bonds 402,236 (4,564 ) 110,207 (3,133 ) 512,443 (7,697 ) Residential mortgage-backed securities 886,032 (13,476 ) 89,412 (2,477 ) 975,444 (15,953 ) Commercial mortgage-backed securities 50,537 (727 ) 27,072 (1,089 ) 77,609 (1,816 ) Asset-backed securities — — 414 (7 ) 414 (7 ) Structured securities 73,561 (631 ) 3,727 (55 ) 77,288 (686 ) Total $ 1,589,398 $ (21,391 ) $ 331,339 $ (8,989 ) $ 1,920,737 $ (30,380 ) NGHC $ 1,408,081 $ (19,254 ) $ 300,732 $ (8,201 ) $ 1,708,813 $ (27,455 ) Reciprocal Exchanges 181,317 (2,137 ) 30,607 (788 ) 211,924 (2,925 ) Total $ 1,589,398 $ (21,391 ) $ 331,339 $ (8,989 ) $ 1,920,737 $ (30,380 ) There were 1,662 and 1,014 individual security lots at December 31, 2018 and 2017 , respectively, that accounted for the gross unrealized loss, none of which are deemed by the Company to be other-than-temporary impairments. As of December 31, 2018 and 2017 , of the $41,052 and $8,989 , respectively, of unrealized losses in unrealized loss positions for a period of twelve or more consecutive months, none of those securities were greater than or equal to 25% of its amortized cost. The Company reviewed its debt securities at December 31, 2018 and determined that no additional OTTI existed in the gross unrealized holding losses. Significant factors influencing the Company’s determination that none of these securities were OTTI included the length of time and/or magnitude of unrealized losses in relation to cost, the nature of the investment, the current financial condition of the issuer and its future prospects, the ability to recover to cost in the near term, and management’s intent not to sell these securities and it being more likely than not that the Company will not be required to sell these investments before anticipated recovery of fair value to the Company’s cost basis. The Company regularly monitors its investments that have fair values less than cost or amortized cost for indicators of OTTI, an assessment that requires significant management judgment regarding the evidence known. Such judgments could change in the future as more information becomes known, which could negatively impact the amounts reported. Among the factors that management considers for debt securities are the financial condition of the issuer including receipt of scheduled principal and interest cash flows, and intent to sell, including if it is more likely than not that the Company will be required to sell the investments before recovery. When a debt security has been determined to have an other-than-temporary impairment and the Company does not have the intention to sell, the impairment charge is separated into an amount representing the credit loss, which is recognized in earnings as a realized loss, and the amount related to non-credit factors, which is recognized in AOCI. Future increases or decreases in fair value, if not other-than-temporary, are included in AOCI. For the years ended December 31, 2018 , 2017 and 2016 , the Company did not recognize any impairment charges due to non-credit factors. The Company considers different factors to determine the amount of projected future cash flows and discounting methods for corporate bonds and residential and commercial mortgage-backed or structured securities. For corporate bond securities, the split between the credit and non-credit losses is driven principally by assumptions regarding the amount and timing of projected future cash flows. The net present value is calculated by discounting the Company’s best estimate of projected future cash flows at the effective interest rate implicit in the security at the date of acquisition. For residential and commercial mortgage-backed and structured securities, cash flow estimates, including prepayment assumptions, are based on data from widely accepted third-party data sources or internal estimates. In addition to prepayment assumptions, cash flow estimates vary based on assumptions regarding the underlying collateral including default rates, recoveries and changes in value. The net present value is calculated by discounting the Company’s best estimate of projected future cash flows at the effective interest rate implicit in the debt security prior to impairment at the balance sheet date. The discounted cash flows become the new amortized cost basis of the debt security. (c) Equity Securities The fair values of equity securities were as follows: December 31, 2018 2017 Common stock $ 10,949 $ 48,119 Preferred stock — 2,222 Total $ 10,949 $ 50,341 NGHC $ 10,949 $ 50,341 Reciprocal Exchanges — — Total $ 10,949 $ 50,341 (d) Investment Income The components of net investment income consisted of the following: Year Ended December 31, 2018 2017 2016 Cash and short-term investments $ 1,659 $ 1,506 $ 418 Debt securities 107,077 106,002 96,755 Equity securities 665 345 1,901 Other, net (related parties - $4,876, $(4,141) and $23,194 in 2018, 2017 and 2016, respectively) 13,932 2,289 28,496 Investment income 123,333 110,142 127,570 Investment expenses (4,299 ) (8,192 ) (12,383 ) Net investment income $ 119,034 $ 101,950 $ 115,187 NGHC $ 110,159 $ 92,625 $ 106,471 Reciprocal Exchanges 8,875 9,325 8,716 Net investment income $ 119,034 $ 101,950 $ 115,187 (e) Net Realized Gains (Losses) The table below indicates realized gains and losses on investments, including OTTI and foreign exchange. Purchases and sales of investments are recorded on a trade date basis. Realized gains and losses are determined based on the specific identification method. Year Ended December 31, 2018 2017 2016 Debt securities, available-for-sale: Gross gains $ 4,590 $ 58,405 $ 34,577 Gross losses (22,860 ) (3,754 ) (10,090 ) Net realized gain (loss) on debt securities, available-for-sale (18,270 ) 54,651 24,487 Debt securities, trading — (1,887 ) 11,858 Equity securities (12,305 ) (9,562 ) (8,489 ) Short-term and other investments (288 ) 261 112 OTTI on investments (3,000 ) (25 ) (22,102 ) Foreign currency transaction 4,318 3,325 2,038 Net realized gain (loss) on investments $ (29,545 ) $ 46,763 $ 7,904 NGHC $ (26,179 ) $ 40,640 $ 7,389 Reciprocal Exchanges (3,366 ) 6,123 515 Net realized gain (loss) on investments $ (29,545 ) $ 46,763 $ 7,904 Impairment charges included in net realized gains and losses were as follows: Year Ended December 31, 2018 2017 2016 Debt securities - Corporate bonds $ — $ — $ 7,238 Equity securities - Common stock — 25 14,864 Other invested assets 3,000 — — Total OTTI loss recognized in earnings $ 3,000 $ 25 $ 22,102 NGHC $ 3,000 $ 25 $ 22,102 Reciprocal Exchanges — — — Total OTTI loss recognized in earnings $ 3,000 $ 25 $ 22,102 Net gains and losses recognized during the reporting period on equity securities and debt securities classified as trading still held at the reporting date were as follows: Year Ended December 31, 2018 2017 2016 Equity Securities Equity Securities and Debt Securities Equity Securities and Debt Securities Net gains (losses) recognized during the year $ (12,305 ) $ (20,096 ) $ 16,096 Less: Net gains (losses) recognized during the year on securities sold during the year (864 ) (11,851 ) 4,221 Net gains (losses) recognized during the reporting period on securities still held at the reporting date $ (11,441 ) $ (8,245 ) $ 11,875 (f) Credit Quality of Investments The tables below summarize the credit quality of debt securities and preferred stock securities, as rated by Standard & Poor’s (“S&P”). If a security is not rated by S&P, an S&P equivalent is determined based on ratings from similar rating agencies. Securities that are not rated are included in the “BB+ and lower” category. NGHC Reciprocal Exchanges December 31, 2018 Amortized Cost Fair Value Percentage Amortized Cost Fair Value Percentage U.S. Treasury $ 52,122 $ 52,759 1.6 % $ 12,707 $ 12,834 4.3 % AAA 586,639 589,078 18.0 % 18,335 18,109 6.1 % AA, AA+, AA- 1,385,709 1,358,528 41.6 % 142,525 140,114 47.2 % A, A+, A- 591,219 581,106 17.8 % 118,535 115,618 38.9 % BBB, BBB+, BBB- 653,645 641,554 19.7 % 10,834 10,374 3.5 % BB+ and lower 42,305 40,924 1.3 % 34 34 — % Total $ 3,311,639 $ 3,263,949 100.0 % $ 302,970 $ 297,083 100.0 % NGHC Reciprocal Exchanges December 31, 2017 Amortized Cost Fair Value Percentage Amortized Cost Fair Value Percentage U.S. Treasury $ 30,244 $ 31,026 1.1 % $ 5,992 $ 5,967 2.0 % AAA 255,132 259,506 9.1 % 29,540 28,961 9.5 % AA, AA+, AA- 1,399,287 1,382,191 48.7 % 133,250 133,316 43.7 % A, A+, A- 531,185 534,298 18.8 % 135,682 136,657 44.8 % BBB, BBB+, BBB- 574,456 581,406 20.5 % — — — % BB+ and lower 47,542 48,759 1.8 % 34 33 — % Total $ 2,837,846 $ 2,837,186 100.0 % $ 304,498 $ 304,934 100.0 % The tables below summarize the investment quality of the corporate bond holdings and industry concentrations. December 31, 2018 AAA AA+, A+,A,A- BBB+, BB+ or Fair % of Financial Institutions — % 4.3 % 23.1 % 14.2 % 0.9 % $ 535,373 42.5 % Industrials 0.4 % 6.1 % 21.5 % 26.7 % 0.6 % 697,324 55.3 % Utilities/Other — % — % 1.8 % 0.4 % — % 28,008 2.2 % Total 0.4 % 10.4 % 46.4 % 41.3 % 1.5 % $ 1,260,705 100.0 % NGHC — % 6.3 % 37.3 % 40.6 % 1.4 % $ 1,079,099 85.6 % Reciprocal Exchanges 0.4 % 4.1 % 9.1 % 0.7 % 0.1 % 181,606 14.4 % Total 0.4 % 10.4 % 46.4 % 41.3 % 1.5 % $ 1,260,705 100.0 % December 31, 2017 AAA AA+, A+,A,A- BBB+, BB+ or Fair % of Financial Institutions 2.9 % 7.8 % 31.7 % 11.9 % — % $ 575,746 54.3 % Industrials 0.7 % 3.0 % 16.9 % 21.8 % 0.5 % 454,764 42.9 % Utilities/Other — % — % 1.3 % 1.5 % — % 30,388 2.8 % Total 3.6 % 10.8 % 49.9 % 35.2 % 0.5 % $ 1,060,898 100.0 % NGHC 2.9 % 3.4 % 37.1 % 35.2 % 0.5 % $ 839,615 79.1 % Reciprocal Exchanges 0.7 % 7.4 % 12.8 % — % — % 221,283 20.9 % Total 3.6 % 10.8 % 49.9 % 35.2 % 0.5 % $ 1,060,898 100.0 % (g) Cash and Cash Equivalents, Restricted Cash and Restricted Investments The Company, in order to conduct business in certain states, is required to maintain letters of credit or assets on deposit to support state mandated regulatory requirements and certain third-party agreements. The Company also utilizes trust accounts to collateralize business with its reinsurance counterparties. These assets are held primarily in the form of cash or certain high grade securities. Cash, cash equivalents, and restricted cash are as follows: December 31, 2018 2017 Cash and cash equivalents $ 193,858 $ 292,282 Restricted cash and cash equivalents 39,725 65,202 Total cash, cash equivalents and restricted cash $ 233,583 $ 357,484 Restricted investments are as follows: December 31, 2018 2017 Securities on deposit with state regulatory authorities $ 73,119 $ 76,996 Restricted investments to trusts in certain reinsurance transactions 70,470 110,314 Total restricted investments $ 143,589 $ 187,310 (h) Short-term and Other Investments Short-term investments include investments with maturities between 91 days and less than one year at the date of acquisition. Short-term investments also consist of commercial paper, U.S. Treasury bills and money market funds that are held within our longer term investment portfolios. The table below summarizes the composition of other investments: December 31, 2018 2017 Equity method investments (related parties - $106,031 and $221,375) $ 142,921 $ 256,321 Notes receivable (related parties - $127,692 and $126,173) 128,893 126,173 Long-term Certificates of Deposit (CDs), at cost 20,252 20,339 Investments, at fair value 6,542 10,791 Investments, at cost or amortized cost 7,668 7,668 Total $ 306,276 $ 421,292 Equity method investments represent limited liability companies and limited partnership investments in real estate. Investments at fair value primarily represent the Company’s right to receive the excess servicing spread related to servicing rights, for which the Company has elected the fair value option with changes in fair value recorded in earnings. Investments at cost or amortized cost represent limited partnerships, loans and trusts. The Company believes its exposure to risk associated with these investments is generally limited to the investment carrying amounts. The Company’s other investments are assessed for impairment whenever events or changes in circumstances indicate that the carrying amount of the investment might not be recoverable. During the years ended December 31, 2018 , 2017 and 2016 , the Company recorded OTTI on other investments of $3,000 , $0 and $0 , respectively. Equity Method Investments - Related Parties The significant shareholder of the Company has an ownership interest in AmTrust Financial Services, Inc. (“AmTrust”) and ACP Re Ltd. (“ACP Re”). Limited Liability Companies and Limited Partnerships The following entities are considered by the Company to be VIEs, for which the Company is not the primary beneficiary. The Company accounts for these entities using the equity method of accounting. The Company believes its exposure to risk associated with these investments is generally limited to the investment carrying amounts. LSC Entity The Company has a 50% ownership interest in an entity (the “LSC Entity”) initially formed to acquire life settlement contracts, with AmTrust owning the remaining 50% . The LSC Entity used the contributed capital to pay premiums and purchase policies. A life settlement contract is a contract between the owner of a life insurance policy and a third party who obtains the ownership and beneficiary rights of the underlying life insurance policy. In 2017, the LSC Entity contributed 136 life settlement contracts to a limited partnership managed and operated by an unrelated third party. The consideration for the transaction included $217,831 in cash (including an advance of $39,724 on future payments from the limited partnership) and the right to receive certain contingent earn-out payments. As of December 31, 2018 and 2017 , the LSC Entity in which the Company has a 50% ownership interest has a 30% non-controlling equity interest in the limited partnership and the carrying value of the LSC Entity’s investment in the limited partnership was $86,141 and $68,085 , respectively. As of December 31, 2018 , the LSC Entity directly held one life settlement contract. The life settlement contract is accounted for using the fair value method. The following table presents the Company’s 50% investment activity in the LSC Entity: Year Ended December 31, 2018 2017 2016 Beginning of the year $ 160,683 $ 185,992 $ 153,661 Distributions (118,635 ) (45,127 ) — Contributions 2,000 21,040 11,500 Equity in earnings (losses) 4,276 (1,222 ) 20,831 Change in equity method investments (112,359 ) (25,309 ) 32,331 End of the year $ 48,324 $ 160,683 $ 185,992 800 Superior, LLC The Company holds an investment in 800 Superior, LLC, a limited liability company that owns an office building in Cleveland, Ohio, with AmTrust. AmTrust has been appointed managing member of 800 Superior, LLC. The Company and AmTrust each have a 50% ownership interest in 800 Superior, LLC. Additionally, the Company entered into an office lease with 800 Superior, LLC. The Company paid 800 Superior, LLC $2,889 , $2,812 and $2,733 in rent for the years ended December 31, 2018 , 2017 and 2016 , respectively. The Company’s equity interest in 800 Superior, LLC as of December 31, 2018 and 2017 was $816 and $1,405 , respectively. For the years ended December 31, 2018 , 2017 and 2016 , the Company recorded equity in earnings (losses) from 800 Superior, LLC of $(589) , $(74) and $(241) , respectively. East Ninth & Superior, LLC The Company holds an investment in East Ninth & Superior, LLC and 800 Superior NMTC Investment Fund II, LLC with AmTrust (collectively “East Ninth & Superior”). The Company and AmTrust each have a 50% ownership interest in East Ninth and Superior, LLC and a 24.5% ownership interest in 800 Superior NMTC Investment Fund II, LLC. The Company’s equity interest in East Ninth & Superior as of December 31, 2018 and 2017 was $4,309 and $4,251 , respectively. For the years ended December 31, 2018 , 2017 and 2016 , the Company recorded equity in earnings (losses) from East Ninth & Superior of $58 , $62 and $50 , respectively. North Dearborn Building Company, L.P. The Company holds an investment in North Dearborn Building Company, L.P. (“North Dearborn”), a limited partnership that owns an office building in Chicago, Illinois. AmTrust is also a limited partner in North Dearborn, and the general partner is NA Advisors GP LLC (“NA Advisors”), a related party, owned by Karfunkel family members which is managed by an unrelated third party. The Company and AmTrust each hold a 45% limited partnership interest in North Dearborn, while NA Advisors holds a 10% general partnership interest and a 10% profit interest, which NA Advisors pays to the unrelated third-party manager. North Dearborn appointed NA Advisors as the general manager to oversee the day-to-day operations of the office building. The Company’s equity interest in North Dearborn as of December 31, 2018 and 2017 was $6,214 and $7,582 , respectively. For the years ended December 31, 2018 , 2017 and 2016 , the Company recorded equity in earnings (losses) from North Dearborn of $(243) , $(812) and $(1,168) , respectively, and received (distributions) or made contributions of $(1,125) , $0 and $1,800 , respectively. 4455 LBJ Freeway, LLC The Company holds an investment in 4455 LBJ Freeway, LLC, a limited liability company that owns an office building in Dallas, Texas, with AmTrust. AmTrust has been appointed managing member of 4455 LBJ Freeway, LLC. The Company and AmTrust each have a 50% ownership interest in 4455 LBJ Freeway, LLC. Additionally, the Company entered into a lease agreement with 4455 LBJ Freeway, LLC. The Company paid 4455 LBJ Freeway, LLC $2,225 and $2,303 in rent for the years ended December 31, 2018 and 2017 , respectively. The Company’s equity interest in 4455 LBJ Freeway, LLC as of December 31, 2018 and 2017 was $793 and $740 , respectively. For the years ended December 31, 2018 , 2017 and 2016 , the Company recorded equity in earnings (losses) from 4455 LBJ Freeway, LLC of $53 , $(160) and $499 , respectively, and received distributions of $0 , $0 and $10,158 , respectively. Illinois Center Building, L.P. The Company holds an investment in Illinois Center Building, L.P. (“Illinois Center”), a limited partnership that owns an office building in Chicago, Illinois. AmTrust and ACP Re are also limited partners in Illinois Center and the general partner is NA Advisors. The Company and AmTrust each hold a 37.5% limited partnership interest in Illinois Center, while ACP Re holds a 15.0% limited partnership interest. NA Advisors holds a 10.0% general partnership interest and a 10.0% profit interest, which NA Advisors pays to the unrelated third-party manager. Illinois Center appointed NA Advisors as the general manager to oversee the day-to-day operations of the office building. The Company’s equity interest in Illinois Center as of December 31, 2018 and 2017 was $45,575 and $46,715 , respectively. For the years ended December 31, 2018 , 2017 and 2016 , the Company recorded equity in earnings (losses) from Illinois Center of $(3,390) , $(6,645) and $(4,047) , respectively, made contributions of $2,250 , $5,625 and $3,750 , respectively, and received distributions of $0 , $0 and $1,875

Fair Value of Financial Instrum

Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
Fair Value of Financial Instruments	Fair Value of Financial Instruments The Company carries certain financial instruments at fair value. Assets and liabilities recorded at fair value in the Consolidated Balance Sheets are measured and classified in accordance with a fair value hierarchy consisting of three “levels” based on the observability of valuation inputs: Level 1 - Inputs are quoted prices in active markets for identical assets or liabilities as of the measurement date. Additionally, the entity must have the ability to access the active market and the quoted prices cannot be adjusted by the entity. Level 2 - Inputs are other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. Level 2 inputs include quoted prices in active markets for similar assets or liabilities; quoted prices in inactive markets for identical or similar assets or liabilities; or inputs that are observable or can be corroborated by observable market data by correlation or other means for substantially the full term of the assets or liabilities. Level 3 - Unobservable inputs are supported by little or no market activity. The unobservable inputs represent management’s best assumptions of how market participants would price the assets or liabilities. Generally, Level 3 assets and liabilities are valued using pricing models, discounted cash flow methodologies, or similar techniques that require significant judgment or estimation. The following describes the valuation techniques used by the Company to determine the fair value measurements on a recurring basis of financial instruments held as of December 31, 2018 and 2017 . The Company utilizes a pricing service (“pricing service”) to estimate fair value measurements for all its debt and equity securities. Level 1 measurements: • U.S. Treasury and federal agencies. The fair values of U.S. government securities are based on quoted market prices in active markets. The Company believes the market for U.S. government securities is an actively traded market given the high level of daily trading volume. • Common stock. The pricing service utilizes market quotations for equity securities that have quoted market prices in active markets and their respective quoted prices are provided at fair value. • Short-term investments. Comprised of money market funds that are traded in active markets and fair values are based on quoted market prices. Level 2 measurements: • States and political subdivision bonds, and foreign government. The primary inputs to the valuation include quoted prices for identical or similar assets in markets that are not active. • Corporate bonds. Comprised of bonds issued by corporations, public and privately placed. The fair values of short-term corporate bonds are priced using the spread above the London Interbank Offering Rate (“LIBOR”) yield curve, and the fair value of long-term corporate bonds are priced using the spread above the risk-free yield curve. The spreads are sourced from broker dealers, trade prices and the new issue market. Where pricing is unavailable from pricing services, the Company obtains non-binding quotes from broker-dealers. The primary inputs to the valuation include quoted prices for identical or similar assets in markets that are not active. • Residential and commercial mortgage-backed securities, asset-backed securities and structured securities. The primary inputs to the valuation include quoted prices for identical or similar assets in markets that are not active, contractual cash flows, benchmark yields, prepayment speeds, collateral performance and credit spreads. • Preferred stock. The pricing service also provides fair value estimates for certain equity securities whose fair value is based on observable market information rather than market quotes. Level 3 measurements: • States and political subdivision bonds. The Company holds certain municipal bonds that finance economic development, infrastructure and environmental projects which do not have an active market. These bonds are valued based on non-binding broker quotes where the inputs have not been corroborated to be market observable. • Foreign government bonds. The Company holds certain foreign government bonds that are valued based on non-binding broker quotes where the inputs have not been corroborated to be market observable. • Corporate bonds. The Company holds certain structured notes and term loans that do not have an active market. These bonds are valued based on non-binding broker quotes where the inputs have not been corroborated to be market observable. • Residential and commercial mortgage-backed securities, and structured securities. The Company holds certain mortgage and structured securities valued based on non-binding broker quotes received from brokers who are familiar with the investments and where the inputs have not been corroborated to be market observable. • Common stock and preferred stock. From time to time, the Company also holds certain equity securities that are issued by privately-held entities or direct equity investments that do not have an active market. The Company estimates the fair value of these securities primarily based on inputs such as third-party broker quotes, issuers’ book value, market multiples, and other inputs. These bonds are valued based on non-binding broker quotes where the inputs have not been corroborated to be market observable. • Other investments, at fair value. Comprised of the Company’s right to receive the Excess Servicing Spread (“ESS”) related to servicing rights. The Company uses a discounted cash flow method to estimate their fair value. The key inputs used in the estimation of ESS include prepayment speed and discount rate. Changes in the fair value of the ESS are recorded in earnings. Assets measured at fair value on a recurring basis are as follows: December 31, 2018 Level 1 Level 2 Level 3 Total Available-for-sale debt securities: U.S. Treasury $ 65,593 $ — $ — $ 65,593 Federal agencies 37,475 — — 37,475 States and political subdivision bonds — 268,601 3,596 272,197 Foreign government — 152,366 — 152,366 Corporate bonds — 1,248,938 11,767 1,260,705 Residential mortgage-backed securities — 925,116 — 925,116 Commercial mortgage-backed securities — 544,975 — 544,975 Asset-backed securities — 61,147 — 61,147 Structured securities — 241,458 — 241,458 Total available-for-sale debt securities 103,068 3,442,601 15,363 3,561,032 Equity securities: Common stock 9,898 — 1,051 10,949 Total equity securities 9,898 — 1,051 10,949 Short-term investments 348,549 — — 348,549 Other investments — — 6,542 6,542 Total $ 461,515 $ 3,442,601 $ 22,956 $ 3,927,072 NGHC $ 429,502 $ 3,160,203 $ 22,956 $ 3,612,661 Reciprocal Exchanges 32,013 282,398 — 314,411 Total $ 461,515 $ 3,442,601 $ 22,956 $ 3,927,072 December 31, 2017 Level 1 Level 2 Level 3 Total Available-for-sale debt securities: U.S. Treasury $ 36,993 $ — $ — $ 36,993 Federal agencies 20,689 — — 20,689 States and political subdivision bonds — 415,000 4,081 419,081 Foreign government — 58,254 — 58,254 Corporate bonds — 1,036,344 24,545 1,060,889 Residential mortgage-backed securities — 1,004,739 — 1,004,739 Commercial mortgage-backed securities — 144,043 — 144,043 Asset-backed securities — 414 — 414 Structured securities — 394,787 — 394,787 Total available-for-sale debt securities 57,682 3,053,581 28,626 3,139,889 Equity securities: Common stock 43,067 — 5,052 48,119 Preferred stock — 1,952 270 2,222 Total equity securities 43,067 1,952 5,322 50,341 Short-term investments 38,266 — — 38,266 Other investments — 9 10,782 10,791 Total $ 139,015 $ 3,055,542 $ 44,730 $ 3,239,287 NGHC $ 110,769 $ 2,756,575 $ 44,730 $ 2,912,074 Reciprocal Exchanges 28,246 298,967 — 327,213 Total $ 139,015 $ 3,055,542 $ 44,730 $ 3,239,287 The following tables provide a reconciliation of recurring fair value measurements of the Level 3 financial assets: States and political subdivision bonds Corporate bonds Common stock Preferred stock Other investments Total Balance as of January 1, 2018 $ 4,081 $ 24,545 $ 5,052 $ 270 $ 10,782 $ 44,730 Transfers into Level 3 — — — — — — Transfers out of Level 3 — — — — — — Total gains (losses) for the period: Included in net income (1) — — (4,001 ) (270 ) 1,057 (3,214 ) Included in other comprehensive income (2) (485 ) (12,778 ) — — — (13,263 ) Purchases — — — — — — Sales — — — — (5,297 ) (5,297 ) Balance as of December 31, 2018 $ 3,596 $ 11,767 $ 1,051 $ — $ 6,542 $ 22,956 Change in unrealized gains (losses) for the period included in net income for assets held at the end of the reporting period $ — $ — $ (4,001 ) $ (270 ) $ 606 $ (3,665 ) Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period $ (485 ) $ (12,778 ) $ — $ — $ — $ (13,263 ) States and political subdivision bonds Foreign government Corporate bonds Residential mortgage- backed securities Commercial mortgage- backed securities Structured securities Common stock Preferred stock Other investments Total Balance as of January 1, 2017 $ 4,732 $ 1,910 $ 36,044 $ 7,423 $ 4,849 $ 9,055 $ 6,297 $ — $ 9,427 $ 79,737 Transfers into Level 3 — — — — — — 1 275 — 276 Transfers out of Level 3 (2 ) (1,910 ) (1,787 ) (7,422 ) (4,849 ) (7,054 ) — — — (23,024 ) Total gains (losses) for the period: Included in net income (1) — — — — — — — — 84 84 Included in other comprehensive income (2) (649 ) — 13 — — — 2,632 (5 ) — 1,991 Purchases — — — — — — 4,119 — 3,986 8,105 Sales — — (9,725 ) (1 ) — (2,001 ) (7,997 ) — (2,715 ) (22,439 ) Balance as of December 31, 2017 $ 4,081 $ — $ 24,545 $ — $ — $ — $ 5,052 $ 270 $ 10,782 $ 44,730 Change in unrealized gains (losses) for the period included in net income for assets held at the end of the reporting period $ — $ — $ — $ — $ — $ — $ — $ — $ 84 $ 84 (1) Gains and losses recognized in net income are reported within Net investment income. (2) Gains and losses recognized in other comprehensive income are reported within Unrealized gains (losses) on investments, net of tax. During the year ended December 31, 2018 , there were no transfers between Level 2 and Level 3. During the year ended December 31, 2017 , the Company transferred $23,024 out of Level 3 into Level 2, due to changes in broker quotes where the inputs included quoted prices for identical or similar assets in markets that are active or not active resulting in the securities being classified as Level 2; and $276 out of Level 2 into Level 3, due to changes in broker quotes where the inputs had not been corroborated to be market observable resulting in the securities being classified as Level 3. At December 31, 2018 and 2017 , the carrying values of the Company’s cash and cash equivalents, premiums and other receivables, and accounts payable approximate the fair value given their short-term nature and were classified as Level 1. Other than goodwill, the Company did not measure any assets or liabilities at fair value on a nonrecurring basis at December 31, 2018 and 2017 . Goodwill is classified as Level 3 in the fair value hierarchy. See Note 8 , “ Goodwill and Intangible Assets ” for additional information on how the Company tested goodwill for impairment. Fair value information about financial instruments not measured at fair value Debt - The amount reported in the accompanying Consolidated Balance Sheets for these financial instruments represents the carrying value of the debt. See Note 12 , “ Debt ” for additional information. As of December 31, 2018 , the Company’s 6.75% Notes, the Subordinated Debentures and the Credit Agreement were not publicly traded and are classified as Level 3. As of December 31, 2017 , the Company’s 6.75% Notes, the Subordinated Debentures, the Imperial Surplus Notes, the SPCIC Surplus Notes and the Credit Agreement were not publicly traded and were classified as Level 3. As of December 31, 2018 and 2017 , the Company’s 7.625% Notes are publicly traded and were classified as Level 2. The following table presents the carrying amount and fair value estimates of debt not carried at fair value: December 31, 2018 December 31, 2017 Carrying amount Fair value Carrying amount Fair value 6.75% Notes $ 346,439 $ 353,756 $ 345,786 $ 366,131 7.625% Notes 96,842 90,400 96,756 101,640 Subordinated Debentures 72,168 72,109 72,168 72,101 Imperial Surplus Notes — — 5,000 4,984 SPCIC Surplus Notes — — 4,000 3,996 Credit Agreement 160,000 163,222 190,000 195,420 Total $ 675,449 $ 679,487 $ 713,710 $ 744,272

Premiums and Other Receivables,

Premiums and Other Receivables, Net	12 Months Ended
	Dec. 31, 2018
Receivables [Abstract]
Premiums and Other Receivables, Net	Premiums and Other Receivables Premiums and other receivables, net consisted of the following: December 31, 2018 2017 Premiums receivable $ 1,284,122 $ 1,188,170 Commission receivables 66,111 75,777 Investment receivables 386 29,971 Other receivables 69,401 48,949 Allowance for uncollectible amounts (20,208 ) (18,546 ) Total $ 1,399,812 $ 1,324,321 NGHC $ 1,338,485 $ 1,267,529 Reciprocal Exchanges 61,327 56,792 Total $ 1,399,812 $ 1,324,321

Deferred Acquisition Costs

Deferred Acquisition Costs	12 Months Ended
	Dec. 31, 2018
Deferred Policy Acquisition Costs Disclosures [Abstract]
Deferred Policy Acquisition Costs	Deferred Acquisition Costs The following table reflects the amounts of policy acquisition costs deferred and amortized: Year Ended December 31, 2018 2017 2016 Property Accident Total Property Accident Total Property Accident Total Beginning of the year $ 198,283 $ 18,106 $ 216,389 $ 207,597 $ 13,325 $ 220,922 $ 153,767 $ 6,764 $ 160,531 Additions 522,914 22,898 545,812 478,426 26,930 505,356 443,435 51,760 495,195 Deductions (1) — — — — — — (23,803 ) — (23,803 ) Amortization (495,009 ) (15,784 ) (510,793 ) (487,740 ) (22,149 ) (509,889 ) (365,802 ) (45,199 ) (411,001 ) Change in DAC 27,905 7,114 35,019 (9,314 ) 4,781 (4,533 ) 53,830 6,561 60,391 End of the year $ 226,188 $ 25,220 $ 251,408 $ 198,283 $ 18,106 $ 216,389 $ 207,597 $ 13,325 $ 220,922 NGHC $ 206,181 $ 25,220 $ 231,401 $ 177,446 $ 18,106 $ 195,552 $ 176,554 $ 13,325 $ 189,879 Reciprocal Exchanges 20,007 — 20,007 20,837 — 20,837 31,043 — 31,043 End of the year $ 226,188 $ 25,220 $ 251,408 $ 198,283 $ 18,106 $ 216,389 $ 207,597 $ 13,325 $ 220,922 (1)

Premises and Equipment, Net

Premises and Equipment, Net	12 Months Ended
	Dec. 31, 2018
Property, Plant and Equipment [Abstract]
Premises and Equipment, Net	Premises and Equipment The composition of premises and equipment consisted of the following: December 31, 2018 2017 Cost Accumulated Depreciation Net Value Cost Accumulated Depreciation Net Value Land $ 6,073 $ — $ 6,073 $ 3,380 $ — $ 3,380 Buildings 31,489 (2,554 ) 28,935 24,586 (1,634 ) 22,952 Leasehold improvements 35,469 (9,152 ) 26,317 26,300 (5,061 ) 21,239 Other equipment 28,774 (5,670 ) 23,104 22,510 (3,986 ) 18,524 Hardware and software 385,059 (161,484 ) 223,575 373,081 (115,127 ) 257,954 Total $ 486,864 $ (178,860 ) $ 308,004 $ 449,857 $ (125,808 ) $ 324,049 NGHC $ 477,804 $ (171,495 ) $ 306,309 $ 440,798 $ (121,018 ) $ 319,780 Reciprocal Exchanges 9,060 (7,365 ) 1,695 9,059 (4,790 ) 4,269 Total $ 486,864 $ (178,860 ) $ 308,004 $ 449,857 $ (125,808 ) $ 324,049 As of December 31, 2018 and 2017 , assets recorded under capital leases, included in buildings, other equipment, hardware and software were $55,719 and $49,569 of cost, less accumulated depreciation of $1,157 and $884 , respectively. Depreciation and amortization expense related to premises and equipment for the years ended December 31, 2018 , 2017 and 2016 was $55,928 , $39,323 and $19,485 ,

Goodwill and Intangible Assets,

Goodwill and Intangible Assets, Net	12 Months Ended
	Dec. 31, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Intangible Assets, Net	Goodwill and Intangible Assets Goodwill and intangible assets, net of amortization, are recorded as a consequence of business acquisitions. Goodwill represents the excess, if any, of the purchase price over the fair value of their net assets as of the date of acquisition. Intangible assets are recorded at their fair value as of the acquisition date. Intangible assets that are not deemed to have an indefinite useful life are amortized over their estimated useful lives. Goodwill and intangible assets that have an indefinite useful life are not subject to amortization. Goodwill and intangible assets deemed to have an indefinite useful life are tested annually in the fourth quarter of every year for impairment. Goodwill and intangible assets are also tested whenever events and changes in circumstances suggest that the carrying amount may not be recoverable. If it is determined that an asset has been impaired, the asset is written down by the amount of the impairment, with a corresponding charge to earnings. With respect to goodwill, a qualitative assessment is first made to determine whether it is necessary to perform quantitative testing. This initial assessment includes, among other factors, consideration of: (i) past, current and projected future earnings and equity; (ii) recent trends and market conditions; and (iii) valuation metrics involving similar companies that are publicly-traded and acquisitions of similar companies, if available. If this initial qualitative assessment indicates that the fair value of an operating segment may be less than its carrying amount, a second step is taken, involving a comparison between the estimated fair values of the Company’s operating subsidiary with its respective carrying amount including goodwill. If the carrying value exceeds estimated fair value, there is an indication of impairment. The changes in the carrying amounts of goodwill by segments are as follows: Property and Casualty Accident and Health Total Balance as of January 1, 2017 Goodwill $ 124,190 $ 77,112 $ 201,302 Accumulated impairment loss (30,321 ) (12,617 ) (42,938 ) Balance as of January 1, 2017, net $ 93,869 $ 64,495 $ 158,364 Additions 11,903 8,770 20,673 Impairment loss (4,884 ) — (4,884 ) Balance as of December 31, 2017 Goodwill 136,093 85,882 221,975 Accumulated impairment loss (35,205 ) (12,617 ) (47,822 ) Balance as of December 31, 2017, net $ 100,888 $ 73,265 $ 174,153 Additions — 6,030 6,030 Balance as of December 31, 2018 Goodwill 136,093 91,912 228,005 Accumulated impairment loss (35,205 ) (12,617 ) (47,822 ) Balance as of December 31, 2018, net $ 100,888 $ 79,295 $ 180,183 The composition of goodwill and intangible assets consisted of the following: December 31, 2018 Gross Balance Accumulated Amortization Net Value Useful Life Agent/Customer relationships $ 184,617 $ (72,876 ) $ 111,741 2 - 16 years Renewal rights 51,057 (36,342 ) 14,715 3 - 7 years Proprietary technology 14,346 (5,455 ) 8,891 4 - 15 years Leases 5,523 (1,091 ) 4,432 13 years Trademarks 5,450 (1,529 ) 3,921 5 - 15 years Loss reserve discount 6,942 (5,964 ) 978 6 - 9 years Non-compete agreements 840 (157 ) 683 4 - 15 years Affinity partners 800 (649 ) 151 11 years Management contracts 118,600 — 118,600 indefinite life State licenses 85,825 — 85,825 indefinite life Trademarks 30,000 — 30,000 indefinite life Goodwill 180,183 — 180,183 indefinite life Total $ 684,183 $ (124,063 ) $ 560,120 NGHC $ 680,283 $ (123,568 ) $ 556,715 Reciprocal Exchanges 3,900 (495 ) 3,405 Total $ 684,183 $ (124,063 ) $ 560,120 As of December 31, 2018 , there were no circumstances that indicate that the carrying amount of goodwill and intangible assets deemed to have an indefinite useful life may not be recoverable. December 31, 2017 Gross Accumulated Net Value Useful Life Agent/Customer relationships $ 178,151 $ (54,536 ) $ 123,615 2 - 16 years Renewal rights 51,377 (27,005 ) 24,372 3 - 7 years Proprietary technology 14,007 (3,663 ) 10,344 3 - 10 years Leases 5,523 (668 ) 4,855 13 years Trademarks 3,835 (864 ) 2,971 5 - 11 years Loss reserve discount 6,942 (4,840 ) 2,102 6 - 9 years Non-compete agreements 840 (82 ) 758 4 - 15 years Affinity partners 800 (579 ) 221 11 years Management contracts 118,600 — 118,600 indefinite life State licenses 86,232 — 86,232 indefinite life Trademarks 30,000 — 30,000 indefinite life Goodwill 174,153 — 174,153 indefinite life Total $ 670,460 $ (92,237 ) $ 578,223 NGHC $ 666,460 $ (91,922 ) $ 574,538 Reciprocal Exchanges 4,000 (315 ) 3,685 Total $ 670,460 $ (92,237 ) $ 578,223 Intangible assets amortization expense consisted of the following: Year Ended December 31, 2018 2017 2016 Amortization of intangible assets $ 31,724 $ 59,737 $ 64,786 Impairment of intangible assets 275 131 5,038 Subtotal 31,999 59,868 69,824 Amortization of loss reserve premiums (632 ) (1,257 ) (899 ) Total $ 31,367 $ 58,611 $ 68,925 NGHC $ 31,323 $ 51,729 $ 48,130 Reciprocal Exchanges 44 6,882 20,795 Total $ 31,367 $ 58,611 $ 68,925 The estimated aggregate amortization expense for each of the next five years and thereafter is: Year ending NGHC Reciprocal Total 2019 $ 26,936 $ 180 $ 27,116 2020 20,009 180 20,189 2021 16,923 45 16,968 2022 14,099 — 14,099 2023 11,805 — 11,805 Thereafter 55,335 — 55,335 Total $ 145,107 $ 405 $ 145,512

Unpaid Losses and Loss Adjustme

Unpaid Losses and Loss Adjustment Expense Reserves	12 Months Ended
	Dec. 31, 2018
Insurance [Abstract]
Unpaid Losses and Loss Adjustment Expenses	Unpaid Losses and Loss Adjustment Expense Reserves The unpaid losses and loss adjustment expense (“LAE”) reserves are the result of ongoing analysis of recent loss development trends and emerging historical experience. Original estimates are increased or decreased as additional information becomes known regarding individual claims. In setting its reserves, the Company reviews its loss data to estimate expected loss development. Management believes that its use of standard actuarial methodology applied to its analyses of its historical experience provides a reasonable estimate of future losses. However, actual future losses may differ from the Company’s estimate, and future events beyond the control of management, such as changes in law, judicial interpretations of law and inflation, may favorably or unfavorably impact the ultimate settlement of the Company’s losses and LAE. The anticipated effect of inflation is implicitly considered when estimating liabilities for losses and LAE. In addition to inflation, the average severity of claims is affected by a number of factors that may vary by types and features of policies written. Future average severities are projected from historical trends, adjusted for implemented changes in underwriting standards and policy provisions, and general economic trends. These estimated trends are monitored and revised as necessary based on actual development. The tables below show the rollforward of loss reserves on a gross and net of reinsurance basis, reflecting changes in losses incurred and paid losses: Year Ended December 31, 2018 Property Accident NGHC Reciprocal Total Unpaid losses and LAE, gross of related reinsurance recoverable at beginning of the year $ 2,270,551 $ 249,653 $ 2,520,204 $ 143,353 $ 2,663,557 Less: Reinsurance recoverable at beginning of the year (1,067,495 ) (9,840 ) (1,077,335 ) (52,408 ) (1,129,743 ) Net balance at beginning of the year 1,203,056 239,813 1,442,869 90,945 1,533,814 Incurred losses and LAE related to: Current year 2,182,923 352,322 2,535,245 161,015 2,696,260 Prior year (4,760 ) (30,977 ) (35,737 ) 1,703 (34,034 ) Total incurred 2,178,163 321,345 2,499,508 162,718 2,662,226 Paid losses and LAE related to: Current year (1,336,359 ) (188,014 ) (1,524,373 ) (110,053 ) (1,634,426 ) Prior year (720,039 ) (117,653 ) (837,692 ) (43,119 ) (880,811 ) Total paid (2,056,398 ) (305,667 ) (2,362,065 ) (153,172 ) (2,515,237 ) Effect of foreign exchange rates — (8,786 ) (8,786 ) — (8,786 ) Net balance at end of the year 1,324,821 246,705 1,571,526 100,491 1,672,017 Plus: Reinsurance recoverable at end of the year 1,182,588 24,575 1,207,163 77,979 1,285,142 Gross balance at end of the year $ 2,507,409 $ 271,280 $ 2,778,689 $ 178,470 $ 2,957,159 Year Ended December 31, 2017 Property and Casualty Accident and Health NGHC Reciprocal Exchanges Total Unpaid losses and LAE, gross of related reinsurance recoverable at beginning of the year $ 1,936,391 $ 200,400 $ 2,136,791 $ 137,075 $ 2,273,866 Less: Reinsurance recoverable at beginning of the year (827,672 ) (10,933 ) (838,605 ) (42,192 ) (880,797 ) Net balance at beginning of the year 1,108,719 189,467 1,298,186 94,883 1,393,069 Incurred losses and LAE related to: Current year 2,172,506 327,289 2,499,795 118,938 2,618,733 Prior year 15,273 (8,826 ) 6,447 902 7,349 Total incurred 2,187,779 318,463 2,506,242 119,840 2,626,082 Paid losses and LAE related to: Current year (1,364,011 ) (166,669 ) (1,530,680 ) (81,371 ) (1,612,051 ) Prior year (729,431 ) (107,992 ) (837,423 ) (42,407 ) (879,830 ) Total paid (2,093,442 ) (274,661 ) (2,368,103 ) (123,778 ) (2,491,881 ) Effect of foreign exchange rates — 6,544 6,544 — 6,544 Net balance at end of the year 1,203,056 239,813 1,442,869 90,945 1,533,814 Plus: Reinsurance recoverable at end of the year 1,067,495 9,840 1,077,335 52,408 1,129,743 Gross balance at end of the year $ 2,270,551 $ 249,653 $ 2,520,204 $ 143,353 $ 2,663,557 Year Ended December 31, 2016 Property and Casualty Accident and Health NGHC Reciprocal Exchanges Total Unpaid losses and LAE, gross of related reinsurance recoverable at beginning of the year $ 1,479,953 $ 150,230 $ 1,630,183 $ 132,392 $ 1,762,575 Less: Reinsurance recoverable at beginning of the year (793,508 ) (583 ) (794,091 ) (39,085 ) (833,176 ) Net balance at beginning of the year 686,445 149,647 836,092 93,307 929,399 Incurred losses and LAE related to: Current year 1,716,729 291,900 2,008,629 70,113 2,078,742 Prior year 5,125 9,310 14,435 (897 ) 13,538 Total incurred 1,721,854 301,210 2,023,064 69,216 2,092,280 Paid losses and LAE related to: Current year (1,070,080 ) (181,957 ) (1,252,037 ) (45,607 ) (1,297,644 ) Prior year (521,912 ) (84,824 ) (606,736 ) (22,417 ) (629,153 ) Total paid (1,591,992 ) (266,781 ) (1,858,773 ) (68,024 ) (1,926,797 ) Acquired outstanding loss and loss adjustment reserve 292,412 9,682 302,094 384 302,478 Effect of foreign exchange rates — (4,291 ) (4,291 ) — (4,291 ) Net balance at end of the year 1,108,719 189,467 1,298,186 94,883 1,393,069 Plus: Reinsurance recoverable at end of the year 827,672 10,933 838,605 42,192 880,797 Gross balance at end of the year $ 1,936,391 $ 200,400 $ 2,136,791 $ 137,075 $ 2,273,866 Gross unpaid losses and loss adjustment expense reserves at December 31, 2018 increased by $293,602 from December 31, 2017 , primarily reflecting increases from organic growth in the property and casualty segment. Gross unpaid losses and loss adjustment expense reserves at December 31, 2017 increased by $389,691 from December 31, 2016 , primarily reflecting increases in organic growth in the property and casualty segment. Prior year loss development, net of reinsurance Prior year development is based upon numerous estimates by line of business and accident year. No additional premiums or return premiums have been accrued as a result of the prior year effects. 2018 . Loss and LAE for the year ended December 31, 2018 included $34,034 of favorable development on prior accident year loss and LAE reserves driven by $3,057 of favorable development in the property and casualty segment (including $1,703 of unfavorable development for the Reciprocal Exchanges), and $30,977 of favorable development in the accident and health segment primarily driven by favorable development in the domestic accident and health stop loss and short-term medical products. 2017 . Loss and LAE for the year ended December 31, 2017 included $7,349 of unfavorable development on prior accident year loss and LAE reserves. The $16,175 of unfavorable development in the property and casualty segment (including $902 of unfavorable development for the Reciprocal Exchanges) was primarily driven by higher than expected development in auto liability coverages, while the $8,826 of favorable development in the accident and health segment was primarily driven by favorable development in the Company’s domestic products. 2016 . Loss and LAE for the year ended December 31, 2016 included $13,538 of unfavorable development on prior accident year loss and LAE reserves. The $4,228 of unfavorable development in the property and casualty segment (including $897 of favorable development for the Reciprocal Exchanges) was primarily driven by higher than expected unfavorable development in private passenger auto bodily injury coverage, while the $9,310 of unfavorable development in the accident and health segment was primarily driven by unfavorable development in the domestic stop loss, short-term medical products and European A&H policies. Short-duration contracts The following is information by reserving subgroups within segments about incurred and paid claims development as of December 31, 2018 , net of reinsurance, as well as cumulative claim frequency and the total of incurred-but-not-reported liabilities (“IBNR”) plus expected development on reported claims included within the net incurred claims amounts. The information about incurred and paid claims development for the years ended prior to December 31, 2018 , is presented as unaudited supplementary information. Due to the revaluation of the historical information to constant-currency rates in the Company’s European A&H policies, the accident and health triangle will not match prior years. Property and Casualty - auto liability, including recreational vehicles and motorcycles: Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2018 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 Total of IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims (unaudited) 2010 $ 596,995 $ 593,187 $ 592,353 $ 593,992 $ 594,348 $ 595,763 $ 595,337 $ 595,157 $ 595,215 $ 61 241,670 2011 490,230 485,762 489,010 494,922 493,873 497,109 497,324 496,408 50 238,283 2012 511,797 522,296 529,140 527,386 528,090 527,531 529,885 66 249,856 2013 544,833 556,262 556,290 563,834 567,410 572,538 767 250,051 2014 740,531 759,577 760,566 766,640 779,992 6,150 269,900 2015 820,213 838,040 849,051 872,064 17,352 291,338 2016 932,350 940,849 976,749 51,322 300,680 2017 929,211 912,371 93,880 292,748 2018 1,047,041 380,720 283,045 Total (A) $ 6,782,263 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 (unaudited) 2010 $ 287,058 $ 474,640 $ 534,107 $ 562,918 $ 579,237 $ 590,417 $ 592,932 $ 594,168 $ 594,696 2011 224,676 385,749 442,365 468,059 482,861 489,191 494,145 495,833 2012 242,285 413,018 470,515 501,819 518,079 523,703 527,695 2013 259,665 440,751 504,569 540,497 559,064 567,949 2014 342,710 601,980 694,002 728,256 757,933 2015 385,592 679,461 761,150 820,007 2016 400,052 737,927 855,407 2017 392,084 706,152 2018 429,231 Total (B) $ 5,754,903 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 2,063 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 1,029,423 Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 (unaudited) Property and Casualty - auto liability, including recreational vehicles and motorcycles 43.7 % 33.7 % 11.0 % 5.8 % 3.3 % 1.5 % 0.6 % 0.3 % 0.3 % Property and Casualty - auto physical damage, including recreational vehicles, motorcycles and lender placed auto: Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2018 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 Total of IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims (unaudited) 2010 $ 389,966 $ 382,067 $ 381,499 $ 381,748 $ 381,818 $ 381,826 $ 381,795 $ 381,410 $ 381,138 $ 10 309,112 2011 315,273 308,729 308,298 308,486 308,760 308,512 308,536 308,249 (20 ) 298,029 2012 308,056 298,208 295,984 296,257 296,050 295,970 295,026 6 292,483 2013 335,454 329,049 328,748 328,284 328,262 328,010 13 285,737 2014 496,227 487,302 486,206 486,383 486,373 77 311,580 2015 541,008 544,097 544,769 544,510 (13 ) 329,054 2016 626,643 622,456 621,717 131 337,670 2017 600,813 570,699 1,988 384,399 2018 548,063 39,000 347,326 Total (A) $ 4,083,785 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 (unaudited) 2010 $ 351,865 $ 382,575 $ 381,955 $ 381,926 $ 381,829 $ 381,811 $ 381,789 $ 381,425 $ 381,128 2011 283,501 308,824 308,634 308,608 308,578 308,571 308,557 308,266 2012 268,989 298,381 295,978 295,975 296,029 295,995 294,975 2013 291,064 328,832 328,456 328,299 328,280 327,976 2014 430,998 487,531 486,364 486,309 486,251 2015 478,268 544,754 544,707 544,485 2016 542,970 622,930 621,529 2017 533,907 568,639 2018 483,149 Total (B) $ 4,016,398 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 3 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 67,390 Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 (unaudited) Property and Casualty - auto physical damage, including recreational vehicles, motorcycles and lender placed auto 89.7 % 10.5 % (0.1 )% — % — % — % (0.1 )% — % (0.1 )% Property and Casualty - homeowners & other property, including lender placed homeowners: Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2018 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 Total of IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims (unaudited) 2010 $ 422,123 $ 414,378 $ 413,664 $ 413,623 $ 412,187 $ 411,689 $ 411,304 $ 410,997 $ 411,290 $ 10 86,459 2011 506,352 499,170 498,050 498,184 497,244 495,246 494,825 495,170 19 107,854 2012 485,454 480,353 478,880 477,577 476,538 474,649 476,166 36 112,028 2013 306,761 300,868 299,561 296,618 296,907 296,756 100 75,831 2014 318,488 306,471 303,925 304,496 304,237 474 73,367 2015 357,023 349,559 351,747 353,688 6,312 69,636 2016 350,737 341,762 340,711 3,690 60,486 2017 402,798 365,092 14,807 57,547 2018 327,463 42,891 54,127 Total (A) $ 3,370,573 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 (unaudited) 2010 $ 247,802 $ 370,301 $ 393,226 $ 404,490 $ 408,195 $ 409,781 $ 410,875 $ 410,994 $ 411,249 2011 314,139 457,480 485,054 489,778 493,408 494,198 494,525 494,904 2012 300,271 452,589 466,266 471,084 473,190 473,781 475,765 2013 219,937 279,743 289,302 293,101 295,332 296,382 2014 198,781 278,255 289,456 297,640 301,741 2015 233,264 319,284 336,921 342,156 2016 227,650 320,564 331,102 2017 258,234 338,065 2018 227,907 Total (B) $ 3,219,271 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 177 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 151,479 Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 (unaudited) Property and Casualty - homeowners & other property, including lender placed homeowners 66.1 % 26.4 % 4.2 % 1.6 % 1.1 % 0.3 % 0.2 % — % 0.1 % Accident and Health Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2018 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 Total of IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims (unaudited) 2010 $ 21,110 $ 21,886 $ 23,665 $ 24,328 $ 25,361 $ 26,677 $ 26,282 $ 26,500 $ 26,648 $ 78 23,800 2011 19,863 25,848 26,398 28,016 30,391 29,506 30,201 29,682 184 25,766 2012 21,237 28,128 31,183 34,822 33,906 36,252 35,071 290 29,006 2013 46,293 57,384 60,829 62,297 66,232 64,182 408 57,713 2014 80,718 88,738 91,433 97,733 95,864 509 97,789 2015 212,071 226,857 232,084 232,966 908 275,549 2016 259,281 249,637 252,038 2,175 361,175 2017 273,288 248,038 11,775 343,273 2018 301,198 120,225 244,828 Total (A) $ 1,285,687 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 (unaudited) 2010 $ 11,408 $ 17,907 $ 20,708 $ 22,754 $ 23,942 $ 24,511 $ 24,754 $ 25,146 $ 25,410 2011 11,684 21,437 24,260 26,281 27,425 27,845 28,305 28,586 2012 13,809 23,294 27,402 29,554 30,570 31,578 32,115 2013 27,808 49,334 54,254 56,632 58,144 58,964 2014 46,857 78,463 83,109 85,782 87,441 2015 140,431 208,738 216,424 218,925 2016 147,952 235,572 244,270 2017 132,451 218,237 2018 167,833 Total (B) $ 1,081,781 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 2,238 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 206,144 Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 (unaudited) Accident and Health (excluding DE captive subsidiaries) 54.5 % 32.2 % 4.4 % (0.2 )% (0.3 )% 1.4 % 1.3 % 2.2 % 2.2 % Reciprocal Exchanges - auto liability: Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2018 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 Total of IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims (unaudited) 2010 $ 61,956 $ 59,169 $ 57,079 $ 56,991 $ 57,453 $ 57,268 $ 57,218 $ 57,222 $ 57,568 $ — 5,854 2011 47,666 47,834 47,459 48,841 51,107 50,898 50,998 51,161 — 5,089 2012 44,834 47,275 48,044 48,665 50,370 50,767 50,303 — 5,016 2013 43,684 44,341 45,479 50,180 51,263 49,854 (1 ) 5,090 2014 38,656 40,850 45,930 48,246 49,168 500 4,845 2015 35,573 33,409 34,390 34,615 1,732 4,366 2016 24,619 24,460 26,109 4,879 4,055 2017 26,214 28,762 5,361 5,071 2018 32,339 14,089 5,940 Total (A) $ 379,879 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 (unaudited) 2010 $ 18,879 $ 32,181 $ 41,020 $ 49,764 $ 53,635 $ 55,155 $ 55,700 $ 56,522 $ 56,961 2011 15,857 26,603 35,911 41,931 46,559 49,570 50,481 50,979 2012 13,568 29,286 37,241 42,768 46,358 48,990 49,836 2013 14,683 29,218 35,105 41,787 47,449 48,449 2014 13,925 26,070 32,382 39,328 46,001 2015 11,910 19,501 24,614 29,538 2016 7,516 13,478 16,994 2017 9,111 17,136 2018 10,755 Total (B) $ 326,649 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 5 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 53,235 Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 (unaudited) Reciprocal Exchanges - auto liability 30.6 % 25.1 % 14.4 % 13.7 % 9.3 % 3.8 % 1.3 % 0.8 % 0.8 % Reciprocal Exchanges - auto physical damage: Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2018 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 Total of IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims (unaudited) 2010 $ 29,664 $ 24,572 $ 24,652 $ 24,700 $ 24,682 $ 24,665 $ 24,659 $ 24,653 $ 24,653 $ — 12,374 2011 26,936 26,055 26,022 26,060 26,037 26,029 26,023 26,028 — 12,041 2012 25,752 26,459 26,189 25,914 25,842 25,841 25,845 — 11,301 2013 23,375 25,214 25,292 24,709 24,703 24,704 — 11,072 2014 29,240 27,424 25,806 25,588 25,882 (1 ) 11,557 2015 21,247 18,592 18,673 18,789 (39 ) 10,328 2016 12,270 12,921 12,985 (170 ) 8,752 2017 15,301 15,410 (731 ) 10,691 2018 19,146 (218 ) 13,002 Total (A) $ 193,442 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 (unaudited) 2010 $ 25,583 $ 24,873 $ 24,725 $ 24,701 $ 24,681 $ 24,665 $ 24,661 $ 24,654 $ 24,653 2011 28,274 26,269 26,106 26,056 26,037 26,033 26,027 26,028 2012 23,760 26,651 26,172 25,914 25,854 25,850 25,845 2013 22,651 25,088 24,549 24,725 24,716 24,704 2014 24,528 26,165 25,772 25,427 25,685 2015 19,080 18,797 18,750 18,748 2016 12,579 13,147 13,079 2017 15,438 16,141 2018 18,925 Total (B) $ 193,808 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) — Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ (366 ) Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 (unaudited) Reciprocal Exchanges - auto physical damage 98.6 % 3.0 % (1.5 )% (0.4 )% 0.1 % 0.1 % — % — % — % Reciprocal Exchanges - homeowners & other property: Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2018 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 Total of IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims (unaudited) 2010 $ 38,125 $ 37,831 $ 37,161 $ 36,347 $ 36,691 $ 35,788 $ 35,723 $ 35,639 $ 35,181 $ — 5,049 2011 38,470 28,869 28,511 28,209 27,954 27,950 28,002 28,075 — 6,640 2012 25,289 20,625 21,184 19,971 20,403 20,876 20,251 — 8,422 2013 22,638 21,232 20,132 20,309 20,615 20,367 — 3,148 2014 27,706 24,846 25,625 26,614 27,141 174 4,226 2015 30,081 21,031 21,527 22,007 509 5,443 2016 36,838 35,274 34,851 1,065 4,745 2017 48,222 50,871 939 8,630 2018 76,925 10,886 11,930 Total (A) $ 315,669 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 (unaudited) 2010 $ 23,881 $ 31,051 $ 32,488 $ 34,587 $ 35,265 $ 35,428 $ 35,388 $ 35,497 $ 35,101 2011 21,474 24,997 25,799 26,700 27,661 27,656 27,692 27,758 2012 11,087 18,021 19,367 19,847 19,961 20,668 20,121 2013 11,277 17,435 18,107 19,104 19,653 19,626 2014 15,344 22,834 23,820 25,230 26,170 2015 12,979 18,518 19,834 20,339 2016 20,978 30,615 31,632 2017 33,166 46,003 2018 55,519 Total (B) $ 282,269 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 2,157 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 35,557 Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 (unaudited) Reciprocal Exchanges - homeowners & other property 65.2 % 22.6 % 3.3 % 4.2 % 3.0 % 1.3 % 0.1 % 0.4 % 0.1 % The reconciliation of the net incurred and paid claims development tables to the liability for unpaid loss and loss adjustment expense reserves is as follows: December 31, 2018 Net outstanding liabilities: Property and Casualty - Auto Liability $ 1,029,423 Property and Casualty - Auto Physical Damage 67,390 Property and Casualty - Homeowners and Other Property 151,479 Accident and Health 206,144 Reciprocal Exchanges - Auto Liability 53,235 Reciprocal Exchanges - Auto Physical Damage (366 ) Reciprocal Exchanges - Homeowners and Other Property 35,557 Net reserve for claims and allocated claim adjustment expenses $ 1,542,862 Reinsurance recoverable: (1) Property and Casualty - Auto Liability $ 877,907 Property and Casualty - Auto Physical Damage 16,413 Property and Casualty - Homeowners and Other Property 288,268 Accident and Health 24,575 Reciprocal Exchanges - Auto Liability 37,180 Reciprocal Exchanges - Auto Physical Damage 105 Reciprocal Exchanges - Homeowners and Other Property 40,694 Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses $ 1,285,142 Insurance lines other than short-duration $ 31,048 Unallocated claims adjustment expenses (“ULAE”) 98,107 Subtotal $ 129,155 Gross reserve for claims and claim adjustment expenses $ 2,957,159 (1) Reinsurance recoverable on unpaid losses for Property and Casualty primarily include $590,188 from MCCA and $134,916 from NCRF. See Note 10 , “ Reinsurance ” for additional information. The reconciliation of the net incurred and paid loss information in the loss reserve rollforward table and development tables with respect to the current accident year is as follows: 2018 - Current Accident Year Incurred 2018 - Current Accident Year Paid Property and Casualty Accident and Health Reciprocal Total Property and Casualty Accident and Health Reciprocal Total Rollforward table $ 2,182,923 $ 352,322 $ 161,015 $ 2,696,260 $ 1,336,359 $ 188,014 $ 110,053 $ 1,634,426 Development tables 1,922,567 301,198 128,410 2,352,175 1,140,287 167,833 85,199 1,393,319 Variance $ 260,356 $ 51,124 $ 32,605 $ 344,085 $ 196,072 $ 20,181 $ 24,854 $ 241,107 Unallocated claims adjustment expenses $ 260,356 $ 13,280 $ 32,605 $ 306,241 $ 196,072 $ 6,572 $ 24,854 $ 227,498 Long-duration contracts — 34,937 — 34,937 — 17,944 — 17,944 Effect of foreign exchange rates — 2,907 — 2,907 — (4,335 ) — (4,335 ) Variance $ 260,356 $ 51,124 $ 32,605 $ 344,085 $ 196,072 $ 20,181 $ 24,854 $ 241,107 The reconciliation of the net incurred and paid loss information in the loss reserve rollforward table and development tables with respect to the prior accident year is as follows: 2018 - Prior Accident Year Incurred 2018 - Prior Accident Year Incurred Property and Casualty Accident and Health Reciprocal Total Property and Casualty Accident and Health Reciprocal Total Rollforward table $ (4,760 ) $ (30,977 ) $ 1,703 $ (34,034 ) $ 720,039 $ 117,653 $ 43,119 $ 880,811 Development tables (5,899 ) (27,438 ) 6,548 (26,789 ) 669,687 100,546 41,190 811,423 Variance $ 1,139 $ (3,539 ) $ (4,845 ) $ (7,245 ) $ 50,352 $ 17,107 $ 1,929 $ 69,388 Unallocated claims adjustment expenses $ 412 $ 2,246 $ (5,622 ) $ (2,964 ) $ 49,019 $ 3,758 $ 788 $ 53,565 Accident years prior to 2010 727 — 777 1,504 1,333 736 1,141 3,210 Delaware captive subsidiaries — 19 — 19 — 77 — 77 Long-duration contracts — (5,285 ) — (5,285 ) — 6,628 — 6,628 Effect of foreign exchange rates — (519 ) — (519 ) — 5,908 — 5,908 Variance $ 1,139 $ (3,539 ) $ (4,845 ) $ (7,245 ) $ 50,352 $ 17,107 $ 1,929 $ 69,388 The $5,899 of favorable prior year development for Property and Casualty on a combined basis for the incurred development tables relates to Loss and Allocated Claims Adjustment Expenses (“ALAE”), which does not include ULAE and other items excluded from the development tables as identified in the reconciliation table and further identified in the prior accident year incurred reconciliation table above. The reserve rollforward table shows prior year development for Loss and LAE, which includes development from ULAE and other items excluded from the development tables as identified in the reconciliation table and further identified in the prior accident year incurred reconciliation table above. Unfavorable prior year development of $1,139 in total attributable to liabilities excluded from the incurred development tables resulted in total P&C Loss and LAE favorable prior year development of $4,760 shown in the reserve rollforward table. The $27,438 of favorable prior year development for Accident and Health shown in the incurred development table relates to Loss and ALAE, which does not include ULAE and other items excluded from the development tables as identified in the reconciliation table and further identified in the prior accident year incurred reconciliation table above. The reserve rollforward table shows prior year development for Loss and LAE, which includes prior year development from ULAE and other items excluded from the development tables as identified in the reconciliation table and further identified in the prior accident year incurred reconciliation table above. Favorable prior year development of $3,539 in total attributable to liabilities excluded from the incurred development table resulted in total Accident and Health Loss and LAE favorable prior year development of $30,977 shown in the reserve rollforward table. The $6,548 of unfavorable prior year development for the Reciprocal Exchanges on a combined basis for the incurred development tables relates to Loss and ALAE, which does not include ULAE and other items excluded from the development tables as identified in the reconciliation table and further identified in the prior accident year incurred reconciliation table above. The reserve rollforward table shows prior year development for Loss and LAE, which includes development from ULAE and other items excluded from the development tables as identified in the reconciliation table and further identified in the prior accident year incurred reconciliation table above. Favorable prior year development of $4,845 in total attributable to liabilities excluded from the incurred development tables resulted in total Reciprocal Exchanges Loss and LAE unfavorable prior year development of $1,703 shown in the reserve rollforward table. Methodology for Estimating Incurred-But-Not-Reported Reserves Loss and loss adjustment expense reserves represent management's estimate of the ultimate liability for claims that have been reported and claims that have been incurred but not yet reported as of the balance sheet date. Because the establishment of loss and loss adjustment expense reserves is a process involving estimates and judgment, currently estimated reserves may change. The Company reflects changes to the reserves in the results of operations for the period during which the estimates are changed. Incurred-but-not-reported reserve estimates are generally calculated by first projecting the ultimate cost of all claims that have occurred and then subtracting reported losses and loss expenses. Reported losses include cumulative paid losses and loss expenses plus case reserves. Therefore, the IBNR also includes provision for expected development on reported claims. The Company’s internal actuarial analysis of the historical data provides the factors the Company uses in its actuarial analysis in estimating its loss and LAE reserves. These factors are implicit measures over time of claims reported, average case incurred amounts, case development, severity and payment patterns. However, these factors cannot be directly used as they do not take into consideration changes in business mix, claims management, regulatory issues, medical trends, and other subjective factors. The Company generally uses a combination of actuarial factors and subjective assumptions in the development of up to seven of the following actuarial methodologies: • Paid Development Method - uses historical, cumulative paid losses by accident year and develops those actual losses to estimated ultimate losses based upon the assumption that each accident year will develop to estimated ultimate cost in a manner that is analogous to prior years. • Paid Generalized Cape Cod Method - combines the Paid Development Method with the expected loss method, where the expected loss ratios are estimated from exposure and claims experience weighted across multiple accident periods. The selected expected loss ratio for a given accident year is derived by giving some weight to all of the accident years in the experience history rather than treating each accident year independently. • Paid Bornhuetter-Ferguson Method - a combination of the Paid Development Method and the Expected Loss Method, the Paid Bornhuetter-Ferguson Method estimates ultimate losses by adding actual paid losses and projected future unpaid losses. The amounts produced are then added to cumulative paid losses to produce the final estimates of ultimate incurred losses. • Incurred Development Method - uses historical, cumulative incurred losses by accident year and develops those actual losses to estimated ultimate losses based upon the assumption that each accident year will develop to estimated ultimate cost in a manner that is analogous to prior years. • Incurred Generalized Cape Cod Method - combines the Incurred Development Method with the expected loss method, where the expected loss ratios are estimated from exposure and claims experience weighted across multiple accident periods. The selected expected loss ratio for a given accident year is derived by giving some weight to all of the accident years in the experience history rather than treating each accident year independently. • Incurred Bornhuetter - Ferguson Method - a combination of the Incurred Development Method and the Expected Loss Method, the Incurred Bornhuetter-Ferguson Method estimates ultimate losses by adding actual incurred losses and projected future unreported losses. The amounts produced are then added to cumulative incurred losses to produce an estimate of ultimate incurred losses. • Expected Loss Method - utilizes an expected ultimate loss ratio based on historical experience adjusted for trends multiplied by earned premium to project ultimate losses. For each method, losses are projected to the ultimate amount to be paid. The Company then analyzes the results and may emphasize or deemphasize some or all of the outcomes to reflect actuarial judgment regarding their reasonableness in relation to supplementary information and operational and industry changes. These outcomes are then aggregated to produce a single selected point estimate that is the basis for the internal actuary’s point estimate for loss reserves. Methodology for Determining Cumulative Number of Reported Claims When the Company is notified of an incident of potential liability that may lead to demand for payment(s), a claim file is created. Methods used to summarize claim counts have not changed significantly over the time periods

Reinsurance

Reinsurance	12 Months Ended
	Dec. 31, 2018
Insurance [Abstract]
Reinsurance	Reinsurance The Company’s insurance subsidiaries utilize reinsurance agreements to transfer portions of the underlying risk of the business the Company writes to various affiliated and third-party reinsurance companies. Reinsurance does not discharge or diminish the Company’s obligation to pay claims covered by the insurance policies it issues; however, it does permit the Company to recover certain incurred losses from its reinsurers and the Company’s reinsurance recoveries reduce the maximum loss that it may incur as a result of a covered loss event. The Company’s reinsurers generally carry at least an A.M. Best rating of “ A- ” ( Excellent ) or are fully collateralized at the time they enter into the Company’s reinsurance agreements. The Company also enters into reinsurance relationships with third-party captives formed by agents as a mechanism for sharing risk and profit. The total amount, cost and limits relating to the reinsurance coverage the Company purchases may vary from year to year based upon a variety of factors, including the availability of quality reinsurance at an acceptable price and the level of risk that the Company chooses to retain for its own account. The Company assumes and cedes insurance risks under various reinsurance agreements, on both a pro rata basis and excess of loss basis. The Company purchases reinsurance to mitigate the volatility of direct and assumed business, which may be caused by the aggregate value or the concentration of written exposures in a particular geographic area or business segment and may arise from catastrophes or other events. The Company pays a premium as consideration for ceding the risk. Reinsurance recoverable summary is as follows: December 31, 2018 2017 Reinsurance recoverable on paid losses $ 326,596 $ 164,422 Reinsurance recoverable on unpaid losses 1,285,142 1,129,743 Reinsurance recoverable $ 1,611,738 $ 1,294,165 The following is the effect of reinsurance on unpaid loss and LAE reserves and unearned premiums: December 31, 2018 2017 Assumed Ceded Assumed Ceded Unpaid Loss and LAE reserves $ 84,469 $ 1,285,142 $ 134,246 $ 1,129,743 Unearned premiums 21,015 665,674 45,182 517,122 The following is a summary of effects of reinsurance on premiums and losses: Year Ended December 31, 2018 2017 2016 Premium: Written Earned Written Earned Written Earned Direct $ 5,317,742 $ 5,049,512 $ 4,637,911 $ 4,233,184 $ 2,964,188 $ 2,718,103 Assumed 99,097 123,265 118,074 239,230 536,710 687,829 Total Gross Premium 5,416,839 5,172,777 4,755,985 4,472,414 3,500,898 3,405,932 Ceded (1,589,126 ) (1,440,575 ) (1,178,390 ) (818,238 ) (428,202 ) (410,761 ) Net Premium $ 3,827,713 $ 3,732,202 $ 3,577,595 $ 3,654,176 $ 3,072,696 $ 2,995,171 Year Ended December 31, 2018 2017 2016 Assumed Ceded Assumed Ceded Assumed Ceded Loss and LAE $ 29,290 $ 1,041,286 $ 128,418 $ 790,524 $ 409,046 $ 463,603 Quota Share Agreements Effective July 1, 2017 , the Company entered into an Auto Quota Share Agreement (the “Auto Quota Share Agreement”) covering the Company’s auto lines of business, under which the Company cedes 15.0% of net liability under auto policies in force as of the effective date and new and renewal policies issued during the two -year term of the agreement to an unaffiliated third-party reinsurance provider. Under the Auto Quota Share Agreement, the Company receives a 31.2% provisional ceding commission on premiums ceded to the reinsurer during the term of the Auto Quota Share Agreement, subject to a sliding scale adjustment to a maximum of 32.8% if the loss ratio for the reinsured business is 63.4% or less and a minimum of 29.6% if the loss ratio is 66.6% or higher. The liability of the reinsurer is capped at $5,000 per risk or $70,000 per event. The Company retains the flexibility, under certain conditions, to increase the cession percentage up to a maximum cession of 30.0% and to decrease the cession percentage to a minimum cession of 10.0% during 2018 and 5.0% during 2019. Effective January 1, 2019, the Company cedes 7.0% of net liability under new and renewal auto policies written on or after January 1, 2019. Effective July 1, 2017 , the Company entered into a Homeowners Quota Share Agreement (the “HO Quota Share Agreement”) covering the Company’s homeowners line of business, under which the Company cedes 29.6% of net liability under homeowners policies, including lender-placed property policies, in force as of the effective date and new and renewal policies issued during the two -year term of the agreement to unaffiliated third-party reinsurance providers. Under the HO Quota Share Agreement, the Company receives a 42.5% ceding commission on premiums ceded to the reinsurers during the term of the HO Quota Share Agreement. The liability of the reinsurers is capped at $5,000 per risk or $70,000 per event. Effective May 1, 2018, the Company cedes an additional 12.4% of net liability (for a total cession of 42.0% ) and receives a 38.0% ceding commission on the additional 12.4% in ceded premiums. Catastrophe Reinsurance As of May 1, 2018, the Company’s reinsurance property catastrophe excess of loss program, protecting the Company against catastrophic events and other large losses, provides a total of $575,000 in coverage with a $70,000 retention, with one reinstatement. Effective July 1, 2018, the casualty program provides $35,000 in coverage in excess of a $5,000 retention. The Company pays a premium as consideration for ceding the risk. As of July 1, 2017, a reinsurance property catastrophe excess of loss program went into effect protecting the Reciprocal Exchanges against accumulations of losses resulting from a catastrophic event. The property catastrophe program provided a total of $375,000 in coverage with a $20,000 retention, with one reinstatement. Effective July 1, 2018, the Reciprocal Exchanges renewed their property catastrophe excess of loss program providing a total of $475,000 in coverage with a $20,000 retention, with one reinstatement. Industry Pools and Facilities The Company’s reinsurance transactions include premiums written under state-mandated involuntary plans for commercial vehicles and premiums ceded to state-provided reinsurance facilities such as Michigan Catastrophic Claims Association (“MCCA”) and North Carolina Reinsurance Facility (“NCRF” or “the Facility”) (collectively, “State Plans”), for which it retains no loss indemnity risk. Prepaid reinsurance premiums are earned on a pro rata basis over the period of risk, based on a daily earnings convention, which is consistent with premiums written. MCCA is a reinsurance mechanism that covers no-fault first party medical losses of retentions in excess of $545 in the first half of 2017 and $555 until June 30, 2019. Insurers are reimbursed for their covered losses in excess of this threshold. All automobile insurers doing business in Michigan are required to participate in MCCA. Funding for MCCA comes from assessments against automobile insurers based upon their share of insured automobiles in the state. Insurers are allowed to pass along this cost to Michigan automobile policyholders. Reinsurance recoverables from MCCA are as follows: December 31, 2018 2017 Reinsurance recoverable on paid losses $ 7,470 $ 7,948 Reinsurance recoverable on unpaid losses 590,188 661,562 The following is a summary of premiums and losses ceded to MCCA: Year Ended December 31, 2018 2017 2016 Ceded earned premiums $ 9,676 $ 9,323 $ 9,404 Ceded Loss and LAE (54,105 ) 14,304 26,510 NCRF is a mechanism for pooling of insurance risks for insureds who cannot obtain coverage by ordinary methods. Under the Facility law, licensed and writing carriers and agents must accept and insure any eligible applicant for coverages and limits which may be ceded to the Facility. The Facility accepts cession of bodily injury and property damage liability, medical payments, and uninsured and combined uninsured/underinsured motorist’s coverages. Funding for the NCRF comes from collected premiums from automobile insurers based upon the provided coverage of the insured automobiles in the state. Reinsurance recoverables from NCRF are as follows: December 31, 2018 2017 Reinsurance recoverable on paid losses $ 36,418 $ 34,698 Reinsurance recoverable on unpaid losses 134,916 118,701 The following is a summary of premiums and losses ceded to NCRF: Year Ended December 31, 2018 2017 2016 Ceded earned premiums $ 232,270 $ 190,809 $ 165,491 Ceded Loss and LAE 210,297 186,051 173,926 The Company believes that it is unlikely to incur any material loss as a result of non-payment of amounts owed to the Company by MCCA and NCRF because (i) the payment obligations are extended over many years, resulting in relatively small current payment obligations, (ii) both MCCA and NCRF are supported by assessments permitted by statute, and (iii) the Company has not historically incurred losses as a result of non-payment. Because MCCA and NCRF are supported by assessments permitted by statute, and there have been no significant and uncollectible balances from MCCA and NCRF, the Company believes that it has no significant exposure to uncollectible reinsurance balances from these entities. The Company has a concentration of credit risk associated with its reinsurance recoverables and premiums ceded to reinsurers. The following tables present information for each reinsurer by reinsurance recoverable, prepaid reinsurance and funds held balances: Recoverable on December 31, 2018 A.M. Best Rating Unpaid Losses Paid Losses Prepaid Reinsurance Funds Held Net Reinsurer: MCCA NR $ 590,188 $ 7,470 $ 3,894 $ — $ 601,552 NCRF NR 134,916 36,418 82,550 — 253,884 Hannover Ruck SE A+ 182,184 120,624 192,700 (282,129 ) 213,379 Related Parties Various 5,681 1,744 — — 7,425 Other reinsurers' balances - each less than 5% of total A- or higher 372,173 160,340 386,530 (4,861 ) 914,182 Total $ 1,285,142 $ 326,596 $ 665,674 $ (286,990 ) $ 1,990,422 NGHC $ 1,207,163 $ 287,507 $ 529,241 $ (286,990 ) $ 1,736,921 Reciprocal Exchanges 77,979 39,089 136,433 — 253,501 Total $ 1,285,142 $ 326,596 $ 665,674 $ (286,990 ) $ 1,990,422 Recoverable on December 31, 2017 A.M. Best Unpaid Paid Prepaid Funds Held Net Reinsurer: MCCA NR $ 661,562 $ 7,948 $ 3,948 $ — $ 673,458 NCRF NR 118,701 34,698 78,105 — 231,504 Hannover Ruck SE A+ 97,208 40,725 169,704 (180,222 ) 127,415 Related Parties Various 11,301 4,387 — — 15,688 Other reinsurers' balances - each less than 5% of total A- or higher 240,971 76,664 265,365 (6,742 ) 576,258 Total $ 1,129,743 $ 164,422 $ 517,122 $ (186,964 ) $ 1,624,323 NGHC $ 1,077,335 $ 122,626 $ 416,142 $ (186,942 ) $ 1,429,161 Reciprocal Exchanges 52,408 41,796 100,980 (22 ) 195,162 Total $ 1,129,743 $ 164,422 $ 517,122 $ (186,964 ) $ 1,624,323 Funds held for reinsurers are recorded within reinsurance payable in the Consolidated Balance Sheets. Additionally, collateral is available to the Company in the form of letters of credit and trust agreements in the amounts of $165,004 and $93,176 , as of December 31, 2018 and 2017 , respectively. See Note 13 , “ Related Party Transactions

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The Company files a consolidated Federal income tax return. The Reciprocal Exchanges are not included in the Company’s consolidated tax return as the Company does not have an ownership interest in the Reciprocal Exchanges, and they are not a part of the consolidated tax sharing agreement among the Company and its subsidiaries. Federal income tax expense consisted of the following: Year Ended December 31, 2018 2017 2016 NGHC Reciprocal Exchanges Total NGHC Reciprocal Exchanges Total NGHC Reciprocal Exchanges Total Current tax expense (benefit) Federal $ 27,039 $ (2,290 ) $ 24,749 $ 13,876 $ 2,840 $ 16,716 $ 61,893 $ 857 $ 62,750 Foreign 1,376 — 1,376 2,057 — 2,057 5,119 — 5,119 Total current tax expense (benefit) $ 28,415 $ (2,290 ) $ 26,125 $ 15,933 $ 2,840 $ 18,773 $ 67,012 $ 857 $ 67,869 Deferred tax expense (benefit) Federal $ 28,015 $ (1,260 ) $ 26,755 $ 59,304 $ (8,485 ) $ 50,819 $ (4,195 ) $ (10,648 ) $ (14,843 ) Foreign 604 — 604 (8,319 ) — (8,319 ) (19,028 ) — (19,028 ) Total deferred tax expense (benefit) $ 28,619 $ (1,260 ) $ 27,359 $ 50,985 $ (8,485 ) $ 42,500 $ (23,223 ) $ (10,648 ) $ (33,871 ) Provision (benefit) for income taxes $ 57,034 $ (3,550 ) $ 53,484 $ 66,918 $ (5,645 ) $ 61,273 $ 43,789 $ (9,791 ) $ 33,998 The domestic and foreign components of income before taxes are as follows: Year Ended December 31, 2018 2017 2016 NGHC Reciprocal Total NGHC Reciprocal Total NGHC Reciprocal Total Domestic $ 244,463 $ (43,380 ) $ 201,083 $ 221,833 $ (9,282 ) $ 212,551 $ 201,372 $ 10,764 $ 212,136 Foreign 19,925 — 19,925 (49,070 ) — (49,070 ) 18,236 — 18,236 Income (loss) $ 264,388 $ (43,380 ) $ 221,008 $ 172,763 $ (9,282 ) $ 163,481 $ 219,608 $ 10,764 $ 230,372 The Tax Cuts and Jobs Act was enacted on December 22, 2017 (the “TCJA”). The TCJA reduced the U.S. federal corporate tax rate from 35% to 21% , and enacted other changes to the tax code impacting the Company and the overall insurance industry. This included a one-time transition tax on earnings of certain foreign subsidiaries that were previously deferred, new taxes on certain foreign sourced earnings, limitations on deductibility of executive compensation, and changes to loss reserve discounting. These provisions will result in an increase in the Company’s taxable income in the tax years occurring after December 31, 2017. As of December 31, 2017, the Company was able to record provisional amounts under Staff Accounting Bulletin No. 118 for the effects of the TCJA in the amount of $25,783 for NGHC and $(5,194) for the Reciprocals Exchanges. As of December 31, 2018 , the Company has completed the accounting for the tax effects of enactment of the TCJA. For the year ended December 31, 2018 , the Company recognized additional provision (benefit) for income tax of $(951) for NGHC and $(366) for the Reciprocal Exchanges . Broader application of the TCJA include the reduction or elimination of certain items such as a limitation on deductibility of certain executive compensation costs and disallowance of entertainment expenses. These provisions resulted in an increase in the Company’s taxable income in the tax years occurring after December 31, 2017. As of December 31, 2018 , the Company has completed the accounting for the tax effects of enactment of the TCJA. For the years ended December 31, 2018 and 2017 , the Company recognized additional provision (benefit) for income tax of $(1,317) and $20,589 , respectively, related to the TCJA. Under the TCJA, undistributed Post-1986 earnings and profits (“E&P”) previously deferred from U.S. income taxes are subject to a one-time transition tax. The Company finalized its calculations during 2018 , and accumulated E&P deficit of $114,417 based on these results the Company was not subject to the newly enacted transition tax. The TCJA includes provisions for Global Intangible Low-Taxed Income (“GILTI”), which imposes a minimum tax on global intangible low-tax income, defined as the excess income of foreign subsidiaries over a 10 percent rate of routine return on tangible business assets, and for Base Erosion and Anti-Abuse tax (“BEAT”) which imposes tax on certain base eroding payments to affiliated foreign companies. Consistent with accounting guidance, the Company will treat both GITLI and BEAT as an in period tax charge when incurred in future periods for which no deferred taxes need be provided. The Company analyzed the impact of both GILTI and BEAT on its operations for the period and determined that for the year ended December 31, 2018 , the Company was not subject to either tax. Deferred income taxes are recognized for the future tax consequences of temporary differences between the financial statement carrying amounts and the tax bases of assets and liabilities. The tax effects of temporary differences that give rise to the net deferred tax asset or liability are presented below based upon the 2018 enacted rate of 21% . December 31, 2018 2017 NGHC Reciprocal Total NGHC Reciprocal Total Deferred tax assets: Accrued expenses $ 6,481 $ — $ 6,481 $ 8,195 $ 5,249 $ 13,444 Unearned premiums and other revenue 57,573 4,128 61,701 60,298 4,279 64,577 Bad debt 4,021 222 4,243 3,887 33 3,920 Depreciation — 93 93 3,878 53 3,931 Loss reserve discount 9,902 767 10,669 10,509 953 11,462 Net operating loss carryforwards 87,457 11,403 98,860 35,921 3,905 39,826 Capital loss carryforwards — — — 4,037 190 4,227 Foreign currency translation 3,850 — 3,850 2,076 — 2,076 Unrealized capital losses 10,013 1,236 11,249 — — — Other 10,672 712 11,384 7,646 1,062 8,708 Gross deferred tax assets 189,969 18,561 208,530 136,447 15,724 152,171 Less: Valuation allowance (53,716 ) (6,628 ) (60,344 ) — (5,410 ) (5,410 ) Total deferred tax assets 136,253 11,933 148,186 136,447 10,314 146,761 Deferred tax liabilities: Deferred acquisition costs 47,415 4,201 51,616 43,311 4,376 47,687 Intangible assets 42,264 918 43,182 46,103 914 47,017 Loss reserve discount earnout — — — 3,649 313 3,962 Goodwill 3,007 — 3,007 1,893 — 1,893 Premises and equipment 18,920 — 18,920 2,040 — 2,040 Surplus note interest — 12,355 12,355 — 13,003 13,003 Other 1,090 255 1,345 777 91 868 Gross deferred tax liabilities 112,696 17,729 130,425 97,773 18,697 116,470 Deferred tax asset $ 23,557 $ — $ 23,557 $ 38,674 $ — $ 38,674 Deferred tax liability $ — $ (5,796 ) $ (5,796 ) $ — $ (8,383 ) $ (8,383 ) Excluding the Reciprocal Exchanges, there were $53,716 and $0 of deferred tax asset valuation allowances as of December 31, 2018 and 2017 , respectively. In assessing the reliability of gross deferred tax assets, management considers whether it is more likely than not that some portion or all of the gross deferred tax assets will not be realized. Management considers the scheduled reversal of deferred tax liabilities, projected future taxable income and tax planning strategies in making this assessment. During 2018 the Company recognized significant increases in its Net Operating Loss carryforwards (“NOL”) related to foreign operations. Management believes that it is more likely than not that the results of future operations will not generate sufficient taxable income to realize all of the deferred tax assets related to the NOLs from foreign operations within a reasonable time period. As such, the Company recorded a valuation allowance of $53,716 against these NOLs. For the Reciprocal Exchanges, the Company had a partial valuation allowance against the net deferred tax assets as of December 31, 2018 and 2017 , respectively, and no tax benefit from consolidated pre-tax losses generated for the years ended December 31, 2018 and 2017 , was recognized. For the year ended December 31, 2018 , for the New Jersey Skylands Insurance Association consolidated group (“NJSIA”), has negative evidence in the form of a multi-year history of net operating losses for tax purposes that supported the determination that the realized net deferred tax asset should be fully reserved. Excluding the Reciprocal Exchanges, the Company had U.S. federal NOLs of $58,082 , $64,795 and $65,237 available for tax purposes for the years ended December 31, 2018 , 2017 and 2016 , respectively. The NOLs expire between December 31, 2029 and December 31, 2036. The Reciprocal Exchanges had NOLs of $54,300 , $18,592 and $16,157 available for the years ended December 31, 2018 , 2017 and 2016 , respectively. The NOLs expire between December 31, 2019 and December 31, 2038. The Company’s income tax expense (benefit) differs from the statutory U.S. federal amount computed by applying the federal income tax rate of 21% for the year ended December 31, 2018 and 35% for the years ending December 31, 2017 and 2016 . The reasons for such differences are as follows: Year Ended December 31, 2018 NGHC Tax Rate Reciprocal Exchanges Tax Rate Total Tax Rate Income (loss) before provision for income taxes $ 264,388 $ (43,380 ) $ 221,008 Tax rate 21.0 % 21.0 % 21.0 % Computed “expected” tax expense $ 55,521 21.0 % $ (9,110 ) 21.0 % $ 46,411 21.0 % Tax effects resulting from: Tax-exempt interest (910 ) (0.3 ) (30 ) 0.1 (940 ) (0.4 ) Effect of foreign operations 2,807 1.1 — — 2,807 1.3 State taxes 4,578 1.7 — — 4,578 2.1 Change in valuation allowance 53,716 20.3 1,218 (2.8 ) 54,934 24.9 Benefits of operating loss carryforwards (53,716 ) (20.3 ) — — (53,716 ) (24.3 ) Effects of TCJA (951 ) (0.4 ) (366 ) 0.8 (1,317 ) (0.6 ) Other permanent items (4,011 ) (1.5 ) 4,738 (10.9 ) 727 0.2 Provision (benefit) for income taxes $ 57,034 21.6 % $ (3,550 ) 8.2 % $ 53,484 24.2 % Year Ended December 31, 2017 NGHC Tax Rate Reciprocal Exchanges Tax Rate Total Tax Rate Income (loss) before provision for income taxes $ 172,763 $ (9,282 ) $ 163,481 Tax rate 35.0 % 35.0 % 35.0 % Computed “expected” tax expense $ 60,467 35.0 % $ (3,249 ) 35.0 % $ 57,218 35.0 % Tax effects resulting from: Tax-exempt interest (2,634 ) (1.5 ) (110 ) 1.2 (2,744 ) (1.7 ) Effect of foreign operations (4,940 ) (2.9 ) — — (4,940 ) (3.0 ) Goodwill impairment 1,709 1.0 — — 1,709 1.0 Statutory equalization reserves (8,319 ) (4.8 ) — — (8,319 ) (5.1 ) Change in valuation allowance — — (1,725 ) 18.6 (1,725 ) (1.1 ) Effects of TCJA 25,783 14.9 (5,194 ) 56.0 20,589 12.6 Other permanent items (5,148 ) (3.0 ) 4,633 (50.0 ) (515 ) (0.2 ) Provision (benefit) for income taxes $ 66,918 38.7 % $ (5,645 ) 60.8 % $ 61,273 37.5 % Year Ended December 31, 2016 NGHC Tax Rate Reciprocal Exchanges Tax Rate Total Tax Rate Income before provision for income taxes $ 219,608 $ 10,764 $ 230,372 Tax rate 35.0 % 35.0 % 35.0 % Computed “expected” tax expense $ 76,862 35.0 % $ 3,767 35.0 % $ 80,629 35.0 % Tax effects resulting from: Tax-exempt interest (3,212 ) (1.5 ) (149 ) (1.4 ) (3,361 ) (1.5 ) Effect of foreign operations (13,416 ) (6.1 ) — — (13,416 ) (5.8 ) Goodwill impairment 1,023 0.5 — — 1,023 0.4 Statutory equalization reserves (5,898 ) (2.7 ) — — (5,898 ) (2.6 ) State taxes 4,824 2.2 — — 4,824 2.1 Change in valuation allowance — — (10,160 ) (94.4 ) (10,160 ) (4.4 ) Bargain purchase gain (8,508 ) (3.9 ) — — (8,508 ) (3.7 ) Other permanent items (7,886 ) (3.6 ) (3,249 ) (30.2 ) (11,135 ) (4.7 ) Provision (benefit) for income taxes $ 43,789 19.9 % $ (9,791 ) (91.0 )% $ 33,998 14.8 % As permitted by ASC 740, “Income Taxes,” the Company recognizes interest and penalties, if any, related to unrecognized tax positions in its income tax provision. To date the Company does not have any unrecognized tax positions and, therefore, has not recorded any related interest and penalties, as of December 31, 2018 . No interest or penalties have been recorded by the Company for the years ended December 31, 2018 , 2017 and 2016 . The Company does not anticipate any significant changes to its total unrecognized tax liabilities in the next 12 months.

Debt

Debt	12 Months Ended
	Dec. 31, 2018
Debt Disclosure [Abstract]
Debt	Debt 6.75% Notes due 2024 The Company previously issued $350,000 aggregate principal amount of the Company’s 6.75% notes due 2024 (the “ 6.75% Notes”) to certain purchasers in two private placements. The net proceeds the Company received from the issuances were approximately $343,850 , after deducting issuance expenses. The 6.75% Notes bear interest at a rate equal to 6.75% per year, payable semiannually in arrears on May 15 and November 15 of each year. The 6.75% Notes are the Company’s general unsecured obligations and rank equally in right of payment with its other existing and future senior unsecured indebtedness and senior in right of payment to any of its indebtedness that is contractually subordinated to the 6.75% Notes. The 6.75% Notes are also effectively subordinated to any of the Company’s existing and future secured indebtedness to the extent of the value of the collateral securing such indebtedness and are structurally subordinated to the existing and future indebtedness of the Company’s subsidiaries (including trade payables). The 6.75% Notes mature on May 15, 2024, unless earlier redeemed or purchased by the Company. Interest expense on the 6.75% Notes for the years ended December 31, 2018 , 2017 and 2016 , was $23,625 , $23,688 and $23,625 , respectively. The indenture contains customary covenants, such as reporting of annual and quarterly financial results, and restrictions on certain mergers and consolidations. The indenture also includes covenants relating to the incurrence of debt if the Company’s consolidated leverage ratio would exceed 0.35 to 1.00 , a limitation on liens, a limitation on the disposition of stock of certain of the Company’s subsidiaries and a limitation on transactions with certain of the Company’s affiliates. The Company was in compliance with all of the covenants contained in the indenture as of December 31, 2018 . 7.625% Subordinated Notes due 2055 The Company previously issued $100,000 aggregate principal amount of the Company’s 7.625% subordinated notes due 2055 (the “ 7.625% Notes”) in a public offering. The net proceeds the Company received from the issuance were approximately $96,550 , after deducting the underwriting discount, commissions and expenses. The 7.625% Notes bear interest at a rate equal to 7.625% per year, payable quarterly in arrears on March 15, June 15, September 15 and December 15 of each year. The 7.625% Notes are the Company’s subordinated unsecured obligations and rank (i) senior in right of payment to any future junior subordinated debt, (ii) equal in right of payment with any unsecured, subordinated debt that the Company incurs in the future that ranks equally with the 7.625% Notes, and (iii) subordinate in right of payment to any of the Company’s existing and future senior debt, including amounts outstanding under the Company’s revolving credit facility, the Company’s 6.75% notes and certain of the Company’s other obligations. In addition, the 7.625% Notes are structurally subordinated to all existing and future indebtedness, liabilities and other obligations of the Company’s subsidiaries. The 7.625% Notes mature on September 15, 2055, unless earlier redeemed or purchased by the Company. Interest expense on the 7.625% Notes for the years ended December 31, 2018 , 2017 and 2016 , was $7,625 , $7,454 and $7,625 , respectively. The indenture contains customary covenants, such as reporting of annual and quarterly financial results, and restrictions on certain mergers and consolidations. The indenture also includes covenants relating to the incurrence of debt if the Company’s consolidated leverage ratio would exceed 0.35 to 1.00 , a limitation on liens, a limitation on the disposition of stock of certain of the Company’s subsidiaries and a limitation on transactions with certain of the Company’s affiliates. The Company was in compliance with all of the covenants contained in the indenture as of December 31, 2018 . Subordinated Debentures The Company’s subsidiary, Direct General Corporation, is the issuer of junior subordinated debentures (the “Subordinated Debentures”) relating to an issuance of trust preferred securities. The Subordinated Debentures require interest-only payments to be made on a quarterly basis, with principal due at maturity. The Subordinated Debentures’ principal amounts of $41,238 and $30,930 mature on 2035 and 2037 , respectively, and bear interest at an annual rate equal to LIBOR plus 3.40% and LIBOR plus 4.25% , respectively. The Subordinated Debentures are redeemable by the Company at a redemption price equal to 100% of their principal amount. Interest expense on the Subordinated Debentures for the years ended December 31, 2018 , 2017 and 2016 was $4,346 , $3,768 and $546 , respectively. Imperial-related Debt The Company’s subsidiary, Imperial Fire and Casualty Insurance Company, was the issuer of $5,000 principal amount of Surplus Notes due 2034 (“Imperial Surplus Notes”). The notes bore interest at an annual rate equal to LIBOR plus 4.05% , payable quarterly. On May 15, 2018, the Company redeemed the Imperial Surplus Notes. Interest expense on the Imperial Surplus Notes for the years ended December 31, 2018 , 2017 and 2016 was $108 , $265 and $240 , respectively. SPCIC-related Debt The Company’s subsidiary, Standard Property and Casualty Insurance Company, was the issuer of $4,000 principal amount of Surplus Notes due 2033 (“SPCIC Surplus Notes”). The notes bore interest at an annual rate equal to LIBOR plus 4.15% , payable quarterly. On April 2, 2018, the Company redeemed the SPCIC Surplus Notes. Interest expense on the SPCIC Surplus Notes for the years ended December 31, 2018 , 2017 and 2016 was $58 , $217 and $51 , respectively. Revolving Credit Agreement On January 25, 2016 , the Company entered into a credit agreement (the “Credit Agreement”), among JPMorgan Chase Bank, N.A., as Administrative Agent, KeyBank National Association as Syndication Agent, and Associated Bank, National Association and First Niagara Bank, N.A., as Co-Documentation Agents, and the various lending institutions party thereto. The credit facility is currently a $245,000 base revolving credit facility with a letter of credit sublimit of $112,500 and a remaining expansion feature of up to $30,000 . Proceeds of borrowings under the Credit Agreement may be used for working capital, acquisitions and general corporate purposes. The Credit Agreement has a maturity date of January 25, 2020 . The Credit Agreement contains certain restrictive covenants customary for facilities of this type (subject to negotiated exceptions and baskets), including restrictions on indebtedness, liens, acquisitions and investments, restricted payments and dispositions. There are also financial covenants that require the Company to maintain a minimum consolidated net worth, a maximum consolidated leverage ratio, a minimum fixed charge coverage ratio, a minimum risk-based capital and a minimum statutory surplus. The Credit Agreement also provides for customary events of default, with grace periods where customary, including failure to pay principal when due, failure to pay interest or fees within three business days after becoming due, failure to comply with covenants, breaches of representations and warranties, default under certain other indebtedness, certain insolvency or receivership events affecting the Company and its subsidiaries, the occurrence of certain material judgments, or a change in control of the Company. Upon the occurrence and during the continuation of an event of default, the administrative agent, upon the request of the requisite percentage of the lenders, may terminate the obligations of the lenders to make loans and to issue letters of credit under the Credit Agreement, declare the Company’s obligations under the Credit Agreement to become immediately due and payable and/or exercise any and all remedies and other rights under the Credit Agreement. Borrowings under the Credit Agreement bear interest at either the Alternate Base Rate (“ABR”) or LIBOR. ABR borrowings (which are borrowings bearing interest at a rate determined by reference to the ABR) under the Credit Agreement will bear interest at the greatest of (a) the prime rate in effect on such day, (b) the federal funds effective rate on such day plus 0.5 percent or (c) the adjusted LIBOR for a one-month interest period on such day plus 1.0 percent . Eurodollar borrowings under the Credit Agreement will bear interest at the adjusted LIBOR for the interest period in effect. Fees payable by the Company under the Credit Agreement include a letter of credit participation fee (the margin applicable to Eurodollar borrowings), a letter of credit fronting fee with respect to each letter of credit ( 0.125% ) and a commitment fee on the available commitments of the lenders (a range of 0.20% to 0.30% based on the Company’s consolidated leverage ratio, and which rate was 0.25% as of December 31, 2018 ). As of December 31, 2018 , there was $160,000 outstanding under the Credit Agreement. The weighted average interest rate on the amount outstanding as of December 31, 2018 was 4.58% . Interest payments are due the last day of the interest period in intervals of three months duration, commencing on the date of such borrowing. Interest expense on the Credit Agreement for the years ended December 31, 2018 , 2017 and 2016 was $7,491 , $4,229 and $945 respectively. The Company was in compliance with all of the covenants under the Credit Agreement as of December 31, 2018 . On February 25, 2019 the Company repaid the Credit Agreement and entered into a new credit agreement (the “ 2019 Credit Agreement ”), among JPMorgan Chase Bank, N.A., as Administrative Agent, KeyBank National Association and Fifth Third Bank, as Syndication Agents, and the various lending institutions party thereto. The 2019 Credit Agreement is currently a $340,000 base revolving credit facility with a letter of credit sublimit of $150,000 and a expansion feature of up to $50,000 . Any borrowing under the 2019 Credit Agreement will bear interest at LIBOR plus 1.75% and a commitment fee of 0.225% depending on our leverage ratio. The 2019 Credit Agreement has a maturity date of February 24, 2023 . As of February 25, 2019 , there was $160,000 outstanding under the 2019 Credit Agreement . Maturities of the Company’s debt for the five years subsequent to December 31, 2018 are as follows: December 31, 2019 2020 2021 2022 2023 Thereafter Total 6.75% Notes $ — $ — $ — $ — $ — $ 350,000 $ 350,000 7.625% Notes — — — — — 100,000 100,000 Subordinated Debentures — — — — — 72,168 72,168 Credit Agreement — 160,000 — — — — 160,000 Total principal amount of debt $ — $ 160,000 $ — $ — $ — $ 522,168 $ 682,168 Less: Unamortized debt issuance costs and unamortized discount (6,719 ) Carrying amount of debt $ 675,449

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2018
Related Party Transactions [Abstract]
Related Party Transactions	Related Party Transactions The significant shareholder of the Company has an ownership interest in AmTrust, Maiden Holdings Ltd. (“Maiden”) and ACP Re. The Company provides and receives services to and from these related entities as follows: Agreements with AmTrust Asset Management Agreement Pursuant to an asset management agreement among the Company and AmTrust, the Company paid AmTrust a fee for managing the Company’s investment portfolio. The asset management agreement was terminated effective May 1, 2018. Prior to the termination of this agreement, AmTrust provided investment management services for a quarterly fee of 0.0375% of the average value of assets under management if the average value of the account for the previous calendar quarter was greater than $1 billion . The amounts charged for such expenses were $2,155 , $4,716 and $3,436 for the years ended December 31, 2018 , 2017 and 2016 , respectively. As of December 31, 2018 and 2017 , there was a payable to AmTrust related to these services in the amount of $0 and $1,208 , respectively. Asset Purchase and Master Services Agreements On September 13, 2017 , the Company entered into an asset purchase and license agreement (the “Agreement”) with AmTrust, pursuant to which the Company acquired ownership of a policy management system and the related intellectual property, as well as a non-exclusive perpetual license to certain software programs used by the system (the “System”), for a purchase price of $200,000 , including license fees which would have been payable for use of the System during the third quarter 2017. The purchase price is payable in three equal installments in the amount of $66,667 , with the first payment made upon the execution of the Agreement, the second payment made upon the 6-month anniversary of the Agreement, and the third payment payable upon the later of the completion of the full separation and transfer of the System to the Company’s operating environment and the 18-month anniversary of the Agreement. In addition, the Company will be required to pay AmTrust costs for the implementation of the System within the Company's technology environment (up to $5,000 ). The Agreement also terminated the existing master services agreement between the Company and AmTrust. AmTrust will continue to provide management of the premium receipts from its lockbox facilities during a transition period pursuant to the Agreement under the same terms as those provided under the master services agreement. The Company recorded expenses related to this agreement and the previously existing master services agreement of $10,952 , $41,540 and $51,446 for the years ended December 31, 2018 , 2017 and 2016 , respectively. NGHC Quota Share Agreement The Company participated in a quota share reinsurance treaty with ACP Re, Maiden and AmTrust, whereby the Company ceded 50% of the total net earned premiums, net of a ceding commission, and net incurred losses and LAE on business with effective dates after March 1, 2010 (“NGHC Quota Share”). In August 2013, the Company terminated the NGHC Quota Share agreement on a run-off basis. The net reinsurance recoverable is $7,425 and $15,688 at December 31, 2018 and 2017 , respectively. The net recovery under the agreement was $2,157 , $3,356 and $13,271 during the years ended December 31, 2018 , 2017 and 2016 , respectively. ACP Re and Maiden held assets in trust for the benefit of the Company in the amount of $3,796 and $8,644 , respectively, as of December 31, 2018 and $6,530 and $13,834 , respectively, as of December 31, 2017 . Equity Method Investments The Company has an ownership interest in an LSC Entity, limited liability companies and limited partnerships with related parties. See Note 3 , “ Investments - Equity Method Investments - Related Parties” for additional information. Agreements with ACP Re Credit Agreement The Company is party to a credit agreement (the “ACP Re Credit Agreement”) by and among AmTrust, as administrative agent, ACP Re Holdings, LLC, a Delaware limited liability company owned by a related party trust, the Michael Karfunkel Family 2005 Trust (the “Trust”), as borrower, and AmTrust and the Company, as lenders of $250,000 ( $125,000 each lender). The amounts borrowed are secured by equity interests, cash and, other investments held by ACP Re Holdings, LLC in an amount equal to 115% of the value of the then outstanding loan balance. The maturity date of the loan is September 20, 2036. The interest rate on the outstanding principal balance is a fixed annual rate of 3.7% , provided that up to 1.2% thereof may be paid in kind. The Trust is required to cause ACP Re Holdings, LLC to maintain assets having a value greater than 115% of the value of the then outstanding loan balance, and if there is a shortfall, the Trust will make a contribution to ACP Re Holdings, LLC of assets having a market value of at least the shortfall (the “Maintenance Covenant”). Commencing on September 20, 2026, and for each year thereafter, two percent of the then outstanding principal balance of the loan (inclusive of any amounts previously paid in kind) is due and payable. A change of control of greater than 50% and an uncured breach of the Maintenance Covenant are included as events of default. As of December 31, 2018 and 2017 the Company had a receivable related to the ACP Re Credit Agreement of $127,692 and $126,173 , respectively. The Company recorded interest income of $4,711 , $4,654 and $7,593 for the years ended December 31, 2018 , 2017 and 2016 , respectively, under the ACP Re Credit Agreement. Management determined no impairment reserve was needed for the carrying value of the loan at December 31, 2018 and 2017 based on the collateral levels maintained. Other Related Party Transactions Lease Agreements The Company leases office space at 59 Maiden Lane in New York, New York from 59 Maiden Lane Associates LLC, an entity that is wholly-owned by the Karfunkel family. The lease term is through 2022. The Company paid $830 and $783 in rent for the years ended December 31, 2018 and 2017 , respectively. The Company leases office space at 30 North LaSalle Street, Chicago, Illinois from 30 North LaSalle Street Partners LLC, an entity that is wholly-owned by the Karfunkel family. The lease term is through 2025. The Company paid $302 and $297 in rent for the years ended December 31, 2018 and 2017 , respectively. Use of the Company Aircraft In April 2017, the Company and Barry Karfunkel, Chief Executive Officer of the Company, entered into a time sharing agreement for the use of the Company’s plane. During the years ended December 31, 2018 and 2017 , Mr. Barry Karfunkel reimbursed the Company $29 and $93

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2018
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies Lease Commitments The Company has various lease agreements for office space, store fronts and other assets. The Company is obligated under leases for office space and store fronts expiring at various dates through 2029. The office space and store fronts lease expense for the years ended December 31, 2018 , 2017 and 2016 was $35,723 , $35,435 and $24,772 , respectively. Future minimum lease payments as of December 31, 2018 , for each of the next five years and thereafter are as follows: December 31, Operating Leases Capital Leases Total 2019 $ 32,056 $ 11,146 $ 43,202 2020 26,583 10,951 37,534 2021 20,993 5,990 26,983 2022 16,571 959 17,530 2023 14,237 640 14,877 Thereafter 40,777 660 41,437 Total $ 151,217 $ 30,346 $ 181,563 Litigation The Company’s insurance subsidiaries are named as defendants in various legal actions arising principally from claims made under insurance policies and contracts. Those actions are considered by the Company in estimating the loss and LAE reserves. The Company’s management believes the resolution of those actions will not have a material adverse effect on the Company’s financial position or results of operations. The Company is a defendant in a consolidated multi-district class action litigation in the United States District Court for the Central District of California alleging improper practices in the placement of insurance in the historical and no longer existing collateral protection insurance program for Wells Fargo. Management believes that the Company’s actions were, at all times, in compliance with applicable requirements and that the Company has a meritorious defense in the litigation. Management estimates the probable net pre-tax impact to the Company to resolve this matter is $10,000 . Employment Agreements The Company has entered into employment agreements with certain individuals. The employment agreements provide for bonuses, executive benefits and severance payments under certain circumstances. Amounts payable under these agreements for the next five years are as follows: December 31, 2019 $ 4,928 2020 2,186 2021 990 2022 990 2023 355 Total $ 9,449

Stockholders' Equity

Stockholders' Equity	12 Months Ended
	Dec. 31, 2018
Equity [Abstract]
Stockholders' Equity	Stockholders’ Equity Common Stock On November 19, 2018 , the Company issued 5,750,000 shares of common stock in a public offering. The common stock offering was priced at $24 per share, resulting in net proceeds of approximately $132,230 , after deducting underwriting discount and issuance expenses. Underwriting discount and issuance expenses of approximately $5,770 were charged to additional paid-in capital. Preferred Stock In 2014, the Company completed a public offering of 2,200,000 shares of 7.50% Non-Cumulative Preferred Stock, Series A, $0.01 par value per share (the “Series A Preferred Stock”). Dividends will be payable on the liquidation preference amount of $25 per share, on a non-cumulative basis, when, as and if declared by the Board of Directors, quarterly in arrears on the 15th day of January, April, July and October of each year at an annual rate of 7.50% . Dividends on the Series A Preferred Stock are not cumulative. Accordingly, in the event dividends are not declared on the Series A Preferred Stock for payment on any dividend payment date, then those dividends will not accumulate and will not be payable. If the Company has not declared a dividend before the dividend payment date for any dividend period, the Company will have no obligation to pay dividends for that dividend period, whether or not dividends on the Series A Preferred Stock are declared for any future dividend payment. The Series A Preferred Stock is not redeemable prior to July 15, 2019. After that date, the Company may redeem at its option, in whole or in part, the Series A Preferred Stock at a redemption price of $25 per share, plus any declared and unpaid dividends for prior dividend periods and accrued but unpaid dividends (whether or not declared) for the then current dividend period. In 2015, the Company completed a public offering of 6,600,000 of its depositary shares, each representing a 1/40th interest in a share of its 7.50% Non-Cumulative Preferred Stock, Series B, $0.01 par value per share (the “Series B Preferred Stock”), with a liquidation preference of $1,000 per share (equivalent to $25 per depositary share). Each depositary share entitles the holder to a proportional fractional interest in all rights and preferences of the Series B Preferred Stock represented thereby (including any dividend, liquidation, redemption and voting rights). Dividends on the Series B Preferred Stock represented by the depositary shares will be payable on the liquidation preference amount, on a non-cumulative basis, when, as and if declared by the Company’s Board of Directors, at a rate of 7.50% per annum, quarterly in arrears, on January 15, April 15, July 15, and October 15 of each year. Dividends on the Series B Preferred Stock are not cumulative. Accordingly, in the event dividends are not declared on the Series B Preferred Stock for payment on any dividend payment date, then those dividends will not accumulate and will not be payable. If the Company has not declared a dividend before the dividend payment date for any dividend period, the Company will have no obligation to pay dividends for that dividend period, whether or not dividends on the Series B Preferred Stock are declared for any future dividend payment. The Series B Preferred Stock represented by the depositary shares is not redeemable prior to April 15, 2020. After that date, the Company may redeem at its option, in whole or in part, the Series B Preferred Stock represented by the depositary shares at a redemption price of $1,000 per share (equivalent to $25 per depositary share) plus any declared and unpaid dividends for prior dividend periods and accrued but unpaid dividends (whether or not declared) for the then current dividend period. A total of 6,600,000 depositary shares (equivalent to 165,000 shares of Series B Preferred Stock) were issued. In 2016, the Company completed a public offering of 8,000,000 of its depositary shares, each representing a 1/40th interest in a share of its 7.50% Non-Cumulative Preferred Stock, Series C, $0.01 par value per share (the “Series C Preferred Stock”), with a liquidation preference of $1,000 per share (equivalent to $25 per depositary share). Each depositary share entitles the holder to a proportional fractional interest in all rights and preferences of the Series C Preferred Stock represented thereby (including any dividend, liquidation, redemption and voting rights). Dividends on the Series C Preferred Stock represented by the depositary shares will be payable on the liquidation preference amount, on a non-cumulative basis, when, as and if declared by the Company’s Board of Directors, at a rate of 7.50% per annum, quarterly in arrears, on January 15, April 15, July 15, and October 15 of each year. Dividends on the Series C Preferred Stock are not cumulative. Accordingly, in the event dividends are not declared on the Series C Preferred Stock for payment on any dividend payment date, then those dividends will not accumulate and will not be payable. If the Company has not declared a dividend before the dividend payment date for any dividend period, the Company will have no obligation to pay dividends for that dividend period, whether or not dividends on the Series C Preferred Stock are declared for any future dividend payment. The Series C Preferred Stock represented by the depositary shares is not redeemable prior to July 15, 2021 . After that date, the Company may redeem at its option, in whole or in part, the Series C Preferred Stock represented by the depositary shares at a redemption price of $1,000 per share (equivalent to $25 per depositary share) plus any declared and unpaid dividends for prior dividend periods and accrued but unpaid dividends (whether or not declared) for the then current dividend period. A total of 8,000,000 depositary shares (equivalent to 200,000 shares of Series C Preferred Stock) were issued. On July 11, 2018 , the Company completed a private placement of 120 shares of a new series of preferred stock, par value $0.01 per share, designated as its Fixed/Floating Rate Non-Cumulative Convertible Preferred Stock, Series D (the “Series D Preferred Stock”), with a liquidation preference of $250,000 per share, for aggregate proceeds of $30,000 . Holders of Series D Preferred Stock will be entitled to receive, when, as and if declared by the Company’s board of directors, non-cumulative cash dividends per share at the per annum rate of 7.00% prior to July 15, 2023, and thereafter at the annual rate of six-month LIBOR plus 5.4941% . Dividends will be payable semi-annually in arrears on the 15th day of January and July of each year, commencing on January 15, 2019. On or after July 15, 2023 (or in the event of a fundamental change of the Company, at any time), the Series D Preferred Stock may be converted at the holder’s option into shares of the Company’s common stock at a conversion rate of 6,578.9474 shares of common stock for each share of Series D Preferred Stock, subject to adjustment, which equates to an initial conversion price of $38 per share. In lieu of converting any shares of Series D Preferred Stock, the Company may, at its option, redeem such shares as described below. On or after July 15, 2023 (or in the event of a fundamental change of the Company at any time), the Company will have the right to redeem the Series D Preferred Stock in whole or from time to time in part at a cash redemption price equal to the redemption amount specified in the Certificate of Designations governing the Series D Preferred Stock plus the sum of declared and unpaid dividends for prior dividend periods, if any, and accrued but unpaid dividends for the then-current dividend period (whether or not declared) to the redemption date. In addition, if the Company fails to pay a declared dividend on the Series D Preferred Stock when due and payable, a holder of the Series D Preferred Stock may require the Company to redeem its Series D Preferred Stock in whole or in part. In the case of any redemption, the redemption amount will equal the liquidation preference of the shares of Series D Preferred Stock to be redeemed unless (i) the accumulated earned premium produced under the business collaboration agreement entered into between the Company and the purchaser of the Series D Preferred Stock equals or exceeds $50,000

Benefits Plan

Benefits Plan	12 Months Ended
	Dec. 31, 2018
Retirement Benefits [Abstract]
Benefits Plan	Benefits Plan A significant number of the Company’s employees participate in a defined contribution plan. Employer contributions vary based on criteria specific to the plan. Contribution expense was $9,292 , $8,049 and $5,251 for the years ended December 31, 2018 , 2017 and 2016

Statutory Financial Data, Risk-

Statutory Financial Data, Risk-Based Capital and Dividends Restrictions	12 Months Ended
	Dec. 31, 2018
Insurance [Abstract]
Statutory Financial Data, Risk-Based Capital and Dividends Restrictions	Statutory Financial Data, Risk-Based Capital and Dividend Restrictions The Company’s insurance subsidiaries file financial statements in accordance with statutory accounting practices (“SAP”) prescribed or permitted by domestic or foreign insurance regulatory authorities. The differences between statutory financial statements and financial statements prepared in accordance with GAAP vary between domestic and foreign jurisdictions. The principal differences relate to: (1) acquisition costs incurred in connection with acquiring new business which are charged to expense under SAP but under GAAP are deferred and amortized as the related premiums are earned; (2) ceding commission revenues are earned when ceded premiums are written except for ceding commission revenues in excess of anticipated acquisition costs, which are deferred and amortized as ceded premiums are earned. GAAP requires that all ceding commission revenues be earned as the underlying ceded premiums are earned over the term of the reinsurance agreements; (3) certain assets including certain receivables, a portion of the net deferred tax asset, prepaid expenses and furniture and equipment are not admitted; (4) limitation on net deferred tax assets created by the tax effects of temporary differences; (5) unpaid losses and loss expense, and unearned premium reserves are presented gross of reinsurance with a corresponding asset recorded; and (6) debt securities portfolios that are carried at fair value and changes in fair value are reflected directly in unassigned surplus, net of related deferred taxes. Risk-Based Capital Insurance companies in the U.S. are subject to certain Risk-Based Capital (“RBC”) requirements as specified by the National Association of Insurance Commissioners (“NAIC”). Under such requirements, the amount of statutory capital and surplus maintained by an insurance company is to be determined on asset risk, underwriting risk and other risk factors. As of December 31, 2018 and 2017 , the statutory capital and surplus of all of the Company’s insurance subsidiaries domiciled in the U.S. exceeded the RBC requirements. National General Re Ltd., the Company’s foreign reinsurance subsidiary, is a Class 3A insurer. As a result, the revised regulations require that the available statutory capital and surplus be equal to or exceed the value of both its Minimum Margin of Solvency (“MMS”) and the Enhanced Capital Requirement (“ECR”). The capital and solvency return will be filed with the Bermuda monetary authority on April 30, 2019 and the ECR based on the economic balance sheet will not be available until this filing is completed. The capital and surplus requirement is based on the statutory capital MMS prior to the ECR and the 25% of ECR criteria being calculated. The required MMS on this basis was $228,142 and $316,548 as of December 31, 2018 and 2017 , respectively. Statutory Financial Data The following table presents the statutory capital and surplus for the Company’s property and casualty, and life insurance companies in accordance with SAP: December 31, Statutory capital and surplus 2018 2017 Property and Casualty Insurance Companies: Domestic $ 1,359,042 $ 1,329,301 Foreign 656,205 686,784 Total $ 2,015,247 $ 2,016,085 Life Insurance Companies: Domestic $ 41,939 $ 36,326 Foreign 49,763 60,650 Total $ 91,702 $ 96,976 The following table presents the statutory net income (loss) for the Company’s property and casualty, and life insurance companies in accordance with SAP: Year Ended December 31, Statutory net income (loss) 2018 2017 2016 (1) Property and Casualty Insurance Companies: Domestic $ 23,539 $ 190,607 $ 67,831 Foreign 47,411 (133,757 ) 6,470 Total $ 70,950 $ 56,850 $ 74,301 Life Insurance Companies: Domestic $ 8,919 $ 10,148 $ 6,259 Foreign (2,526 ) (19,456 ) 3,414 Total $ 6,393 $ (9,308 ) $ 9,673 (1) In 2016 the Company acquired seven domestic property and casualty insurance companies and one domestic life insurance company. Reciprocal Exchanges The Reciprocal Exchanges prepare their statutory basis financial statements in accordance with SAP. As of December 31, 2018 and 2017 , the Reciprocal Exchanges had combined statutory capital and surplus of $124,942 and $138,776 , respectively. For the years ended December 31, 2018 , 2017 and 2016 , the Reciprocal Exchanges had combined SAP net income (loss) of $(24,357) , $364 and $23,884 , respectively. The Reciprocal Exchanges are required to maintain minimum capital and surplus in accordance with regulatory requirements. As of December 31, 2018 and 2017 , the capital and surplus levels of the Reciprocal Exchanges exceeded such required levels. The Reciprocal Exchanges are not owned by the Company, but managed through management agreements. Accordingly, the Reciprocal Exchanges’ net assets are not available to the Company. Dividend Restrictions The Company’s insurance subsidiaries are subject to statutory and regulatory restrictions, applicable to insurance companies, imposed by the states of domicile, which limit the amount of cash dividends or distributions that they may pay unless special permission is received from the state of domicile. This limit was approximately $287,896 and $387,620 as of December 31, 2018 and 2017 , respectively. During the years ended December 31, 2018 , 2017 and 2016 , there were $156,660 , $339,398 and $29,500

Share-Based Compensation

Share-Based Compensation	12 Months Ended
	Dec. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Share-Based Compensation	Share-Based Compensation The Company currently has two equity incentive plans (the “Plans”). The Plans authorize up to an aggregate of 7,435,000 shares of Company stock for awards of options to purchase shares of the Company’s common stock, stock appreciation rights, restricted stock, restricted stock units (“RSU”), unrestricted stock and other performance awards. The aggregate number of shares of common stock for which awards may be issued may not exceed 7,435,000 shares, subject to the authority of the Company’s Board of Directors to adjust this amount in the event of a consolidation, reorganization, stock dividend, recapitalization or similar transaction affecting the Company’s common stock. As of December 31, 2018 , 521,311 shares of the Company’s common stock remained available for grants under the Plans. The Company recognizes compensation expense for its share-based payments based on the fair value of the awards. The Company grants stock options at exercise prices equal to the fair market value of the Company’s stock on the dates the options are granted. The options have a maximum term of ten years from the date of grant and vest primarily in equal annual installments over a range of one to five years following the date of grant for employee options. If a participant’s employment relationship ends, the participant’s vested awards will remain exercisable for the shorter of a period of 30 days or the period ending on the latest date on which such award could have been exercisable. The fair value of each option grant is separately estimated for each grant date. The fair value of each option is amortized into compensation expense on a straight-line basis between the grant date for the award and each vesting date. The Company has estimated the fair value of all stock option awards as of the date of the grant by applying the Black-Scholes-Merton multiple-option pricing valuation model. The application of this valuation model involves assumptions that are judgmental and highly sensitive in the determination of compensation expense. The Company grants RSUs with a grant date value equal to the closing stock price of the Company’s stock on the dates the units are granted and the RSUs vest over a period of three or four years. RSUs are net share settled. Under net settlement procedures, upon each settlement date, RSUs were withheld to cover the required withholding tax, which is based on the value of the RSU on the settlement date as determined by the closing price of the Company’s common stock on the trading day immediately preceding the applicable settlement date. The remaining amounts are delivered to the recipient as shares of the Company’s common stock. The amount remitted to the tax authorities for the employees’ tax obligation to the tax authorities is reflected as a financing activity in the Consolidated Statements of Cash Flows. These shares withheld by the Company as a result of the net settlement of RSUs are no longer considered outstanding on a diluted basis, thereby reducing the Company’s diluted shares used to calculate earnings per share. These shares are available for future issuance under the Plans. A summary of the stock option awards is shown below: Shares Subject to Options Outstanding Year Ended December 31, 2018 Number of Shares Weighted-Average Weighted-Average Aggregate (1) Outstanding at beginning of year 3,450,585 $ 9.37 Exercised (266,233 ) 7.43 Outstanding and exercisable at end of year 3,184,352 $ 9.53 4.0 $ 46,752 (1) The aggregate intrinsic value is calculated as the difference between the exercise price of the underlying stock option awards and the closing price of the Company’s common stock of $24.21 , as reported on the Nasdaq Global Select Market on December 31, 2018 . No options were granted, forfeited or expired during the year ended December 31, 2018 . The total intrinsic value of the options exercised during the years ended December 31, 2018 , 2017 and 2016 was $5,011 , $1,782 and $6,533 , respectively. The total fair value of stock options vested for the years ended December 31, 2018 , 2017 and 2016 was $783 , $501 and $1,847 , respectively. A summary of the RSUs is shown below: RSUs Year Ended December 31, 2018 Number of RSUs Weighted-Average Non-vested at beginning of year 845,459 $ 21.83 Granted 458,850 21.36 Vested (351,914 ) 20.08 Forfeited (13,600 ) 19.92 Non-vested at end of year 938,795 $ 22.28 The weighted-average grant-date fair value of RSUs granted for the years ended December 31, 2018 , 2017 and 2016 was $21.36 , $24.06 and $20.11 , respectively. The total fair value of the RSUs vested for the years ended December 31, 2018 , 2017 and 2016 was $7,068 , $3,661 and $1,714 , respectively. Compensation expense, included in general and administrative expenses, for all share-based compensation plans was $9,020 , $8,324 and $8,221 for the years ended December 31, 2018 , 2017 and 2016 , respectively. As of December 31, 2018 , the Company had approximately $14,075 of unrecognized share-based compensation expense, all of which was related to RSUs. This unrecognized compensation expense is expected to be recognized over a weighted-average period of approximately 1.5

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2018
Earnings Per Share [Abstract]
Earnings Per Share	Earnings Per Share The following is a summary of the elements used in calculating basic and diluted earnings per common share: Year Ended December 31, 2018 2017 2016 Numerator: Net income attributable to NGHC $ 207,354 $ 105,845 $ 175,706 Preferred stock dividends - nonconvertible (31,500 ) (31,500 ) (24,333 ) Preferred stock dividends - convertible (992 ) — — Numerator for basic EPS 174,862 74,345 151,373 Effect of dilutive securities: Preferred stock dividends - convertible 992 — — Numerator for diluted EPS - after assumed conversions $ 175,854 $ 74,345 $ 151,373 Denominator: Denominator for basic EPS - weighted-average shares outstanding 107,659,813 106,588,402 105,951,752 Effect of dilutive securities: Employee stock options 2,053,681 1,947,546 1,891,083 RSUs 319,089 216,314 435,483 Convertible preferred stock 789,473 — — Dilutive potential common shares 3,162,243 2,163,860 2,326,566 Denominator for diluted EPS - weighted-average shares outstanding and assumed conversions 110,822,056 108,752,262 108,278,318 Basic EPS $ 1.62 $ 0.70 $ 1.43 Diluted EPS $ 1.59 $ 0.68 $ 1.40

Segment Information

Segment Information	12 Months Ended
	Dec. 31, 2018
Segment Reporting [Abstract]
Segment Information	Segment Information The Company currently operates two business segments, “Property and Casualty” and “Accident and Health.” The “Corporate and Other” column represents the activities of the holding company, as well as income from the Company’s investment portfolio. The Company evaluates segment profits attributable to the performance of activities within the segment separately from the results of the Company’s investment portfolio. Other operating expenses allocated to the segments are called “General and administrative expenses” which are allocated on an actual basis except corporate salaries and benefits where management’s judgment is applied. In determining total assets by segment, the Company identifies those assets that are attributable to a particular segment such as premiums, deferred acquisition costs, reinsurance recoverable, prepaid reinsurance premiums, intangible assets and goodwill, while the remaining assets are allocated to Corporate and Other. The Property and Casualty segment, which includes the Reciprocal Exchanges and the management companies, reports the management fees earned by the Company from the Reciprocal Exchanges for underwriting, investment management and other services as service and fee income. The effects of these transactions between the Company and the Reciprocal Exchanges are eliminated in consolidation to derive consolidated net income. However, the management fee income is reported in net income attributable to NGHC and included in the basic and diluted earnings per share. The following tables summarize the results of operations of the operating segments: Year Ended December 31, 2018 Property and Casualty Accident and Health Corporate and Other Total Underwriting revenues: Gross premium written $ 4,718,730 $ 698,109 $ — $ 5,416,839 Ceded premiums (1,517,556 ) (71,570 ) — (1,589,126 ) Net premium written 3,201,174 626,539 — 3,827,713 Change in unearned premium (85,385 ) (10,126 ) — (95,511 ) Net earned premium 3,115,789 616,413 — 3,732,202 Ceding commission income 217,694 7,003 — 224,697 Service and fee income 375,603 185,980 — 561,583 Total underwriting revenues 3,709,086 809,396 — 4,518,482 Underwriting expenses: Loss and loss adjustment expense 2,340,881 321,345 — 2,662,226 Acquisition costs and other underwriting expenses 550,540 184,726 — 735,266 General and administrative expenses 726,238 201,808 10,000 938,046 Total underwriting expenses 3,617,659 707,879 10,000 4,335,538 Underwriting income 91,427 101,517 (10,000 ) 182,944 Net investment income — — 119,034 119,034 Net loss on investments — — (29,545 ) (29,545 ) Interest expense — — (51,425 ) (51,425 ) Provision for income taxes — — (53,484 ) (53,484 ) Net (income) loss attributable to non-controlling interest — — 39,830 39,830 Net income attributable to NGHC $ 91,427 $ 101,517 $ 14,410 $ 207,354 Year Ended December 31, 2017 Property and Casualty Accident and Health Corporate and Other Total Underwriting revenues: Gross premium written $ 4,174,583 $ 581,402 $ — $ 4,755,985 Ceded premiums (1,132,284 ) (46,106 ) — (1,178,390 ) Net premium written 3,042,299 535,296 — 3,577,595 Change in unearned premium 78,594 (2,013 ) — 76,581 Net earned premium 3,120,893 533,283 — 3,654,176 Ceding commission income 115,443 1,013 — 116,456 Service and fee income 348,313 154,614 — 502,927 Total underwriting revenues 3,584,649 688,910 — 4,273,559 Underwriting expenses: Loss and loss adjustment expense 2,307,619 318,463 — 2,626,082 Acquisition costs and other underwriting expenses 517,550 154,879 — 672,429 General and administrative expenses 741,499 171,497 — 912,996 Total underwriting expenses 3,566,668 644,839 — 4,211,507 Underwriting income 17,981 44,071 — 62,052 Net investment income — — 101,950 101,950 Net gain on investments — — 46,763 46,763 Other income (expense) — — (198 ) (198 ) Interest expense — — (47,086 ) (47,086 ) Provision for income taxes — — (61,273 ) (61,273 ) Net (income) loss attributable to non-controlling interest — — 3,637 3,637 Net income attributable to NGHC $ 17,981 $ 44,071 $ 43,793 $ 105,845 Year Ended December 31, 2016 Property and Casualty Accident and Health Corporate and Other Total Underwriting revenues: Gross premium written $ 3,036,888 $ 464,010 $ — $ 3,500,898 Ceded premiums (382,860 ) (45,342 ) — (428,202 ) Net premium written 2,654,028 418,668 — 3,072,696 Change in unearned premium (73,284 ) (4,241 ) — (77,525 ) Net earned premium 2,580,744 414,427 — 2,995,171 Ceding commission income 44,269 1,331 — 45,600 Service and fee income 241,881 138,936 — 380,817 Total underwriting revenues 2,866,894 554,694 — 3,421,588 Underwriting expenses: Loss and loss adjustment expense 1,791,070 301,210 — 2,092,280 Acquisition costs and other underwriting expenses 394,277 102,730 — 497,007 General and administrative expenses 580,815 128,333 — 709,148 Total underwriting expenses 2,766,162 532,273 — 3,298,435 Underwriting income 100,732 22,421 — 123,153 Net investment income — — 115,187 115,187 Net gain on investments — — 7,904 7,904 Other income — — 24,308 24,308 Interest expense — — (40,180 ) (40,180 ) Provision for income taxes — — (33,998 ) (33,998 ) Net (income) attributable to non-controlling interest — — (20,668 ) (20,668 ) Net income attributable to NGHC $ 100,732 $ 22,421 $ 52,553 $ 175,706 The following tables summarize the financial position of the operating segments: December 31, 2018 Property and Casualty Accident and Health Corporate and Other Total Premiums and other receivables, net $ 1,245,530 $ 153,896 $ 386 $ 1,399,812 Deferred acquisition costs 226,188 25,220 — 251,408 Reinsurance recoverable 1,585,008 26,730 — 1,611,738 Prepaid reinsurance premiums 665,660 14 — 665,674 Intangible assets, net and Goodwill 443,163 116,957 — 560,120 Prepaid and other assets 20,941 22,472 111,545 154,958 Corporate and other assets — — 4,795,570 4,795,570 Total assets $ 4,186,490 $ 345,289 $ 4,907,501 $ 9,439,280 December 31, 2017 Property and Casualty Accident and Health Corporate and Other Total Premiums and other receivables, net $ 1,177,350 $ 117,000 $ 29,971 $ 1,324,321 Deferred acquisition costs 198,283 18,106 — 216,389 Reinsurance recoverable 1,284,325 9,840 — 1,294,165 Prepaid reinsurance premiums 517,122 — — 517,122 Intangible assets, net and Goodwill 464,153 114,070 — 578,223 Prepaid and other assets 21,141 35,608 99,081 155,830 Corporate and other assets — — 4,353,693 4,353,693 Total assets $ 3,662,374 $ 294,624 $ 4,482,745 $ 8,439,743 The following table shows an analysis of the premiums by geographical location: Year Ended December 31, 2018 2017 2016 NGHC Reciprocal Total NGHC Reciprocal Total NGHC Reciprocal Total Gross premium written - North America $ 4,817,658 $ 448,923 $ 5,266,581 $ 4,252,691 $ 383,773 $ 4,636,464 $ 3,156,393 $ 241,540 $ 3,397,933 Gross premium written - Europe 150,258 — 150,258 119,521 — 119,521 102,965 — 102,965 Total $ 4,967,916 $ 448,923 $ 5,416,839 $ 4,372,212 $ 383,773 $ 4,755,985 $ 3,259,358 $ 241,540 $ 3,500,898 Net premium written - North America $ 3,523,060 $ 183,565 $ 3,706,625 $ 3,282,425 $ 175,649 $ 3,458,074 $ 2,849,183 $ 120,548 $ 2,969,731 Net premium written - Europe 121,088 — 121,088 119,521 — 119,521 102,965 — 102,965 Total $ 3,644,148 $ 183,565 $ 3,827,713 $ 3,401,946 $ 175,649 $ 3,577,595 $ 2,952,148 $ 120,548 $ 3,072,696 Net earned premium - North America $ 3,434,386 $ 186,761 $ 3,621,147 $ 3,367,695 $ 169,871 $ 3,537,566 $ 2,787,244 $ 110,395 $ 2,897,639 Net earned premium - Europe 111,055 — 111,055 116,610 — 116,610 97,532 — 97,532 Total $ 3,545,441 $ 186,761 $ 3,732,202 $ 3,484,305 $ 169,871 $ 3,654,176 $ 2,884,776 $ 110,395 $ 2,995,171 The following tables show an analysis of premiums by product type: Year Ended December 31, Gross Premium Written 2018 2017 2016 Property and Casualty Personal Auto $ 2,637,176 $ 2,334,838 $ 1,548,365 Homeowners 688,006 558,827 410,565 RV/Packaged 208,394 187,475 165,919 Small Business Auto 319,299 316,958 257,075 Lender-placed insurance 363,056 345,354 376,058 Other 53,876 47,358 37,366 Property and Casualty $ 4,269,807 $ 3,790,810 $ 2,795,348 Accident and Health 698,109 581,402 464,010 NGHC Total $ 4,967,916 $ 4,372,212 $ 3,259,358 Reciprocal Exchanges Personal Auto $ 153,129 $ 132,844 $ 73,680 Homeowners 291,907 247,460 161,510 Other 3,887 3,469 6,350 Reciprocal Exchanges Total $ 448,923 $ 383,773 $ 241,540 Total $ 5,416,839 $ 4,755,985 $ 3,500,898 Year Ended December 31, Net Premium Written 2018 2017 2016 Property and Casualty Personal Auto $ 2,016,858 $ 1,824,932 $ 1,380,125 Homeowners 331,120 275,013 369,810 RV/Packaged 206,740 185,993 165,025 Small Business Auto 233,456 246,072 234,101 Lender-placed insurance 202,069 313,124 363,896 Other 27,366 21,516 20,523 Property and Casualty $ 3,017,609 $ 2,866,650 $ 2,533,480 Accident and Health 626,539 535,296 418,668 NGHC Total $ 3,644,148 $ 3,401,946 $ 2,952,148 Reciprocal Exchanges Personal Auto $ 61,759 $ 68,292 $ 44,661 Homeowners 120,875 105,536 71,367 Other 931 1,821 4,520 Reciprocal Exchanges Total $ 183,565 $ 175,649 $ 120,548 Total $ 3,827,713 $ 3,577,595 $ 3,072,696 Year Ended December 31, Net Earned Premium 2018 2017 2016 Property and Casualty Personal Auto $ 1,927,667 $ 1,828,304 $ 1,292,563 Homeowners 329,850 349,709 353,228 RV/Packaged 197,258 175,888 158,256 Small Business Auto 237,587 251,576 217,919 Lender-placed insurance 215,811 321,995 422,645 Other 20,855 23,550 25,738 Property and Casualty $ 2,929,028 $ 2,951,022 $ 2,470,349 Accident and Health 616,413 533,283 414,427 NGHC Total $ 3,545,441 $ 3,484,305 $ 2,884,776 Reciprocal Exchanges Personal Auto $ 59,923 $ 66,565 $ 42,225 Homeowners 125,806 101,648 61,748 Other 1,032 1,658 6,422 Reciprocal Exchanges Total $ 186,761 $ 169,871 $ 110,395 Total $ 3,732,202 $ 3,654,176 $ 2,995,171

Selected Quarterly Financial Da

Selected Quarterly Financial Data (Unaudited)	12 Months Ended
	Dec. 31, 2018
Quarterly Financial Information Disclosure [Abstract]
Selected Quarterly Financial Data (Unaudited)	Selected Quarterly Financial Data (Unaudited) The following tables summarize quarterly financial data: 2018 March 31, June 30, September 30, December 31, Total revenues $ 1,117,257 $ 1,135,106 $ 1,168,843 $ 1,186,765 Total expenses 1,045,035 1,091,655 1,097,096 1,153,177 Provision for income taxes 16,202 6,541 15,518 15,223 Net income 56,020 36,910 56,229 18,365 Net income attributable to NGHC 68,208 44,548 68,382 26,216 Net income attributable to NGHC common stockholders 60,333 36,673 60,507 17,349 Basic EPS $ 0.57 $ 0.34 $ 0.56 $ 0.16 Diluted EPS $ 0.55 $ 0.34 $ 0.55 $ 0.16 2017 March 31, June 30, September 30, December 31, Total revenues $ 1,101,854 $ 1,147,693 $ 1,105,783 $ 1,066,744 Total expenses 1,060,267 1,123,033 1,028,352 1,046,941 Provision for income taxes 10,789 11,487 18,475 20,522 Net income (loss) 30,798 13,173 58,956 (719 ) Net income (loss) attributable to NGHC 36,923 13,332 57,645 (2,055 ) Net income (loss) attributable to NGHC common stockholders 29,048 5,457 49,770 (9,930 ) Basic EPS $ 0.27 $ 0.05 $ 0.47 $ (0.09 ) Diluted EPS $ 0.27 $ 0.05 $ 0.46 $ (0.09 )

Schedule I - Summary of Investm

Schedule I - Summary of Investments Other than Investments in Related Parties	12 Months Ended
	Dec. 31, 2018
SEC Schedule, 12-15, Insurance Companies, Summary of Investments, Other than Investments in Related Parties [Abstract]
Schedule I - Summary of Investments, Other than Investments in Related Parties	Schedule I NATIONAL GENERAL HOLDINGS CORP. SUMMARY OF INVESTMENTS OTHER THAN INVESTMENTS IN RELATED PARTIES (In Thousands) December 31, 2018 Cost (1) Value Amount at which shown in the Balance Sheet Debt Securities: Bonds: U.S. government and government agencies and authorities $ 102,671 $ 103,068 $ 103,068 States, municipalities and political subdivisions 274,367 272,197 272,197 Foreign governments 151,443 152,366 152,366 Public utilities 28,161 28,008 28,008 All other corporate bonds (2) 3,057,967 3,005,393 3,005,393 Certificates of deposit 20,252 20,252 20,252 Total Debt Securities 3,634,861 3,581,284 3,581,284 Equity Securities: Common stock: Industrial, miscellaneous and all other 31,213 10,949 10,949 Total Equity Securities 31,213 10,949 10,949 Other Investments (3) 52,301 52,301 52,301 Other Short-term Investments (3) 348,549 348,549 348,549 Total Investments (other than investments in related parties) $ 4,066,924 $ 3,993,083 $ 3,993,083 (1) Original cost of equity securities and, as to debt securities, original cost reduced by repayments and adjusted for amortization of premiums or accrual of discounts. (2) Includes structured securities, residential and commercial mortgage-backed securities. (3)

Schedule II - Condensed Financi

Schedule II - Condensed Financial Information of Registrant	12 Months Ended
	Dec. 31, 2018
Condensed Financial Information Disclosure [Abstract]
Schedule II - Condensed Financial Information of Registrant	Schedule II NATIONAL GENERAL HOLDINGS CORP. CONDENSED FINANCIAL INFORMATION OF REGISTRANT BALANCE SHEETS — PARENT COMPANY ONLY (In Thousands) December 31, 2018 2017 ASSETS Investments: Debt securities, available-for-sale, at fair value (amortized cost - $79,454 and $27,695) $ 78,365 $ 27,538 Short-term investments 117,135 — Other investments 4,310 4,250 Equity investment in subsidiaries 2,491,024 2,471,989 Total investments 2,690,834 2,503,777 Cash and cash equivalents 3,956 4,029 Accrued investment income 728 228 Software, net 172,943 186,716 Prepaid and other assets 30,688 41,034 Total assets $ 2,899,149 $ 2,735,784 LIABILITIES AND STOCKHOLDERS’ EQUITY Liabilities: Accounts payable and accrued expenses $ 94,997 $ 149,817 Debt 603,281 632,542 Total liabilities $ 698,278 $ 782,359 Stockholders’ equity: Total stockholders’ equity $ 2,200,871 $ 1,953,425 Total liabilities and stockholders’ equity $ 2,899,149 $ 2,735,784 See accompanying notes to condensed financial statements. Schedule II NATIONAL GENERAL HOLDINGS CORP. CONDENSED FINANCIAL INFORMATION OF REGISTRANT STATEMENTS OF INCOME AND COMPREHENSIVE INCOME — PARENT COMPANY ONLY (In Thousands) Year Ended December 31, 2018 2017 2016 Revenues: Service and fee income $ 44,932 $ 9,256 $ — Investment income 1,205 3,004 8,777 Net gain (loss) on investments (1,571 ) 4,032 793 Equity in undistributed net income of subsidiaries and partially-owned companies 232,101 116,367 218,639 Total revenues 276,667 132,659 228,209 Expenses: Interest expense 39,380 40,954 38,817 Other (income) expense, net 30,847 7,236 (4,246 ) Total expenses 70,227 48,190 34,571 Income before provision (benefit) for income taxes 206,440 84,469 193,638 Provision (benefit) for income taxes (914 ) (21,376 ) 17,932 Net income attributable to NGHC 207,354 105,845 175,706 Dividends on preferred stock (32,492 ) (31,500 ) (24,333 ) Net income attributable to NGHC common stockholders $ 174,862 $ 74,345 $ 151,373 Net income attributable to NGHC $ 207,354 $ 105,845 $ 175,706 Other comprehensive income (loss), net of tax (44,054 ) (19,587 ) 30,889 Comprehensive income attributable to NGHC $ 163,300 $ 86,258 $ 206,595 See accompanying notes to condensed financial statements. Schedule II NATIONAL GENERAL HOLDINGS CORP. CONDENSED FINANCIAL INFORMATION OF REGISTRANT STATEMENTS OF CASH FLOWS — PARENT COMPANY ONLY (In Thousands) Year Ended December 31, 2018 2017 2016 Cash flows from operating activities: Net income attributable to NGHC $ 207,354 $ 105,845 $ 175,706 Adjustments to reconcile net income to cash provided by (used in) operating activities: Net (gain) loss on investments 1,571 (4,032 ) (793 ) Depreciation and amortization 20,668 4,799 — Net amortization of premium net of discount on debt securities 581 842 1,008 Stock-compensation expense 9,020 8,324 8,221 Equity in undistributed net income of subsidiaries and partially-owned companies (232,101 ) (116,367 ) (230,279 ) Changes in assets and liabilities: Accrued investment income (500 ) 6 624 Other assets 23,334 (13,007 ) (23,966 ) Other liabilities 8,993 (6,057 ) 14,098 Net cash provided by (used in) operating activities 38,920 (19,647 ) (55,381 ) Cash flows from investing activities: Purchases of: Debt securities, available-for-sale (70,308 ) (235,837 ) (478,502 ) Short-term investments (342,137 ) — — Premises and equipment (73,563 ) (58,181 ) — Proceeds from: Sale and maturity of debt securities, available-for-sale 18,260 250,102 672,323 Sale of short-term investments 225,395 — — Investment in subsidiaries 130,772 126,051 (297,164 ) Acquisition of subsidiaries, net of cash (9,875 ) (210 ) — Net cash (used in) provided by investing activities (121,456 ) 81,925 (103,343 ) Cash flows from financing activities: Securities sold under agreements to repurchase, net — — (52,484 ) Proceeds from debt — 140,000 50,000 Repayments of debt and return of capital (30,000 ) (172,794 ) (150 ) Issuances of common and preferred stock, net of fees 162,120 — 198,460 Issuance of common stock — employee share options 1,978 1,259 5,140 Taxes paid related to net share settlement of equity awards (3,024 ) (1,773 ) (919 ) Dividends paid to common and preferred shareholders (48,611 ) (48,550 ) (34,356 ) Net cash provided by (used in) financing activities 82,463 (81,858 ) 165,691 Net (decrease) increase in cash and cash equivalents (73 ) (19,580 ) 6,967 Cash and cash equivalents, beginning of the year 4,029 23,609 16,642 Cash and cash equivalents, end of the year $ 3,956 $ 4,029 $ 23,609 See accompanying notes to condensed financial statements. Schedule II NATIONAL GENERAL HOLDINGS CORP. CONDENSED FINANCIAL INFORMATION OF REGISTRANT NOTES — PARENT COMPANY ONLY 1. Basis of Presentation In the parent-company-only financial statements, the Company’s investment in subsidiaries is stated at cost plus equity in undistributed earnings of subsidiaries since the date of acquisition. The Company’s share of net income of its unconsolidated subsidiaries is included in consolidated income using the equity method. The parent-company-only financial statements should be read in conjunction with the Company’s Consolidated Financial Statements. Certain prior period amounts have been reclassified to conform to the current-year presentation. 2. Debt For information relating to debt, see Note 12 , “ Debt ” in the notes to the Company’s Consolidated Financial Statements. 3. Dividends For information relating to cash dividends paid to the registrant or the Company by its consolidated subsidiaries and investees accounted for by the equity method, see Note 17 , “ Statutory Financial Data, Risk-Based Capital and Dividend Restrictions

Schedule III - Supplementary In

Schedule III - Supplementary Insurance Information	12 Months Ended
	Dec. 31, 2018
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Abstract]
Schedule III - Supplementary Insurance Information	Schedule III NATIONAL GENERAL HOLDINGS CORP. SUPPLEMENTARY INSURANCE INFORMATION (In Thousands) As of December 31, Year Ended December 31, Segment Deferred Unpaid Unearned Net Earned Premium Net Loss and Deferred Amortization Other Net 2018 Property and casualty $ 226,188 $ 2,685,879 $ 2,120,283 $ 3,115,789 $ — $ 2,340,881 $ 495,009 $ 55,531 $ 3,201,174 Accident and health 25,220 271,280 36,554 616,413 — 321,345 15,784 168,942 626,539 Corporate and other — — — — 119,034 — — — — Total $ 251,408 $ 2,957,159 $ 2,156,837 $ 3,732,202 $ 119,034 $ 2,662,226 $ 510,793 $ 224,473 $ 3,827,713 2017 Property and casualty $ 198,283 $ 2,413,904 $ 1,886,359 $ 3,120,893 $ — $ 2,307,619 $ 487,740 $ 29,810 $ 3,042,299 Accident and health 18,106 249,653 37,226 533,283 — 318,463 22,149 132,730 535,296 Corporate and other — — — — 101,950 — — — — Total $ 216,389 $ 2,663,557 $ 1,923,585 $ 3,654,176 $ 101,950 $ 2,626,082 $ 509,889 $ 162,540 $ 3,577,595 2016 Property and casualty $ 207,597 $ 2,073,466 $ 1,613,213 $ 2,580,744 $ — $ 1,791,070 $ 365,802 $ 28,475 $ 2,654,028 Accident and health 13,325 200,400 22,412 414,427 — 301,210 45,199 57,531 418,668 Corporate and other — — — — 115,187 — — — — Total $ 220,922 $ 2,273,866 $ 1,635,625 $ 2,995,171 $ 115,187 $ 2,092,280 $ 411,001 $ 86,006 $ 3,072,696

Schedule IV - Reinsurance

Schedule IV - Reinsurance	12 Months Ended
	Dec. 31, 2018
SEC Schedule, 12-17, Insurance Companies, Reinsurance [Abstract]
SEC Schedule, 12-17, Insurance Companies, Reinsurance	Schedule IV NATIONAL GENERAL HOLDINGS CORP. REINSURANCE (In Thousands) Year Ended December 31, Gross Amount Ceded to Other Companies Assumed from Other Companies Net Amount Percent of Amount Assumed to Net 2018 Earned Premiums $ 5,049,512 $ (1,440,575 ) $ 123,265 $ 3,732,202 3.3 % 2017 Earned Premiums $ 4,233,184 $ (818,238 ) $ 239,230 $ 3,654,176 6.5 % 2016 Earned Premiums $ 2,718,103 $ (410,761 ) $ 687,829 $ 2,995,171 23.0 %

Schedule V - Valuation and Qual

Schedule V - Valuation and Qualifying Accounts	12 Months Ended
	Dec. 31, 2018
SEC Schedule, 12-09, Valuation and Qualifying Accounts [Abstract]
Schedule V - Valuation and Qualifying Accounts	Schedule V NATIONAL GENERAL HOLDINGS CORP. VALUATION AND QUALIFYING ACCOUNTS (In Thousands) Additions Year Ended December 31, Balance at beginning of the year Charge (Benefit) to costs and expenses Charge to other accounts Additions (Deductions) Balance at end of the year 2018 Allowance for uncollectible accounts $ 18,546 $ 74,214 $ — $ (72,552 ) $ 20,208 Valuation allowance for deferred taxes 5,410 54,934 — — 60,344 2017 Allowance for uncollectible accounts $ 16,219 $ 63,819 $ — $ (61,492 ) $ 18,546 Valuation allowance for deferred taxes 7,135 (1,725 ) — — 5,410 2016 Allowance for uncollectible accounts $ 13,433 $ 35,356 $ — $ (32,570 ) $ 16,219 Valuation allowance for deferred taxes 17,295 (10,160 ) — — 7,135

Schedule VI - Supplemental Info

Schedule VI - Supplemental Information Concerning Property-Casualty Insurance Operations	12 Months Ended
	Dec. 31, 2018
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters [Abstract]
Schedule VI - Supplemental Information Concerning Property-Casualty Insurance Operations	Schedule VI NATIONAL GENERAL HOLDINGS CORP. SUPPLEMENTAL INFORMATION CONCERNING PROPERTY-CASUALTY INSURANCE OPERATIONS (In Thousands) Losses and Loss Adjustment Paid Losses and Loss Adjustment Expenses Year Ended December 31, Current Year Prior Years 2018 $ 2,696,260 $ (34,034 ) $ 2,515,237 2017 $ 2,618,733 $ 7,349 $ 2,491,881 2016 $ 2,078,742 $ 13,538 $ 1,926,797

Significant Accounting Polici_2

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2018
Accounting Policies [Abstract]
Basis of Reporting	Basis of Presentation The accompanying consolidated financial statements of the Company have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”). The consolidated financial statements include the accounts of the Company, its wholly-owned subsidiaries and variable interest entities (“VIEs”) of which the Company is the primary beneficiary. The consolidated financial statements also include the accounts and operations of Adirondack Insurance Exchange, a New York reciprocal insurer, and New Jersey Skylands Insurance Association, a New Jersey reciprocal insurer (together with their subsidiaries, the “Reciprocal Exchanges” or “Exchanges”), VIEs of which the Company is the primary beneficiary. The Company does not own the Reciprocal Exchanges but is paid a fee to manage them. All significant intercompany transactions and accounts have been eliminated in consolidation. For the years ended December 31, 2017 and 2016 , the Company reclassified Earnings (losses) of equity method investments with related parties as a component of Net investment income in the Consolidated Statements of Income to conform to the current-year presentation. As of December 31, 2017 the Company reclassified certain amounts from Accounts payable and accrued expenses to Other liabilities in the Consolidated Balance Sheets to conform to the current-year presentation.
Use of Estimates and Assumptions	Use of Estimates and Assumptions
Premiums and Other Receivables	Premiums and Other Receivables The Company recognizes earned premium on a pro rata basis over the terms of the policies, generally periods of six or twelve
Premiums Receivable	Unearned premiums represent the portion of premiums written applicable to the unexpired terms of the policies.
Premiums Receivable, Allowance for Doubtful Accounts	Net premiums receivable represent premiums written and not yet collected, net of an allowance for uncollectible premiums. The Company regularly evaluates premiums and other receivables and adjusts its allowance for uncollectible amounts as appropriate. Receivables specifically identified as uncollectible are charged to expense in the period the determination is made.
Cash and Cash Equivalents	Cash and Cash Equivalents The Company’s cash and cash equivalents include cash on hand, money market instruments and other debt instruments with a maturity of 90 days or less when purchased. Certain securities with original maturities of 90 days or less that are held as a portion of longer-term investment portfolios are classified as short-term investments.
Restricted Cash and Cash Equivalents	Restricted Cash and Cash Equivalents Restricted cash and cash equivalents balances relate primarily to deposits in certain states in order to conduct business and certain third-party agreements. The Company also utilizes trust accounts to collateralize business with its reinsurance counterparties. Amounts described as restricted cash and restricted cash equivalents are included with cash and cash equivalents when reconciling the beginning-of-period and end-of-period total amounts shown on the statement of cash flows.
Deferred Acquisition Costs	Deferred Acquisition Costs
Ceding Commission Revenue	Ceding Commission Revenue Commissions on reinsurance premiums ceded are earned in a manner consistent with the recognition of the costs to acquire the underlying policies on a pro-rata basis over the terms of the policies reinsured. The portion of ceding commission which represents reimbursement of acquisition costs related to the underlying policies is recorded as an offset to acquisition costs and other underwriting expenses. Commission in excess of acquisition costs is recorded as ceding commission income over the terms of the policies. Certain reinsurance agreements contain provisions whereby the ceding commission rates vary based on the loss experience of the policies covered by the agreements. The Company records ceding commission revenue based on its current estimate of losses on the reinsured policies subject to variable commission rates. The Company records adjustments to the ceding commission revenue in the period that changes in the estimated losses are determined.
Loss and Loss Adjustment Expenses	Loss and Loss Adjustment Expenses
Business Combinations	Business Combinations The Company accounts for business combinations under the acquisition method of accounting, which requires the Company to record assets acquired, liabilities assumed and any non-controlling interest in the acquiree at their respective fair values as of the acquisition date. The Company accounts for the insurance and reinsurance contracts under the acquisition method as new contracts, which requires the Company to record assets and liabilities at fair value. The Company adjusts the fair value of loss and LAE reserves by recording the acquired loss reserves based on the Company’s existing accounting policies and then discounting them based on expected reserve payout patterns using a current risk-free rate of interest. This risk-free interest rate is then adjusted based on different cash flow scenarios that use different payout and ultimate reserve assumptions deemed to be reasonably possible based upon the inherent uncertainties present in determining the amount and timing of payment of such reserves. The difference between the acquired loss and LAE reserves and the Company’s best estimate of the fair value of such reserves at the acquisition date is recorded as either an intangible asset or another liability, as applicable and is amortized proportionately to the reduction in the related loss reserves (e.g., over the estimated payout period of the acquired loss and LAE reserves). The Company assigns fair values to intangible assets acquired based on valuation techniques including the income and market approaches. The Company records contingent consideration at fair value based on the terms of the purchase agreement with subsequent changes in fair value recorded through earnings. The purchase price is the fair value of the total consideration conveyed to the seller and the Company records the excess of the purchase price over the fair value of the acquired net assets, where applicable, as goodwill. The Company expenses costs associated with the acquisition of a business in the period incurred.
Goodwill and Intangible Assets	Goodwill and Intangible Assets
Investments	Investments The Company accounts for its investments in accordance with ASC 320, “Investments - Debt Securities,” and certain equity investments with ASC 321, “Investments - Equity Securities.” In accordance with ASC 320, the Company has classified its debt securities as available for sale measured at fair value with unrealized gains and losses reported as a separate component of comprehensive income. Equity investments (except those accounted for under the equity method, and those that result in consolidation of the investee and certain other investments) are measured at fair value with all gains and losses reported in net income in accordance with ASC 321. The Company may sell its available-for-sale and equity securities in response to changes in interest rates, risk/reward characteristics, liquidity needs or other factors. Available-for-sale and equity securities are reported at their estimated fair values based on quoted market prices or recognized pricing services. Purchases and sales of investments are recorded on a trade date basis. Realized gains and losses are determined based on the specific identification method. Net investment income is recognized when earned and includes interest and dividend income together with amortization of market premiums and discounts using the effective yield method and is net of investment management fees and other expenses. For mortgage-backed securities and any other holdings for which there is a prepayment risk, prepayment assumptions are evaluated and revised as necessary. Any adjustments required due to the change in effective yields and maturities are recognized on a prospective basis through yield adjustments. Quarterly, the Company evaluates each security that has an unrealized loss as of the end of the subject reporting period for other-than-temporary-impairment (“OTTI”). The Company generally considers an investment to be impaired when it has been in a significant unrealized loss position for over 12 months. In addition, the Company uses a set of quantitative and qualitative criteria to review the investment portfolio to evaluate the necessity of recording impairment losses for other-than-temporary declines in the fair value of the Company’s investments. The criteria the Company primarily considers include: • the current fair value compared to amortized cost; • the length of time the security’s fair value has been below its amortized cost; • specific credit issues related to the issuer such as changes in credit rating or non-payment of scheduled interest payments; • whether management intends to sell the security and, if not, whether it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis; • the financial condition and near-term prospects of the issuer of the security, including any specific events that may affect its operations or earnings; • the occurrence of a discrete credit event resulting in the issuer defaulting on a material outstanding obligation or the issuer seeking protection under bankruptcy laws; and • other items, including management, media exposure, sponsors, marketing and advertising agreements, debt restructurings, regulatory changes, acquisitions and dispositions, pending litigation, distribution agreements and general industry trends. Impairment of investment securities results in a charge to operations when a market decline below cost is deemed to be other-than-temporary. The Company immediately writes down investments that it considers to be impaired based on the above criteria collectively. Based on guidance in ASC 320-10-35, in the event of the decline in fair value of a debt security, a holder of that security that does not intend to sell the debt security and for whom it is more likely than not that such holder will be required to sell the debt security before recovery of its amortized cost basis is required to separate the decline in fair value into (a) the amount representing the credit loss and (b) the amount related to other factors. The amount of total decline in fair value related to the credit loss shall be recognized in earnings as an OTTI with the amount related to other factors recognized in accumulated other comprehensive income or loss, net of tax. OTTI credit losses result in a permanent reduction of the cost basis of the underlying investment. The determination of OTTI is a subjective process, and different judgments and assumptions could affect the timing of the loss realization. As of December 31, 2018 and 2017 , the Company had the following major types of investments: (i) Debt securities are classified as available-for-sale and are carried at fair value. Gains or losses on available-for-sale securities are reported as a component of accumulated other comprehensive income. (ii) Mortgage and structured securities are carried at fair value. The Company recognizes income using the retrospective adjustment method based on prepayments and the estimated economic lives of the securities. The effective yield reflects actual payments to date plus anticipated future payments. These investments are recorded as Debt securities, available-for-sale in the Consolidated Balance Sheets. (iii) Equity securities consisted of common stock and non-redeemable preferred stock and are carried at fair value. Gains or losses on equity securities are reported within net gains and losses on investments. (iv) Short-term investments are carried at amortized cost, which approximates fair value, and includes investments with maturities between 91 days and less than one year at the date of acquisition. Income from short-term investments is reported within net investment income. (v) Other investments consisted of equity method investments, in which the company has the power to influence the operating or financial decisions but does not require consolidation; notes receivable; long-term certificates of deposits; and other investments carried at fair value and at cost or amortized cost. Income from other investments is reported within net investment income.
Fair Value of Financial Instruments	Fair Value of Financial Instruments The Company’s estimates of fair value for financial assets and financial liabilities are based on the framework established in ASC 820, “Fair Value Measurements and Disclosures.” The framework is based on the inputs used in valuation and gives the highest priority to quoted prices in active markets and requires that observable inputs be used in the valuations when available. The disclosure of fair value estimates in the ASC 820 hierarchy is based on whether the significant inputs into the valuation are observable. In determining the level of the hierarchy in which the estimate is disclosed, the highest priority is given to unadjusted quoted prices in active markets and the lowest priority to unobservable inputs that reflect the Company’s significant market assumptions. Additionally, valuation of debt securities investments is more subjective when markets are less liquid due to lack of market-based inputs, which may increase the potential that the estimated fair value of an investment is not reflective of the price at which an actual transaction could occur. Fair values of other financial instruments which are short-term in nature approximate their carrying values. ASC 820 defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. ASC 820 clarifies that fair value should be based on the assumptions market participants would use when pricing an asset or liability and establishes a fair value hierarchy that prioritizes the information used to develop those assumptions. Additionally, ASC 820 requires an entity to consider all aspects of nonperformance risk, including the entity’s own credit standing, when measuring the fair value of a liability. ASC 820 establishes a three-level hierarchy to be used when measuring and disclosing fair value. An instrument’s categorization within the fair value hierarchy is based on the lowest level of significant input to its valuation. Following is a description of the three hierarchy levels: Level 1 - Inputs are quoted prices in active markets for identical assets or liabilities as of the measurement date. Additionally, the entity must have the ability to access the active market and the quoted prices cannot be adjusted by the entity. Level 2 - Inputs are other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. Level 2 inputs include quoted prices in active markets for similar assets or liabilities; quoted prices in inactive markets for identical or similar assets or liabilities; or inputs that are observable or can be corroborated by observable market data by correlation or other means for substantially the full term of the assets or liabilities.
Equity Method Investments	Equity Method Investments
Stock Compensation Expense	Stock Compensation Expense The Company recognizes shared-based employee compensation expense including stock options and restricted stock units (“RSUs”), to be measured based on the grant date fair value of the awards, with the resulting expense recognized on a straight-line basis over the period during which the employee is required to perform service in exchange for the award. The majority of the Company’s awards are earned over a service period of three or four years.
Earnings Per Share	Earnings Per Share Basic earnings per share are computed by dividing income available to common stockholders by the number of weighted average common shares outstanding. Dilutive earnings per share are computed by dividing income available to common stockholders, adjusted for the effects of the presumed issuance of potential common shares, by the number of weighted average common shares outstanding, plus potentially issuable shares, such as options, unvested share-based payment awards and convertible securities.
Impairment of Long-lived Assets	Impairment of Long-lived Assets The carrying value of long-lived assets is evaluated for impairment whenever events or changes in circumstances indicate that the carrying value of an asset may not be recoverable from the estimated undiscounted future cash flows expected to result from its use and eventual disposition. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to future net undiscounted cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment is measured as the amount by which the carrying amount of the assets exceeds the fair value as estimated by discounted cash flows.
Income Taxes	Income Taxes The Company joins its subsidiaries in the filing of a consolidated Federal income tax return and is party to Federal income tax allocation agreements. Under the tax allocation agreements, the Company pays to or receives from its subsidiaries the amount, if any, by which the group’s Federal income tax liability was affected by virtue of inclusion of the subsidiary in the consolidated Federal return. The Reciprocal Exchanges are not party to the tax allocation agreements and file separate tax returns. Deferred income taxes reflect the impact of temporary differences between the amounts of assets and liabilities for financial reporting purposes and such amounts as measured by tax laws and regulations. The deferred tax asset and liability primarily consists of book versus tax differences for earned premiums, loss and LAE reserve discounting, deferred acquisition costs, earned but unbilled premiums, and unrealized holding gains and losses on debt securities. Changes in deferred income tax assets and liabilities that are associated with components of other comprehensive income, primarily unrealized investment gains and losses, are recorded directly to other comprehensive income. Otherwise, changes in deferred income tax assets and liabilities are included as a component of income tax expense. In assessing the recoverability of deferred tax assets, management considers whether it is more likely than not that the Company will generate future taxable income during the periods in which those temporary differences become deductible. The Company considers the scheduled reversal of deferred tax liabilities, tax planning strategies and projected future taxable income in making this assessment. If necessary, the Company establishes a valuation allowance to reduce the deferred tax assets to the amounts more likely than not to be realized. The Company recognizes tax benefits for tax positions that are more likely than not to be sustained upon examination by taxing authorities. The Company’s policy is to prospectively classify accrued interest and penalties related to any unrecognized tax benefits in its income tax provision.
Reinsurance	Reinsurance The Company cedes insurance risk under various reinsurance agreements. The Company seeks to reduce the loss that may arise from catastrophes or other events that cause unfavorable underwriting results by reinsuring certain levels of risk with other insurance enterprises. The Company remains liable with respect to any insurance ceded if the assuming companies are unable to meet their obligations under these reinsurance agreements.
Premises and Equipment	Premises and Equipment Premises and equipment are recorded at cost. Maintenance and repairs are charged to operations as incurred. Depreciation is computed on a straight-line basis over the estimated useful lives of the assets, as follows: Buildings and improvements 30 years Leasehold improvements Remaining lease term Other equipment 3 to 20 years Hardware and software 3 to 10 years
Variable Interest Entities and Non-controlling Interest	Variable Interest Entities A VIE is a legal entity that does not have sufficient equity at risk to finance its activities without additional subordinated financial support or is structured such that equity investors lack the ability to make significant decisions relating to the entity’s operations through voting rights or do not substantively participate in the gains and losses of the entity. The Company’s consolidation principles require the inclusion of VIEs in which the Company is deemed the primary beneficiary. The primary beneficiary is the entity that has both (1) the power to direct the activities of the VIE that most significantly affect that entity’s economic performance and (2) the obligation to absorb losses or the right to receive benefits that could be potentially significant to the VIE. The Company consolidates the Reciprocal Exchanges as it has determined that these are VIEs of which the Company is the primary beneficiary. The Company manages the business operations of the Reciprocal Exchanges and has the ability to direct their activities. The Company receives a management fee for the services provided to the Reciprocal Exchanges. The Reciprocal Exchanges are insurance carriers organized as unincorporated associations. In the event of dissolution, policyholders would share any residual unassigned surplus in the same proportion as the amount of insurance purchased but are not subject to assessment for any deficit in unassigned surplus of the Reciprocal Exchanges. The assets of the Reciprocal Exchanges can be used only to settle the obligations of the Reciprocal Exchanges and general creditors to their liabilities have no recourse to the Company as primary beneficiary. The Company has no ownership interest in the Reciprocal Exchanges. The results of operations of the Reciprocal Exchanges and the management companies are included in the Company’s Property and Casualty (“P&C”) segment. Non-controlling Interest
Concentration of Credit Risk	Concentration of Credit Risk Financial instruments that potentially subject the Company to concentration of credit risk are primarily cash and cash equivalents, investments and premiums and other receivables. Investments are diversified through many industries and geographic regions through the use of an investment manager who employs different investment strategies. The Company limits the amount of credit exposure with any one financial institution and believes that no significant concentration of credit risk exists with respect to cash and investments. At December 31, 2018 and 2017 , the outstanding premiums and other receivables balance was generally diversified due to the Company’s diversified customer base. To reduce credit risk, the Company performs ongoing evaluations for uncollectible amounts. The Company also has receivables from its reinsurers, see Note 10 , “ Reinsurance ” for additional information about concentration of credit risk. Failure of reinsurers to honor their obligations could result in losses to the Company. The Company periodically evaluates the financial condition of its reinsurers to minimize its exposure to significant losses from reinsurer insolvencies. It is the policy of management to review all outstanding receivables at period end as well as the bad debt
Foreign Currency Remeasurement and Translation	Foreign Currency Remeasurement and Translation
Service and fee income	Service and Fee Income The Company currently generates policy service and fee income from installment fees, late payment fees, and other finance and processing fees related to policy cancellation, policy reinstatement and insufficient funds check returns. These fees are generally designed to offset expenses incurred in the administration of the Company’s insurance business, and are generated as follows. Installment fees are charged to permit a policyholder to pay premiums in installments rather than in a lump sum. Late payment fees are charged when premiums are remitted after the due date and any applicable grace periods. Policy cancellation fees are charged to policyholders when a policy is terminated by the policyholder prior to the expiration of the policy’s term or renewal term, as applicable. Reinstatement fees are charged to reinstate a policy that has lapsed, generally as a result of non-payment of premiums. Insufficient fund fees are charged when the customer’s payment is returned by the financial institution. All fee income is recognized as follows. An installment fee is recognized at the time each policy installment bill is due. A late payment fee is recognized when the customer’s payment is not received after the listed due date and any applicable grace period. A policy cancellation fee is recognized at the time the customer’s policy is canceled. A policy reinstatement fee is recognized when the customer’s policy is reinstated. An insufficient fund fee is recognized when the customer’s payment is returned by the financial institution. The amounts charged are primarily intended to compensate the Company for the administrative costs associated with processing and administering policies that generate insurance premium; however, the amounts of fees charged are not dependent on the amount or period of insurance coverage provided and do not entail any obligation to return any portion of those funds. The direct and indirect costs associated with generating fee income are not separately tracked. The Company estimates an allowance for doubtful accounts based on a percentage of fee income. The Company also collects service fees in the form of commission and general agent fees by selling policies issued by third-party insurance companies. The Company does not bear insurance underwriting risk with respect to these policies. Commission income and general agent fees are recognized, net of an allowance for estimated policy cancellations, at the time when the policy is sold. The allowance for estimated third-party cancellations is periodically evaluated and adjusted as necessary. On January 1, 2018, the Company adopted ASU 2014-09, “Revenue from Contracts with Customers” and all the related amendments (“ASC 606”) using the modified retrospective method. The adoption of this new standard impacted the Company’s consolidated financial statements, specifically the Accident and Health (“A&H”) commission revenues. Under ASC 606, the Company recognizes Medicare-related and other accident and health commission revenues equal to the estimated life-time value of a policy at the time when the policy is sold, as opposed to its past treatment of recognizing revenue initially billed or as of the effective date of the insurance policy, whichever is later. The Company recorded a cumulative-effect adjustment of applying the standard as an adjustment increasing the opening balance of retained earnings by $8,830 upon adoption. The Company also collects service fees in the form of group health administrative fees by performing enrollment and claims services for self-funded employer plans. The Company does not bear insurance underwriting risk in these administrative activities. Group health administrative fees are recognized pro-rata over the term of the administrative contract with the employer, which generally covers twelve months.
Recent Accounting Standards	Accounting Standards Recent Accounting Standards, Adopted Standard Description Date of Adoption Effect on the Company ASU 2014-09, Revenue from Contracts with Customers (Topic 606) and related amendments. This standard removes inconsistencies and weaknesses in revenue requirements, provides a more robust framework for addressing revenue issues, improves comparability of revenue recognition practices, and provides improved disclosure requirements. January 1, 2018 While the guidance excludes revenue from insurance contracts, investments and financial instruments from its scope, the guidance is applicable to certain of the Company’s service and fee income. The Company adopted ASC 606 using the modified retrospective method and recorded a cumulative-effect adjustment to the opening balance sheet, increasing retained earnings by $8,830. ASU 2016-01, Financial Instruments-Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities. This standard provides users of financial statements with more useful information on the recognition, measurement, presentation, and disclosure of financial instruments. Specifically, under ASU 2016-01, equity investments (other than those accounted for using the equity method of accounting or those subject to consolidation) are to be measured at fair value with changes in fair value recognized in earnings. January 1, 2018 The Company recorded a cumulative-effect adjustment to the opening balance sheet, increasing Accumulated Other Comprehensive Income (“AOCI”) by $36 and decreasing retained earnings by the same amount. To conform to the current-year presentation, equity securities are presented in a single line in the Consolidated Balance Sheets and Consolidated Statements of Cash Flows. ASU 2016-16, Income Taxes (Topic 740): Intra-Entity Transfers of Assets Other Than Inventory. This standard requires an entity to recognize the income tax consequences of an intra-entity transfer of an asset other than inventory when the transfer occurs. January 1, 2018 Based on the intra-entity transfers of assets executed by the Company, the adoption of this guidance did not have an effect on the Company’s results of operations, financial position or liquidity. Standard Description Date of Adoption Effect on the Company ASU 2017-08, Premium Amortization on Purchased Callable Debt Securities. This standard requires an entity to shorten the amortization period for certain callable debt securities held at a premium so that the premium is amortized to the earliest call date. Early adoption is permitted, and the ASU requires adoption under a modified retrospective basis through a cumulative-effect adjustment to the beginning balance of retained earnings. January 1, 2018 The Company early adopted the standard. The adoption of this guidance did not have a material impact on the Company’s results of operations, financial position or liquidity. ASU 2018-09, Codifications Improvements. This standard includes clarifications to existing codifications or corrections of unintended application of guidance that is not expected to have a significant effect on current accounting practice or create a significant administrative cost to most entities. The amendments affect a wide variety of topics in the codification. The transition and effective date guidance is based on the facts and circumstances of each amendment. Some of the amendments in this update do not require transition guidance and were effective upon issuance of this update. However, many of the amendments in this update do have transition guidance with effective dates for annual periods beginning after December 15, 2018. December 31, 2018 None of the applicable topics were deemed to have a material impact on the Company’s consolidated financial statements. ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. This standard modifies the disclosure requirements on fair value measurements. The following disclosure requirements applicable to the Company were removed from Topic 820: (i) the amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy, (ii) the policy for timing of transfers between levels and (iii) the valuation processes for Level 3 fair value measurements. The additional disclosure requires the Company to disclose the changes in unrealized gains and losses for the period included in other comprehensive income for recurring Level 3 fair value measurements held at the end of the reporting period. December 31, 2018 The impact of this standard was limited to disclosure requirements. With the exception of amendments on changes in unrealized gains and losses, all other amendments were applied retrospectively. Recent Accounting Standards, Not Yet Adopted Standard Description Effective Date Effect on the Company ASU 2016-02, Leases (Topic 842) and related amendments. This standard was issued to increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet and disclosing key information about leasing arrangements. The standard establishes a right-of-use (“ROU”) model that requires a lessee to record a ROU asset and a lease liability on the balance sheet for all leases with terms longer than 12 months. Leases will be classified as either finance or operating, with classification affecting the pattern of expense recognition in the income statement. A modified retrospective transition approach is required for lessees for capital and operating leases existing at, or entered into after, the beginning of the earliest comparative period presented in the financial statements, with certain practical expedients available. In July 2018, the FASB issued ASU 2018-11, “Leases (Topic 842): Targeted Improvements,” to provide an entity with another transition approach to apply the new lease standard and recognize a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. January 1, 2019 The Company currently estimates that the recognition of the ROU asset and lease liability net of deferred rent and inducement costs will result in an increase in both total assets and liabilities in the Consolidated Balance Sheet of approximately $85,000, net of the deferred tax impact. The Company does not expect the impact of the standard to have a material effect on the Consolidated Statements of Income and will have no impact on cash flows. ASU 2016-13, Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. This standard significantly changes the impairment model for most financial assets and certain other instruments. ASU 2016-13 will require immediate recognition of estimated credit losses expected to occur over the remaining life of many financial assets, which will generally result in earlier recognition of allowances for credit losses on loans and other financial instruments. Companies will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. Companies will continue to use judgment to determine which loss estimation method is appropriate for their circumstances. In November 2018, the FASB issued ASU 2018-19, “Codification Improvements to Topic 326, Financial Instruments-Credit Losses,” the amendment to ASU 2016-13 which clarifies that receivables arising from operating leases are not within the scope of Topic 326 and impairment of receivables arising from operating leases should be accounted for in accordance with Topic 842, Leases. January 1, 2020 Based on the financial instruments currently held by the Company, there would not be a material effect on the Company’s consolidated financial condition, results of operations, cash flows and disclosures if the new guidance were able to be adopted in the current accounting period. The impact on the Company’s consolidated financial condition, results of operations, cash flows and disclosures at the date of adoption of the updated guidance will be determined by the financial instruments held by the Company and the economic conditions at that time. Standard Description Effective Date Effect on the Company ASU 2017-04, Intangibles-Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment. This standard establishes a one-step process for testing the value of the goodwill which an entity carries. ASU 2017-04 requires the goodwill impairment to be measured as the excess of the reporting unit’s carrying amount over its fair value. January 1, 2020 The Company is currently evaluating the impact this guidance will have on its consolidated financial condition, results of operations, cash flows and disclosures. Based on the goodwill currently held by the Company, there would not be a material effect on the Company’s consolidated financial condition, results of operations, cash flows and disclosures if the new guidance were able to be adopted in the current accounting period. The impact on the Company’s consolidated financial condition, results of operations, cash flows and disclosures at the date of adoption of the updated guidance will be determined by the goodwill held by the Company at that time. ASU 2018-12, Financial Services-Insurance (Topic 944): Targeted Improvements to the Accounting for Long-Duration Contracts. This standard makes targeted improvements to the existing recognition, measurement, presentation and disclosure requirements for long-duration contracts issued by an insurance entity. The standard is intended to: (i) improve the timeliness of recognizing changes in the liability for future policy benefits and modify the rate used to discount future cash flows, (ii) simplify and improve the accounting for certain market-based options or guarantees associated with deposit or account balance contracts, (iii) simplify the amortization of deferred acquisition costs and (iv) improve the effectiveness of the required disclosures. January 1, 2021 The Company is currently evaluating the impact this guidance will have on its consolidated financial condition, results of operations, cash flows and disclosures.

Significant Accounting Polici_3

Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2018
Accounting Policies [Abstract]
Schedule of Useful Lives and composition of Premises and Equipment	Depreciation is computed on a straight-line basis over the estimated useful lives of the assets, as follows: Buildings and improvements 30 years Leasehold improvements Remaining lease term Other equipment 3 to 20 years Hardware and software 3 to 10 years December 31, 2018 2017 Cost Accumulated Depreciation Net Value Cost Accumulated Depreciation Net Value Land $ 6,073 $ — $ 6,073 $ 3,380 $ — $ 3,380 Buildings 31,489 (2,554 ) 28,935 24,586 (1,634 ) 22,952 Leasehold improvements 35,469 (9,152 ) 26,317 26,300 (5,061 ) 21,239 Other equipment 28,774 (5,670 ) 23,104 22,510 (3,986 ) 18,524 Hardware and software 385,059 (161,484 ) 223,575 373,081 (115,127 ) 257,954 Total $ 486,864 $ (178,860 ) $ 308,004 $ 449,857 $ (125,808 ) $ 324,049 NGHC $ 477,804 $ (171,495 ) $ 306,309 $ 440,798 $ (121,018 ) $ 319,780 Reciprocal Exchanges 9,060 (7,365 ) 1,695 9,059 (4,790 ) 4,269 Total $ 486,864 $ (178,860 ) $ 308,004 $ 449,857 $ (125,808 ) $ 324,049
Schedule of Service and Fee Income	The following table summarizes service and fee income by segment and category: Year Ended December 31, 2018 2017 2016 Property Accident (1) Total Property Accident Total Property Accident Total Commission revenue $ 93,235 $ 70,086 $ 163,321 $ 78,678 $ 67,015 $ 145,693 $ 58,498 $ 51,845 $ 110,343 Finance and processing fees 121,058 4,535 125,593 117,122 7,183 124,305 80,292 8,332 88,624 Installment fees 92,785 — 92,785 83,883 — 83,883 43,460 — 43,460 Group health administrative fees — 79,411 79,411 — 62,217 62,217 — 69,689 69,689 Late payment fees 33,765 86 33,851 27,184 121 27,305 16,609 128 16,737 Other service and fee income 34,760 31,862 66,622 41,446 18,078 59,524 43,022 8,942 51,964 Total $ 375,603 $ 185,980 $ 561,583 $ 348,313 $ 154,614 $ 502,927 $ 241,881 $ 138,936 $ 380,817 NGHC $ 369,852 $ 185,980 $ 555,832 $ 342,519 $ 154,614 $ 497,133 $ 238,019 $ 138,936 $ 376,955 Reciprocal Exchanges 5,751 — 5,751 5,794 — 5,794 3,862 — 3,862 Total $ 375,603 $ 185,980 $ 561,583 $ 348,313 $ 154,614 $ 502,927 $ 241,881 $ 138,936 $ 380,817 (1) The impact to commission revenue for the year ended December 31, 2018 was an increase of $12,588 as a result of applying ASC 606. Prior period amounts have not been adjusted under the modified retrospective method.
Accounting Standards	Accounting Standards Recent Accounting Standards, Adopted Standard Description Date of Adoption Effect on the Company ASU 2014-09, Revenue from Contracts with Customers (Topic 606) and related amendments. This standard removes inconsistencies and weaknesses in revenue requirements, provides a more robust framework for addressing revenue issues, improves comparability of revenue recognition practices, and provides improved disclosure requirements. January 1, 2018 While the guidance excludes revenue from insurance contracts, investments and financial instruments from its scope, the guidance is applicable to certain of the Company’s service and fee income. The Company adopted ASC 606 using the modified retrospective method and recorded a cumulative-effect adjustment to the opening balance sheet, increasing retained earnings by $8,830. ASU 2016-01, Financial Instruments-Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities. This standard provides users of financial statements with more useful information on the recognition, measurement, presentation, and disclosure of financial instruments. Specifically, under ASU 2016-01, equity investments (other than those accounted for using the equity method of accounting or those subject to consolidation) are to be measured at fair value with changes in fair value recognized in earnings. January 1, 2018 The Company recorded a cumulative-effect adjustment to the opening balance sheet, increasing Accumulated Other Comprehensive Income (“AOCI”) by $36 and decreasing retained earnings by the same amount. To conform to the current-year presentation, equity securities are presented in a single line in the Consolidated Balance Sheets and Consolidated Statements of Cash Flows. ASU 2016-16, Income Taxes (Topic 740): Intra-Entity Transfers of Assets Other Than Inventory. This standard requires an entity to recognize the income tax consequences of an intra-entity transfer of an asset other than inventory when the transfer occurs. January 1, 2018 Based on the intra-entity transfers of assets executed by the Company, the adoption of this guidance did not have an effect on the Company’s results of operations, financial position or liquidity. Standard Description Date of Adoption Effect on the Company ASU 2017-08, Premium Amortization on Purchased Callable Debt Securities. This standard requires an entity to shorten the amortization period for certain callable debt securities held at a premium so that the premium is amortized to the earliest call date. Early adoption is permitted, and the ASU requires adoption under a modified retrospective basis through a cumulative-effect adjustment to the beginning balance of retained earnings. January 1, 2018 The Company early adopted the standard. The adoption of this guidance did not have a material impact on the Company’s results of operations, financial position or liquidity. ASU 2018-09, Codifications Improvements. This standard includes clarifications to existing codifications or corrections of unintended application of guidance that is not expected to have a significant effect on current accounting practice or create a significant administrative cost to most entities. The amendments affect a wide variety of topics in the codification. The transition and effective date guidance is based on the facts and circumstances of each amendment. Some of the amendments in this update do not require transition guidance and were effective upon issuance of this update. However, many of the amendments in this update do have transition guidance with effective dates for annual periods beginning after December 15, 2018. December 31, 2018 None of the applicable topics were deemed to have a material impact on the Company’s consolidated financial statements. ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. This standard modifies the disclosure requirements on fair value measurements. The following disclosure requirements applicable to the Company were removed from Topic 820: (i) the amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy, (ii) the policy for timing of transfers between levels and (iii) the valuation processes for Level 3 fair value measurements. The additional disclosure requires the Company to disclose the changes in unrealized gains and losses for the period included in other comprehensive income for recurring Level 3 fair value measurements held at the end of the reporting period. December 31, 2018 The impact of this standard was limited to disclosure requirements. With the exception of amendments on changes in unrealized gains and losses, all other amendments were applied retrospectively. Recent Accounting Standards, Not Yet Adopted Standard Description Effective Date Effect on the Company ASU 2016-02, Leases (Topic 842) and related amendments. This standard was issued to increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet and disclosing key information about leasing arrangements. The standard establishes a right-of-use (“ROU”) model that requires a lessee to record a ROU asset and a lease liability on the balance sheet for all leases with terms longer than 12 months. Leases will be classified as either finance or operating, with classification affecting the pattern of expense recognition in the income statement. A modified retrospective transition approach is required for lessees for capital and operating leases existing at, or entered into after, the beginning of the earliest comparative period presented in the financial statements, with certain practical expedients available. In July 2018, the FASB issued ASU 2018-11, “Leases (Topic 842): Targeted Improvements,” to provide an entity with another transition approach to apply the new lease standard and recognize a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. January 1, 2019 The Company currently estimates that the recognition of the ROU asset and lease liability net of deferred rent and inducement costs will result in an increase in both total assets and liabilities in the Consolidated Balance Sheet of approximately $85,000, net of the deferred tax impact. The Company does not expect the impact of the standard to have a material effect on the Consolidated Statements of Income and will have no impact on cash flows. ASU 2016-13, Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. This standard significantly changes the impairment model for most financial assets and certain other instruments. ASU 2016-13 will require immediate recognition of estimated credit losses expected to occur over the remaining life of many financial assets, which will generally result in earlier recognition of allowances for credit losses on loans and other financial instruments. Companies will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. Companies will continue to use judgment to determine which loss estimation method is appropriate for their circumstances. In November 2018, the FASB issued ASU 2018-19, “Codification Improvements to Topic 326, Financial Instruments-Credit Losses,” the amendment to ASU 2016-13 which clarifies that receivables arising from operating leases are not within the scope of Topic 326 and impairment of receivables arising from operating leases should be accounted for in accordance with Topic 842, Leases. January 1, 2020 Based on the financial instruments currently held by the Company, there would not be a material effect on the Company’s consolidated financial condition, results of operations, cash flows and disclosures if the new guidance were able to be adopted in the current accounting period. The impact on the Company’s consolidated financial condition, results of operations, cash flows and disclosures at the date of adoption of the updated guidance will be determined by the financial instruments held by the Company and the economic conditions at that time. Standard Description Effective Date Effect on the Company ASU 2017-04, Intangibles-Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment. This standard establishes a one-step process for testing the value of the goodwill which an entity carries. ASU 2017-04 requires the goodwill impairment to be measured as the excess of the reporting unit’s carrying amount over its fair value. January 1, 2020 The Company is currently evaluating the impact this guidance will have on its consolidated financial condition, results of operations, cash flows and disclosures. Based on the goodwill currently held by the Company, there would not be a material effect on the Company’s consolidated financial condition, results of operations, cash flows and disclosures if the new guidance were able to be adopted in the current accounting period. The impact on the Company’s consolidated financial condition, results of operations, cash flows and disclosures at the date of adoption of the updated guidance will be determined by the goodwill held by the Company at that time. ASU 2018-12, Financial Services-Insurance (Topic 944): Targeted Improvements to the Accounting for Long-Duration Contracts. This standard makes targeted improvements to the existing recognition, measurement, presentation and disclosure requirements for long-duration contracts issued by an insurance entity. The standard is intended to: (i) improve the timeliness of recognizing changes in the liability for future policy benefits and modify the rate used to discount future cash flows, (ii) simplify and improve the accounting for certain market-based options or guarantees associated with deposit or account balance contracts, (iii) simplify the amortization of deferred acquisition costs and (iv) improve the effectiveness of the required disclosures. January 1, 2021 The Company is currently evaluating the impact this guidance will have on its consolidated financial condition, results of operations, cash flows and disclosures.

Investments (Tables)

Investments (Tables)	12 Months Ended
	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Available-for-Sale Securities	The amortized cost, gross unrealized gains and losses, and fair value of available-for-sale debt securities were as follows: December 31, 2018 Amortized Cost Gross Gross Fair Value U.S. Treasury $ 64,829 $ 1,026 $ (262 ) $ 65,593 Federal agencies 37,842 22 (389 ) 37,475 States and political subdivision bonds 274,367 1,369 (3,539 ) 272,197 Foreign government 151,443 993 (70 ) 152,366 Corporate bonds 1,283,061 3,094 (25,450 ) 1,260,705 Residential mortgage-backed securities 944,365 716 (19,965 ) 925,116 Commercial mortgage-backed securities 548,192 3,757 (6,974 ) 544,975 Asset-backed securities 60,563 705 (121 ) 61,147 Structured securities 249,947 99 (8,588 ) 241,458 Total $ 3,614,609 $ 11,781 $ (65,358 ) $ 3,561,032 NGHC $ 3,311,639 $ 11,206 $ (58,896 ) $ 3,263,949 Reciprocal Exchanges 302,970 575 (6,462 ) 297,083 Total $ 3,614,609 $ 11,781 $ (65,358 ) $ 3,561,032 December 31, 2017 Amortized Cost Gross Gross Fair Value U.S. Treasury $ 36,236 $ 987 $ (230 ) $ 36,993 Federal agencies 20,711 5 (27 ) 20,689 States and political subdivision bonds 418,557 4,431 (3,907 ) 419,081 Foreign government 55,575 2,736 (57 ) 58,254 Corporate bonds 1,053,777 14,809 (7,697 ) 1,060,889 Residential mortgage-backed securities 1,020,481 211 (15,953 ) 1,004,739 Commercial mortgage-backed securities 143,519 2,340 (1,816 ) 144,043 Asset-backed securities 421 — (7 ) 414 Structured securities 390,514 4,959 (686 ) 394,787 Total $ 3,139,791 $ 30,478 $ (30,380 ) $ 3,139,889 NGHC $ 2,835,293 $ 27,117 $ (27,455 ) $ 2,834,955 Reciprocal Exchanges 304,498 3,361 (2,925 ) 304,934 Total $ 3,139,791 $ 30,478 $ (30,380 ) $ 3,139,889
Investments Classified by Contractual Maturity	The amortized cost and fair value of available-for-sale debt securities held as of December 31, 2018 , by contractual maturity, are shown in the table below. Actual maturities may differ from contractual maturities because some borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. NGHC Reciprocal Exchanges Total December 31, 2018 Amortized Fair Amortized Fair Amortized Fair Due in one year or less $ 38,446 $ 38,277 $ 475 $ 474 $ 38,921 $ 38,751 Due after one year through five years 743,915 735,967 148,074 144,666 891,989 880,633 Due after five years through ten years 795,043 783,409 55,397 54,039 850,440 837,448 Due after ten years 268,387 261,350 11,752 11,612 280,139 272,962 Mortgage-backed securities 1,465,848 1,444,946 87,272 86,292 1,553,120 1,531,238 Total $ 3,311,639 $ 3,263,949 $ 302,970 $ 297,083 $ 3,614,609 $ 3,561,032
Gross Unrealized Losses	The tables below summarize the gross unrealized losses on debt securities classified as available for sale, by length of time the security has continuously been in an unrealized loss position. Less Than 12 Months 12 Months or More Total December 31, 2018 Fair Unrealized Fair Unrealized Fair Unrealized U.S. Treasury $ 474 $ (2 ) $ 21,540 $ (260 ) $ 22,014 $ (262 ) Federal agencies 23,729 (351 ) 1,493 (38 ) 25,222 (389 ) States and political subdivision bonds 57,090 (902 ) 119,759 (2,637 ) 176,849 (3,539 ) Foreign government 45,748 (70 ) — — 45,748 (70 ) Corporate bonds 586,359 (12,891 ) 321,115 (12,559 ) 907,474 (25,450 ) Residential mortgage-backed securities 234,396 (1,637 ) 551,623 (18,328 ) 786,019 (19,965 ) Commercial mortgage-backed securities 13,229 (239 ) 148,700 (6,735 ) 161,929 (6,974 ) Asset-backed securities 25,978 (78 ) 1,494 (43 ) 27,472 (121 ) Structured securities 222,154 (8,136 ) 6,167 (452 ) 228,321 (8,588 ) Total $ 1,209,157 $ (24,306 ) $ 1,171,891 $ (41,052 ) $ 2,381,048 $ (65,358 ) NGHC $ 1,115,823 $ (22,668 ) $ 1,018,975 $ (36,228 ) $ 2,134,798 $ (58,896 ) Reciprocal Exchanges 93,334 (1,638 ) 152,916 (4,824 ) 246,250 (6,462 ) Total $ 1,209,157 $ (24,306 ) $ 1,171,891 $ (41,052 ) $ 2,381,048 $ (65,358 ) Less Than 12 Months 12 Months or More Total December 31, 2017 Fair Unrealized Fair Unrealized Fair Unrealized U.S. Treasury $ 21,567 $ (131 ) $ 10,555 $ (99 ) $ 32,122 $ (230 ) Federal agencies 10,069 (11 ) 615 (16 ) 10,684 (27 ) States and political subdivision bonds 145,396 (1,851 ) 86,894 (2,056 ) 232,290 (3,907 ) Foreign government — — 2,443 (57 ) 2,443 (57 ) Corporate bonds 402,236 (4,564 ) 110,207 (3,133 ) 512,443 (7,697 ) Residential mortgage-backed securities 886,032 (13,476 ) 89,412 (2,477 ) 975,444 (15,953 ) Commercial mortgage-backed securities 50,537 (727 ) 27,072 (1,089 ) 77,609 (1,816 ) Asset-backed securities — — 414 (7 ) 414 (7 ) Structured securities 73,561 (631 ) 3,727 (55 ) 77,288 (686 ) Total $ 1,589,398 $ (21,391 ) $ 331,339 $ (8,989 ) $ 1,920,737 $ (30,380 ) NGHC $ 1,408,081 $ (19,254 ) $ 300,732 $ (8,201 ) $ 1,708,813 $ (27,455 ) Reciprocal Exchanges 181,317 (2,137 ) 30,607 (788 ) 211,924 (2,925 ) Total $ 1,589,398 $ (21,391 ) $ 331,339 $ (8,989 ) $ 1,920,737 $ (30,380 )
Equity Securities	The fair values of equity securities were as follows: December 31, 2018 2017 Common stock $ 10,949 $ 48,119 Preferred stock — 2,222 Total $ 10,949 $ 50,341 NGHC $ 10,949 $ 50,341 Reciprocal Exchanges — — Total $ 10,949 $ 50,341
Investment Income	The components of net investment income consisted of the following: Year Ended December 31, 2018 2017 2016 Cash and short-term investments $ 1,659 $ 1,506 $ 418 Debt securities 107,077 106,002 96,755 Equity securities 665 345 1,901 Other, net (related parties - $4,876, $(4,141) and $23,194 in 2018, 2017 and 2016, respectively) 13,932 2,289 28,496 Investment income 123,333 110,142 127,570 Investment expenses (4,299 ) (8,192 ) (12,383 ) Net investment income $ 119,034 $ 101,950 $ 115,187 NGHC $ 110,159 $ 92,625 $ 106,471 Reciprocal Exchanges 8,875 9,325 8,716 Net investment income $ 119,034 $ 101,950 $ 115,187
Net Realized and Unrealized Gains and Losses	Year Ended December 31, 2018 2017 2016 Debt securities, available-for-sale: Gross gains $ 4,590 $ 58,405 $ 34,577 Gross losses (22,860 ) (3,754 ) (10,090 ) Net realized gain (loss) on debt securities, available-for-sale (18,270 ) 54,651 24,487 Debt securities, trading — (1,887 ) 11,858 Equity securities (12,305 ) (9,562 ) (8,489 ) Short-term and other investments (288 ) 261 112 OTTI on investments (3,000 ) (25 ) (22,102 ) Foreign currency transaction 4,318 3,325 2,038 Net realized gain (loss) on investments $ (29,545 ) $ 46,763 $ 7,904 NGHC $ (26,179 ) $ 40,640 $ 7,389 Reciprocal Exchanges (3,366 ) 6,123 515 Net realized gain (loss) on investments $ (29,545 ) $ 46,763 $ 7,904 Impairment charges included in net realized gains and losses were as follows: Year Ended December 31, 2018 2017 2016 Debt securities - Corporate bonds $ — $ — $ 7,238 Equity securities - Common stock — 25 14,864 Other invested assets 3,000 — — Total OTTI loss recognized in earnings $ 3,000 $ 25 $ 22,102 NGHC $ 3,000 $ 25 $ 22,102 Reciprocal Exchanges — — — Total OTTI loss recognized in earnings $ 3,000 $ 25 $ 22,102 Net gains and losses recognized during the reporting period on equity securities and debt securities classified as trading still held at the reporting date were as follows: Year Ended December 31, 2018 2017 2016 Equity Securities Equity Securities and Debt Securities Equity Securities and Debt Securities Net gains (losses) recognized during the year $ (12,305 ) $ (20,096 ) $ 16,096 Less: Net gains (losses) recognized during the year on securities sold during the year (864 ) (11,851 ) 4,221 Net gains (losses) recognized during the reporting period on securities still held at the reporting date $ (11,441 ) $ (8,245 ) $ 11,875
Credit Quality of Investments	The tables below summarize the credit quality of debt securities and preferred stock securities, as rated by Standard & Poor’s (“S&P”). If a security is not rated by S&P, an S&P equivalent is determined based on ratings from similar rating agencies. Securities that are not rated are included in the “BB+ and lower” category. NGHC Reciprocal Exchanges December 31, 2018 Amortized Cost Fair Value Percentage Amortized Cost Fair Value Percentage U.S. Treasury $ 52,122 $ 52,759 1.6 % $ 12,707 $ 12,834 4.3 % AAA 586,639 589,078 18.0 % 18,335 18,109 6.1 % AA, AA+, AA- 1,385,709 1,358,528 41.6 % 142,525 140,114 47.2 % A, A+, A- 591,219 581,106 17.8 % 118,535 115,618 38.9 % BBB, BBB+, BBB- 653,645 641,554 19.7 % 10,834 10,374 3.5 % BB+ and lower 42,305 40,924 1.3 % 34 34 — % Total $ 3,311,639 $ 3,263,949 100.0 % $ 302,970 $ 297,083 100.0 % NGHC Reciprocal Exchanges December 31, 2017 Amortized Cost Fair Value Percentage Amortized Cost Fair Value Percentage U.S. Treasury $ 30,244 $ 31,026 1.1 % $ 5,992 $ 5,967 2.0 % AAA 255,132 259,506 9.1 % 29,540 28,961 9.5 % AA, AA+, AA- 1,399,287 1,382,191 48.7 % 133,250 133,316 43.7 % A, A+, A- 531,185 534,298 18.8 % 135,682 136,657 44.8 % BBB, BBB+, BBB- 574,456 581,406 20.5 % — — — % BB+ and lower 47,542 48,759 1.8 % 34 33 — % Total $ 2,837,846 $ 2,837,186 100.0 % $ 304,498 $ 304,934 100.0 % The tables below summarize the investment quality of the corporate bond holdings and industry concentrations. December 31, 2018 AAA AA+, A+,A,A- BBB+, BB+ or Fair % of Financial Institutions — % 4.3 % 23.1 % 14.2 % 0.9 % $ 535,373 42.5 % Industrials 0.4 % 6.1 % 21.5 % 26.7 % 0.6 % 697,324 55.3 % Utilities/Other — % — % 1.8 % 0.4 % — % 28,008 2.2 % Total 0.4 % 10.4 % 46.4 % 41.3 % 1.5 % $ 1,260,705 100.0 % NGHC — % 6.3 % 37.3 % 40.6 % 1.4 % $ 1,079,099 85.6 % Reciprocal Exchanges 0.4 % 4.1 % 9.1 % 0.7 % 0.1 % 181,606 14.4 % Total 0.4 % 10.4 % 46.4 % 41.3 % 1.5 % $ 1,260,705 100.0 % December 31, 2017 AAA AA+, A+,A,A- BBB+, BB+ or Fair % of Financial Institutions 2.9 % 7.8 % 31.7 % 11.9 % — % $ 575,746 54.3 % Industrials 0.7 % 3.0 % 16.9 % 21.8 % 0.5 % 454,764 42.9 % Utilities/Other — % — % 1.3 % 1.5 % — % 30,388 2.8 % Total 3.6 % 10.8 % 49.9 % 35.2 % 0.5 % $ 1,060,898 100.0 % NGHC 2.9 % 3.4 % 37.1 % 35.2 % 0.5 % $ 839,615 79.1 % Reciprocal Exchanges 0.7 % 7.4 % 12.8 % — % — % 221,283 20.9 % Total 3.6 % 10.8 % 49.9 % 35.2 % 0.5 % $ 1,060,898 100.0 %
Cash and Cash Equivalents, Restricted Cash and Restricted Investments	ash, cash equivalents, and restricted cash are as follows: December 31, 2018 2017 Cash and cash equivalents $ 193,858 $ 292,282 Restricted cash and cash equivalents 39,725 65,202 Total cash, cash equivalents and restricted cash $ 233,583 $ 357,484 Restricted investments are as follows: December 31, 2018 2017 Securities on deposit with state regulatory authorities $ 73,119 $ 76,996 Restricted investments to trusts in certain reinsurance transactions 70,470 110,314 Total restricted investments $ 143,589 $ 187,310
Other Investments	The table below summarizes the composition of other investments: December 31, 2018 2017 Equity method investments (related parties - $106,031 and $221,375) $ 142,921 $ 256,321 Notes receivable (related parties - $127,692 and $126,173) 128,893 126,173 Long-term Certificates of Deposit (CDs), at cost 20,252 20,339 Investments, at fair value 6,542 10,791 Investments, at cost or amortized cost 7,668 7,668 Total $ 306,276 $ 421,292
LSC Entity	The following table presents the Company’s 50% investment activity in the LSC Entity: Year Ended December 31, 2018 2017 2016 Beginning of the year $ 160,683 $ 185,992 $ 153,661 Distributions (118,635 ) (45,127 ) — Contributions 2,000 21,040 11,500 Equity in earnings (losses) 4,276 (1,222 ) 20,831 Change in equity method investments (112,359 ) (25,309 ) 32,331 End of the year $ 48,324 $ 160,683 $ 185,992

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
Fair Value, by Balance Sheet Grouping	Assets measured at fair value on a recurring basis are as follows: December 31, 2018 Level 1 Level 2 Level 3 Total Available-for-sale debt securities: U.S. Treasury $ 65,593 $ — $ — $ 65,593 Federal agencies 37,475 — — 37,475 States and political subdivision bonds — 268,601 3,596 272,197 Foreign government — 152,366 — 152,366 Corporate bonds — 1,248,938 11,767 1,260,705 Residential mortgage-backed securities — 925,116 — 925,116 Commercial mortgage-backed securities — 544,975 — 544,975 Asset-backed securities — 61,147 — 61,147 Structured securities — 241,458 — 241,458 Total available-for-sale debt securities 103,068 3,442,601 15,363 3,561,032 Equity securities: Common stock 9,898 — 1,051 10,949 Total equity securities 9,898 — 1,051 10,949 Short-term investments 348,549 — — 348,549 Other investments — — 6,542 6,542 Total $ 461,515 $ 3,442,601 $ 22,956 $ 3,927,072 NGHC $ 429,502 $ 3,160,203 $ 22,956 $ 3,612,661 Reciprocal Exchanges 32,013 282,398 — 314,411 Total $ 461,515 $ 3,442,601 $ 22,956 $ 3,927,072 December 31, 2017 Level 1 Level 2 Level 3 Total Available-for-sale debt securities: U.S. Treasury $ 36,993 $ — $ — $ 36,993 Federal agencies 20,689 — — 20,689 States and political subdivision bonds — 415,000 4,081 419,081 Foreign government — 58,254 — 58,254 Corporate bonds — 1,036,344 24,545 1,060,889 Residential mortgage-backed securities — 1,004,739 — 1,004,739 Commercial mortgage-backed securities — 144,043 — 144,043 Asset-backed securities — 414 — 414 Structured securities — 394,787 — 394,787 Total available-for-sale debt securities 57,682 3,053,581 28,626 3,139,889 Equity securities: Common stock 43,067 — 5,052 48,119 Preferred stock — 1,952 270 2,222 Total equity securities 43,067 1,952 5,322 50,341 Short-term investments 38,266 — — 38,266 Other investments — 9 10,782 10,791 Total $ 139,015 $ 3,055,542 $ 44,730 $ 3,239,287 NGHC $ 110,769 $ 2,756,575 $ 44,730 $ 2,912,074 Reciprocal Exchanges 28,246 298,967 — 327,213 Total $ 139,015 $ 3,055,542 $ 44,730 $ 3,239,287
Schedule of Changes in Fair Value of Financial Assets and Liabilities	The following tables provide a reconciliation of recurring fair value measurements of the Level 3 financial assets: States and political subdivision bonds Corporate bonds Common stock Preferred stock Other investments Total Balance as of January 1, 2018 $ 4,081 $ 24,545 $ 5,052 $ 270 $ 10,782 $ 44,730 Transfers into Level 3 — — — — — — Transfers out of Level 3 — — — — — — Total gains (losses) for the period: Included in net income (1) — — (4,001 ) (270 ) 1,057 (3,214 ) Included in other comprehensive income (2) (485 ) (12,778 ) — — — (13,263 ) Purchases — — — — — — Sales — — — — (5,297 ) (5,297 ) Balance as of December 31, 2018 $ 3,596 $ 11,767 $ 1,051 $ — $ 6,542 $ 22,956 Change in unrealized gains (losses) for the period included in net income for assets held at the end of the reporting period $ — $ — $ (4,001 ) $ (270 ) $ 606 $ (3,665 ) Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period $ (485 ) $ (12,778 ) $ — $ — $ — $ (13,263 ) States and political subdivision bonds Foreign government Corporate bonds Residential mortgage- backed securities Commercial mortgage- backed securities Structured securities Common stock Preferred stock Other investments Total Balance as of January 1, 2017 $ 4,732 $ 1,910 $ 36,044 $ 7,423 $ 4,849 $ 9,055 $ 6,297 $ — $ 9,427 $ 79,737 Transfers into Level 3 — — — — — — 1 275 — 276 Transfers out of Level 3 (2 ) (1,910 ) (1,787 ) (7,422 ) (4,849 ) (7,054 ) — — — (23,024 ) Total gains (losses) for the period: Included in net income (1) — — — — — — — — 84 84 Included in other comprehensive income (2) (649 ) — 13 — — — 2,632 (5 ) — 1,991 Purchases — — — — — — 4,119 — 3,986 8,105 Sales — — (9,725 ) (1 ) — (2,001 ) (7,997 ) — (2,715 ) (22,439 ) Balance as of December 31, 2017 $ 4,081 $ — $ 24,545 $ — $ — $ — $ 5,052 $ 270 $ 10,782 $ 44,730 Change in unrealized gains (losses) for the period included in net income for assets held at the end of the reporting period $ — $ — $ — $ — $ — $ — $ — $ — $ 84 $ 84 (1) Gains and losses recognized in net income are reported within Net investment income. (2)
Schedule of Carrying Values and Estimated Fair Values of Debt Instruments	The following table presents the carrying amount and fair value estimates of debt not carried at fair value: December 31, 2018 December 31, 2017 Carrying amount Fair value Carrying amount Fair value 6.75% Notes $ 346,439 $ 353,756 $ 345,786 $ 366,131 7.625% Notes 96,842 90,400 96,756 101,640 Subordinated Debentures 72,168 72,109 72,168 72,101 Imperial Surplus Notes — — 5,000 4,984 SPCIC Surplus Notes — — 4,000 3,996 Credit Agreement 160,000 163,222 190,000 195,420 Total $ 675,449 $ 679,487 $ 713,710 $ 744,272

Premiums and Other Receivable_2

Premiums and Other Receivables, Net (Tables)	12 Months Ended
	Dec. 31, 2018
Receivables [Abstract]
Schedule Of Premiums And Other Receivables, Net	Premiums and other receivables, net consisted of the following: December 31, 2018 2017 Premiums receivable $ 1,284,122 $ 1,188,170 Commission receivables 66,111 75,777 Investment receivables 386 29,971 Other receivables 69,401 48,949 Allowance for uncollectible amounts (20,208 ) (18,546 ) Total $ 1,399,812 $ 1,324,321 NGHC $ 1,338,485 $ 1,267,529 Reciprocal Exchanges 61,327 56,792 Total $ 1,399,812 $ 1,324,321

Deferred Acquisition Costs (Tab

Deferred Acquisition Costs (Tables)	12 Months Ended
	Dec. 31, 2018
Deferred Policy Acquisition Costs Disclosures [Abstract]
Deferred Policy Acquisition Costs	The following table reflects the amounts of policy acquisition costs deferred and amortized: Year Ended December 31, 2018 2017 2016 Property Accident Total Property Accident Total Property Accident Total Beginning of the year $ 198,283 $ 18,106 $ 216,389 $ 207,597 $ 13,325 $ 220,922 $ 153,767 $ 6,764 $ 160,531 Additions 522,914 22,898 545,812 478,426 26,930 505,356 443,435 51,760 495,195 Deductions (1) — — — — — — (23,803 ) — (23,803 ) Amortization (495,009 ) (15,784 ) (510,793 ) (487,740 ) (22,149 ) (509,889 ) (365,802 ) (45,199 ) (411,001 ) Change in DAC 27,905 7,114 35,019 (9,314 ) 4,781 (4,533 ) 53,830 6,561 60,391 End of the year $ 226,188 $ 25,220 $ 251,408 $ 198,283 $ 18,106 $ 216,389 $ 207,597 $ 13,325 $ 220,922 NGHC $ 206,181 $ 25,220 $ 231,401 $ 177,446 $ 18,106 $ 195,552 $ 176,554 $ 13,325 $ 189,879 Reciprocal Exchanges 20,007 — 20,007 20,837 — 20,837 31,043 — 31,043 End of the year $ 226,188 $ 25,220 $ 251,408 $ 198,283 $ 18,106 $ 216,389 $ 207,597 $ 13,325 $ 220,922 (1)

Premises and Equipment, Net (Ta

Premises and Equipment, Net (Tables)	12 Months Ended
	Dec. 31, 2018
Property, Plant and Equipment [Abstract]
Schedule of Useful Lives and composition of Premises and Equipment	Depreciation is computed on a straight-line basis over the estimated useful lives of the assets, as follows: Buildings and improvements 30 years Leasehold improvements Remaining lease term Other equipment 3 to 20 years Hardware and software 3 to 10 years December 31, 2018 2017 Cost Accumulated Depreciation Net Value Cost Accumulated Depreciation Net Value Land $ 6,073 $ — $ 6,073 $ 3,380 $ — $ 3,380 Buildings 31,489 (2,554 ) 28,935 24,586 (1,634 ) 22,952 Leasehold improvements 35,469 (9,152 ) 26,317 26,300 (5,061 ) 21,239 Other equipment 28,774 (5,670 ) 23,104 22,510 (3,986 ) 18,524 Hardware and software 385,059 (161,484 ) 223,575 373,081 (115,127 ) 257,954 Total $ 486,864 $ (178,860 ) $ 308,004 $ 449,857 $ (125,808 ) $ 324,049 NGHC $ 477,804 $ (171,495 ) $ 306,309 $ 440,798 $ (121,018 ) $ 319,780 Reciprocal Exchanges 9,060 (7,365 ) 1,695 9,059 (4,790 ) 4,269 Total $ 486,864 $ (178,860 ) $ 308,004 $ 449,857 $ (125,808 ) $ 324,049

Goodwill and Intangible Asset_2

Goodwill and Intangible Assets, Net (Tables)	12 Months Ended
	Dec. 31, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Goodwill	The changes in the carrying amounts of goodwill by segments are as follows: Property and Casualty Accident and Health Total Balance as of January 1, 2017 Goodwill $ 124,190 $ 77,112 $ 201,302 Accumulated impairment loss (30,321 ) (12,617 ) (42,938 ) Balance as of January 1, 2017, net $ 93,869 $ 64,495 $ 158,364 Additions 11,903 8,770 20,673 Impairment loss (4,884 ) — (4,884 ) Balance as of December 31, 2017 Goodwill 136,093 85,882 221,975 Accumulated impairment loss (35,205 ) (12,617 ) (47,822 ) Balance as of December 31, 2017, net $ 100,888 $ 73,265 $ 174,153 Additions — 6,030 6,030 Balance as of December 31, 2018 Goodwill 136,093 91,912 228,005 Accumulated impairment loss (35,205 ) (12,617 ) (47,822 ) Balance as of December 31, 2018, net $ 100,888 $ 79,295 $ 180,183
Schedule of Intangible Assets and Goodwill	The composition of goodwill and intangible assets consisted of the following: December 31, 2018 Gross Balance Accumulated Amortization Net Value Useful Life Agent/Customer relationships $ 184,617 $ (72,876 ) $ 111,741 2 - 16 years Renewal rights 51,057 (36,342 ) 14,715 3 - 7 years Proprietary technology 14,346 (5,455 ) 8,891 4 - 15 years Leases 5,523 (1,091 ) 4,432 13 years Trademarks 5,450 (1,529 ) 3,921 5 - 15 years Loss reserve discount 6,942 (5,964 ) 978 6 - 9 years Non-compete agreements 840 (157 ) 683 4 - 15 years Affinity partners 800 (649 ) 151 11 years Management contracts 118,600 — 118,600 indefinite life State licenses 85,825 — 85,825 indefinite life Trademarks 30,000 — 30,000 indefinite life Goodwill 180,183 — 180,183 indefinite life Total $ 684,183 $ (124,063 ) $ 560,120 NGHC $ 680,283 $ (123,568 ) $ 556,715 Reciprocal Exchanges 3,900 (495 ) 3,405 Total $ 684,183 $ (124,063 ) $ 560,120 As of December 31, 2018 , there were no circumstances that indicate that the carrying amount of goodwill and intangible assets deemed to have an indefinite useful life may not be recoverable. December 31, 2017 Gross Accumulated Net Value Useful Life Agent/Customer relationships $ 178,151 $ (54,536 ) $ 123,615 2 - 16 years Renewal rights 51,377 (27,005 ) 24,372 3 - 7 years Proprietary technology 14,007 (3,663 ) 10,344 3 - 10 years Leases 5,523 (668 ) 4,855 13 years Trademarks 3,835 (864 ) 2,971 5 - 11 years Loss reserve discount 6,942 (4,840 ) 2,102 6 - 9 years Non-compete agreements 840 (82 ) 758 4 - 15 years Affinity partners 800 (579 ) 221 11 years Management contracts 118,600 — 118,600 indefinite life State licenses 86,232 — 86,232 indefinite life Trademarks 30,000 — 30,000 indefinite life Goodwill 174,153 — 174,153 indefinite life Total $ 670,460 $ (92,237 ) $ 578,223 NGHC $ 666,460 $ (91,922 ) $ 574,538 Reciprocal Exchanges 4,000 (315 ) 3,685 Total $ 670,460 $ (92,237 ) $ 578,223
Schedule of Amortization Expense	Intangible assets amortization expense consisted of the following: Year Ended December 31, 2018 2017 2016 Amortization of intangible assets $ 31,724 $ 59,737 $ 64,786 Impairment of intangible assets 275 131 5,038 Subtotal 31,999 59,868 69,824 Amortization of loss reserve premiums (632 ) (1,257 ) (899 ) Total $ 31,367 $ 58,611 $ 68,925 NGHC $ 31,323 $ 51,729 $ 48,130 Reciprocal Exchanges 44 6,882 20,795 Total $ 31,367 $ 58,611 $ 68,925
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense	The estimated aggregate amortization expense for each of the next five years and thereafter is: Year ending NGHC Reciprocal Total 2019 $ 26,936 $ 180 $ 27,116 2020 20,009 180 20,189 2021 16,923 45 16,968 2022 14,099 — 14,099 2023 11,805 — 11,805 Thereafter 55,335 — 55,335 Total $ 145,107 $ 405 $ 145,512

Unpaid Losses and Loss Adjust_2

Unpaid Losses and Loss Adjustment Expense Reserves (Tables)	12 Months Ended
	Dec. 31, 2018
Insurance [Abstract]
Schedule of Liability for Unpaid Claims and Claims Adjustment Expenses	The tables below show the rollforward of loss reserves on a gross and net of reinsurance basis, reflecting changes in losses incurred and paid losses: Year Ended December 31, 2018 Property Accident NGHC Reciprocal Total Unpaid losses and LAE, gross of related reinsurance recoverable at beginning of the year $ 2,270,551 $ 249,653 $ 2,520,204 $ 143,353 $ 2,663,557 Less: Reinsurance recoverable at beginning of the year (1,067,495 ) (9,840 ) (1,077,335 ) (52,408 ) (1,129,743 ) Net balance at beginning of the year 1,203,056 239,813 1,442,869 90,945 1,533,814 Incurred losses and LAE related to: Current year 2,182,923 352,322 2,535,245 161,015 2,696,260 Prior year (4,760 ) (30,977 ) (35,737 ) 1,703 (34,034 ) Total incurred 2,178,163 321,345 2,499,508 162,718 2,662,226 Paid losses and LAE related to: Current year (1,336,359 ) (188,014 ) (1,524,373 ) (110,053 ) (1,634,426 ) Prior year (720,039 ) (117,653 ) (837,692 ) (43,119 ) (880,811 ) Total paid (2,056,398 ) (305,667 ) (2,362,065 ) (153,172 ) (2,515,237 ) Effect of foreign exchange rates — (8,786 ) (8,786 ) — (8,786 ) Net balance at end of the year 1,324,821 246,705 1,571,526 100,491 1,672,017 Plus: Reinsurance recoverable at end of the year 1,182,588 24,575 1,207,163 77,979 1,285,142 Gross balance at end of the year $ 2,507,409 $ 271,280 $ 2,778,689 $ 178,470 $ 2,957,159 Year Ended December 31, 2017 Property and Casualty Accident and Health NGHC Reciprocal Exchanges Total Unpaid losses and LAE, gross of related reinsurance recoverable at beginning of the year $ 1,936,391 $ 200,400 $ 2,136,791 $ 137,075 $ 2,273,866 Less: Reinsurance recoverable at beginning of the year (827,672 ) (10,933 ) (838,605 ) (42,192 ) (880,797 ) Net balance at beginning of the year 1,108,719 189,467 1,298,186 94,883 1,393,069 Incurred losses and LAE related to: Current year 2,172,506 327,289 2,499,795 118,938 2,618,733 Prior year 15,273 (8,826 ) 6,447 902 7,349 Total incurred 2,187,779 318,463 2,506,242 119,840 2,626,082 Paid losses and LAE related to: Current year (1,364,011 ) (166,669 ) (1,530,680 ) (81,371 ) (1,612,051 ) Prior year (729,431 ) (107,992 ) (837,423 ) (42,407 ) (879,830 ) Total paid (2,093,442 ) (274,661 ) (2,368,103 ) (123,778 ) (2,491,881 ) Effect of foreign exchange rates — 6,544 6,544 — 6,544 Net balance at end of the year 1,203,056 239,813 1,442,869 90,945 1,533,814 Plus: Reinsurance recoverable at end of the year 1,067,495 9,840 1,077,335 52,408 1,129,743 Gross balance at end of the year $ 2,270,551 $ 249,653 $ 2,520,204 $ 143,353 $ 2,663,557 Year Ended December 31, 2016 Property and Casualty Accident and Health NGHC Reciprocal Exchanges Total Unpaid losses and LAE, gross of related reinsurance recoverable at beginning of the year $ 1,479,953 $ 150,230 $ 1,630,183 $ 132,392 $ 1,762,575 Less: Reinsurance recoverable at beginning of the year (793,508 ) (583 ) (794,091 ) (39,085 ) (833,176 ) Net balance at beginning of the year 686,445 149,647 836,092 93,307 929,399 Incurred losses and LAE related to: Current year 1,716,729 291,900 2,008,629 70,113 2,078,742 Prior year 5,125 9,310 14,435 (897 ) 13,538 Total incurred 1,721,854 301,210 2,023,064 69,216 2,092,280 Paid losses and LAE related to: Current year (1,070,080 ) (181,957 ) (1,252,037 ) (45,607 ) (1,297,644 ) Prior year (521,912 ) (84,824 ) (606,736 ) (22,417 ) (629,153 ) Total paid (1,591,992 ) (266,781 ) (1,858,773 ) (68,024 ) (1,926,797 ) Acquired outstanding loss and loss adjustment reserve 292,412 9,682 302,094 384 302,478 Effect of foreign exchange rates — (4,291 ) (4,291 ) — (4,291 ) Net balance at end of the year 1,108,719 189,467 1,298,186 94,883 1,393,069 Plus: Reinsurance recoverable at end of the year 827,672 10,933 838,605 42,192 880,797 Gross balance at end of the year $ 1,936,391 $ 200,400 $ 2,136,791 $ 137,075 $ 2,273,866
Short-duration Insurance Contracts, Claims Development	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2018 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 Total of IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims (unaudited) 2010 $ 422,123 $ 414,378 $ 413,664 $ 413,623 $ 412,187 $ 411,689 $ 411,304 $ 410,997 $ 411,290 $ 10 86,459 2011 506,352 499,170 498,050 498,184 497,244 495,246 494,825 495,170 19 107,854 2012 485,454 480,353 478,880 477,577 476,538 474,649 476,166 36 112,028 2013 306,761 300,868 299,561 296,618 296,907 296,756 100 75,831 2014 318,488 306,471 303,925 304,496 304,237 474 73,367 2015 357,023 349,559 351,747 353,688 6,312 69,636 2016 350,737 341,762 340,711 3,690 60,486 2017 402,798 365,092 14,807 57,547 2018 327,463 42,891 54,127 Total (A) $ 3,370,573 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 (unaudited) 2010 $ 247,802 $ 370,301 $ 393,226 $ 404,490 $ 408,195 $ 409,781 $ 410,875 $ 410,994 $ 411,249 2011 314,139 457,480 485,054 489,778 493,408 494,198 494,525 494,904 2012 300,271 452,589 466,266 471,084 473,190 473,781 475,765 2013 219,937 279,743 289,302 293,101 295,332 296,382 2014 198,781 278,255 289,456 297,640 301,741 2015 233,264 319,284 336,921 342,156 2016 227,650 320,564 331,102 2017 258,234 338,065 2018 227,907 Total (B) $ 3,219,271 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 177 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 151,479 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2018 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 Total of IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims (unaudited) 2010 $ 29,664 $ 24,572 $ 24,652 $ 24,700 $ 24,682 $ 24,665 $ 24,659 $ 24,653 $ 24,653 $ — 12,374 2011 26,936 26,055 26,022 26,060 26,037 26,029 26,023 26,028 — 12,041 2012 25,752 26,459 26,189 25,914 25,842 25,841 25,845 — 11,301 2013 23,375 25,214 25,292 24,709 24,703 24,704 — 11,072 2014 29,240 27,424 25,806 25,588 25,882 (1 ) 11,557 2015 21,247 18,592 18,673 18,789 (39 ) 10,328 2016 12,270 12,921 12,985 (170 ) 8,752 2017 15,301 15,410 (731 ) 10,691 2018 19,146 (218 ) 13,002 Total (A) $ 193,442 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 (unaudited) 2010 $ 25,583 $ 24,873 $ 24,725 $ 24,701 $ 24,681 $ 24,665 $ 24,661 $ 24,654 $ 24,653 2011 28,274 26,269 26,106 26,056 26,037 26,033 26,027 26,028 2012 23,760 26,651 26,172 25,914 25,854 25,850 25,845 2013 22,651 25,088 24,549 24,725 24,716 24,704 2014 24,528 26,165 25,772 25,427 25,685 2015 19,080 18,797 18,750 18,748 2016 12,579 13,147 13,079 2017 15,438 16,141 2018 18,925 Total (B) $ 193,808 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) — Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ (366 ) Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2018 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 Total of IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims (unaudited) 2010 $ 389,966 $ 382,067 $ 381,499 $ 381,748 $ 381,818 $ 381,826 $ 381,795 $ 381,410 $ 381,138 $ 10 309,112 2011 315,273 308,729 308,298 308,486 308,760 308,512 308,536 308,249 (20 ) 298,029 2012 308,056 298,208 295,984 296,257 296,050 295,970 295,026 6 292,483 2013 335,454 329,049 328,748 328,284 328,262 328,010 13 285,737 2014 496,227 487,302 486,206 486,383 486,373 77 311,580 2015 541,008 544,097 544,769 544,510 (13 ) 329,054 2016 626,643 622,456 621,717 131 337,670 2017 600,813 570,699 1,988 384,399 2018 548,063 39,000 347,326 Total (A) $ 4,083,785 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 (unaudited) 2010 $ 351,865 $ 382,575 $ 381,955 $ 381,926 $ 381,829 $ 381,811 $ 381,789 $ 381,425 $ 381,128 2011 283,501 308,824 308,634 308,608 308,578 308,571 308,557 308,266 2012 268,989 298,381 295,978 295,975 296,029 295,995 294,975 2013 291,064 328,832 328,456 328,299 328,280 327,976 2014 430,998 487,531 486,364 486,309 486,251 2015 478,268 544,754 544,707 544,485 2016 542,970 622,930 621,529 2017 533,907 568,639 2018 483,149 Total (B) $ 4,016,398 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 3 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 67,390 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2018 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 Total of IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims (unaudited) 2010 $ 596,995 $ 593,187 $ 592,353 $ 593,992 $ 594,348 $ 595,763 $ 595,337 $ 595,157 $ 595,215 $ 61 241,670 2011 490,230 485,762 489,010 494,922 493,873 497,109 497,324 496,408 50 238,283 2012 511,797 522,296 529,140 527,386 528,090 527,531 529,885 66 249,856 2013 544,833 556,262 556,290 563,834 567,410 572,538 767 250,051 2014 740,531 759,577 760,566 766,640 779,992 6,150 269,900 2015 820,213 838,040 849,051 872,064 17,352 291,338 2016 932,350 940,849 976,749 51,322 300,680 2017 929,211 912,371 93,880 292,748 2018 1,047,041 380,720 283,045 Total (A) $ 6,782,263 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 (unaudited) 2010 $ 287,058 $ 474,640 $ 534,107 $ 562,918 $ 579,237 $ 590,417 $ 592,932 $ 594,168 $ 594,696 2011 224,676 385,749 442,365 468,059 482,861 489,191 494,145 495,833 2012 242,285 413,018 470,515 501,819 518,079 523,703 527,695 2013 259,665 440,751 504,569 540,497 559,064 567,949 2014 342,710 601,980 694,002 728,256 757,933 2015 385,592 679,461 761,150 820,007 2016 400,052 737,927 855,407 2017 392,084 706,152 2018 429,231 Total (B) $ 5,754,903 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 2,063 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 1,029,423 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2018 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 Total of IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims (unaudited) 2010 $ 61,956 $ 59,169 $ 57,079 $ 56,991 $ 57,453 $ 57,268 $ 57,218 $ 57,222 $ 57,568 $ — 5,854 2011 47,666 47,834 47,459 48,841 51,107 50,898 50,998 51,161 — 5,089 2012 44,834 47,275 48,044 48,665 50,370 50,767 50,303 — 5,016 2013 43,684 44,341 45,479 50,180 51,263 49,854 (1 ) 5,090 2014 38,656 40,850 45,930 48,246 49,168 500 4,845 2015 35,573 33,409 34,390 34,615 1,732 4,366 2016 24,619 24,460 26,109 4,879 4,055 2017 26,214 28,762 5,361 5,071 2018 32,339 14,089 5,940 Total (A) $ 379,879 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 (unaudited) 2010 $ 18,879 $ 32,181 $ 41,020 $ 49,764 $ 53,635 $ 55,155 $ 55,700 $ 56,522 $ 56,961 2011 15,857 26,603 35,911 41,931 46,559 49,570 50,481 50,979 2012 13,568 29,286 37,241 42,768 46,358 48,990 49,836 2013 14,683 29,218 35,105 41,787 47,449 48,449 2014 13,925 26,070 32,382 39,328 46,001 2015 11,910 19,501 24,614 29,538 2016 7,516 13,478 16,994 2017 9,111 17,136 2018 10,755 Total (B) $ 326,649 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 5 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 53,235 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2018 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 Total of IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims (unaudited) 2010 $ 21,110 $ 21,886 $ 23,665 $ 24,328 $ 25,361 $ 26,677 $ 26,282 $ 26,500 $ 26,648 $ 78 23,800 2011 19,863 25,848 26,398 28,016 30,391 29,506 30,201 29,682 184 25,766 2012 21,237 28,128 31,183 34,822 33,906 36,252 35,071 290 29,006 2013 46,293 57,384 60,829 62,297 66,232 64,182 408 57,713 2014 80,718 88,738 91,433 97,733 95,864 509 97,789 2015 212,071 226,857 232,084 232,966 908 275,549 2016 259,281 249,637 252,038 2,175 361,175 2017 273,288 248,038 11,775 343,273 2018 301,198 120,225 244,828 Total (A) $ 1,285,687 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 (unaudited) 2010 $ 11,408 $ 17,907 $ 20,708 $ 22,754 $ 23,942 $ 24,511 $ 24,754 $ 25,146 $ 25,410 2011 11,684 21,437 24,260 26,281 27,425 27,845 28,305 28,586 2012 13,809 23,294 27,402 29,554 30,570 31,578 32,115 2013 27,808 49,334 54,254 56,632 58,144 58,964 2014 46,857 78,463 83,109 85,782 87,441 2015 140,431 208,738 216,424 218,925 2016 147,952 235,572 244,270 2017 132,451 218,237 2018 167,833 Total (B) $ 1,081,781 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 2,238 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 206,144 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2018 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 Total of IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims (unaudited) 2010 $ 38,125 $ 37,831 $ 37,161 $ 36,347 $ 36,691 $ 35,788 $ 35,723 $ 35,639 $ 35,181 $ — 5,049 2011 38,470 28,869 28,511 28,209 27,954 27,950 28,002 28,075 — 6,640 2012 25,289 20,625 21,184 19,971 20,403 20,876 20,251 — 8,422 2013 22,638 21,232 20,132 20,309 20,615 20,367 — 3,148 2014 27,706 24,846 25,625 26,614 27,141 174 4,226 2015 30,081 21,031 21,527 22,007 509 5,443 2016 36,838 35,274 34,851 1,065 4,745 2017 48,222 50,871 939 8,630 2018 76,925 10,886 11,930 Total (A) $ 315,669 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 (unaudited) 2010 $ 23,881 $ 31,051 $ 32,488 $ 34,587 $ 35,265 $ 35,428 $ 35,388 $ 35,497 $ 35,101 2011 21,474 24,997 25,799 26,700 27,661 27,656 27,692 27,758 2012 11,087 18,021 19,367 19,847 19,961 20,668 20,121 2013 11,277 17,435 18,107 19,104 19,653 19,626 2014 15,344 22,834 23,820 25,230 26,170 2015 12,979 18,518 19,834 20,339 2016 20,978 30,615 31,632 2017 33,166 46,003 2018 55,519 Total (B) $ 282,269 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 2,157 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 35,557
Short-duration Insurance Contracts, Schedule of Historical Claims Duration	Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 (unaudited) Reciprocal Exchanges - auto liability 30.6 % 25.1 % 14.4 % 13.7 % 9.3 % 3.8 % 1.3 % 0.8 % 0.8 % Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 (unaudited) Property and Casualty - homeowners & other property, including lender placed homeowners 66.1 % 26.4 % 4.2 % 1.6 % 1.1 % 0.3 % 0.2 % — % 0.1 % Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 (unaudited) Property and Casualty - auto liability, including recreational vehicles and motorcycles 43.7 % 33.7 % 11.0 % 5.8 % 3.3 % 1.5 % 0.6 % 0.3 % 0.3 % Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 (unaudited) Reciprocal Exchanges - auto physical damage 98.6 % 3.0 % (1.5 )% (0.4 )% 0.1 % 0.1 % — % — % — % Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 (unaudited) Property and Casualty - auto physical damage, including recreational vehicles, motorcycles and lender placed auto 89.7 % 10.5 % (0.1 )% — % — % — % (0.1 )% — % (0.1 )% Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 (unaudited) Accident and Health (excluding DE captive subsidiaries) 54.5 % 32.2 % 4.4 % (0.2 )% (0.3 )% 1.4 % 1.3 % 2.2 % 2.2 % Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 (unaudited) Reciprocal Exchanges - homeowners & other property 65.2 % 22.6 % 3.3 % 4.2 % 3.0 % 1.3 % 0.1 % 0.4 % 0.1 %
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability	The reconciliation of the net incurred and paid claims development tables to the liability for unpaid loss and loss adjustment expense reserves is as follows: December 31, 2018 Net outstanding liabilities: Property and Casualty - Auto Liability $ 1,029,423 Property and Casualty - Auto Physical Damage 67,390 Property and Casualty - Homeowners and Other Property 151,479 Accident and Health 206,144 Reciprocal Exchanges - Auto Liability 53,235 Reciprocal Exchanges - Auto Physical Damage (366 ) Reciprocal Exchanges - Homeowners and Other Property 35,557 Net reserve for claims and allocated claim adjustment expenses $ 1,542,862 Reinsurance recoverable: (1) Property and Casualty - Auto Liability $ 877,907 Property and Casualty - Auto Physical Damage 16,413 Property and Casualty - Homeowners and Other Property 288,268 Accident and Health 24,575 Reciprocal Exchanges - Auto Liability 37,180 Reciprocal Exchanges - Auto Physical Damage 105 Reciprocal Exchanges - Homeowners and Other Property 40,694 Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses $ 1,285,142 Insurance lines other than short-duration $ 31,048 Unallocated claims adjustment expenses (“ULAE”) 98,107 Subtotal $ 129,155 Gross reserve for claims and claim adjustment expenses $ 2,957,159 (1) Reinsurance recoverable on unpaid losses for Property and Casualty primarily include $590,188 from MCCA and $134,916 from NCRF. See Note 10 , “ Reinsurance ” for additional information. The reconciliation of the net incurred and paid loss information in the loss reserve rollforward table and development tables with respect to the current accident year is as follows: 2018 - Current Accident Year Incurred 2018 - Current Accident Year Paid Property and Casualty Accident and Health Reciprocal Total Property and Casualty Accident and Health Reciprocal Total Rollforward table $ 2,182,923 $ 352,322 $ 161,015 $ 2,696,260 $ 1,336,359 $ 188,014 $ 110,053 $ 1,634,426 Development tables 1,922,567 301,198 128,410 2,352,175 1,140,287 167,833 85,199 1,393,319 Variance $ 260,356 $ 51,124 $ 32,605 $ 344,085 $ 196,072 $ 20,181 $ 24,854 $ 241,107 Unallocated claims adjustment expenses $ 260,356 $ 13,280 $ 32,605 $ 306,241 $ 196,072 $ 6,572 $ 24,854 $ 227,498 Long-duration contracts — 34,937 — 34,937 — 17,944 — 17,944 Effect of foreign exchange rates — 2,907 — 2,907 — (4,335 ) — (4,335 ) Variance $ 260,356 $ 51,124 $ 32,605 $ 344,085 $ 196,072 $ 20,181 $ 24,854 $ 241,107 The reconciliation of the net incurred and paid loss information in the loss reserve rollforward table and development tables with respect to the prior accident year is as follows: 2018 - Prior Accident Year Incurred 2018 - Prior Accident Year Incurred Property and Casualty Accident and Health Reciprocal Total Property and Casualty Accident and Health Reciprocal Total Rollforward table $ (4,760 ) $ (30,977 ) $ 1,703 $ (34,034 ) $ 720,039 $ 117,653 $ 43,119 $ 880,811 Development tables (5,899 ) (27,438 ) 6,548 (26,789 ) 669,687 100,546 41,190 811,423 Variance $ 1,139 $ (3,539 ) $ (4,845 ) $ (7,245 ) $ 50,352 $ 17,107 $ 1,929 $ 69,388 Unallocated claims adjustment expenses $ 412 $ 2,246 $ (5,622 ) $ (2,964 ) $ 49,019 $ 3,758 $ 788 $ 53,565 Accident years prior to 2010 727 — 777 1,504 1,333 736 1,141 3,210 Delaware captive subsidiaries — 19 — 19 — 77 — 77 Long-duration contracts — (5,285 ) — (5,285 ) — 6,628 — 6,628 Effect of foreign exchange rates — (519 ) — (519 ) — 5,908 — 5,908 Variance $ 1,139 $ (3,539 ) $ (4,845 ) $ (7,245 ) $ 50,352 $ 17,107 $ 1,929 $ 69,388

Reinsurance (Tables)

Reinsurance (Tables)	12 Months Ended
	Dec. 31, 2018
Ceded Credit Risk
Schedule Of Effects Of Reinsurance On Premiums And Losses	Reinsurance recoverable summary is as follows: December 31, 2018 2017 Reinsurance recoverable on paid losses $ 326,596 $ 164,422 Reinsurance recoverable on unpaid losses 1,285,142 1,129,743 Reinsurance recoverable $ 1,611,738 $ 1,294,165 The following is the effect of reinsurance on unpaid loss and LAE reserves and unearned premiums: December 31, 2018 2017 Assumed Ceded Assumed Ceded Unpaid Loss and LAE reserves $ 84,469 $ 1,285,142 $ 134,246 $ 1,129,743 Unearned premiums 21,015 665,674 45,182 517,122 The following is a summary of effects of reinsurance on premiums and losses: Year Ended December 31, 2018 2017 2016 Premium: Written Earned Written Earned Written Earned Direct $ 5,317,742 $ 5,049,512 $ 4,637,911 $ 4,233,184 $ 2,964,188 $ 2,718,103 Assumed 99,097 123,265 118,074 239,230 536,710 687,829 Total Gross Premium 5,416,839 5,172,777 4,755,985 4,472,414 3,500,898 3,405,932 Ceded (1,589,126 ) (1,440,575 ) (1,178,390 ) (818,238 ) (428,202 ) (410,761 ) Net Premium $ 3,827,713 $ 3,732,202 $ 3,577,595 $ 3,654,176 $ 3,072,696 $ 2,995,171 Year Ended December 31, 2018 2017 2016 Assumed Ceded Assumed Ceded Assumed Ceded Loss and LAE $ 29,290 $ 1,041,286 $ 128,418 $ 790,524 $ 409,046 $ 463,603
Ceded Credit Risk	The following tables present information for each reinsurer by reinsurance recoverable, prepaid reinsurance and funds held balances: Recoverable on December 31, 2018 A.M. Best Rating Unpaid Losses Paid Losses Prepaid Reinsurance Funds Held Net Reinsurer: MCCA NR $ 590,188 $ 7,470 $ 3,894 $ — $ 601,552 NCRF NR 134,916 36,418 82,550 — 253,884 Hannover Ruck SE A+ 182,184 120,624 192,700 (282,129 ) 213,379 Related Parties Various 5,681 1,744 — — 7,425 Other reinsurers' balances - each less than 5% of total A- or higher 372,173 160,340 386,530 (4,861 ) 914,182 Total $ 1,285,142 $ 326,596 $ 665,674 $ (286,990 ) $ 1,990,422 NGHC $ 1,207,163 $ 287,507 $ 529,241 $ (286,990 ) $ 1,736,921 Reciprocal Exchanges 77,979 39,089 136,433 — 253,501 Total $ 1,285,142 $ 326,596 $ 665,674 $ (286,990 ) $ 1,990,422 Recoverable on December 31, 2017 A.M. Best Unpaid Paid Prepaid Funds Held Net Reinsurer: MCCA NR $ 661,562 $ 7,948 $ 3,948 $ — $ 673,458 NCRF NR 118,701 34,698 78,105 — 231,504 Hannover Ruck SE A+ 97,208 40,725 169,704 (180,222 ) 127,415 Related Parties Various 11,301 4,387 — — 15,688 Other reinsurers' balances - each less than 5% of total A- or higher 240,971 76,664 265,365 (6,742 ) 576,258 Total $ 1,129,743 $ 164,422 $ 517,122 $ (186,964 ) $ 1,624,323 NGHC $ 1,077,335 $ 122,626 $ 416,142 $ (186,942 ) $ 1,429,161 Reciprocal Exchanges 52,408 41,796 100,980 (22 ) 195,162 Total $ 1,129,743 $ 164,422 $ 517,122 $ (186,964 ) $ 1,624,323
MCCA
Ceded Credit Risk
Schedule Of Effects Of Reinsurance On Premiums And Losses	Reinsurance recoverables from MCCA are as follows: December 31, 2018 2017 Reinsurance recoverable on paid losses $ 7,470 $ 7,948 Reinsurance recoverable on unpaid losses 590,188 661,562
Schedule Of Summary Of Premiums And Losses Ceded	The following is a summary of premiums and losses ceded to MCCA: Year Ended December 31, 2018 2017 2016 Ceded earned premiums $ 9,676 $ 9,323 $ 9,404 Ceded Loss and LAE (54,105 ) 14,304 26,510
NCRF
Ceded Credit Risk
Schedule Of Effects Of Reinsurance On Premiums And Losses	Reinsurance recoverables from NCRF are as follows: December 31, 2018 2017 Reinsurance recoverable on paid losses $ 36,418 $ 34,698 Reinsurance recoverable on unpaid losses 134,916 118,701
Schedule Of Summary Of Premiums And Losses Ceded	The following is a summary of premiums and losses ceded to NCRF: Year Ended December 31, 2018 2017 2016 Ceded earned premiums $ 232,270 $ 190,809 $ 165,491 Ceded Loss and LAE 210,297 186,051 173,926

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense (Benefit)	Federal income tax expense consisted of the following: Year Ended December 31, 2018 2017 2016 NGHC Reciprocal Exchanges Total NGHC Reciprocal Exchanges Total NGHC Reciprocal Exchanges Total Current tax expense (benefit) Federal $ 27,039 $ (2,290 ) $ 24,749 $ 13,876 $ 2,840 $ 16,716 $ 61,893 $ 857 $ 62,750 Foreign 1,376 — 1,376 2,057 — 2,057 5,119 — 5,119 Total current tax expense (benefit) $ 28,415 $ (2,290 ) $ 26,125 $ 15,933 $ 2,840 $ 18,773 $ 67,012 $ 857 $ 67,869 Deferred tax expense (benefit) Federal $ 28,015 $ (1,260 ) $ 26,755 $ 59,304 $ (8,485 ) $ 50,819 $ (4,195 ) $ (10,648 ) $ (14,843 ) Foreign 604 — 604 (8,319 ) — (8,319 ) (19,028 ) — (19,028 ) Total deferred tax expense (benefit) $ 28,619 $ (1,260 ) $ 27,359 $ 50,985 $ (8,485 ) $ 42,500 $ (23,223 ) $ (10,648 ) $ (33,871 ) Provision (benefit) for income taxes $ 57,034 $ (3,550 ) $ 53,484 $ 66,918 $ (5,645 ) $ 61,273 $ 43,789 $ (9,791 ) $ 33,998
Schedule of Income before Income Tax, Domestic and Foreign	The domestic and foreign components of income before taxes are as follows: Year Ended December 31, 2018 2017 2016 NGHC Reciprocal Total NGHC Reciprocal Total NGHC Reciprocal Total Domestic $ 244,463 $ (43,380 ) $ 201,083 $ 221,833 $ (9,282 ) $ 212,551 $ 201,372 $ 10,764 $ 212,136 Foreign 19,925 — 19,925 (49,070 ) — (49,070 ) 18,236 — 18,236 Income (loss) $ 264,388 $ (43,380 ) $ 221,008 $ 172,763 $ (9,282 ) $ 163,481 $ 219,608 $ 10,764 $ 230,372
Schedule of Deferred Tax Assets and Liabilities	December 31, 2018 2017 NGHC Reciprocal Total NGHC Reciprocal Total Deferred tax assets: Accrued expenses $ 6,481 $ — $ 6,481 $ 8,195 $ 5,249 $ 13,444 Unearned premiums and other revenue 57,573 4,128 61,701 60,298 4,279 64,577 Bad debt 4,021 222 4,243 3,887 33 3,920 Depreciation — 93 93 3,878 53 3,931 Loss reserve discount 9,902 767 10,669 10,509 953 11,462 Net operating loss carryforwards 87,457 11,403 98,860 35,921 3,905 39,826 Capital loss carryforwards — — — 4,037 190 4,227 Foreign currency translation 3,850 — 3,850 2,076 — 2,076 Unrealized capital losses 10,013 1,236 11,249 — — — Other 10,672 712 11,384 7,646 1,062 8,708 Gross deferred tax assets 189,969 18,561 208,530 136,447 15,724 152,171 Less: Valuation allowance (53,716 ) (6,628 ) (60,344 ) — (5,410 ) (5,410 ) Total deferred tax assets 136,253 11,933 148,186 136,447 10,314 146,761 Deferred tax liabilities: Deferred acquisition costs 47,415 4,201 51,616 43,311 4,376 47,687 Intangible assets 42,264 918 43,182 46,103 914 47,017 Loss reserve discount earnout — — — 3,649 313 3,962 Goodwill 3,007 — 3,007 1,893 — 1,893 Premises and equipment 18,920 — 18,920 2,040 — 2,040 Surplus note interest — 12,355 12,355 — 13,003 13,003 Other 1,090 255 1,345 777 91 868 Gross deferred tax liabilities 112,696 17,729 130,425 97,773 18,697 116,470 Deferred tax asset $ 23,557 $ — $ 23,557 $ 38,674 $ — $ 38,674 Deferred tax liability $ — $ (5,796 ) $ (5,796 ) $ — $ (8,383 ) $ (8,383 )
Schedule of Effective Income Tax Rate Reconciliation	The Company’s income tax expense (benefit) differs from the statutory U.S. federal amount computed by applying the federal income tax rate of 21% for the year ended December 31, 2018 and 35% for the years ending December 31, 2017 and 2016 . The reasons for such differences are as follows: Year Ended December 31, 2018 NGHC Tax Rate Reciprocal Exchanges Tax Rate Total Tax Rate Income (loss) before provision for income taxes $ 264,388 $ (43,380 ) $ 221,008 Tax rate 21.0 % 21.0 % 21.0 % Computed “expected” tax expense $ 55,521 21.0 % $ (9,110 ) 21.0 % $ 46,411 21.0 % Tax effects resulting from: Tax-exempt interest (910 ) (0.3 ) (30 ) 0.1 (940 ) (0.4 ) Effect of foreign operations 2,807 1.1 — — 2,807 1.3 State taxes 4,578 1.7 — — 4,578 2.1 Change in valuation allowance 53,716 20.3 1,218 (2.8 ) 54,934 24.9 Benefits of operating loss carryforwards (53,716 ) (20.3 ) — — (53,716 ) (24.3 ) Effects of TCJA (951 ) (0.4 ) (366 ) 0.8 (1,317 ) (0.6 ) Other permanent items (4,011 ) (1.5 ) 4,738 (10.9 ) 727 0.2 Provision (benefit) for income taxes $ 57,034 21.6 % $ (3,550 ) 8.2 % $ 53,484 24.2 % Year Ended December 31, 2017 NGHC Tax Rate Reciprocal Exchanges Tax Rate Total Tax Rate Income (loss) before provision for income taxes $ 172,763 $ (9,282 ) $ 163,481 Tax rate 35.0 % 35.0 % 35.0 % Computed “expected” tax expense $ 60,467 35.0 % $ (3,249 ) 35.0 % $ 57,218 35.0 % Tax effects resulting from: Tax-exempt interest (2,634 ) (1.5 ) (110 ) 1.2 (2,744 ) (1.7 ) Effect of foreign operations (4,940 ) (2.9 ) — — (4,940 ) (3.0 ) Goodwill impairment 1,709 1.0 — — 1,709 1.0 Statutory equalization reserves (8,319 ) (4.8 ) — — (8,319 ) (5.1 ) Change in valuation allowance — — (1,725 ) 18.6 (1,725 ) (1.1 ) Effects of TCJA 25,783 14.9 (5,194 ) 56.0 20,589 12.6 Other permanent items (5,148 ) (3.0 ) 4,633 (50.0 ) (515 ) (0.2 ) Provision (benefit) for income taxes $ 66,918 38.7 % $ (5,645 ) 60.8 % $ 61,273 37.5 % Year Ended December 31, 2016 NGHC Tax Rate Reciprocal Exchanges Tax Rate Total Tax Rate Income before provision for income taxes $ 219,608 $ 10,764 $ 230,372 Tax rate 35.0 % 35.0 % 35.0 % Computed “expected” tax expense $ 76,862 35.0 % $ 3,767 35.0 % $ 80,629 35.0 % Tax effects resulting from: Tax-exempt interest (3,212 ) (1.5 ) (149 ) (1.4 ) (3,361 ) (1.5 ) Effect of foreign operations (13,416 ) (6.1 ) — — (13,416 ) (5.8 ) Goodwill impairment 1,023 0.5 — — 1,023 0.4 Statutory equalization reserves (5,898 ) (2.7 ) — — (5,898 ) (2.6 ) State taxes 4,824 2.2 — — 4,824 2.1 Change in valuation allowance — — (10,160 ) (94.4 ) (10,160 ) (4.4 ) Bargain purchase gain (8,508 ) (3.9 ) — — (8,508 ) (3.7 ) Other permanent items (7,886 ) (3.6 ) (3,249 ) (30.2 ) (11,135 ) (4.7 ) Provision (benefit) for income taxes $ 43,789 19.9 % $ (9,791 ) (91.0 )% $ 33,998 14.8 %

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2018
Debt Disclosure [Abstract]
Schedule of Maturities of Long-term Debt	Maturities of the Company’s debt for the five years subsequent to December 31, 2018 are as follows: December 31, 2019 2020 2021 2022 2023 Thereafter Total 6.75% Notes $ — $ — $ — $ — $ — $ 350,000 $ 350,000 7.625% Notes — — — — — 100,000 100,000 Subordinated Debentures — — — — — 72,168 72,168 Credit Agreement — 160,000 — — — — 160,000 Total principal amount of debt $ — $ 160,000 $ — $ — $ — $ 522,168 $ 682,168 Less: Unamortized debt issuance costs and unamortized discount (6,719 ) Carrying amount of debt $ 675,449

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2018
Commitments and Contingencies Disclosure [Abstract]
Schedule of Future Minimum Rental Payments for Leases	Future minimum lease payments as of December 31, 2018 , for each of the next five years and thereafter are as follows: December 31, Operating Leases Capital Leases Total 2019 $ 32,056 $ 11,146 $ 43,202 2020 26,583 10,951 37,534 2021 20,993 5,990 26,983 2022 16,571 959 17,530 2023 14,237 640 14,877 Thereafter 40,777 660 41,437 Total $ 151,217 $ 30,346 $ 181,563
Schedule of Amounts Payable under Employment Agreements	The Company has entered into employment agreements with certain individuals. The employment agreements provide for bonuses, executive benefits and severance payments under certain circumstances. Amounts payable under these agreements for the next five years are as follows: December 31, 2019 $ 4,928 2020 2,186 2021 990 2022 990 2023 355 Total $ 9,449

Statutory Financial Data, Ris_2

Statutory Financial Data, Risk-Based Capital and Dividends Restrictions (Tables)	12 Months Ended
	Dec. 31, 2018
Insurance [Abstract]
Statutory Accounting Practices Disclosure	The following table presents the statutory capital and surplus for the Company’s property and casualty, and life insurance companies in accordance with SAP: December 31, Statutory capital and surplus 2018 2017 Property and Casualty Insurance Companies: Domestic $ 1,359,042 $ 1,329,301 Foreign 656,205 686,784 Total $ 2,015,247 $ 2,016,085 Life Insurance Companies: Domestic $ 41,939 $ 36,326 Foreign 49,763 60,650 Total $ 91,702 $ 96,976 The following table presents the statutory net income (loss) for the Company’s property and casualty, and life insurance companies in accordance with SAP: Year Ended December 31, Statutory net income (loss) 2018 2017 2016 (1) Property and Casualty Insurance Companies: Domestic $ 23,539 $ 190,607 $ 67,831 Foreign 47,411 (133,757 ) 6,470 Total $ 70,950 $ 56,850 $ 74,301 Life Insurance Companies: Domestic $ 8,919 $ 10,148 $ 6,259 Foreign (2,526 ) (19,456 ) 3,414 Total $ 6,393 $ (9,308 ) $ 9,673 (1) In 2016 the Company acquired seven domestic property and casualty insurance companies and one

Share-Based Compensation (Table

Share-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Schedule of Share-based Compensation, Stock Options, Activity	A summary of the stock option awards is shown below: Shares Subject to Options Outstanding Year Ended December 31, 2018 Number of Shares Weighted-Average Weighted-Average Aggregate (1) Outstanding at beginning of year 3,450,585 $ 9.37 Exercised (266,233 ) 7.43 Outstanding and exercisable at end of year 3,184,352 $ 9.53 4.0 $ 46,752 (1) The aggregate intrinsic value is calculated as the difference between the exercise price of the underlying stock option awards and the closing price of the Company’s common stock of $24.21 , as reported on the Nasdaq Global Select Market on December 31, 2018
Schedule of Share-based Compensation, Restricted Stock Units Award Activity	A summary of the RSUs is shown below: RSUs Year Ended December 31, 2018 Number of RSUs Weighted-Average Non-vested at beginning of year 845,459 $ 21.83 Granted 458,850 21.36 Vested (351,914 ) 20.08 Forfeited (13,600 ) 19.92 Non-vested at end of year 938,795 $ 22.28

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2018
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted	The following is a summary of the elements used in calculating basic and diluted earnings per common share: Year Ended December 31, 2018 2017 2016 Numerator: Net income attributable to NGHC $ 207,354 $ 105,845 $ 175,706 Preferred stock dividends - nonconvertible (31,500 ) (31,500 ) (24,333 ) Preferred stock dividends - convertible (992 ) — — Numerator for basic EPS 174,862 74,345 151,373 Effect of dilutive securities: Preferred stock dividends - convertible 992 — — Numerator for diluted EPS - after assumed conversions $ 175,854 $ 74,345 $ 151,373 Denominator: Denominator for basic EPS - weighted-average shares outstanding 107,659,813 106,588,402 105,951,752 Effect of dilutive securities: Employee stock options 2,053,681 1,947,546 1,891,083 RSUs 319,089 216,314 435,483 Convertible preferred stock 789,473 — — Dilutive potential common shares 3,162,243 2,163,860 2,326,566 Denominator for diluted EPS - weighted-average shares outstanding and assumed conversions 110,822,056 108,752,262 108,278,318 Basic EPS $ 1.62 $ 0.70 $ 1.43 Diluted EPS $ 1.59 $ 0.68 $ 1.40

Segment Information (Tables)

Segment Information (Tables)	12 Months Ended
	Dec. 31, 2018
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	The following tables summarize the results of operations of the operating segments: Year Ended December 31, 2018 Property and Casualty Accident and Health Corporate and Other Total Underwriting revenues: Gross premium written $ 4,718,730 $ 698,109 $ — $ 5,416,839 Ceded premiums (1,517,556 ) (71,570 ) — (1,589,126 ) Net premium written 3,201,174 626,539 — 3,827,713 Change in unearned premium (85,385 ) (10,126 ) — (95,511 ) Net earned premium 3,115,789 616,413 — 3,732,202 Ceding commission income 217,694 7,003 — 224,697 Service and fee income 375,603 185,980 — 561,583 Total underwriting revenues 3,709,086 809,396 — 4,518,482 Underwriting expenses: Loss and loss adjustment expense 2,340,881 321,345 — 2,662,226 Acquisition costs and other underwriting expenses 550,540 184,726 — 735,266 General and administrative expenses 726,238 201,808 10,000 938,046 Total underwriting expenses 3,617,659 707,879 10,000 4,335,538 Underwriting income 91,427 101,517 (10,000 ) 182,944 Net investment income — — 119,034 119,034 Net loss on investments — — (29,545 ) (29,545 ) Interest expense — — (51,425 ) (51,425 ) Provision for income taxes — — (53,484 ) (53,484 ) Net (income) loss attributable to non-controlling interest — — 39,830 39,830 Net income attributable to NGHC $ 91,427 $ 101,517 $ 14,410 $ 207,354 Year Ended December 31, 2017 Property and Casualty Accident and Health Corporate and Other Total Underwriting revenues: Gross premium written $ 4,174,583 $ 581,402 $ — $ 4,755,985 Ceded premiums (1,132,284 ) (46,106 ) — (1,178,390 ) Net premium written 3,042,299 535,296 — 3,577,595 Change in unearned premium 78,594 (2,013 ) — 76,581 Net earned premium 3,120,893 533,283 — 3,654,176 Ceding commission income 115,443 1,013 — 116,456 Service and fee income 348,313 154,614 — 502,927 Total underwriting revenues 3,584,649 688,910 — 4,273,559 Underwriting expenses: Loss and loss adjustment expense 2,307,619 318,463 — 2,626,082 Acquisition costs and other underwriting expenses 517,550 154,879 — 672,429 General and administrative expenses 741,499 171,497 — 912,996 Total underwriting expenses 3,566,668 644,839 — 4,211,507 Underwriting income 17,981 44,071 — 62,052 Net investment income — — 101,950 101,950 Net gain on investments — — 46,763 46,763 Other income (expense) — — (198 ) (198 ) Interest expense — — (47,086 ) (47,086 ) Provision for income taxes — — (61,273 ) (61,273 ) Net (income) loss attributable to non-controlling interest — — 3,637 3,637 Net income attributable to NGHC $ 17,981 $ 44,071 $ 43,793 $ 105,845 Year Ended December 31, 2016 Property and Casualty Accident and Health Corporate and Other Total Underwriting revenues: Gross premium written $ 3,036,888 $ 464,010 $ — $ 3,500,898 Ceded premiums (382,860 ) (45,342 ) — (428,202 ) Net premium written 2,654,028 418,668 — 3,072,696 Change in unearned premium (73,284 ) (4,241 ) — (77,525 ) Net earned premium 2,580,744 414,427 — 2,995,171 Ceding commission income 44,269 1,331 — 45,600 Service and fee income 241,881 138,936 — 380,817 Total underwriting revenues 2,866,894 554,694 — 3,421,588 Underwriting expenses: Loss and loss adjustment expense 1,791,070 301,210 — 2,092,280 Acquisition costs and other underwriting expenses 394,277 102,730 — 497,007 General and administrative expenses 580,815 128,333 — 709,148 Total underwriting expenses 2,766,162 532,273 — 3,298,435 Underwriting income 100,732 22,421 — 123,153 Net investment income — — 115,187 115,187 Net gain on investments — — 7,904 7,904 Other income — — 24,308 24,308 Interest expense — — (40,180 ) (40,180 ) Provision for income taxes — — (33,998 ) (33,998 ) Net (income) attributable to non-controlling interest — — (20,668 ) (20,668 ) Net income attributable to NGHC $ 100,732 $ 22,421 $ 52,553 $ 175,706 The following tables summarize the financial position of the operating segments: December 31, 2018 Property and Casualty Accident and Health Corporate and Other Total Premiums and other receivables, net $ 1,245,530 $ 153,896 $ 386 $ 1,399,812 Deferred acquisition costs 226,188 25,220 — 251,408 Reinsurance recoverable 1,585,008 26,730 — 1,611,738 Prepaid reinsurance premiums 665,660 14 — 665,674 Intangible assets, net and Goodwill 443,163 116,957 — 560,120 Prepaid and other assets 20,941 22,472 111,545 154,958 Corporate and other assets — — 4,795,570 4,795,570 Total assets $ 4,186,490 $ 345,289 $ 4,907,501 $ 9,439,280 December 31, 2017 Property and Casualty Accident and Health Corporate and Other Total Premiums and other receivables, net $ 1,177,350 $ 117,000 $ 29,971 $ 1,324,321 Deferred acquisition costs 198,283 18,106 — 216,389 Reinsurance recoverable 1,284,325 9,840 — 1,294,165 Prepaid reinsurance premiums 517,122 — — 517,122 Intangible assets, net and Goodwill 464,153 114,070 — 578,223 Prepaid and other assets 21,141 35,608 99,081 155,830 Corporate and other assets — — 4,353,693 4,353,693 Total assets $ 3,662,374 $ 294,624 $ 4,482,745 $ 8,439,743
Revenue from External Customers by Geographic Areas	The following table shows an analysis of the premiums by geographical location: Year Ended December 31, 2018 2017 2016 NGHC Reciprocal Total NGHC Reciprocal Total NGHC Reciprocal Total Gross premium written - North America $ 4,817,658 $ 448,923 $ 5,266,581 $ 4,252,691 $ 383,773 $ 4,636,464 $ 3,156,393 $ 241,540 $ 3,397,933 Gross premium written - Europe 150,258 — 150,258 119,521 — 119,521 102,965 — 102,965 Total $ 4,967,916 $ 448,923 $ 5,416,839 $ 4,372,212 $ 383,773 $ 4,755,985 $ 3,259,358 $ 241,540 $ 3,500,898 Net premium written - North America $ 3,523,060 $ 183,565 $ 3,706,625 $ 3,282,425 $ 175,649 $ 3,458,074 $ 2,849,183 $ 120,548 $ 2,969,731 Net premium written - Europe 121,088 — 121,088 119,521 — 119,521 102,965 — 102,965 Total $ 3,644,148 $ 183,565 $ 3,827,713 $ 3,401,946 $ 175,649 $ 3,577,595 $ 2,952,148 $ 120,548 $ 3,072,696 Net earned premium - North America $ 3,434,386 $ 186,761 $ 3,621,147 $ 3,367,695 $ 169,871 $ 3,537,566 $ 2,787,244 $ 110,395 $ 2,897,639 Net earned premium - Europe 111,055 — 111,055 116,610 — 116,610 97,532 — 97,532 Total $ 3,545,441 $ 186,761 $ 3,732,202 $ 3,484,305 $ 169,871 $ 3,654,176 $ 2,884,776 $ 110,395 $ 2,995,171
Revenue from External Customers by Product Type	The following tables show an analysis of premiums by product type: Year Ended December 31, Gross Premium Written 2018 2017 2016 Property and Casualty Personal Auto $ 2,637,176 $ 2,334,838 $ 1,548,365 Homeowners 688,006 558,827 410,565 RV/Packaged 208,394 187,475 165,919 Small Business Auto 319,299 316,958 257,075 Lender-placed insurance 363,056 345,354 376,058 Other 53,876 47,358 37,366 Property and Casualty $ 4,269,807 $ 3,790,810 $ 2,795,348 Accident and Health 698,109 581,402 464,010 NGHC Total $ 4,967,916 $ 4,372,212 $ 3,259,358 Reciprocal Exchanges Personal Auto $ 153,129 $ 132,844 $ 73,680 Homeowners 291,907 247,460 161,510 Other 3,887 3,469 6,350 Reciprocal Exchanges Total $ 448,923 $ 383,773 $ 241,540 Total $ 5,416,839 $ 4,755,985 $ 3,500,898 Year Ended December 31, Net Premium Written 2018 2017 2016 Property and Casualty Personal Auto $ 2,016,858 $ 1,824,932 $ 1,380,125 Homeowners 331,120 275,013 369,810 RV/Packaged 206,740 185,993 165,025 Small Business Auto 233,456 246,072 234,101 Lender-placed insurance 202,069 313,124 363,896 Other 27,366 21,516 20,523 Property and Casualty $ 3,017,609 $ 2,866,650 $ 2,533,480 Accident and Health 626,539 535,296 418,668 NGHC Total $ 3,644,148 $ 3,401,946 $ 2,952,148 Reciprocal Exchanges Personal Auto $ 61,759 $ 68,292 $ 44,661 Homeowners 120,875 105,536 71,367 Other 931 1,821 4,520 Reciprocal Exchanges Total $ 183,565 $ 175,649 $ 120,548 Total $ 3,827,713 $ 3,577,595 $ 3,072,696 Year Ended December 31, Net Earned Premium 2018 2017 2016 Property and Casualty Personal Auto $ 1,927,667 $ 1,828,304 $ 1,292,563 Homeowners 329,850 349,709 353,228 RV/Packaged 197,258 175,888 158,256 Small Business Auto 237,587 251,576 217,919 Lender-placed insurance 215,811 321,995 422,645 Other 20,855 23,550 25,738 Property and Casualty $ 2,929,028 $ 2,951,022 $ 2,470,349 Accident and Health 616,413 533,283 414,427 NGHC Total $ 3,545,441 $ 3,484,305 $ 2,884,776 Reciprocal Exchanges Personal Auto $ 59,923 $ 66,565 $ 42,225 Homeowners 125,806 101,648 61,748 Other 1,032 1,658 6,422 Reciprocal Exchanges Total $ 186,761 $ 169,871 $ 110,395 Total $ 3,732,202 $ 3,654,176 $ 2,995,171

Selected Quarterly Financial _2

Selected Quarterly Financial Data (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2018
Quarterly Financial Information Disclosure [Abstract]
Schedule of Selected Quarterly Financial Information	The following tables summarize quarterly financial data: 2018 March 31, June 30, September 30, December 31, Total revenues $ 1,117,257 $ 1,135,106 $ 1,168,843 $ 1,186,765 Total expenses 1,045,035 1,091,655 1,097,096 1,153,177 Provision for income taxes 16,202 6,541 15,518 15,223 Net income 56,020 36,910 56,229 18,365 Net income attributable to NGHC 68,208 44,548 68,382 26,216 Net income attributable to NGHC common stockholders 60,333 36,673 60,507 17,349 Basic EPS $ 0.57 $ 0.34 $ 0.56 $ 0.16 Diluted EPS $ 0.55 $ 0.34 $ 0.55 $ 0.16 2017 March 31, June 30, September 30, December 31, Total revenues $ 1,101,854 $ 1,147,693 $ 1,105,783 $ 1,066,744 Total expenses 1,060,267 1,123,033 1,028,352 1,046,941 Provision for income taxes 10,789 11,487 18,475 20,522 Net income (loss) 30,798 13,173 58,956 (719 ) Net income (loss) attributable to NGHC 36,923 13,332 57,645 (2,055 ) Net income (loss) attributable to NGHC common stockholders 29,048 5,457 49,770 (9,930 ) Basic EPS $ 0.27 $ 0.05 $ 0.47 $ (0.09 ) Diluted EPS $ 0.27 $ 0.05 $ 0.46 $ (0.09 )

Organization (Details)

Organization (Details)	Dec. 31, 2018state
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Number of states in which the Company is licensed to operate	50

Significant Accounting Polici_4

Significant Accounting Policies - Premiums and Other Receivables (Details)	12 Months Ended
	Dec. 31, 2018
Accounting Policies [Abstract]
Premium receivables, period for recognition, minimum	6 months
Premium receivables, period for recognition, maximum	12 months

Significant Accounting Polici_5

Significant Accounting Policies - Stock Compensation Expense (Details) - Restricted Stock Units (RSUs)	12 Months Ended
	Dec. 31, 2018
Minimum
Share-based Compensation
Award vesting period	3 years
Maximum
Share-based Compensation
Award vesting period	4 years

Significant Accounting Polici_6

Significant Accounting Policies - Premises and Equipment (Details)	12 Months Ended
	Dec. 31, 2018
Buildings and improvements
Property, Plant and Equipment
Estimated useful life	30 years
Other equipment | Minimum
Property, Plant and Equipment
Estimated useful life	3 years
Other equipment | Maximum
Property, Plant and Equipment
Estimated useful life	20 years
Hardware and software | Minimum
Property, Plant and Equipment
Estimated useful life	3 years
Hardware and software | Maximum
Property, Plant and Equipment
Estimated useful life	10 years

Significant Accounting Polici_7

Significant Accounting Policies - Service and Fee Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	$ 561,583	$ 502,927	$ 380,817
Reciprocal Exchanges
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	5,751	5,794	3,862
National General Holdings Corp. (NGHC), Excluding Reciprocals
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	555,832	497,133	376,955
Property and Casualty
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	375,603	348,313	241,881
Property and Casualty | Reciprocal Exchanges
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	5,751	5,794	3,862
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	369,852	342,519	238,019
Accident and Health
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	185,980	154,614	138,936
Accident and Health | Reciprocal Exchanges
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	0	0	0
Accident and Health | National General Holdings Corp. (NGHC), Excluding Reciprocals
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	185,980	154,614	138,936
Commission revenue
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	163,321	145,693	110,343
Commission revenue | Property and Casualty
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	93,235	78,678	58,498
Commission revenue | Accident and Health
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	70,086	67,015	51,845
Finance and processing fees
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	125,593	124,305	88,624
Finance and processing fees | Property and Casualty
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	121,058	117,122	80,292
Finance and processing fees | Accident and Health
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	4,535	7,183	8,332
Installment fees
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	92,785	83,883	43,460
Installment fees | Property and Casualty
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	92,785	83,883	43,460
Installment fees | Accident and Health
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	0	0	0
Group health administrative fees
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	79,411	62,217	69,689
Group health administrative fees | Property and Casualty
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	0	0	0
Group health administrative fees | Accident and Health
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	79,411	62,217	69,689
Late payment fees
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	33,851	27,305	16,737
Late payment fees | Property and Casualty
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	33,765	27,184	16,609
Late payment fees | Accident and Health
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	86	121	128
Other service and fee income
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	66,622	59,524	51,964
Other service and fee income | Property and Casualty
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	34,760	41,446	43,022
Other service and fee income | Accident and Health
Revenue from External Customer
Revenue from Contract with Customer, Including Assessed Tax	$ 31,862	$ 18,078	$ 8,942

Significant Accounting Polici_8

Significant Accounting Policies - New Accounting Pronouncement (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Accounting Standards Update 2014-09
New Accounting Pronouncements or Change in Accounting Principle
Cumulative effect on retained earnings, net of tax		$ 8,830
Accounting Standards Update 2016-01 | Equity securities
New Accounting Pronouncements or Change in Accounting Principle
Cumulative effect on retained earnings, net of tax		(36)
Accumulated Other Comprehensive Income (Loss) | Accounting Standards Update 2016-01 | Equity securities
New Accounting Pronouncements or Change in Accounting Principle
New Accounting Pronouncement or Change in Accounting Principle, Effect of Adoption, Quantification		(36)
Commission revenue
New Accounting Pronouncements or Change in Accounting Principle
New Accounting Pronouncement or Change in Accounting Principle, Effect of Change on Net Income		$ 12,588
Subsequent Event | Assets | Accounting Standards Update 2016-02
New Accounting Pronouncements or Change in Accounting Principle
New Accounting Pronouncement or Change in Accounting Principle, Effect of Adoption, Quantification	$ 85,000
Subsequent Event | Liability | Accounting Standards Update 2016-02
New Accounting Pronouncements or Change in Accounting Principle
New Accounting Pronouncement or Change in Accounting Principle, Effect of Adoption, Quantification	$ 85,000

Investments - Available-for-sal

Investments - Available-for-sale Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Schedule of Available-for-sale Securities
Debt securities	$ 3,614,609	$ 3,139,791
Debt securities, Gross unrealized gains	11,781	30,478
Debt securities, Gross unrealized losses	(65,358)	(30,380)
Fair Value
Debt securities, available-for-sale, at fair value	3,561,032	3,139,889
Accumulated Other Comprehensive Income (Loss), Other than Temporary Impairment, Not Credit Loss, Net of Tax, Debt Securities	0
Available For Sale Securities Other Than Temporary Impairments In Accumulated Other Comprehensive Income Loss	0	0	$ 0
Reciprocal Exchanges
Schedule of Available-for-sale Securities
Debt securities	302,970	304,498
Debt securities, Gross unrealized gains	575	3,361
Debt securities, Gross unrealized losses	(6,462)	(2,925)
Fair Value
Debt securities, available-for-sale, at fair value	297,083	304,934
National General Holdings Corp. (NGHC), Excluding Reciprocals
Schedule of Available-for-sale Securities
Debt securities	3,311,639	2,835,293
Debt securities, Gross unrealized gains	11,206	27,117
Debt securities, Gross unrealized losses	(58,896)	(27,455)
Fair Value
Debt securities, available-for-sale, at fair value	3,263,949	2,834,955
U.S. Treasury
Schedule of Available-for-sale Securities
Debt securities	64,829	36,236
Debt securities, Gross unrealized gains	1,026	987
Debt securities, Gross unrealized losses	(262)	(230)
Fair Value
Debt securities, available-for-sale, at fair value	65,593	36,993
Federal agencies
Schedule of Available-for-sale Securities
Debt securities	37,842	20,711
Debt securities, Gross unrealized gains	22	5
Debt securities, Gross unrealized losses	(389)	(27)
Fair Value
Debt securities, available-for-sale, at fair value	37,475	20,689
States and political subdivision bonds
Schedule of Available-for-sale Securities
Debt securities	274,367	418,557
Debt securities, Gross unrealized gains	1,369	4,431
Debt securities, Gross unrealized losses	(3,539)	(3,907)
Fair Value
Debt securities, available-for-sale, at fair value	272,197	419,081
Foreign government
Schedule of Available-for-sale Securities
Debt securities	151,443	55,575
Debt securities, Gross unrealized gains	993	2,736
Debt securities, Gross unrealized losses	(70)	(57)
Fair Value
Debt securities, available-for-sale, at fair value	152,366	58,254
Corporate bonds
Schedule of Available-for-sale Securities
Debt securities	1,283,061	1,053,777
Debt securities, Gross unrealized gains	3,094	14,809
Debt securities, Gross unrealized losses	(25,450)	(7,697)
Fair Value
Debt securities, available-for-sale, at fair value	1,260,705	1,060,889
Residential mortgage-backed securities
Schedule of Available-for-sale Securities
Debt securities	944,365	1,020,481
Debt securities, Gross unrealized gains	716	211
Debt securities, Gross unrealized losses	(19,965)	(15,953)
Fair Value
Debt securities, available-for-sale, at fair value	925,116	1,004,739
Commercial mortgage-backed securities
Schedule of Available-for-sale Securities
Debt securities	548,192	143,519
Debt securities, Gross unrealized gains	3,757	2,340
Debt securities, Gross unrealized losses	(6,974)	(1,816)
Fair Value
Debt securities, available-for-sale, at fair value	544,975	144,043
Asset-backed securities
Schedule of Available-for-sale Securities
Debt securities	60,563	421
Debt securities, Gross unrealized gains	705	0
Debt securities, Gross unrealized losses	(121)	(7)
Fair Value
Debt securities, available-for-sale, at fair value	61,147	414
Structured securities
Schedule of Available-for-sale Securities
Debt securities	249,947	390,514
Debt securities, Gross unrealized gains	99	4,959
Debt securities, Gross unrealized losses	(8,588)	(686)
Fair Value
Debt securities, available-for-sale, at fair value	$ 241,458	$ 394,787

Investments - Debt Securities M

Investments - Debt Securities Maturities (Details) $ in Thousands	Dec. 31, 2018USD ($)
Cost or Amortized Cost
Due in one year or less	$ 38,921
Due after one year through five years	891,989
Due after five years through ten years	850,440
Due after ten years	280,139
Mortgage-backed securities	1,553,120
Debt securities, including securities pledged	3,614,609
Fair Value
Due in one year or less	38,751
Due after one year through five years	880,633
Due after five years through ten years	837,448
Due after ten years	272,962
Mortgage-backed securities	1,531,238
Debt Securities, including securities pledged	3,561,032
Reciprocal Exchanges
Cost or Amortized Cost
Due in one year or less	475
Due after one year through five years	148,074
Due after five years through ten years	55,397
Due after ten years	11,752
Mortgage-backed securities	87,272
Debt securities, including securities pledged	302,970
Fair Value
Due in one year or less	474
Due after one year through five years	144,666
Due after five years through ten years	54,039
Due after ten years	11,612
Mortgage-backed securities	86,292
Debt Securities, including securities pledged	297,083
National General Holdings Corp. (NGHC), Excluding Reciprocals
Cost or Amortized Cost
Due in one year or less	38,446
Due after one year through five years	743,915
Due after five years through ten years	795,043
Due after ten years	268,387
Mortgage-backed securities	1,465,848
Debt securities, including securities pledged	3,311,639
Fair Value
Due in one year or less	38,277
Due after one year through five years	735,967
Due after five years through ten years	783,409
Due after ten years	261,350
Mortgage-backed securities	1,444,946
Debt Securities, including securities pledged	$ 3,263,949

Investments - Gross Unrealized

Investments - Gross Unrealized Losses (Details) $ in Thousands	Dec. 31, 2018USD ($)security	Dec. 31, 2017USD ($)security
Fair Value
Less Than 12 Months	$ 1,209,157	$ 1,589,398
12 Months or More	1,171,891	331,339
Total, Fair Market Value	2,381,048	1,920,737
Less Than 12 Months	(24,306)	(21,391)
12 Months or More	(41,052)	(8,989)
Total, Unrealized Losses	$ (65,358)	$ (30,380)
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions | security	1,662	1,014
Available For Sale Securities Unrealized Losses Having Loss Of Twenty Five Percent Or More	$ 0
Twenty Five Percent Of Amortized Cost or Cost	25.00%	25.00%
Reciprocal Exchanges
Fair Value
Less Than 12 Months	$ 93,334	$ 181,317
12 Months or More	152,916	30,607
Total, Fair Market Value	246,250	211,924
Less Than 12 Months	(1,638)	(2,137)
12 Months or More	(4,824)	(788)
Total, Unrealized Losses	(6,462)	(2,925)
National General Holdings Corp. (NGHC), Excluding Reciprocals
Fair Value
Less Than 12 Months	1,115,823	1,408,081
12 Months or More	1,018,975	300,732
Total, Fair Market Value	2,134,798	1,708,813
Less Than 12 Months	(22,668)	(19,254)
12 Months or More	(36,228)	(8,201)
Total, Unrealized Losses	(58,896)	(27,455)
U.S. Treasury
Fair Value
Less Than 12 Months	474	21,567
12 Months or More	21,540	10,555
Total, Fair Market Value	22,014	32,122
Less Than 12 Months	(2)	(131)
12 Months or More	(260)	(99)
Total, Unrealized Losses	(262)	(230)
Federal agencies
Fair Value
Less Than 12 Months	23,729	10,069
12 Months or More	1,493	615
Total, Fair Market Value	25,222	10,684
Less Than 12 Months	(351)	(11)
12 Months or More	(38)	(16)
Total, Unrealized Losses	(389)	(27)
States and political subdivision bonds
Fair Value
Less Than 12 Months	57,090	145,396
12 Months or More	119,759	86,894
Total, Fair Market Value	176,849	232,290
Less Than 12 Months	(902)	(1,851)
12 Months or More	(2,637)	(2,056)
Total, Unrealized Losses	(3,539)	(3,907)
Foreign government
Fair Value
Less Than 12 Months	45,748	0
12 Months or More	0	2,443
Total, Fair Market Value	45,748	2,443
Less Than 12 Months	(70)	0
12 Months or More	0	(57)
Total, Unrealized Losses	(70)	(57)
Corporate bonds
Fair Value
Less Than 12 Months	586,359	402,236
12 Months or More	321,115	110,207
Total, Fair Market Value	907,474	512,443
Less Than 12 Months	(12,891)	(4,564)
12 Months or More	(12,559)	(3,133)
Total, Unrealized Losses	(25,450)	(7,697)
Residential mortgage-backed securities
Fair Value
Less Than 12 Months	234,396	886,032
12 Months or More	551,623	89,412
Total, Fair Market Value	786,019	975,444
Less Than 12 Months	(1,637)	(13,476)
12 Months or More	(18,328)	(2,477)
Total, Unrealized Losses	(19,965)	(15,953)
Commercial mortgage-backed securities
Fair Value
Less Than 12 Months	13,229	50,537
12 Months or More	148,700	27,072
Total, Fair Market Value	161,929	77,609
Less Than 12 Months	(239)	(727)
12 Months or More	(6,735)	(1,089)
Total, Unrealized Losses	(6,974)	(1,816)
Asset-backed securities
Fair Value
Less Than 12 Months	25,978	0
12 Months or More	1,494	414
Total, Fair Market Value	27,472	414
Less Than 12 Months	(78)	0
12 Months or More	(43)	(7)
Total, Unrealized Losses	(121)	(7)
Structured securities
Fair Value
Less Than 12 Months	222,154	73,561
12 Months or More	6,167	3,727
Total, Fair Market Value	228,321	77,288
Less Than 12 Months	(8,136)	(631)
12 Months or More	(452)	(55)
Total, Unrealized Losses	$ (8,588)	$ (686)

Investments Investments - Equit

Investments Investments - Equity Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Schedule of Trading Securities and Other Trading Assets
Equity securities, at fair value	$ 10,949	$ 50,341
Reciprocal Exchanges
Schedule of Trading Securities and Other Trading Assets
Equity securities, at fair value	0	0
National General Holdings Corp. (NGHC), Excluding Reciprocals
Schedule of Trading Securities and Other Trading Assets
Equity securities, at fair value	10,949	50,341
Common stock
Schedule of Trading Securities and Other Trading Assets
Equity securities, at fair value	10,949	48,119
Preferred stock
Schedule of Trading Securities and Other Trading Assets
Equity securities, at fair value	$ 0	$ 2,222

Investments - Investment Income

Investments - Investment Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Net Investment Income
Other investments	$ 306,276	$ 421,292
Investment income	123,333	110,142	$ 127,570
Investment expenses	(4,299)	(8,192)	(12,383)
Net investment income	119,034	101,950	115,187
Reciprocal Exchanges
Net Investment Income
Net investment income	8,875	9,325	8,716
National General Holdings Corp. (NGHC), Excluding Reciprocals
Net Investment Income
Net investment income	110,159	92,625	106,471
Cash and short-term investments
Net Investment Income
Investment Income	1,659	1,506	418
Debt securities
Net Investment Income
Investment Income	107,077	106,002	96,755
Equity securities
Net Investment Income
Investment Income	665	345	1,901
Other
Net Investment Income
Other, net (related parties - $4,876, $(4,141) and $23,194 in 2018, 2017 and 2016, respectively)	13,932	2,289	28,496
Related Party
Net Investment Income
Other investments	233,723	347,548
Related Party | Other
Net Investment Income
Other, net (related parties - $4,876, $(4,141) and $23,194 in 2018, 2017 and 2016, respectively)	$ 4,876	$ (4,141)	$ 23,194

Investments - Net Realized and

Investments - Net Realized and Unrealized Gains (Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Gain (Loss) on Investments
Debt securities, trading	$ 0	$ (1,887)	$ 11,858
Equity securities	(12,305)	(9,562)	(8,489)
Short-term and other investments	(29,545)	46,763
Other-than-temporary impairment loss	0	25	22,102
Foreign currency transaction	4,318	3,325	2,038
Net gain (loss) on investments	(29,545)	46,763	7,904
Net gains (losses) recognized during the year	(12,305)	(20,096)	16,096
Less: Net gains (losses) recognized during the year on securities sold during the year	(864)	(11,851)	4,221
Net gains (losses) recognized during the reporting period on securities still held at the reporting date	(11,441)	(8,245)	11,875
Reciprocal Exchanges
Gain (Loss) on Investments
Other-than-temporary impairment loss	0	0	0
Net gain (loss) on investments	(3,366)	6,123	515
National General Holdings Corp. (NGHC), Excluding Reciprocals
Gain (Loss) on Investments
Other-than-temporary impairment loss	3,000	25	22,102
Net gain (loss) on investments	(26,179)	40,640	7,389
Debt securities
Gain (Loss) on Investments
Available-for-sale Securities, Gross Realized Gains	4,590	58,405	34,577
Available-for-sale Securities, Gross Realized Losses	(22,860)	(3,754)	(10,090)
Available-for-sale Securities, Gross Realized Gains (Loss)	(18,270)	54,651	24,487
Short-term and other investments
Gain (Loss) on Investments
Short-term and other investments	(288)	261	112
Common stock
Gain (Loss) on Investments
Other-than-temporary impairment loss	0	25	14,864
Corporate bonds | Available-for-sale Securities
Gain (Loss) on Investments
Other-than-temporary impairment loss	0	0	7,238
Other investments
Gain (Loss) on Investments
Other-than-temporary impairment loss	3,000	0	0
Available-for-sale Securities
Gain (Loss) on Investments
Other-than-temporary impairment loss	$ 3,000	$ 25	$ 22,102

Investments - Credit Quality of

Investments - Credit Quality of Investments (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Debt Securities and Preferred Securities | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Amortized Cost	$ 302,970	$ 304,498
Fair Value	$ 297,083	$ 304,934
Percentage	100.00%	100.00%
Debt Securities and Preferred Securities | National General Holdings Corp. (NGHC), Excluding Reciprocals
Schedule of Available-for-sale Securities
Amortized Cost	$ 3,311,639	$ 2,837,846
Fair Value	$ 3,263,949	$ 2,837,186
Percentage	100.00%	100.00%
U.S. Treasury | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Amortized Cost	$ 12,707	$ 5,992
Fair Value	$ 12,834	$ 5,967
Percentage	4.30%	2.00%
U.S. Treasury | National General Holdings Corp. (NGHC), Excluding Reciprocals
Schedule of Available-for-sale Securities
Amortized Cost	$ 52,122	$ 30,244
Fair Value	$ 52,759	$ 31,026
Percentage	1.60%	1.10%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | Standard & Poor's, AAA Rating | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Amortized Cost	$ 18,335	$ 29,540
Fair Value	$ 18,109	$ 28,961
Percentage	6.10%	9.50%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | Standard & Poor's, AAA Rating | National General Holdings Corp. (NGHC), Excluding Reciprocals
Schedule of Available-for-sale Securities
Amortized Cost	$ 586,639	$ 255,132
Fair Value	$ 589,078	$ 259,506
Percentage	18.00%	9.10%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | Standard & Poor's, AA, AA Minus, and AA Plus Rating | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Amortized Cost	$ 142,525	$ 133,250
Fair Value	$ 140,114	$ 133,316
Percentage	47.20%	43.70%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | Standard & Poor's, AA, AA Minus, and AA Plus Rating | National General Holdings Corp. (NGHC), Excluding Reciprocals
Schedule of Available-for-sale Securities
Amortized Cost	$ 1,385,709	$ 1,399,287
Fair Value	$ 1,358,528	$ 1,382,191
Percentage	41.60%	48.70%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | Standard & Poor's, A, A Plus, and A Minus Rating | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Amortized Cost	$ 118,535	$ 135,682
Fair Value	$ 115,618	$ 136,657
Percentage	38.90%	44.80%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | Standard & Poor's, A, A Plus, and A Minus Rating | National General Holdings Corp. (NGHC), Excluding Reciprocals
Schedule of Available-for-sale Securities
Amortized Cost	$ 591,219	$ 531,185
Fair Value	$ 581,106	$ 534,298
Percentage	17.80%	18.80%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | Standard & Poor's, BBB, BBB Plus, BBB Minus Rating | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Amortized Cost	$ 10,834	$ 0
Fair Value	$ 10,374	$ 0
Percentage	3.50%	0.00%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | Standard & Poor's, BBB, BBB Plus, BBB Minus Rating | National General Holdings Corp. (NGHC), Excluding Reciprocals
Schedule of Available-for-sale Securities
Amortized Cost	$ 653,645	$ 574,456
Fair Value	$ 641,554	$ 581,406
Percentage	19.70%	20.50%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | Standard & Poor's, BB Plus And Lower Rating | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Amortized Cost	$ 34	$ 34
Fair Value	$ 34	$ 33
Percentage	0.00%	0.00%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | Standard & Poor's, BB Plus And Lower Rating | National General Holdings Corp. (NGHC), Excluding Reciprocals
Schedule of Available-for-sale Securities
Amortized Cost	$ 42,305	$ 47,542
Fair Value	$ 40,924	$ 48,759
Percentage	1.30%	1.80%

Investments - Investment Qualit

Investments - Investment Quality Summary (Details) - Corporate Debt Securities - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Schedule of Available-for-sale Securities
Fair Value	$ 1,260,705	$ 1,060,898
Percentage Of Corporate Bonds Portfolio	100.00%	100.00%
Reciprocal Exchanges
Schedule of Available-for-sale Securities
Fair Value	$ 181,606	$ 221,283
Percentage Of Corporate Bonds Portfolio	14.40%	20.90%
National General Holdings Corp. (NGHC), Excluding Reciprocals
Schedule of Available-for-sale Securities
Fair Value	$ 1,079,099	$ 839,615
Percentage Of Corporate Bonds Portfolio	85.60%	79.10%
Standard & Poor's, AAA Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	0.40%	3.60%
Standard & Poor's, AAA Rating | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	0.40%	0.70%
Standard & Poor's, AAA Rating | National General Holdings Corp. (NGHC), Excluding Reciprocals
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	0.00%	2.90%
Standard & Poor's, AA, AA Minus, and AA Plus Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	10.40%	10.80%
Standard & Poor's, AA, AA Minus, and AA Plus Rating | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	4.10%	7.40%
Standard & Poor's, AA, AA Minus, and AA Plus Rating | National General Holdings Corp. (NGHC), Excluding Reciprocals
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	6.30%	3.40%
Standard & Poor's, A, A Plus, and A Minus Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	46.40%	49.90%
Standard & Poor's, A, A Plus, and A Minus Rating | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	9.10%	12.80%
Standard & Poor's, A, A Plus, and A Minus Rating | National General Holdings Corp. (NGHC), Excluding Reciprocals
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	37.30%	37.10%
Standard & Poor's, BBB, BBB Plus, BBB Minus Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	41.30%	35.20%
Standard & Poor's, BBB, BBB Plus, BBB Minus Rating | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	0.70%	0.00%
Standard & Poor's, BBB, BBB Plus, BBB Minus Rating | National General Holdings Corp. (NGHC), Excluding Reciprocals
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	40.60%	35.20%
Standard & Poor's, BB Plus And Lower Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	1.50%	0.50%
Standard & Poor's, BB Plus And Lower Rating | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	0.10%	0.00%
Standard & Poor's, BB Plus And Lower Rating | National General Holdings Corp. (NGHC), Excluding Reciprocals
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	1.40%	0.50%
Financial Institutions
Schedule of Available-for-sale Securities
Fair Value	$ 535,373	$ 575,746
Percentage Of Corporate Bonds Portfolio	42.50%	54.30%
Financial Institutions | Standard & Poor's, AAA Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	0.00%	2.90%
Financial Institutions | Standard & Poor's, AA, AA Minus, and AA Plus Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	4.30%	7.80%
Financial Institutions | Standard & Poor's, A, A Plus, and A Minus Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	23.10%	31.70%
Financial Institutions | Standard & Poor's, BBB, BBB Plus, BBB Minus Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	14.20%	11.90%
Financial Institutions | Standard & Poor's, BB Plus And Lower Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	0.90%	0.00%
Industrials
Schedule of Available-for-sale Securities
Fair Value	$ 697,324	$ 454,764
Percentage Of Corporate Bonds Portfolio	55.30%	42.90%
Industrials | Standard & Poor's, AAA Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	0.40%	0.70%
Industrials | Standard & Poor's, AA, AA Minus, and AA Plus Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	6.10%	3.00%
Industrials | Standard & Poor's, A, A Plus, and A Minus Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	21.50%	16.90%
Industrials | Standard & Poor's, BBB, BBB Plus, BBB Minus Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	26.70%	21.80%
Industrials | Standard & Poor's, BB Plus And Lower Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	0.60%	0.50%
Utilities And Other
Schedule of Available-for-sale Securities
Fair Value	$ 28,008	$ 30,388
Percentage Of Corporate Bonds Portfolio	2.20%	2.80%
Utilities And Other | Standard & Poor's, AAA Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	0.00%	0.00%
Utilities And Other | Standard & Poor's, AA, AA Minus, and AA Plus Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	0.00%	0.00%
Utilities And Other | Standard & Poor's, A, A Plus, and A Minus Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	1.80%	1.30%
Utilities And Other | Standard & Poor's, BBB, BBB Plus, BBB Minus Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	0.40%	1.50%
Utilities And Other | Standard & Poor's, BB Plus And Lower Rating
Schedule of Available-for-sale Securities
Investments, Credit Quality, Percentage Of Portfolio	0.00%	0.00%

Investments - Cash and Cash Equ

Investments - Cash and Cash Equivalents, Restricted Cash and Restricted Investments (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Cash and cash equivalents	$ 193,858	$ 292,282
Restricted cash and cash equivalents	39,725	65,202
Total cash, cash equivalents and restricted cash	233,583	357,484	$ 285,900	$ 282,277
Securities on deposit with state regulatory authorities	73,119	76,996
Restricted investments to trusts in certain reinsurance transactions	70,470	110,314
Total restricted investments	$ 143,589	$ 187,310

Investments Investments - Short

Investments Investments - Short-term and Other Investments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Investment
Other investments	$ 306,276	$ 421,292
Other-than-temporary impairment loss	0	25	$ 22,102
Equity Method Investments
Investment
Other investments	142,921	256,321
Notes Receivable
Investment
Other investments	128,893	126,173
Long-term Certificates of Deposit (CDs), at cost
Investment
Other investments	20,252	20,339
Investments, at fair value
Investment
Other investments	6,542	10,791
Investments, at cost or amortized cost
Investment
Other investments	7,668	7,668
Other investments
Investment
Other-than-temporary impairment loss	3,000	0	$ 0
Related Party
Investment
Other investments	233,723	347,548
Related Party | Equity Method Investments
Investment
Other investments	106,031	221,375
Related Party | Notes Receivable
Investment
Other investments	$ 127,692	$ 126,173

Investments Investments - LSC E

Investments Investments - LSC Entities (Details)	Dec. 28, 2017USD ($)	Dec. 31, 2018USD ($)contract	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)
LSC Entities
Schedule of Equity Method Investments
Life settlement contracts, investment method, number of contracts | contract		1
Equity Method Investment
Equity investment in unconsolidated subsidiaries, beginning balance		$ 68,085
Equity investment in unconsolidated subsidiaries, ending balance		$ 86,141,000	$ 68,085
VIE, Not primary beneficiary | LSC Entities investment in LP
Schedule of Equity Method Investments
Equity method investment, ownership percentage		30.00%
Number of life settlement contracts sold to unaffiliated third party	136
Life settlement contracts sale price to unaffiliated third party	$ 217,831,000
Life Settlement Contracts, Contingent Consideration		$ 39,724,000
VIE, Not primary beneficiary | LSC Entities
Schedule of Equity Method Investments
Equity method investment, ownership percentage		50.00%
Equity Method Investment
Equity investment in unconsolidated subsidiaries, beginning balance		$ 160,683,000	185,992,000	$ 153,661,000
Distributions		(118,635,000)	(45,127,000)	0
Contributions		2,000,000	21,040,000	11,500,000
Equity in earnings of consolidated and unconsolidated subsidiaries		4,276,000	(1,222,000)	20,831,000
Increase (Decrease) in Equity Method Investments		(112,359,000)	(25,309,000)	32,331,000
Equity investment in unconsolidated subsidiaries, ending balance		$ 48,324,000	$ 160,683,000	$ 185,992,000
AmTrust Financial Services, Inc. | LSC Entities
Schedule of Equity Method Investments
Equity method investment, ownership percentage		50.00%

Investments Investments - Relat

Investments Investments - Related Parties - 800 Superior, LLC (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Schedule of Equity Method Investments
Rent expense	$ 35,723	$ 35,435	$ 24,772
800 Superior, LLC | Related Party
Schedule of Equity Method Investments
Rent expense	$ 2,889	2,812	2,733
800 Superior, LLC | Related Party
Schedule of Equity Method Investments
Equity method investment, ownership percentage	50.00%
Equity Method Investments	$ 816	1,405
Earnings (losses) of equity method investments (related parties)	$ (589)	$ (74)	$ (241)
800 Superior, LLC | AmTrust Financial Services, Inc.
Schedule of Equity Method Investments
Equity method investment, ownership percentage	50.00%

Investments Investments - Rel_2

Investments Investments - Related Parties - East Ninth & Superior, LLC (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
East Ninth & Superior, LLC | Related Party
Schedule of Equity Method Investments
Equity method investment, ownership percentage	50.00%
Equity Method Investments	$ 4,309	$ 4,251
Earnings (losses) of equity method investments (related parties)	$ 58	$ 62	$ 50
Eight Hundred Superior NMTC investment Fund II | Related Party
Schedule of Equity Method Investments
Equity method investment, ownership percentage	24.50%
AmTrust Financial Services, Inc. | East Ninth & Superior, LLC
Schedule of Equity Method Investments
Equity method investment, ownership percentage	50.00%
AmTrust Financial Services, Inc. | Eight Hundred Superior NMTC investment Fund II
Schedule of Equity Method Investments
Equity method investment, ownership percentage	24.50%

Investments Investments - Rel_3

Investments Investments - Related Parties - North Dearborn Building Company, L.P. (Details) - North Dearborn Building Company, L.P. - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Related Party
Schedule of Equity Method Investments
Equity method investment, ownership percentage	45.00%
Equity Method Investments	$ 6,214	$ 7,582
Earnings (losses) of equity method investments (related parties)	(243)	(812)	$ (1,168)
Distributions	$ (1,125)
Contributions		$ 0	$ 1,800
AmTrust Financial Services, Inc.
Schedule of Equity Method Investments
Limited Partnership, Percentage Participation	45.00%
NA Advisors GP LLC
Schedule of Equity Method Investments
Limited Partnership, Percentage Participation	10.00%
Limited Partnership, Percentage of Profit Interest	10.00%

Investments Investments - Rel_4

Investments Investments - Related Parties - 4455 LBJ Freeway, LLC (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Schedule of Equity Method Investments
Rent expense	$ 35,723	$ 35,435	$ 24,772
4455 LBJ Freeway, LLC | AmTrust Financial Services, Inc.
Schedule of Equity Method Investments
Limited Partnership, Percentage Participation	50.00%
4455 LBJ Freeway, LLC | Related Party
Schedule of Equity Method Investments
Equity method investment, ownership percentage	50.00%
Equity Method Investments	$ 793	740
Earnings (losses) of equity method investments (related parties)	53	(160)	499
Distributions	0	0	$ (10,158)
4455 LBJ Freeway, LLC | Related Party | 4455 LBJ Freeway, LLC
Schedule of Equity Method Investments
Rent expense	$ 2,225	$ 2,303

Investments Investments - Rel_5

Investments Investments - Related Parties - Illinois Center Building, L.P. (Details) - Illinois Center Building, L.P. - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Related Party
Schedule of Equity Method Investments
Equity method investment, ownership percentage	37.50%
Equity Method Investments	$ 45,575	$ 46,715
Earnings (losses) of equity method investments (related parties)	(3,390)	(6,645)	$ (4,047)
Contributions	2,250	5,625	3,750
Distributions	$ 0	$ 0	$ 1,875
ACP Re Group, Inc.
Schedule of Equity Method Investments
Limited Partnership, Percentage Participation	37.50%
ACP Re
Schedule of Equity Method Investments
Limited Partnership, Percentage Participation	15.00%
NA Advisors GP LLC
Schedule of Equity Method Investments
Limited Partnership, Percentage Participation	10.00%
Limited Partnership, Percentage of Profit Interest	10.00%

Fair Value of Financial Instr_3

Fair Value of Financial Instruments - Assets and Liabilities Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	$ 3,561,032	$ 3,139,889
Equity securities, at fair value	10,949	50,341
Short-term investments	348,549	38,266
Other investments	306,276	421,292
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	3,561,032	3,139,889
Equity securities, at fair value	10,949	50,341
Total	3,927,072	3,239,287
Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	103,068	57,682
Equity securities, at fair value	9,898	43,067
Total	461,515	139,015
Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	3,442,601	3,053,581
Equity securities, at fair value	0	1,952
Total	3,442,601	3,055,542
Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	15,363	28,626
Equity securities, at fair value	1,051	5,322
Total	22,956	44,730
Reciprocal Exchanges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	297,083	304,934
Equity securities, at fair value	0	0
Short-term investments	17,328	22,279
Reciprocal Exchanges | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Total	314,411	327,213
Reciprocal Exchanges | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Total	32,013	28,246
Reciprocal Exchanges | Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Total	282,398	298,967
Reciprocal Exchanges | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Total	0	0
National General Holdings Corp. (NGHC), Excluding Reciprocals
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	3,263,949	2,834,955
Equity securities, at fair value	10,949	50,341
National General Holdings Corp. (NGHC), Excluding Reciprocals | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Total	3,612,661	2,912,074
National General Holdings Corp. (NGHC), Excluding Reciprocals | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Total	429,502	110,769
National General Holdings Corp. (NGHC), Excluding Reciprocals | Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Total	3,160,203	2,756,575
National General Holdings Corp. (NGHC), Excluding Reciprocals | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Total	22,956	44,730
U.S. Treasury
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	65,593	36,993
U.S. Treasury | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	65,593	36,993
U.S. Treasury | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	65,593	36,993
U.S. Treasury | Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	0	0
U.S. Treasury | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	0	0
Federal agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	37,475	20,689
Federal agencies | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	37,475	20,689
Federal agencies | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	37,475	20,689
Federal agencies | Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	0	0
Federal agencies | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	0	0
States and political subdivision bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	272,197	419,081
States and political subdivision bonds | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	272,197	419,081
States and political subdivision bonds | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	0	0
States and political subdivision bonds | Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	268,601	415,000
States and political subdivision bonds | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	3,596	4,081
Foreign government
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	152,366	58,254
Foreign government | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	152,366	58,254
Foreign government | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	0	0
Foreign government | Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	152,366	58,254
Foreign government | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	0	0
Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	1,260,705	1,060,889
Corporate bonds | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	1,260,705	1,060,889
Corporate bonds | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	0	0
Corporate bonds | Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	1,248,938	1,036,344
Corporate bonds | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	11,767	24,545
Residential mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	925,116	1,004,739
Residential mortgage-backed securities | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	925,116	1,004,739
Residential mortgage-backed securities | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	0	0
Residential mortgage-backed securities | Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	925,116	1,004,739
Residential mortgage-backed securities | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	0	0
Commercial mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	544,975	144,043
Commercial mortgage-backed securities | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	544,975	144,043
Commercial mortgage-backed securities | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	0	0
Commercial mortgage-backed securities | Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	544,975	144,043
Commercial mortgage-backed securities | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	0	0
Asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	61,147	414
Asset-backed securities | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	61,147	414
Asset-backed securities | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	0	0
Asset-backed securities | Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	61,147	414
Asset-backed securities | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	0	0
Structured securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	241,458	394,787
Structured securities | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	241,458	394,787
Structured securities | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	0	0
Structured securities | Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	241,458	394,787
Structured securities | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value	0	0
Common stock
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Equity securities, at fair value	10,949	48,119
Common stock | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Equity securities, at fair value	10,949	48,119
Common stock | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Equity securities, at fair value	9,898	43,067
Common stock | Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Equity securities, at fair value	0	0
Common stock | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Equity securities, at fair value	1,051	5,052
Preferred stock
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Equity securities, at fair value	0	2,222
Preferred stock | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Equity securities, at fair value		2,222
Preferred stock | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Equity securities, at fair value		0
Preferred stock | Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Equity securities, at fair value		1,952
Preferred stock | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Equity securities, at fair value		270
Short-term Investments | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Short-term investments	348,549	38,266
Short-term Investments | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Short-term investments	348,549	38,266
Short-term Investments | Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Short-term investments	0	0
Short-term Investments | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Short-term investments	0	0
Other investments | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Other investments	6,542	10,791
Other investments | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Other investments	0	0
Other investments | Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Other investments	0	9
Other investments | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Other investments	$ 6,542	$ 10,782

Fair Value of Financial Instr_4

Fair Value of Financial Instruments - Changes in Fair Value of Level 3 Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Assets:
Balance, beginning of period	$ 44,730	$ 79,737
Transfers into Level 3	0	276
Transfers out of Level 3	0	(23,024)
Total gains (losses) for the period included in net income	(3,214)	84
Total gains (losses) for the period included in other comprehensive income	(13,263)	1,991
Purchases	0	8,105
Sales	(5,297)	(22,439)
Balance, end of period	22,956	44,730
Change in unrealized gains (losses) for the period included in net income for assets held at the end of the reporting period	(3,665)	84
Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period	(13,263)
States and political subdivision bonds
Assets:
Balance, beginning of period	4,081	4,732
Transfers into Level 3	0	0
Transfers out of Level 3	0	(2)
Total gains (losses) for the period included in net income	0	0
Total gains (losses) for the period included in other comprehensive income	(485)	(649)
Purchases	0	0
Sales	0	0
Balance, end of period	3,596	4,081
Change in unrealized gains (losses) for the period included in net income for assets held at the end of the reporting period	0	0
Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period	(485)
Foreign government
Assets:
Balance, beginning of period	0	1,910
Transfers into Level 3		0
Transfers out of Level 3		(1,910)
Total gains (losses) for the period included in net income		0
Total gains (losses) for the period included in other comprehensive income		0
Purchases		0
Sales		0
Balance, end of period		0
Change in unrealized gains (losses) for the period included in net income for assets held at the end of the reporting period		0
Corporate bonds
Assets:
Balance, beginning of period	24,545	36,044
Transfers into Level 3	0	0
Transfers out of Level 3	0	(1,787)
Total gains (losses) for the period included in net income	0	0
Total gains (losses) for the period included in other comprehensive income	(12,778)	13
Purchases	0	0
Sales	0	(9,725)
Balance, end of period	11,767	24,545
Change in unrealized gains (losses) for the period included in net income for assets held at the end of the reporting period	0	0
Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period	(12,778)
Residential mortgage-backed securities
Assets:
Balance, beginning of period	0	7,423
Transfers into Level 3		0
Transfers out of Level 3		(7,422)
Total gains (losses) for the period included in net income		0
Total gains (losses) for the period included in other comprehensive income		0
Purchases		0
Sales		(1)
Balance, end of period		0
Change in unrealized gains (losses) for the period included in net income for assets held at the end of the reporting period		0
Commercial mortgage-backed securities
Assets:
Balance, beginning of period	0	4,849
Transfers into Level 3		0
Transfers out of Level 3		(4,849)
Total gains (losses) for the period included in net income		0
Total gains (losses) for the period included in other comprehensive income		0
Purchases		0
Sales		0
Balance, end of period		0
Change in unrealized gains (losses) for the period included in net income for assets held at the end of the reporting period		0
Structured securities
Assets:
Balance, beginning of period	0	9,055
Transfers into Level 3		0
Transfers out of Level 3		(7,054)
Total gains (losses) for the period included in net income		0
Total gains (losses) for the period included in other comprehensive income		0
Purchases		0
Sales		(2,001)
Balance, end of period		0
Change in unrealized gains (losses) for the period included in net income for assets held at the end of the reporting period		0
Common stock
Assets:
Balance, beginning of period	5,052	6,297
Transfers into Level 3	0	1
Transfers out of Level 3	0	0
Total gains (losses) for the period included in net income	(4,001)	0
Total gains (losses) for the period included in other comprehensive income	0	2,632
Purchases	0	4,119
Sales	0	(7,997)
Balance, end of period	1,051	5,052
Change in unrealized gains (losses) for the period included in net income for assets held at the end of the reporting period	(4,001)	0
Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period	0
Preferred stock
Assets:
Balance, beginning of period	270	0
Transfers into Level 3	0	275
Transfers out of Level 3	0	0
Total gains (losses) for the period included in net income	(270)	0
Total gains (losses) for the period included in other comprehensive income	0	(5)
Purchases	0	0
Sales	0	0
Balance, end of period	0	270
Change in unrealized gains (losses) for the period included in net income for assets held at the end of the reporting period	(270)	0
Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period	0
Other investments
Assets:
Balance, beginning of period	10,782	9,427
Transfers into Level 3	0	0
Transfers out of Level 3	0	0
Total gains (losses) for the period included in net income	1,057	84
Total gains (losses) for the period included in other comprehensive income	0	0
Purchases	0	3,986
Sales	(5,297)	(2,715)
Balance, end of period	6,542	10,782
Change in unrealized gains (losses) for the period included in net income for assets held at the end of the reporting period	606	$ 84
Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period	$ 0

Fair Value of Financial Instr_5

Fair Value of Financial Instruments Fair Value of Financial Instruments - Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Balance Sheet Grouping, Financial Statement Captions
Debt	$ 675,449	$ 713,710
Fair value	$ 679,487	744,272
6.75% Notes | Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions
Interest rate on debt	6.75%
Debt	$ 346,439	345,786
Fair value	$ 353,756	366,131
7.625% Notes | Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions
Interest rate on debt	7.625%
Debt	$ 96,842	96,756
Fair value	90,400	101,640
Subordinated Debentures | Surplus Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions
Debt	72,168	72,168
Fair value	72,109	72,101
Imperial Surplus Notes | Surplus Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions
Debt	0	5,000
Fair value	0	4,984
SPCIC Surplus Notes | Surplus Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions
Debt	0	4,000
Fair value	0	3,996
Credit Agreement | Line of Credit
Fair Value, Balance Sheet Grouping, Financial Statement Captions
Debt	160,000	190,000
Fair value	$ 163,222	$ 195,420

Premiums and Other Receivable_3

Premiums and Other Receivables, Net (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Schedule of Premiums Receivable and Other Receivables
Premiums receivable	$ 1,284,122	$ 1,188,170
Commission receivables	66,111	75,777
Investment receivables	386	29,971
Other receivables	69,401	48,949
Allowance for uncollectible amounts	(20,208)	(18,546)
Total premiums and other receivables, net	1,399,812	1,324,321
Reciprocal Exchanges
Schedule of Premiums Receivable and Other Receivables
Total premiums and other receivables, net	61,327	56,792
National General Holdings Corp. (NGHC), Excluding Reciprocals
Schedule of Premiums Receivable and Other Receivables
Total premiums and other receivables, net	$ 1,338,485	$ 1,267,529

Deferred Acquisition Costs (Det

Deferred Acquisition Costs (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Movement Analysis of Deferred Policy Acquisition Costs
Beginning of the year	$ 216,389	$ 220,922	$ 160,531
Additions	545,812	505,356	495,195
Deductions1	0	0	(23,803)
Amortization	(510,793)	(509,889)	(411,001)
Change in DAC	35,019	(4,533)	60,391
End of the year	251,408	216,389	220,922
Reciprocal Exchanges
Movement Analysis of Deferred Policy Acquisition Costs
Beginning of the year	20,837	31,043
End of the year	20,007	20,837	31,043
National General Holdings Corp. (NGHC), Excluding Reciprocals
Movement Analysis of Deferred Policy Acquisition Costs
Beginning of the year	195,552	189,879
End of the year	231,401	195,552	189,879
Property and Casualty
Movement Analysis of Deferred Policy Acquisition Costs
Beginning of the year	198,283	207,597	153,767
Additions	522,914	478,426	443,435
Deductions1	0	0	(23,803)
Amortization	(495,009)	(487,740)	(365,802)
Change in DAC	27,905	(9,314)	53,830
End of the year	226,188	198,283	207,597
Property and Casualty | Reciprocal Exchanges
Movement Analysis of Deferred Policy Acquisition Costs
Beginning of the year	20,837	31,043
End of the year	20,007	20,837	31,043
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals
Movement Analysis of Deferred Policy Acquisition Costs
Beginning of the year	177,446	176,554
End of the year	206,181	177,446	176,554
Accident and Health
Movement Analysis of Deferred Policy Acquisition Costs
Beginning of the year	18,106	13,325	6,764
Additions	22,898	26,930	51,760
Deductions1	0	0	0
Amortization	(15,784)	(22,149)	(45,199)
Change in DAC	7,114	4,781	6,561
End of the year	25,220	18,106	13,325
Accident and Health | Reciprocal Exchanges
Movement Analysis of Deferred Policy Acquisition Costs
Beginning of the year	0	0
End of the year	0	0	0
Accident and Health | National General Holdings Corp. (NGHC), Excluding Reciprocals
Movement Analysis of Deferred Policy Acquisition Costs
Beginning of the year	18,106	13,325
End of the year	$ 25,220	$ 18,106	$ 13,325

Premises and Equipment, Net (De

Premises and Equipment, Net (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Property, Plant and Equipment
Cost	$ 486,864	$ 449,857
Accumulated Depreciation	(178,860)	(125,808)
Net Value	308,004	324,049
Capital leased assets, gross	55,719	49,569
Capital leased assets, accumulated depreciation	1,157	884
Depreciation and amortization expense	55,928	39,323	$ 19,485
Reciprocal Exchanges
Property, Plant and Equipment
Cost	9,060	9,059
Accumulated Depreciation	(7,365)	(4,790)
Net Value	1,695	4,269
National General Holdings Corp. (NGHC), Excluding Reciprocals
Property, Plant and Equipment
Cost	477,804	440,798
Accumulated Depreciation	(171,495)	(121,018)
Net Value	306,309	319,780
Land
Property, Plant and Equipment
Cost	6,073	3,380
Accumulated Depreciation	0	0
Net Value	6,073	3,380
Buildings
Property, Plant and Equipment
Cost	31,489	24,586
Accumulated Depreciation	(2,554)	(1,634)
Net Value	28,935	22,952
Leasehold improvements
Property, Plant and Equipment
Cost	35,469	26,300
Accumulated Depreciation	(9,152)	(5,061)
Net Value	26,317	21,239
Other equipment
Property, Plant and Equipment
Cost	28,774	22,510
Accumulated Depreciation	(5,670)	(3,986)
Net Value	23,104	18,524
Hardware and software
Property, Plant and Equipment
Cost	385,059	373,081
Accumulated Depreciation	(161,484)	(115,127)
Net Value	$ 223,575	$ 257,954

Goodwill and Intangible Asset_3

Goodwill and Intangible Assets, Net - Rollforward (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Goodwill
Goodwill	$ 228,005	$ 221,975	$ 201,302
Accumulated impairment loss	(47,822)	(47,822)	(42,938)
Goodwill, beginning balance	174,153	158,364
Goodwill, acquired during period	6,030	20,673
Goodwill impairment		(4,884)
Goodwill, ending balance	180,183	174,153
Property and Casualty
Goodwill
Goodwill	136,093	136,093	124,190
Accumulated impairment loss	(35,205)	(35,205)	(30,321)
Goodwill, beginning balance	100,888	93,869
Goodwill, acquired during period	0	11,903
Goodwill impairment		(4,884)
Goodwill, ending balance	100,888	100,888
Accident and Health
Goodwill
Goodwill	91,912	85,882	77,112
Accumulated impairment loss	(12,617)	(12,617)	$ (12,617)
Goodwill, beginning balance	73,265	64,495
Goodwill, acquired during period	6,030	8,770
Goodwill impairment		0
Goodwill, ending balance	$ 79,295	$ 73,265

Goodwill and Intangible Asset_4

Goodwill and Intangible Assets, Net - Composition of Goodwill and Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Indefinite-lived Intangible Assets
Goodwill	$ 180,183	$ 174,153	$ 158,364
Finite-Lived Intangible Assets
Accumulated Amortization	(124,063)	(92,237)
Finite-Lived Intangible Assets, Net, Total	145,512
Goodwill and intangible assets, gross	684,183	670,460
Goodwill and Intangible assets, net	560,120	578,223
Reciprocal Exchanges
Finite-Lived Intangible Assets
Accumulated Amortization	(495)	(315)
Finite-Lived Intangible Assets, Net, Total	405
Goodwill and intangible assets, gross	3,900	4,000
Goodwill and Intangible assets, net	3,405	3,685
National General Holdings Corp. (NGHC), Excluding Reciprocals
Finite-Lived Intangible Assets
Accumulated Amortization	(123,568)	(91,922)
Finite-Lived Intangible Assets, Net, Total	145,107
Goodwill and intangible assets, gross	680,283	666,460
Goodwill and Intangible assets, net	556,715	574,538
Management contracts
Indefinite-lived Intangible Assets
Indefinite-lived intangible assets (excluding Goodwill)	118,600	118,600
State licenses
Indefinite-lived Intangible Assets
Indefinite-lived intangible assets (excluding Goodwill)	85,825	86,232
Trademarks
Indefinite-lived Intangible Assets
Indefinite-lived intangible assets (excluding Goodwill)	30,000	30,000
Agent/Customer relationships
Finite-Lived Intangible Assets
Gross Balance	184,617	178,151
Accumulated Amortization	(72,876)	(54,536)
Finite-Lived Intangible Assets, Net, Total	$ 111,741	$ 123,615
Agent/Customer relationships | Minimum
Finite-Lived Intangible Assets
Useful Life	2 years	2 years
Agent/Customer relationships | Maximum
Finite-Lived Intangible Assets
Useful Life	16 years	16 years
Renewal rights
Finite-Lived Intangible Assets
Gross Balance	$ 51,057	$ 51,377
Accumulated Amortization	(36,342)	(27,005)
Finite-Lived Intangible Assets, Net, Total	$ 14,715	$ 24,372
Renewal rights | Minimum
Finite-Lived Intangible Assets
Useful Life	3 years	3 years
Renewal rights | Maximum
Finite-Lived Intangible Assets
Useful Life	7 years	7 years
Proprietary technology
Finite-Lived Intangible Assets
Gross Balance	$ 14,346	$ 14,007
Accumulated Amortization	(5,455)	(3,663)
Finite-Lived Intangible Assets, Net, Total	$ 8,891	$ 10,344
Proprietary technology | Minimum
Finite-Lived Intangible Assets
Useful Life	4 years	3 years
Proprietary technology | Maximum
Finite-Lived Intangible Assets
Useful Life	15 years	10 years
Leases
Finite-Lived Intangible Assets
Gross Balance	$ 5,523	$ 5,523
Accumulated Amortization	(1,091)	(668)
Finite-Lived Intangible Assets, Net, Total	$ 4,432	$ 4,855
Useful Life	13 years	13 years
Trademarks
Finite-Lived Intangible Assets
Gross Balance	$ 5,450	$ 3,835
Accumulated Amortization	(1,529)	(864)
Finite-Lived Intangible Assets, Net, Total	$ 3,921	$ 2,971
Trademarks | Minimum
Finite-Lived Intangible Assets
Useful Life	5 years	5 years
Trademarks | Maximum
Finite-Lived Intangible Assets
Useful Life	15 years	11 years
Loss reserve discount
Finite-Lived Intangible Assets
Gross Balance	$ 6,942	$ 6,942
Accumulated Amortization	(5,964)	(4,840)
Finite-Lived Intangible Assets, Net, Total	$ 978	$ 2,102
Loss reserve discount | Minimum
Finite-Lived Intangible Assets
Useful Life	6 years	6 years
Loss reserve discount | Maximum
Finite-Lived Intangible Assets
Useful Life	9 years	9 years
Non-compete agreements
Finite-Lived Intangible Assets
Gross Balance	$ 840	$ 840
Accumulated Amortization	(157)	(82)
Finite-Lived Intangible Assets, Net, Total	$ 683	$ 758
Non-compete agreements | Minimum
Finite-Lived Intangible Assets
Useful Life	4 years	4 years
Non-compete agreements | Maximum
Finite-Lived Intangible Assets
Useful Life	15 years	15 years
Affinity partners
Finite-Lived Intangible Assets
Gross Balance	$ 800	$ 800
Accumulated Amortization	(649)	(579)
Finite-Lived Intangible Assets, Net, Total	$ 151	$ 221
Useful Life	11 years	11 years

Goodwill and Intangible Asset_5

Goodwill and Intangible Assets, Net - Amortization Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Schedule of Amortization Expense
Amortization Expense	$ (31,999)	$ (59,868)	$ (69,824)
Impairment of Intangible Assets	275	131	5,038
Amortization of Intangible Assets	31,367	58,611	68,925
Other Intangible Assets
Schedule of Amortization Expense
Amortization Expense	(31,724)	(59,737)	(64,786)
Loss reserve discount
Schedule of Amortization Expense
Amortization Expense	(632)	(1,257)	(899)
Reciprocal Exchanges
Schedule of Amortization Expense
Amortization of Intangible Assets	44	6,882	20,795
National General Holdings Corp. (NGHC), Excluding Reciprocals
Schedule of Amortization Expense
Amortization of Intangible Assets	$ 31,323	$ 51,729	$ 48,130

Goodwill and Intangible Asset_6

Goodwill and Intangible Assets, Net - Future Amortization Expense (Details) $ in Thousands	Dec. 31, 2018USD ($)
Entity Information
2,019	$ 27,116
2,020	20,189
2,021	16,968
2,022	14,099
2,023	11,805
Thereafter	55,335
Finite-Lived Intangible Assets, Net, Total	145,512
Reciprocal Exchanges
Entity Information
2,019	180
2,020	180
2,021	45
2,022	0
2,023	0
Thereafter	0
Finite-Lived Intangible Assets, Net, Total	405
National General Holdings Corp. (NGHC), Excluding Reciprocals
Entity Information
2,019	26,936
2,020	20,009
2,021	16,923
2,022	14,099
2,023	11,805
Thereafter	55,335
Finite-Lived Intangible Assets, Net, Total	$ 145,107

Unpaid Losses and Loss Adjust_3

Unpaid Losses and Loss Adjustment Expense Reserves - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Liability for Claims and Claims Adjustment Expense
Increase in gross unpaid losses and loss adjustment expense reserves	$ 293,602	$ 389,691
Prior year	(34,034)	7,349	$ 13,538
National General Holdings Corp. (NGHC), Excluding Reciprocals
Liability for Claims and Claims Adjustment Expense
Prior year	(35,737)	6,447	14,435
Property and Casualty
Liability for Claims and Claims Adjustment Expense
Prior year	(3,057)	16,175	4,228
Property and Casualty | Reciprocal Exchanges
Liability for Claims and Claims Adjustment Expense
Prior year	1,703	902	(897)
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals
Liability for Claims and Claims Adjustment Expense
Prior year	(4,760)	15,273	5,125
Accident and Health | National General Holdings Corp. (NGHC), Excluding Reciprocals
Liability for Claims and Claims Adjustment Expense
Prior year	$ (30,977)	$ (8,826)	$ 9,310

Unpaid Losses and Loss Adjust_4

Unpaid Losses and Loss Adjustment Expense Reserves - Activity of Loss Reserves (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Liability for Claims and Claims Adjustment Expense
Net balance at beginning of the year	$ 1,533,814	$ 1,393,069	$ 929,399
Incurred losses and LAE related to:
Current year	2,696,260	2,618,733	2,078,742
Prior year	(34,034)	7,349	13,538
Total incurred	2,662,226	2,626,082	2,092,280
Paid losses and LAE related to:
Current year	(1,634,426)	(1,612,051)	(1,297,644)
Prior year	(880,811)	(879,830)	(629,153)
Total paid	(2,515,237)	(2,491,881)	(1,926,797)
Acquired outstanding loss and loss adjustment reserve			302,478
Effect of foreign exchange rates	(8,786)	6,544	(4,291)
Net balance at end of the year	1,672,017	1,533,814	1,393,069
Reinsurance recoverable	(1,285,142)	(1,129,743)	(880,797)	$ (833,176)
Gross balance at end of year	2,957,159	2,663,557	2,273,866
Reciprocal Exchanges
Paid losses and LAE related to:
Reinsurance recoverable	(77,979)	(52,408)
Gross balance at end of year	178,470	143,353
National General Holdings Corp. (NGHC), Excluding Reciprocals
Liability for Claims and Claims Adjustment Expense
Net balance at beginning of the year	1,442,869	1,298,186	836,092
Incurred losses and LAE related to:
Current year	2,535,245	2,499,795	2,008,629
Prior year	(35,737)	6,447	14,435
Total incurred	2,499,508	2,506,242	2,023,064
Paid losses and LAE related to:
Current year	(1,524,373)	(1,530,680)	(1,252,037)
Prior year	(837,692)	(837,423)	(606,736)
Total paid	(2,362,065)	(2,368,103)	(1,858,773)
Acquired outstanding loss and loss adjustment reserve			302,094
Effect of foreign exchange rates	(8,786)	6,544	(4,291)
Net balance at end of the year	1,571,526	1,442,869	1,298,186
Reinsurance recoverable	(1,207,163)	(1,077,335)	(838,605)	(794,091)
Gross balance at end of year	2,778,689	2,520,204	2,136,791
Property and Casualty
Incurred losses and LAE related to:
Prior year	(3,057)	16,175	4,228
Property and Casualty | Reciprocal Exchanges
Liability for Claims and Claims Adjustment Expense
Net balance at beginning of the year	90,945	94,883	93,307
Incurred losses and LAE related to:
Current year	161,015	118,938	70,113
Prior year	1,703	902	(897)
Total incurred	162,718	119,840	69,216
Paid losses and LAE related to:
Current year	(110,053)	(81,371)	(45,607)
Prior year	(43,119)	(42,407)	(22,417)
Total paid	(153,172)	(123,778)	(68,024)
Acquired outstanding loss and loss adjustment reserve			384
Effect of foreign exchange rates	0	0	0
Net balance at end of the year	100,491	90,945	94,883
Reinsurance recoverable	(77,979)	(52,408)	(42,192)	(39,085)
Gross balance at end of year	178,470	143,353	137,075
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals
Liability for Claims and Claims Adjustment Expense
Net balance at beginning of the year	1,203,056	1,108,719	686,445
Incurred losses and LAE related to:
Current year	2,182,923	2,172,506	1,716,729
Prior year	(4,760)	15,273	5,125
Total incurred	2,178,163	2,187,779	1,721,854
Paid losses and LAE related to:
Current year	(1,336,359)	(1,364,011)	(1,070,080)
Prior year	(720,039)	(729,431)	(521,912)
Total paid	(2,056,398)	(2,093,442)	(1,591,992)
Acquired outstanding loss and loss adjustment reserve			292,412
Effect of foreign exchange rates	0	0	0
Net balance at end of the year	1,324,821	1,203,056	1,108,719
Reinsurance recoverable	(1,182,588)	(1,067,495)	(827,672)	(793,508)
Gross balance at end of year	2,507,409	2,270,551	1,936,391
Accident and Health | National General Holdings Corp. (NGHC), Excluding Reciprocals
Liability for Claims and Claims Adjustment Expense
Net balance at beginning of the year	239,813	189,467	149,647
Incurred losses and LAE related to:
Current year	352,322	327,289	291,900
Prior year	(30,977)	(8,826)	9,310
Total incurred	321,345	318,463	301,210
Paid losses and LAE related to:
Current year	(188,014)	(166,669)	(181,957)
Prior year	(117,653)	(107,992)	(84,824)
Total paid	(305,667)	(274,661)	(266,781)
Acquired outstanding loss and loss adjustment reserve			9,682
Effect of foreign exchange rates	(8,786)	6,544	(4,291)
Net balance at end of the year	246,705	239,813	189,467
Reinsurance recoverable	(24,575)	(9,840)	(10,933)	$ (583)
Gross balance at end of year	$ 271,280	$ 249,653	$ 200,400

Unpaid Losses and Loss Adjust_5

Unpaid Losses and Loss Adjustment Expense Reserves - P&C - Auto Liability - Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance (Details) number in Thousands, $ in Thousands	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 ($)
2,017
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ (26,789)
2,018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	2,352,175
Property and Casualty | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	6,782,263
Property and Casualty | 2010 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	595,215	$ 595,157	$ 595,337	$ 595,763	$ 594,348	$ 593,992	$ 592,353	$ 593,187	$ 596,995
Total of IBNR Plus Expected Development on Reported Claims	$ 61
Cumulative Number of Reported Claims	241,670
Property and Casualty | 2011 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 496,408	497,324	497,109	493,873	494,922	489,010	485,762	$ 490,230
Total of IBNR Plus Expected Development on Reported Claims	$ 50
Cumulative Number of Reported Claims	238,283
Property and Casualty | 2012 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 529,885	527,531	528,090	527,386	529,140	522,296	$ 511,797
Total of IBNR Plus Expected Development on Reported Claims	$ 66
Cumulative Number of Reported Claims	249,856
Property and Casualty | 2013 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 572,538	567,410	563,834	556,290	556,262	$ 544,833
Total of IBNR Plus Expected Development on Reported Claims	$ 767
Cumulative Number of Reported Claims	250,051
Property and Casualty | 2014 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 779,992	766,640	760,566	759,577	$ 740,531
Total of IBNR Plus Expected Development on Reported Claims	$ 6,150
Cumulative Number of Reported Claims	269,900
Property and Casualty | 2015 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 872,064	849,051	838,040	$ 820,213
Total of IBNR Plus Expected Development on Reported Claims	$ 17,352
Cumulative Number of Reported Claims	291,338
Property and Casualty | 2016 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 976,749	940,849	$ 932,350
Total of IBNR Plus Expected Development on Reported Claims	$ 51,322
Cumulative Number of Reported Claims	300,680
Property and Casualty | 2017
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ (5,899)
Property and Casualty | 2017 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	912,371	$ 929,211
Total of IBNR Plus Expected Development on Reported Claims	$ 93,880
Cumulative Number of Reported Claims	292,748
Property and Casualty | 2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 1,922,567
Property and Casualty | 2018 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	1,047,041
Total of IBNR Plus Expected Development on Reported Claims	$ 380,720
Cumulative Number of Reported Claims	283,045

Unpaid Losses and Loss Adjust_6

Unpaid Losses and Loss Adjustment Expense Reserves - P&C - Auto Liability - Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Claims Development
Net reserve for claims and allocated claim adjustment expenses	$ 1,542,862
Property and Casualty | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	5,754,903
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	2,063
Net reserve for claims and allocated claim adjustment expenses	1,029,423
Property and Casualty | 2010 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	594,696	$ 594,168	$ 592,932	$ 590,417	$ 579,237	$ 562,918	$ 534,107	$ 474,640	$ 287,058
Property and Casualty | 2011 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	495,833	494,145	489,191	482,861	468,059	442,365	385,749	$ 224,676
Property and Casualty | 2012 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	527,695	523,703	518,079	501,819	470,515	413,018	$ 242,285
Property and Casualty | 2013 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	567,949	559,064	540,497	504,569	440,751	$ 259,665
Property and Casualty | 2014 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	757,933	728,256	694,002	601,980	$ 342,710
Property and Casualty | 2015 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	820,007	761,150	679,461	$ 385,592
Property and Casualty | 2016 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	855,407	737,927	$ 400,052
Property and Casualty | 2017 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	706,152	$ 392,084
Property and Casualty | 2018 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 429,231

Unpaid Losses and Loss Adjust_7

Unpaid Losses and Loss Adjustment Expense Reserves - P&C - Auto Physical Damage - Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance (Details) number in Thousands, $ in Thousands	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 ($)
2,017
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ (26,789)
2,018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	2,352,175
Property and Casualty | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	4,083,785
Property and Casualty | 2010 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	381,138	$ 381,410	$ 381,795	$ 381,826	$ 381,818	$ 381,748	$ 381,499	$ 382,067	$ 389,966
Total of IBNR Plus Expected Development on Reported Claims	$ 10
Cumulative Number of Reported Claims	309,112
Property and Casualty | 2011 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 308,249	308,536	308,512	308,760	308,486	308,298	308,729	$ 315,273
Total of IBNR Plus Expected Development on Reported Claims	$ (20)
Cumulative Number of Reported Claims	298,029
Property and Casualty | 2012 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 295,026	295,970	296,050	296,257	295,984	298,208	$ 308,056
Total of IBNR Plus Expected Development on Reported Claims	$ 6
Cumulative Number of Reported Claims	292,483
Property and Casualty | 2013 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 328,010	328,262	328,284	328,748	329,049	$ 335,454
Total of IBNR Plus Expected Development on Reported Claims	$ 13
Cumulative Number of Reported Claims	285,737
Property and Casualty | 2014 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 486,373	486,383	486,206	487,302	$ 496,227
Total of IBNR Plus Expected Development on Reported Claims	$ 77
Cumulative Number of Reported Claims	311,580
Property and Casualty | 2015 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 544,510	544,769	544,097	$ 541,008
Total of IBNR Plus Expected Development on Reported Claims	$ (13)
Cumulative Number of Reported Claims	329,054
Property and Casualty | 2016 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 621,717	622,456	$ 626,643
Total of IBNR Plus Expected Development on Reported Claims	$ 131
Cumulative Number of Reported Claims	337,670
Property and Casualty | 2017
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ (5,899)
Property and Casualty | 2017 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	570,699	$ 600,813
Total of IBNR Plus Expected Development on Reported Claims	$ 1,988
Cumulative Number of Reported Claims	384,399
Property and Casualty | 2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 1,922,567
Property and Casualty | 2018 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	548,063
Total of IBNR Plus Expected Development on Reported Claims	$ 39,000
Cumulative Number of Reported Claims	347,326

Unpaid Losses and Loss Adjust_8

Unpaid Losses and Loss Adjustment Expense Reserves - P&C - Auto Physical Damage - Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Claims Development
Net reserve for claims and allocated claim adjustment expenses	$ 1,542,862
Property and Casualty | Property and Casualty - Auto Physical Damage
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	4,016,398
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	3
Net reserve for claims and allocated claim adjustment expenses	67,390
Property and Casualty | 2010 | Property and Casualty - Auto Physical Damage
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	381,128	$ 381,425	$ 381,789	$ 381,811	$ 381,829	$ 381,926	$ 381,955	$ 382,575	$ 351,865
Property and Casualty | 2011 | Property and Casualty - Auto Physical Damage
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	308,266	308,557	308,571	308,578	308,608	308,634	308,824	$ 283,501
Property and Casualty | 2012 | Property and Casualty - Auto Physical Damage
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	294,975	295,995	296,029	295,975	295,978	298,381	$ 268,989
Property and Casualty | 2013 | Property and Casualty - Auto Physical Damage
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	327,976	328,280	328,299	328,456	328,832	$ 291,064
Property and Casualty | 2014 | Property and Casualty - Auto Physical Damage
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	486,251	486,309	486,364	487,531	$ 430,998
Property and Casualty | 2015 | Property and Casualty - Auto Physical Damage
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	544,485	544,707	544,754	$ 478,268
Property and Casualty | 2016 | Property and Casualty - Auto Physical Damage
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	621,529	622,930	$ 542,970
Property and Casualty | 2017 | Property and Casualty - Auto Physical Damage
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	568,639	$ 533,907
Property and Casualty | 2018 | Property and Casualty - Auto Physical Damage
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 483,149

Unpaid Losses and Loss Adjust_9

Unpaid Losses and Loss Adjustment Expense Reserves - P&C - Homeowners and other - Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance (Details) number in Thousands, $ in Thousands	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 ($)
2,017
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ (26,789)
2,018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	2,352,175
Property and Casualty | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	3,370,573
Property and Casualty | 2010 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	411,290	$ 410,997	$ 411,304	$ 411,689	$ 412,187	$ 413,623	$ 413,664	$ 414,378	$ 422,123
Total of IBNR Plus Expected Development on Reported Claims	$ 10
Cumulative Number of Reported Claims	86,459
Property and Casualty | 2011 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 495,170	494,825	495,246	497,244	498,184	498,050	499,170	$ 506,352
Total of IBNR Plus Expected Development on Reported Claims	$ 19
Cumulative Number of Reported Claims	107,854
Property and Casualty | 2012 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 476,166	474,649	476,538	477,577	478,880	480,353	$ 485,454
Total of IBNR Plus Expected Development on Reported Claims	$ 36
Cumulative Number of Reported Claims	112,028
Property and Casualty | 2013 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 296,756	296,907	296,618	299,561	300,868	$ 306,761
Total of IBNR Plus Expected Development on Reported Claims	$ 100
Cumulative Number of Reported Claims	75,831
Property and Casualty | 2014 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 304,237	304,496	303,925	306,471	$ 318,488
Total of IBNR Plus Expected Development on Reported Claims	$ 474
Cumulative Number of Reported Claims	73,367
Property and Casualty | 2015 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 353,688	351,747	349,559	$ 357,023
Total of IBNR Plus Expected Development on Reported Claims	$ 6,312
Cumulative Number of Reported Claims	69,636
Property and Casualty | 2016 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 340,711	341,762	$ 350,737
Total of IBNR Plus Expected Development on Reported Claims	$ 3,690
Cumulative Number of Reported Claims	60,486
Property and Casualty | 2017
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ (5,899)
Property and Casualty | 2017 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	365,092	$ 402,798
Total of IBNR Plus Expected Development on Reported Claims	$ 14,807
Cumulative Number of Reported Claims	57,547
Property and Casualty | 2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 1,922,567
Property and Casualty | 2018 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	327,463
Total of IBNR Plus Expected Development on Reported Claims	$ 42,891
Cumulative Number of Reported Claims	54,127

Unpaid Losses and Loss Adjus_10

Unpaid Losses and Loss Adjustment Expense Reserves - P&C - Homeowners and other - Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Claims Development
Net reserve for claims and allocated claim adjustment expenses	$ 1,542,862
Property and Casualty | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	3,219,271
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	177
Net reserve for claims and allocated claim adjustment expenses	151,479
Property and Casualty | 2010 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	411,249	$ 410,994	$ 410,875	$ 409,781	$ 408,195	$ 404,490	$ 393,226	$ 370,301	$ 247,802
Property and Casualty | 2011 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	494,904	494,525	494,198	493,408	489,778	485,054	457,480	$ 314,139
Property and Casualty | 2012 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	475,765	473,781	473,190	471,084	466,266	452,589	$ 300,271
Property and Casualty | 2013 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	296,382	295,332	293,101	289,302	279,743	$ 219,937
Property and Casualty | 2014 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	301,741	297,640	289,456	278,255	$ 198,781
Property and Casualty | 2015 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	342,156	336,921	319,284	$ 233,264
Property and Casualty | 2016 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	331,102	320,564	$ 227,650
Property and Casualty | 2017 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	338,065	$ 258,234
Property and Casualty | 2018 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 227,907

Unpaid Losses and Loss Adjus_11

Unpaid Losses and Loss Adjustment Expense Reserves - A&H - Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance (Details) number in Thousands, $ in Thousands	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 ($)
2,017
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ (26,789)
2,018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	2,352,175
Accident and Health | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	1,285,687
Accident and Health | 2010 | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	26,648	$ 26,500	$ 26,282	$ 26,677	$ 25,361	$ 24,328	$ 23,665	$ 21,886	$ 21,110
Total of IBNR Plus Expected Development on Reported Claims	$ 78
Cumulative Number of Reported Claims	23,800
Accident and Health | 2011 | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 29,682	30,201	29,506	30,391	28,016	26,398	25,848	$ 19,863
Total of IBNR Plus Expected Development on Reported Claims	$ 184
Cumulative Number of Reported Claims	25,766
Accident and Health | 2012 | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 35,071	36,252	33,906	34,822	31,183	28,128	$ 21,237
Total of IBNR Plus Expected Development on Reported Claims	$ 290
Cumulative Number of Reported Claims	29,006
Accident and Health | 2013 | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 64,182	66,232	62,297	60,829	57,384	$ 46,293
Total of IBNR Plus Expected Development on Reported Claims	$ 408
Cumulative Number of Reported Claims	57,713
Accident and Health | 2014 | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 95,864	97,733	91,433	88,738	$ 80,718
Total of IBNR Plus Expected Development on Reported Claims	$ 509
Cumulative Number of Reported Claims	97,789
Accident and Health | 2015 | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 232,966	232,084	226,857	$ 212,071
Total of IBNR Plus Expected Development on Reported Claims	$ 908
Cumulative Number of Reported Claims	275,549
Accident and Health | 2016 | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 252,038	249,637	$ 259,281
Total of IBNR Plus Expected Development on Reported Claims	$ 2,175
Cumulative Number of Reported Claims	361,175
Accident and Health | 2017
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ (27,438)
Accident and Health | 2017 | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	248,038	$ 273,288
Total of IBNR Plus Expected Development on Reported Claims	$ 11,775
Cumulative Number of Reported Claims	343,273
Accident and Health | 2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 301,198
Accident and Health | 2018 | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	301,198
Total of IBNR Plus Expected Development on Reported Claims	$ 120,225
Cumulative Number of Reported Claims	244,828

Unpaid Losses and Loss Adjus_12

Unpaid Losses and Loss Adjustment Expense Reserves - A&H - Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Claims Development
Net reserve for claims and allocated claim adjustment expenses	$ 1,542,862
Accident and Health | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	1,081,781
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	2,238
Net reserve for claims and allocated claim adjustment expenses	206,144
Accident and Health | 2010 | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	25,410	$ 25,146	$ 24,754	$ 24,511	$ 23,942	$ 22,754	$ 20,708	$ 17,907	$ 11,408
Accident and Health | 2011 | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	28,586	28,305	27,845	27,425	26,281	24,260	21,437	$ 11,684
Accident and Health | 2012 | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	32,115	31,578	30,570	29,554	27,402	23,294	$ 13,809
Accident and Health | 2013 | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	58,964	58,144	56,632	54,254	49,334	$ 27,808
Accident and Health | 2014 | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	87,441	85,782	83,109	78,463	$ 46,857
Accident and Health | 2015 | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	218,925	216,424	208,738	$ 140,431
Accident and Health | 2016 | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	244,270	235,572	$ 147,952
Accident and Health | 2017 | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	218,237	$ 132,451
Accident and Health | 2018 | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 167,833

Unpaid Losses and Loss Adjus_13

Unpaid Losses and Loss Adjustment Expense Reserves - Reciprocal Exchanges - Auto Liability - Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance (Details) number in Thousands, $ in Thousands	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 ($)
2,017
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ (26,789)
2017 | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	6,548
2,018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	2,352,175
2018 | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	128,410
Property and Casualty | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	6,782,263
Property and Casualty | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	379,879
Property and Casualty | 2010 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	595,215	$ 595,157	$ 595,337	$ 595,763	$ 594,348	$ 593,992	$ 592,353	$ 593,187	$ 596,995
Total of IBNR Plus Expected Development on Reported Claims	$ 61
Cumulative Number of Reported Claims	241,670
Property and Casualty | 2010 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 57,568	57,222	57,218	57,268	57,453	56,991	57,079	59,169	$ 61,956
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims	5,854
Property and Casualty | 2011 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 496,408	497,324	497,109	493,873	494,922	489,010	485,762	490,230
Total of IBNR Plus Expected Development on Reported Claims	$ 50
Cumulative Number of Reported Claims	238,283
Property and Casualty | 2011 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 51,161	50,998	50,898	51,107	48,841	47,459	47,834	$ 47,666
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims	5,089
Property and Casualty | 2012 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 529,885	527,531	528,090	527,386	529,140	522,296	511,797
Total of IBNR Plus Expected Development on Reported Claims	$ 66
Cumulative Number of Reported Claims	249,856
Property and Casualty | 2012 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 50,303	50,767	50,370	48,665	48,044	47,275	$ 44,834
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims	5,016
Property and Casualty | 2013 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 572,538	567,410	563,834	556,290	556,262	544,833
Total of IBNR Plus Expected Development on Reported Claims	$ 767
Cumulative Number of Reported Claims	250,051
Property and Casualty | 2013 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 49,854	51,263	50,180	45,479	44,341	$ 43,684
Total of IBNR Plus Expected Development on Reported Claims	$ (1)
Cumulative Number of Reported Claims	5,090
Property and Casualty | 2014 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 779,992	766,640	760,566	759,577	740,531
Total of IBNR Plus Expected Development on Reported Claims	$ 6,150
Cumulative Number of Reported Claims	269,900
Property and Casualty | 2014 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 49,168	48,246	45,930	40,850	$ 38,656
Total of IBNR Plus Expected Development on Reported Claims	$ 500
Cumulative Number of Reported Claims	4,845
Property and Casualty | 2015 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 872,064	849,051	838,040	820,213
Total of IBNR Plus Expected Development on Reported Claims	$ 17,352
Cumulative Number of Reported Claims	291,338
Property and Casualty | 2015 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 34,615	34,390	33,409	$ 35,573
Total of IBNR Plus Expected Development on Reported Claims	$ 1,732
Cumulative Number of Reported Claims	4,366
Property and Casualty | 2016 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 976,749	940,849	932,350
Total of IBNR Plus Expected Development on Reported Claims	$ 51,322
Cumulative Number of Reported Claims	300,680
Property and Casualty | 2016 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 26,109	24,460	$ 24,619
Total of IBNR Plus Expected Development on Reported Claims	$ 4,879
Cumulative Number of Reported Claims	4,055
Property and Casualty | 2017
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ (5,899)
Property and Casualty | 2017 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	912,371	929,211
Total of IBNR Plus Expected Development on Reported Claims	$ 93,880
Cumulative Number of Reported Claims	292,748
Property and Casualty | 2017 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 28,762	$ 26,214
Total of IBNR Plus Expected Development on Reported Claims	$ 5,361
Cumulative Number of Reported Claims	5,071
Property and Casualty | 2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 1,922,567
Property and Casualty | 2018 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	1,047,041
Total of IBNR Plus Expected Development on Reported Claims	$ 380,720
Cumulative Number of Reported Claims	283,045
Property and Casualty | 2018 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 32,339
Total of IBNR Plus Expected Development on Reported Claims	$ 14,089
Cumulative Number of Reported Claims	5,940

Unpaid Losses and Loss Adjus_14

Unpaid Losses and Loss Adjustment Expense Reserves - Reciprocal Exchanges - Auto Liability - Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Claims Development
Net reserve for claims and allocated claim adjustment expenses	$ 1,542,862
Property and Casualty | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	193,808
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	0
Net reserve for claims and allocated claim adjustment expenses	(366)
Property and Casualty | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	5,754,903
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	2,063
Net reserve for claims and allocated claim adjustment expenses	1,029,423
Property and Casualty | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	326,649
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	5
Net reserve for claims and allocated claim adjustment expenses	53,235
Property and Casualty | 2010 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	24,653	$ 24,654	$ 24,661	$ 24,665	$ 24,681	$ 24,701	$ 24,725	$ 24,873	$ 25,583
Property and Casualty | 2010 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	594,696	594,168	592,932	590,417	579,237	562,918	534,107	474,640	287,058
Property and Casualty | 2010 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	56,961	56,522	55,700	55,155	53,635	49,764	41,020	32,181	$ 18,879
Property and Casualty | 2011 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	26,028	26,027	26,033	26,037	26,056	26,106	26,269	28,274
Property and Casualty | 2011 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	495,833	494,145	489,191	482,861	468,059	442,365	385,749	224,676
Property and Casualty | 2011 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	50,979	50,481	49,570	46,559	41,931	35,911	26,603	$ 15,857
Property and Casualty | 2012 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	25,845	25,850	25,854	25,914	26,172	26,651	23,760
Property and Casualty | 2012 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	527,695	523,703	518,079	501,819	470,515	413,018	242,285
Property and Casualty | 2012 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	49,836	48,990	46,358	42,768	37,241	29,286	$ 13,568
Property and Casualty | 2013 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	24,704	24,716	24,725	24,549	25,088	22,651
Property and Casualty | 2013 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	567,949	559,064	540,497	504,569	440,751	259,665
Property and Casualty | 2013 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	48,449	47,449	41,787	35,105	29,218	$ 14,683
Property and Casualty | 2014 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	25,685	25,427	25,772	26,165	24,528
Property and Casualty | 2014 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	757,933	728,256	694,002	601,980	342,710
Property and Casualty | 2014 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	46,001	39,328	32,382	26,070	$ 13,925
Property and Casualty | 2015 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	18,748	18,750	18,797	19,080
Property and Casualty | 2015 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	820,007	761,150	679,461	385,592
Property and Casualty | 2015 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	29,538	24,614	19,501	$ 11,910
Property and Casualty | 2016 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	13,079	13,147	12,579
Property and Casualty | 2016 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	855,407	737,927	400,052
Property and Casualty | 2016 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	16,994	13,478	$ 7,516
Property and Casualty | 2017 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	16,141	15,438
Property and Casualty | 2017 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	706,152	392,084
Property and Casualty | 2017 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	17,136	$ 9,111
Property and Casualty | 2018 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	18,925
Property and Casualty | 2018 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	429,231
Property and Casualty | 2018 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 10,755

Unpaid Losses and Loss Adjus_15

Unpaid Losses and Loss Adjustment Expense Reserves - Reciprocal Exchanges - Auto Physical Damage - Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance (Details) number in Thousands, $ in Thousands	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 ($)
2,017
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ (26,789)
2017 | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	6,548
2,018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	2,352,175
2018 | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	128,410
Property and Casualty | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	4,083,785
Property and Casualty | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	193,442
Property and Casualty | 2010 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	381,138	$ 381,410	$ 381,795	$ 381,826	$ 381,818	$ 381,748	$ 381,499	$ 382,067	$ 389,966
Total of IBNR Plus Expected Development on Reported Claims	$ 10
Cumulative Number of Reported Claims	309,112
Property and Casualty | 2010 | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 24,653	24,653	24,659	24,665	24,682	24,700	24,652	24,572	$ 29,664
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims	12,374
Property and Casualty | 2011 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 308,249	308,536	308,512	308,760	308,486	308,298	308,729	315,273
Total of IBNR Plus Expected Development on Reported Claims	$ (20)
Cumulative Number of Reported Claims	298,029
Property and Casualty | 2011 | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 26,028	26,023	26,029	26,037	26,060	26,022	26,055	$ 26,936
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims	12,041
Property and Casualty | 2012 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 295,026	295,970	296,050	296,257	295,984	298,208	308,056
Total of IBNR Plus Expected Development on Reported Claims	$ 6
Cumulative Number of Reported Claims	292,483
Property and Casualty | 2012 | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 25,845	25,841	25,842	25,914	26,189	26,459	$ 25,752
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims	11,301
Property and Casualty | 2013 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 328,010	328,262	328,284	328,748	329,049	335,454
Total of IBNR Plus Expected Development on Reported Claims	$ 13
Cumulative Number of Reported Claims	285,737
Property and Casualty | 2013 | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 24,704	24,703	24,709	25,292	25,214	$ 23,375
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims	11,072
Property and Casualty | 2014 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 486,373	486,383	486,206	487,302	496,227
Total of IBNR Plus Expected Development on Reported Claims	$ 77
Cumulative Number of Reported Claims	311,580
Property and Casualty | 2014 | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 25,882	25,588	25,806	27,424	$ 29,240
Total of IBNR Plus Expected Development on Reported Claims	$ (1)
Cumulative Number of Reported Claims	11,557
Property and Casualty | 2015 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 544,510	544,769	544,097	541,008
Total of IBNR Plus Expected Development on Reported Claims	$ (13)
Cumulative Number of Reported Claims	329,054
Property and Casualty | 2015 | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 18,789	18,673	18,592	$ 21,247
Total of IBNR Plus Expected Development on Reported Claims	$ (39)
Cumulative Number of Reported Claims	10,328
Property and Casualty | 2016 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 621,717	622,456	626,643
Total of IBNR Plus Expected Development on Reported Claims	$ 131
Cumulative Number of Reported Claims	337,670
Property and Casualty | 2016 | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 12,985	12,921	$ 12,270
Total of IBNR Plus Expected Development on Reported Claims	$ (170)
Cumulative Number of Reported Claims	8,752
Property and Casualty | 2017
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ (5,899)
Property and Casualty | 2017 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	570,699	600,813
Total of IBNR Plus Expected Development on Reported Claims	$ 1,988
Cumulative Number of Reported Claims	384,399
Property and Casualty | 2017 | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 15,410	$ 15,301
Total of IBNR Plus Expected Development on Reported Claims	$ (731)
Cumulative Number of Reported Claims	10,691
Property and Casualty | 2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 1,922,567
Property and Casualty | 2018 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	548,063
Total of IBNR Plus Expected Development on Reported Claims	$ 39,000
Cumulative Number of Reported Claims	347,326
Property and Casualty | 2018 | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 19,146
Total of IBNR Plus Expected Development on Reported Claims	$ (218)
Cumulative Number of Reported Claims	13,002

Unpaid Losses and Loss Adjus_16

Unpaid Losses and Loss Adjustment Expense Reserves - Reciprocal Exchanges - Auto Physical Damage - Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Claims Development
Net reserve for claims and allocated claim adjustment expenses	$ 1,542,862
Property and Casualty | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	193,808
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	0
Net reserve for claims and allocated claim adjustment expenses	(366)
Property and Casualty | 2010 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	24,653	$ 24,654	$ 24,661	$ 24,665	$ 24,681	$ 24,701	$ 24,725	$ 24,873	$ 25,583
Property and Casualty | 2011 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	26,028	26,027	26,033	26,037	26,056	26,106	26,269	$ 28,274
Property and Casualty | 2012 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	25,845	25,850	25,854	25,914	26,172	26,651	$ 23,760
Property and Casualty | 2013 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	24,704	24,716	24,725	24,549	25,088	$ 22,651
Property and Casualty | 2014 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	25,685	25,427	25,772	26,165	$ 24,528
Property and Casualty | 2015 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	18,748	18,750	18,797	$ 19,080
Property and Casualty | 2016 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	13,079	13,147	$ 12,579
Property and Casualty | 2017 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	16,141	$ 15,438
Property and Casualty | 2018 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 18,925

Unpaid Losses and Loss Adjus_17

Unpaid Losses and Loss Adjustment Expense Reserves - Reciprocal Exchanges - Homeowners and other - Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance (Details) number in Thousands, $ in Thousands	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 ($)
2,017
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ (26,789)
2017 | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	6,548
2,018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	2,352,175
2018 | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	128,410
Property and Casualty | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	3,370,573
Property and Casualty | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	315,669
Property and Casualty | 2010 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	411,290	$ 410,997	$ 411,304	$ 411,689	$ 412,187	$ 413,623	$ 413,664	$ 414,378	$ 422,123
Total of IBNR Plus Expected Development on Reported Claims	$ 10
Cumulative Number of Reported Claims	86,459
Property and Casualty | 2010 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 35,181	35,639	35,723	35,788	36,691	36,347	37,161	37,831	$ 38,125
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims	5,049
Property and Casualty | 2011 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 495,170	494,825	495,246	497,244	498,184	498,050	499,170	506,352
Total of IBNR Plus Expected Development on Reported Claims	$ 19
Cumulative Number of Reported Claims	107,854
Property and Casualty | 2011 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 28,075	28,002	27,950	27,954	28,209	28,511	28,869	$ 38,470
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims	6,640
Property and Casualty | 2012 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 476,166	474,649	476,538	477,577	478,880	480,353	485,454
Total of IBNR Plus Expected Development on Reported Claims	$ 36
Cumulative Number of Reported Claims	112,028
Property and Casualty | 2012 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 20,251	20,876	20,403	19,971	21,184	20,625	$ 25,289
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims	8,422
Property and Casualty | 2013 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 296,756	296,907	296,618	299,561	300,868	306,761
Total of IBNR Plus Expected Development on Reported Claims	$ 100
Cumulative Number of Reported Claims	75,831
Property and Casualty | 2013 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 20,367	20,615	20,309	20,132	21,232	$ 22,638
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims	3,148
Property and Casualty | 2014 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 304,237	304,496	303,925	306,471	318,488
Total of IBNR Plus Expected Development on Reported Claims	$ 474
Cumulative Number of Reported Claims	73,367
Property and Casualty | 2014 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 27,141	26,614	25,625	24,846	$ 27,706
Total of IBNR Plus Expected Development on Reported Claims	$ 174
Cumulative Number of Reported Claims	4,226
Property and Casualty | 2015 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 353,688	351,747	349,559	357,023
Total of IBNR Plus Expected Development on Reported Claims	$ 6,312
Cumulative Number of Reported Claims	69,636
Property and Casualty | 2015 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 22,007	21,527	21,031	$ 30,081
Total of IBNR Plus Expected Development on Reported Claims	$ 509
Cumulative Number of Reported Claims	5,443
Property and Casualty | 2016 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 340,711	341,762	350,737
Total of IBNR Plus Expected Development on Reported Claims	$ 3,690
Cumulative Number of Reported Claims	60,486
Property and Casualty | 2016 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 34,851	35,274	$ 36,838
Total of IBNR Plus Expected Development on Reported Claims	$ 1,065
Cumulative Number of Reported Claims	4,745
Property and Casualty | 2017
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ (5,899)
Property and Casualty | 2017 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	365,092	402,798
Total of IBNR Plus Expected Development on Reported Claims	$ 14,807
Cumulative Number of Reported Claims	57,547
Property and Casualty | 2017 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 50,871	$ 48,222
Total of IBNR Plus Expected Development on Reported Claims	$ 939
Cumulative Number of Reported Claims	8,630
Property and Casualty | 2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 1,922,567
Property and Casualty | 2018 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	327,463
Total of IBNR Plus Expected Development on Reported Claims	$ 42,891
Cumulative Number of Reported Claims	54,127
Property and Casualty | 2018 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 76,925
Total of IBNR Plus Expected Development on Reported Claims	$ 10,886
Cumulative Number of Reported Claims	11,930

Unpaid Losses and Loss Adjus_18

Unpaid Losses and Loss Adjustment Expense Reserves - Reciprocal Exchanges - Homeowners and other - Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Claims Development
Net reserve for claims and allocated claim adjustment expenses	$ 1,542,862
Property and Casualty | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	193,808
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	0
Net reserve for claims and allocated claim adjustment expenses	(366)
Property and Casualty | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	3,219,271
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	177
Net reserve for claims and allocated claim adjustment expenses	151,479
Property and Casualty | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	282,269
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	2,157
Net reserve for claims and allocated claim adjustment expenses	35,557
Property and Casualty | 2010 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	24,653	$ 24,654	$ 24,661	$ 24,665	$ 24,681	$ 24,701	$ 24,725	$ 24,873	$ 25,583
Property and Casualty | 2010 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	411,249	410,994	410,875	409,781	408,195	404,490	393,226	370,301	247,802
Property and Casualty | 2010 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	35,101	35,497	35,388	35,428	35,265	34,587	32,488	31,051	$ 23,881
Property and Casualty | 2011 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	26,028	26,027	26,033	26,037	26,056	26,106	26,269	28,274
Property and Casualty | 2011 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	494,904	494,525	494,198	493,408	489,778	485,054	457,480	314,139
Property and Casualty | 2011 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	27,758	27,692	27,656	27,661	26,700	25,799	24,997	$ 21,474
Property and Casualty | 2012 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	25,845	25,850	25,854	25,914	26,172	26,651	23,760
Property and Casualty | 2012 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	475,765	473,781	473,190	471,084	466,266	452,589	300,271
Property and Casualty | 2012 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	20,121	20,668	19,961	19,847	19,367	18,021	$ 11,087
Property and Casualty | 2013 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	24,704	24,716	24,725	24,549	25,088	22,651
Property and Casualty | 2013 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	296,382	295,332	293,101	289,302	279,743	219,937
Property and Casualty | 2013 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	19,626	19,653	19,104	18,107	17,435	$ 11,277
Property and Casualty | 2014 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	25,685	25,427	25,772	26,165	24,528
Property and Casualty | 2014 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	301,741	297,640	289,456	278,255	198,781
Property and Casualty | 2014 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	26,170	25,230	23,820	22,834	$ 15,344
Property and Casualty | 2015 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	18,748	18,750	18,797	19,080
Property and Casualty | 2015 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	342,156	336,921	319,284	233,264
Property and Casualty | 2015 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	20,339	19,834	18,518	$ 12,979
Property and Casualty | 2016 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	13,079	13,147	12,579
Property and Casualty | 2016 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	331,102	320,564	227,650
Property and Casualty | 2016 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	31,632	30,615	$ 20,978
Property and Casualty | 2017 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	16,141	15,438
Property and Casualty | 2017 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	338,065	258,234
Property and Casualty | 2017 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	46,003	$ 33,166
Property and Casualty | 2018 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	18,925
Property and Casualty | 2018 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	227,907
Property and Casualty | 2018 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 55,519

Unpaid Losses and Loss Adjus_19

Unpaid Losses and Loss Adjustment Expense Reserves - Historical Claims (Details)	Dec. 31, 2018
Accident and Health | Accident and Health
Short-duration Insurance Contracts, Historical Claims Duration
Historical Claims Duration, Year One	54.50%
Historical Claims Duration, Year Two	32.20%
Historical Claims Duration, Year Three	4.40%
Historical Claims Duration, Year Four	(0.20%)
Historical Claims Duration, Year Five	(0.30%)
Historical Claims Duration, Year Six	1.40%
Historical Claims Duration, Year Seven	1.30%
Historical Claims Duration, Year Eight	2.20%
Historical Claims Duration, Year Nine	2.20%
Property and Casualty | Property and Casualty - Auto Liability
Short-duration Insurance Contracts, Historical Claims Duration
Historical Claims Duration, Year One	43.70%
Historical Claims Duration, Year Two	33.70%
Historical Claims Duration, Year Three	11.00%
Historical Claims Duration, Year Four	5.80%
Historical Claims Duration, Year Five	3.30%
Historical Claims Duration, Year Six	1.50%
Historical Claims Duration, Year Seven	0.60%
Historical Claims Duration, Year Eight	0.30%
Historical Claims Duration, Year Nine	0.30%
Property and Casualty | Property and Casualty - Auto Liability | Reciprocal Exchanges
Short-duration Insurance Contracts, Historical Claims Duration
Historical Claims Duration, Year One	30.60%
Historical Claims Duration, Year Two	25.10%
Historical Claims Duration, Year Three	14.40%
Historical Claims Duration, Year Four	13.70%
Historical Claims Duration, Year Five	9.30%
Historical Claims Duration, Year Six	3.80%
Historical Claims Duration, Year Seven	1.30%
Historical Claims Duration, Year Eight	0.80%
Historical Claims Duration, Year Nine	0.80%
Property and Casualty | Property and Casualty - Auto Physical Damage
Short-duration Insurance Contracts, Historical Claims Duration
Historical Claims Duration, Year One	89.70%
Historical Claims Duration, Year Two	10.50%
Historical Claims Duration, Year Three	(0.10%)
Historical Claims Duration, Year Four	0.00%
Historical Claims Duration, Year Five	0.00%
Historical Claims Duration, Year Six	0.00%
Historical Claims Duration, Year Seven	(0.10%)
Historical Claims Duration, Year Eight	0.00%
Historical Claims Duration, Year Nine	(0.10%)
Property and Casualty | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Short-duration Insurance Contracts, Historical Claims Duration
Historical Claims Duration, Year One	98.60%
Historical Claims Duration, Year Two	3.00%
Historical Claims Duration, Year Three	(1.50%)
Historical Claims Duration, Year Four	(0.40%)
Historical Claims Duration, Year Five	0.10%
Historical Claims Duration, Year Six	0.10%
Historical Claims Duration, Year Seven	0.00%
Historical Claims Duration, Year Eight	0.00%
Historical Claims Duration, Year Nine	0.00%
Property and Casualty | Property and Casualty - Homeowners and other
Short-duration Insurance Contracts, Historical Claims Duration
Historical Claims Duration, Year One	66.10%
Historical Claims Duration, Year Two	26.40%
Historical Claims Duration, Year Three	4.20%
Historical Claims Duration, Year Four	1.60%
Historical Claims Duration, Year Five	1.10%
Historical Claims Duration, Year Six	0.30%
Historical Claims Duration, Year Seven	0.20%
Historical Claims Duration, Year Eight	0.00%
Historical Claims Duration, Year Nine	0.10%
Property and Casualty | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Short-duration Insurance Contracts, Historical Claims Duration
Historical Claims Duration, Year One	65.20%
Historical Claims Duration, Year Two	22.60%
Historical Claims Duration, Year Three	3.30%
Historical Claims Duration, Year Four	4.20%
Historical Claims Duration, Year Five	3.00%
Historical Claims Duration, Year Six	1.30%
Historical Claims Duration, Year Seven	0.10%
Historical Claims Duration, Year Eight	0.40%
Historical Claims Duration, Year Nine	0.10%

Unpaid Losses and Loss Adjus_20

Unpaid Losses and Loss Adjustment Expense Reserves - Reconciliation of Net Incurred and Paid Claims Development (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Reinsurance Recoverables, including Prepaid Reinsurance, net of Funds Held	$ 1,990,422	$ 1,624,323
Net reserve for claims and allocated claim adjustment expenses	1,542,862
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	326,596	164,422
Reinsurance recoverable on unpaid losses	1,285,142
Insurance lines other than short-duration	31,048
Unallocated claims adjustment expenses (“ULAE”)	98,107
Subtotal	129,155
Unpaid loss and loss adjustment expense reserves	2,957,159	2,663,557	$ 2,273,866	$ 1,762,575
Reinsurance recoverable	1,285,142	1,129,743	880,797	833,176
MCCA
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Reinsurance Recoverables, including Prepaid Reinsurance, net of Funds Held	601,552	673,458
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	7,470	7,948
Reinsurance recoverable	590,188	661,562
NCRF
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Reinsurance Recoverables, including Prepaid Reinsurance, net of Funds Held	253,884	231,504
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	36,418	34,698
Reinsurance recoverable	134,916	118,701
Reciprocal Exchanges
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Reinsurance Recoverables, including Prepaid Reinsurance, net of Funds Held	253,501	195,162
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	39,089	41,796
Unpaid loss and loss adjustment expense reserves	178,470	143,353
Reinsurance recoverable	77,979	52,408
National General Holdings Corp. (NGHC), Excluding Reciprocals
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Reinsurance Recoverables, including Prepaid Reinsurance, net of Funds Held	1,736,921	1,429,161
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	287,507	122,626
Unpaid loss and loss adjustment expense reserves	2,778,689	2,520,204	2,136,791	1,630,183
Reinsurance recoverable	1,207,163	1,077,335	838,605	794,091
Property and Casualty | Reciprocal Exchanges
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Net reserve for claims and allocated claim adjustment expenses	(366)
Unpaid loss and loss adjustment expense reserves	178,470	143,353	137,075	132,392
Reinsurance recoverable	77,979	52,408	42,192	39,085
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Unpaid loss and loss adjustment expense reserves	2,507,409	2,270,551	1,936,391	1,479,953
Reinsurance recoverable	1,182,588	1,067,495	827,672	793,508
Property and Casualty | Property and Casualty - Auto Liability
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Net reserve for claims and allocated claim adjustment expenses	1,029,423
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	877,907
Property and Casualty | Property and Casualty - Auto Liability | Reciprocal Exchanges
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Net reserve for claims and allocated claim adjustment expenses	53,235
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	37,180
Property and Casualty | Property and Casualty - Auto Physical Damage
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Net reserve for claims and allocated claim adjustment expenses	67,390
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	16,413
Property and Casualty | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Net reserve for claims and allocated claim adjustment expenses	(366)
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	105
Property and Casualty | Property and Casualty - Homeowners and other
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Net reserve for claims and allocated claim adjustment expenses	151,479
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	288,268
Property and Casualty | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Net reserve for claims and allocated claim adjustment expenses	35,557
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	40,694
Accident and Health | National General Holdings Corp. (NGHC), Excluding Reciprocals
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Unpaid loss and loss adjustment expense reserves	271,280	249,653	200,400	150,230
Reinsurance recoverable	24,575	$ 9,840	$ 10,933	$ 583
Accident and Health | Accident and Health
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Net reserve for claims and allocated claim adjustment expenses	206,144
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	$ 24,575

Unpaid Losses and Loss Adjus_21

Unpaid Losses and Loss Adjustment Expense Reserves - Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters
Rollforward table	$ 1,634,426	$ 1,612,051	$ 1,297,644
Current year	2,696,260	2,618,733	2,078,742
Reciprocal Exchanges | Property and Casualty
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters
Rollforward table	110,053	81,371	45,607
Current year	161,015	$ 118,938	$ 70,113
2,018
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters
Rollforward table	2,696,260
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	2,352,175
Unallocated claims adjustment expenses	306,241
Long-duration contracts	34,937
Effect of foreign exchange rates	2,907
Variance	344,085
Rollforward table	1,634,426
Current year	1,393,319
Unallocated claims adjustment expenses	227,498
Long-duration contracts	17,944
Effect of foreign exchange rates	(4,335)
Variance	241,107
2018 | Property and Casualty
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters
Rollforward table	2,182,923
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	1,922,567
Unallocated claims adjustment expenses	260,356
Long-duration contracts	0
Effect of foreign exchange rates	0
Variance	260,356
Rollforward table	1,336,359
Current year	1,140,287
Unallocated claims adjustment expenses	196,072
Long-duration contracts	0
Effect of foreign exchange rates	0
Variance	196,072
2018 | Accident and Health
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters
Rollforward table	352,322
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	301,198
Unallocated claims adjustment expenses	13,280
Long-duration contracts	34,937
Effect of foreign exchange rates	2,907
Variance	51,124
Rollforward table	188,014
Current year	167,833
Unallocated claims adjustment expenses	6,572
Long-duration contracts	17,944
Effect of foreign exchange rates	(4,335)
Variance	20,181
2018 | Reciprocal Exchanges
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters
Rollforward table	161,015
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	128,410
Unallocated claims adjustment expenses	32,605
Long-duration contracts	0
Effect of foreign exchange rates	0
Variance	32,605
Rollforward table	110,053
Current year	85,199
Unallocated claims adjustment expenses	24,854
Long-duration contracts	0
Effect of foreign exchange rates	0
Variance	24,854
2,017
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters
Rollforward table	(34,034)
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	(26,789)
Unallocated claims adjustment expenses	(2,964)
Accident years prior to 2010	1,504
Delaware captive subsidiaries	19
Long-duration contracts	(5,285)
Effect of foreign exchange rates	(519)
Variance	(7,245)
Rollforward table	880,811
Current year	811,423
Unallocated claims adjustment expenses	53,565
Accident years prior to 2010	3,210
Delaware captive subsidiaries	77
Long-duration contracts	6,628
Effect of foreign exchange rates	5,908
Variance	69,388
2017 | Property and Casualty
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters
Rollforward table	(4,760)
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	(5,899)
Unallocated claims adjustment expenses	412
Accident years prior to 2010	727
Delaware captive subsidiaries	0
Long-duration contracts	0
Effect of foreign exchange rates	0
Variance	1,139
Rollforward table	720,039
Current year	669,687
Unallocated claims adjustment expenses	49,019
Accident years prior to 2010	1,333
Delaware captive subsidiaries	0
Long-duration contracts	0
Effect of foreign exchange rates	0
Variance	50,352
2017 | Accident and Health
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters
Rollforward table	(30,977)
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	(27,438)
Unallocated claims adjustment expenses	2,246
Accident years prior to 2010	0
Delaware captive subsidiaries	19
Long-duration contracts	(5,285)
Effect of foreign exchange rates	(519)
Variance	(3,539)
Rollforward table	117,653
Current year	100,546
Unallocated claims adjustment expenses	3,758
Accident years prior to 2010	736
Delaware captive subsidiaries	77
Long-duration contracts	6,628
Effect of foreign exchange rates	5,908
Variance	17,107
2017 | Reciprocal Exchanges
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters
Rollforward table	1,703
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	6,548
Unallocated claims adjustment expenses	(5,622)
Accident years prior to 2010	777
Delaware captive subsidiaries	0
Long-duration contracts	0
Effect of foreign exchange rates	0
Variance	(4,845)
Rollforward table	43,119
Current year	41,190
Unallocated claims adjustment expenses	788
Accident years prior to 2010	1,141
Delaware captive subsidiaries	0
Long-duration contracts	0
Effect of foreign exchange rates	0
Variance	$ 1,929

Reinsurance Narrative (Details)

Reinsurance Narrative (Details) - USD ($) $ in Thousands	Jul. 01, 2018	May 01, 2018	Jul. 01, 2017	May 01, 2017	Dec. 31, 2019	Dec. 31, 2018	Jun. 30, 2017	Dec. 31, 2017
Reinsurance Retention Policy
Funds held under Reinsurance Agreements						$ 286,990		$ 186,964
Reciprocal Exchanges
Reinsurance Retention Policy
Funds held under Reinsurance Agreements						0		22
MCCA
Reinsurance Retention Policy
Funds held under Reinsurance Agreements						0		0
Ceded Credit Risk, Secured
Reinsurance Retention Policy
Funds held under Reinsurance Agreements						165,004		$ 93,176
Personal Auto
Reinsurance Retention Policy
Reinsurance - Percentage of Business Ceded			15.00%
Reinsurance - Percentage of Ceding Commission			31.20%
Liability of the Reinsurer per Risk			$ 5,000
Liability of the Reinsurer per Event			$ 70,000
Homeowners
Reinsurance Retention Policy
Reinsurance - Percentage of Business Ceded		42.00%	29.60%
Reinsurance - Percentage of Ceding Commission		38.00%	42.50%
Liability of the Reinsurer per Risk			$ 5,000
Liability of the Reinsurer per Event			70,000
Reinsurance - Percentage of Business Ceded, Additional		12.40%
Property Catastrophe Program
Reinsurance Retention Policy
Amount of coverage in excess of retention				$ 575,000
Retention amount				70,000
Property Catastrophe Program | Reciprocal Exchanges
Reinsurance Retention Policy
Amount of coverage in excess of retention	$ 475,000		375,000
Retention amount	$ 20,000		$ 20,000
Casualty Program
Reinsurance Retention Policy
Amount of coverage in excess of retention				35,000
Retention amount				$ 5,000
Automobile Insurance | MCCA
Reinsurance Retention Policy
Amount of coverage in excess of retention							$ 545
Medical Insurance | MCCA
Reinsurance Retention Policy
Amount of coverage in excess of retention						$ 555
Minimum | Personal Auto
Reinsurance Retention Policy
Reinsurance - Percentage of Business Ceded						10.00%
Reinsurance - Percentage of Ceding Commission			29.60%
Loss Ratio			63.40%
Maximum | Personal Auto
Reinsurance Retention Policy
Reinsurance - Percentage of Business Ceded			30.00%
Reinsurance - Percentage of Ceding Commission			32.80%
Loss Ratio			66.60%
Subsequent Event | Personal Auto
Reinsurance Retention Policy
Reinsurance - Percentage of Business Ceded					7.00%
Subsequent Event | Minimum | Personal Auto
Reinsurance Retention Policy
Reinsurance - Percentage of Business Ceded					5.00%

Reinsurance Premiums and Loss C

Reinsurance Premiums and Loss Ceded and Reinsurance Recoverables (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Effects of Reinsurance
Reinsurance Recoverables on Paid Losses, Gross	$ 326,596	$ 164,422
Reinsurance Recoverables on Unpaid Losses, Gross	1,285,142	1,129,743
Reinsurance Recoverables, Including Reinsurance Premium Paid	1,611,738	1,294,165
Unpaid Loss and LAE reserves, Assumed	84,469	134,246
Unearned Premiums, Assumed	21,015	45,182
Unpaid Losses and LAE reserves, Ceded	1,285,142	1,129,743	$ 880,797	$ 833,176
Prepaid reinsurance premiums	665,674	517,122
Direct Premiums Written	5,317,742	4,637,911	2,964,188
Assumed Premiums Written	99,097	118,074	536,710
Total Gross Premiums, Written	5,416,839	4,755,985	3,500,898
Ceded Premiums Written	(1,589,126)	(1,178,390)	(428,202)
Net premium written	3,827,713	3,577,595	3,072,696
Direct Premiums Earned	5,049,512	4,233,184	2,718,103
Assumed Premiums Earned	123,265	239,230	687,829
Premiums Earned, Gross	5,172,777	4,472,414	3,405,932
Ceded earned premiums	(1,440,575)	(818,238)	(410,761)
Net earned premium	3,732,202	3,654,176	2,995,171
Loss and LAE expense, Assumed	29,290	128,418	409,046
Policyholder Benefits and Claims Incurred, Ceded	1,041,286	790,524	463,603
MCCA
Effects of Reinsurance
Unpaid Losses and LAE reserves, Ceded	590,188	661,562
Prepaid reinsurance premiums	3,894	3,948
Ceded earned premiums	(9,676)	(9,323)	(9,404)
Ceded Loss and LAE	54,105	(14,304)	(26,510)
Reinsurance recoverable on paid losses	7,470	7,948
NCRF
Effects of Reinsurance
Unpaid Losses and LAE reserves, Ceded	134,916	118,701
Prepaid reinsurance premiums	82,550	78,105
Ceded earned premiums	(232,270)	(190,809)	(165,491)
Reinsurance recoverable on paid losses	36,418	34,698
Policyholder Benefits and Claims Incurred, Ceded	$ 210,297	$ 186,051	$ 173,926

Reinsurance Concentration of Cr

Reinsurance Concentration of Credit Risk by Reinsurer (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Ceded Credit Risk
Reinsurance recoverable	$ 1,285,142	$ 1,129,743	$ 880,797	$ 833,176
Recoverable on paid losses	326,596	164,422
Prepaid reinsurance premiums	665,674	517,122
Funds Held	(286,990)	(186,964)
Net	1,990,422	1,624,323
Reciprocal Exchanges
Ceded Credit Risk
Reinsurance recoverable	77,979	52,408
Recoverable on paid losses	39,089	41,796
Prepaid reinsurance premiums	136,433	100,980
Funds Held	0	(22)
Net	253,501	195,162
National General Holdings Corp. (NGHC), Excluding Reciprocals
Ceded Credit Risk
Reinsurance recoverable	1,207,163	1,077,335	$ 838,605	$ 794,091
Recoverable on paid losses	287,507	122,626
Prepaid reinsurance premiums	529,241	416,142
Funds Held	(286,990)	(186,942)
Net	1,736,921	1,429,161
MCCA
Ceded Credit Risk
Reinsurance recoverable	590,188	661,562
Recoverable on paid losses	7,470	7,948
Prepaid reinsurance premiums	3,894	3,948
Funds Held	0	0
Net	601,552	673,458
NCRF
Ceded Credit Risk
Reinsurance recoverable	134,916	118,701
Recoverable on paid losses	36,418	34,698
Prepaid reinsurance premiums	82,550	78,105
Funds Held	0	0
Net	253,884	231,504
Hannover Ruck SE
Ceded Credit Risk
Reinsurance recoverable	182,184	97,208
Recoverable on paid losses	120,624	40,725
Prepaid reinsurance premiums	192,700	169,704
Funds Held	(282,129)	(180,222)
Net	213,379	127,415
Related Parties
Ceded Credit Risk
Reinsurance recoverable	5,681	11,301
Recoverable on paid losses	1,744	4,387
Prepaid reinsurance premiums	0	0
Funds Held	0	0
Net	7,425	15,688
Other reinsurers' balances - each less than 5% of total
Ceded Credit Risk
Reinsurance recoverable	372,173	240,971
Recoverable on paid losses	160,340	76,664
Prepaid reinsurance premiums	386,530	265,365
Funds Held	(4,861)	(6,742)
Net	$ 914,182	$ 576,258

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Income Tax Disclosure
Federal tax rate	21.00%	35.00%	35.00%
Effective Income Tax Rate Reconciliation, Tax Cuts and Jobs Act of 2017, Amount	$ (1,317)	$ 20,589
Deferred tax assets, valuation allowance	60,344	5,410
Net operating loss carryforwards	58,082	64,795	$ 65,237
Interest or penalties recorded	$ 0	$ 0	$ 0
Reciprocal Exchanges
Income Tax Disclosure
Federal tax rate	21.00%	35.00%	35.00%
Effective Income Tax Rate Reconciliation, Tax Cuts and Jobs Act of 2017, Amount	$ (366)	$ (5,194)
Deferred tax assets, valuation allowance	6,628	5,410
Net operating loss carryforwards	$ 54,300	$ 18,592	$ 16,157
National General Holdings Corp. (NGHC), Excluding Reciprocals
Income Tax Disclosure
Federal tax rate	21.00%	35.00%	35.00%
Effective Income Tax Rate Reconciliation, Tax Cuts and Jobs Act of 2017, Amount	$ (951)	$ 25,783
Deferred tax assets, valuation allowance	53,716	$ 0
Tax Year 2018 | National General Holdings Corp. (NGHC), Excluding Reciprocals
Income Tax Disclosure
Tax Cuts And Jobs Act Of 2017, Incomplete Accounting, Transition Tax For Accumulated Foreign Earnings, Provisional Income Tax Expense (Benefit)	$ 114,417

Income Taxes - Components of In

Income Taxes - Components of Income Tax Expense (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Current expense (benefit)
Federal									$ 24,749	$ 16,716	$ 62,750
Foreign									1,376	2,057	5,119
Total current tax expense									26,125	18,773	67,869
Deferred expense (benefit)
Federal									26,755	50,819	(14,843)
Foreign									604	(8,319)	(19,028)
Total deferred tax expense (benefit)									27,359	42,500	(33,871)
Provision for income taxes	$ 15,223	$ 15,518	$ 6,541	$ 16,202	$ 20,522	$ 18,475	$ 11,487	$ 10,789	53,484	61,273	33,998
Reciprocal Exchanges
Current expense (benefit)
Federal									(2,290)	2,840	857
Foreign									0	0	0
Total current tax expense									(2,290)	2,840	857
Deferred expense (benefit)
Federal									(1,260)	(8,485)	(10,648)
Foreign									0	0	0
Total deferred tax expense (benefit)									(1,260)	(8,485)	(10,648)
Provision for income taxes									(3,550)	(5,645)	(9,791)
National General Holdings Corp. (NGHC), Excluding Reciprocals
Current expense (benefit)
Federal									27,039	13,876	61,893
Foreign									1,376	2,057	5,119
Total current tax expense									28,415	15,933	67,012
Deferred expense (benefit)
Federal									28,015	59,304	(4,195)
Foreign									604	(8,319)	(19,028)
Total deferred tax expense (benefit)									28,619	50,985	(23,223)
Provision for income taxes									$ 57,034	$ 66,918	$ 43,789

Income Taxes - Domestic and For

Income Taxes - Domestic and Foreign Components of Income Before Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Entity Information
Domestic	$ 201,083	$ 212,551	$ 212,136
Foreign	19,925	(49,070)	18,236
Income before provision for income taxes	221,008	163,481	230,372
Reciprocal Exchanges
Entity Information
Domestic	(43,380)	(9,282)	10,764
Foreign	0	0	0
Income before provision for income taxes	(43,380)	(9,282)	10,764
National General Holdings Corp. (NGHC), Excluding Reciprocals
Entity Information
Domestic	244,463	221,833	201,372
Foreign	19,925	(49,070)	18,236
Income before provision for income taxes	$ 264,388	$ 172,763	$ 219,608

Income Taxes - Deferred Tax Ass

Income Taxes - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Deferred tax assets:
Accrued expenses	$ 6,481	$ 13,444
Unearned premiums and other revenue	61,701	64,577
Bad debt	4,243	3,920
Depreciation	93	3,931
Loss reserve discount	10,669	11,462
Net operating loss carryforwards	98,860	39,826
Capital loss carryforwards	0	4,227
Foreign currency translation	3,850	2,076
Unrealized capital losses	11,249	0
Other	11,384	8,708
Gross deferred tax assets	208,530	152,171
Less: Valuation allowance	(60,344)	(5,410)
Total deferred tax assets	148,186	146,761
Deferred tax liabilities:
Deferred acquisition costs	51,616	47,687
Intangible assets	43,182	47,017
Loss reserve discount earnout	0	3,962
Goodwill	3,007	1,893
Premises and equipment	18,920	2,040
Surplus note interest	12,355	13,003
Other	1,345	868
Gross deferred tax liabilities	130,425	116,470
Deferred tax asset	23,557	38,674
Deferred tax liability	(5,796)	(8,383)
Reciprocal Exchanges
Deferred tax assets:
Accrued expenses	0	5,249
Unearned premiums and other revenue	4,128	4,279
Bad debt	222	33
Depreciation	93	53
Loss reserve discount	767	953
Net operating loss carryforwards	11,403	3,905
Capital loss carryforwards	0	190
Foreign currency translation	0	0
Unrealized capital losses	1,236	0
Other	712	1,062
Gross deferred tax assets	18,561	15,724
Less: Valuation allowance	(6,628)	(5,410)
Total deferred tax assets	11,933	10,314
Deferred tax liabilities:
Deferred acquisition costs	4,201	4,376
Intangible assets	918	914
Loss reserve discount earnout	0	313
Goodwill	0	0
Premises and equipment	0	0
Surplus note interest	12,355	13,003
Other	255	91
Gross deferred tax liabilities	17,729	18,697
Deferred tax asset	0	0
Deferred tax liability	(5,796)	(8,383)
National General Holdings Corp. (NGHC), Excluding Reciprocals
Deferred tax assets:
Accrued expenses	6,481	8,195
Unearned premiums and other revenue	57,573	60,298
Bad debt	4,021	3,887
Depreciation	0	3,878
Loss reserve discount	9,902	10,509
Net operating loss carryforwards	87,457	35,921
Capital loss carryforwards	0	4,037
Foreign currency translation	3,850	2,076
Unrealized capital losses	10,013	0
Other	10,672	7,646
Gross deferred tax assets	189,969	136,447
Less: Valuation allowance	(53,716)	0
Total deferred tax assets	136,253	136,447
Deferred tax liabilities:
Deferred acquisition costs	47,415	43,311
Intangible assets	42,264	46,103
Loss reserve discount earnout	0	3,649
Goodwill	3,007	1,893
Premises and equipment	18,920	2,040
Surplus note interest	0	0
Other	1,090	777
Gross deferred tax liabilities	112,696	97,773
Deferred tax asset	23,557	38,674
Deferred tax liability	$ 0	$ 0

Income Taxes - Effective Income

Income Taxes - Effective Income Tax Reconciliation (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Entity Information
Income before provision for income taxes									$ 221,008	$ 163,481	$ 230,372
Computed “expected” tax expense									46,411	57,218	80,629
Tax effects resulting from:
Tax-exempt interest									(940)	(2,744)	(3,361)
Effect of foreign operations									2,807	(4,940)	(13,416)
Goodwill impairment										1,709	1,023
Statutory equalization reserves										(8,319)	(5,898)
State taxes									4,578		4,824
Change in valuation allowance									54,934	(1,725)	(10,160)
Bargain purchase gain											(8,508)
Benefits of operating loss carryforwards									(53,716)
Effects of TCJA									(1,317)	20,589
Other permanent items									727	(515)	(11,135)
Provision for income taxes	$ 15,223	$ 15,518	$ 6,541	$ 16,202	$ 20,522	$ 18,475	$ 11,487	$ 10,789	$ 53,484	$ 61,273	$ 33,998
Effective income tax rate reconciliation
Tax Rate									21.00%	35.00%	35.00%
Tax-exempt interest, Tax Rate									(0.40%)	(1.70%)	(1.50%)
Exempt foreign income, Tax Rate									1.30%	(3.00%)	(5.80%)
Goodwill impairment, Tax Rate										1.00%	0.40%
Statutory equalization reserves, Tax Rate										(5.10%)	(2.60%)
State tax, Tax Rate									2.10%		2.10%
Change in valuation allowance, Tax Rate									24.90%	(1.10%)	(4.40%)
Bargain purchase gain, Tax Rate											(3.70%)
Benefits of operating loss carryforwards, Tax Rate									(24.30%)
Effects of tax reform, Tax Rate									(0.60%)	12.60%
Other permanent items, Tax Rate									0.20%	(0.20%)	(4.70%)
Total income tax reported, Tax Rate									24.20%	37.50%	14.80%
Reciprocal Exchanges
Entity Information
Income before provision for income taxes									$ (43,380)	$ (9,282)	$ 10,764
Computed “expected” tax expense									(9,110)	(3,249)	3,767
Tax effects resulting from:
Tax-exempt interest									(30)	(110)	(149)
Effect of foreign operations									0	0	0
Goodwill impairment										0	0
Statutory equalization reserves										0	0
State taxes									0		0
Change in valuation allowance									1,218	(1,725)	(10,160)
Bargain purchase gain											0
Benefits of operating loss carryforwards									0
Effects of TCJA									(366)	(5,194)
Other permanent items									4,738	4,633	(3,249)
Provision for income taxes									$ (3,550)	$ (5,645)	$ (9,791)
Effective income tax rate reconciliation
Tax Rate									21.00%	35.00%	35.00%
Tax-exempt interest, Tax Rate									0.10%	1.20%	(1.40%)
Exempt foreign income, Tax Rate									0.00%	0.00%	0.00%
Goodwill impairment, Tax Rate										0.00%	0.00%
Statutory equalization reserves, Tax Rate										0.00%	0.00%
State tax, Tax Rate									0.00%		0.00%
Change in valuation allowance, Tax Rate									(2.80%)	18.60%	(94.40%)
Bargain purchase gain, Tax Rate											0.00%
Benefits of operating loss carryforwards, Tax Rate									0.00%
Effects of tax reform, Tax Rate									0.80%	56.00%
Other permanent items, Tax Rate									(10.90%)	(50.00%)	(30.20%)
Total income tax reported, Tax Rate									8.20%	60.80%	(91.00%)
National General Holdings Corp. (NGHC), Excluding Reciprocals
Entity Information
Income before provision for income taxes									$ 264,388	$ 172,763	$ 219,608
Computed “expected” tax expense									55,521	60,467	76,862
Tax effects resulting from:
Tax-exempt interest									(910)	(2,634)	(3,212)
Effect of foreign operations									2,807	(4,940)	(13,416)
Goodwill impairment										1,709	1,023
Statutory equalization reserves										(8,319)	(5,898)
State taxes									4,578		4,824
Change in valuation allowance									53,716	0	0
Bargain purchase gain											(8,508)
Benefits of operating loss carryforwards									(53,716)
Effects of TCJA									(951)	25,783
Other permanent items									(4,011)	(5,148)	(7,886)
Provision for income taxes									$ 57,034	$ 66,918	$ 43,789
Effective income tax rate reconciliation
Tax Rate									21.00%	35.00%	35.00%
Tax-exempt interest, Tax Rate									(0.30%)	(1.50%)	(1.50%)
Exempt foreign income, Tax Rate									1.10%	(2.90%)	(6.10%)
Goodwill impairment, Tax Rate										1.00%	0.50%
Statutory equalization reserves, Tax Rate										(4.80%)	(2.70%)
State tax, Tax Rate									1.70%		2.20%
Change in valuation allowance, Tax Rate									20.30%	0.00%	0.00%
Bargain purchase gain, Tax Rate											(3.90%)
Benefits of operating loss carryforwards, Tax Rate									(20.30%)
Effects of tax reform, Tax Rate									(0.40%)	14.90%
Other permanent items, Tax Rate									(1.50%)	(3.00%)	(3.60%)
Total income tax reported, Tax Rate									21.60%	38.70%	19.90%

Debt - 6.75% Notes due 2024 (De

Debt - 6.75% Notes due 2024 (Details) - Senior Notes - 6.75% Notes - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	May 23, 2014
Debt Instrument
Interest rate on debt	6.75%
Debt				$ 350,000
Proceeds from debt			$ 343,850
Interest Expense, Debt	$ 23,625	$ 23,688	$ 23,625
Indenture Excess Leverage Ratio | Minimum
Debt Instrument
Ratio of Indebtedness to Net Capital	0.35
Indenture Excess Leverage Ratio | Maximum
Debt Instrument
Ratio of Indebtedness to Net Capital	1

Debt - 7.625% Subordinated Note

Debt - 7.625% Subordinated Notes due 2055 (Details) - Senior Notes - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Aug. 18, 2015	May 23, 2014
7.625% Notes
Debt Instrument
Interest rate on debt	7.625%
Debt				$ 100,000
Proceeds from debt		$ 96,550
Interest Expense, Debt	$ 7,625	7,454	$ 7,625
7.625% Notes | Indenture Excess Leverage Ratio | Minimum
Debt Instrument
Ratio of Indebtedness to Net Capital	0.35
7.625% Notes | Indenture Excess Leverage Ratio | Maximum
Debt Instrument
Ratio of Indebtedness to Net Capital	1
6.75% Notes
Debt Instrument
Interest rate on debt	6.75%
Debt					$ 350,000
Proceeds from debt			343,850
Interest Expense, Debt	$ 23,625	$ 23,688	$ 23,625
6.75% Notes | Indenture Excess Leverage Ratio | Minimum
Debt Instrument
Ratio of Indebtedness to Net Capital	0.35
6.75% Notes | Indenture Excess Leverage Ratio | Maximum
Debt Instrument
Ratio of Indebtedness to Net Capital	1

Debt - Subordinated Debentures

Debt - Subordinated Debentures (Details) - Surplus Notes - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Nov. 01, 2016
Subordinated Debentures Tranche $41,238 due 2035
Debt Instrument
Debt				$ 41,238
Subordinated Debentures Tranche $41,238 due 2035 | London Interbank Offered Rate (LIBOR)
Debt Instrument
Debt Instrument, Basis Spread on Variable Rate	3.40%
Subordinated Debentures Tranche $30,930 due 2037
Debt Instrument
Debt				$ 30,930
Subordinated Debentures Tranche $30,930 due 2037 | London Interbank Offered Rate (LIBOR)
Debt Instrument
Debt Instrument, Basis Spread on Variable Rate	4.25%
Subordinated Debentures
Debt Instrument
Debt Instrument, Redemption Price, Percentage	100.00%
Interest Expense, Debt	$ 4,346	$ 3,768	$ 546

Debt - Imperial-related Debt (D

Debt - Imperial-related Debt (Details) - Surplus Notes - Imperial Surplus Notes - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Jun. 27, 2014
Debt Instrument
Debt				$ 5,000
Interest Expense, Debt	$ 108	$ 265	$ 240
London Interbank Offered Rate (LIBOR)
Debt Instrument
Debt Instrument, Basis Spread on Variable Rate	4.05%

Debt - SPCIC-related Debt (Deta

Debt - SPCIC-related Debt (Details) - Surplus Notes - SPCIC Surplus Notes - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Oct. 07, 2016
Debt Instrument
Debt				$ 4,000
Interest Expense, Debt	$ 58	$ 217	$ 51
London Interbank Offered Rate (LIBOR)
Debt Instrument
Debt Instrument, Basis Spread on Variable Rate	4.15%

Debt - Revolving Credit Agreeme

Debt - Revolving Credit Agreement (Details) - JPMorgan Chase, N.A. - USD ($) $ in Thousands	Feb. 25, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Jan. 25, 2016
Credit Agreement
Debt Instrument
Line of Credit Facility, Maximum Borrowing Capacity					$ 245,000
Letter Of Credit Fronting Fee		0.125%
Line of Credit Facility, Commitment Fee Percentage		0.25%
Proceeds from Lines of Credit		$ 160,000
Line of Credit Facility, Interest Rate at Period End		4.58%
Interest Expense, Debt		$ 7,491	$ 4,229	$ 945
Credit Agreement | Minimum
Debt Instrument
Line of Credit Facility, Current Borrowing Capacity					112,500
Line of Credit Facility, Commitment Fee Percentage		0.20%
Credit Agreement | Maximum
Debt Instrument
Line of Credit Facility, Current Borrowing Capacity					$ 30,000
Line of Credit Facility, Commitment Fee Percentage		0.30%
Credit Agreement | Failure To Pay Interest Or Fees
Debt Instrument
Number Of Days Failure to Pay Interest Or Fees		3 days
Credit Agreement | Federal Funds Purchased
Debt Instrument
Debt Instrument, Description of Variable Rate Basis		federal funds
Credit Agreement | Alternate Base Rate Or LIBOR
Debt Instrument
Debt Instrument, Basis Spread on Variable Rate		0.50%
Credit Agreement | London Interbank Offered Rate (LIBOR)
Debt Instrument
Debt Instrument, Description of Variable Rate Basis		LIBOR
Debt Instrument, Basis Spread on Variable Rate		1.00%
Subsequent Event | 2019 Credit Agreement
Debt Instrument
Line of Credit Facility, Current Borrowing Capacity	$ 150,000
Debt Instrument, Basis Spread on Variable Rate	1.75%
Line of Credit Facility, Commitment Fee Percentage	0.225%
Proceeds from Lines of Credit	$ 160,000
Line of Credit Facility, Maximum Amount Outstanding During Period	340,000
Subsequent Event | 2019 Credit Agreement | Maximum
Debt Instrument
Line of Credit Facility, Current Borrowing Capacity	$ 50,000

Debt - Debt Maturities (Details

Debt - Debt Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Maturities of Debt
2,019	$ 0
2,020	160,000
2,021	0
2,022	0
2,023	0
Thereafter	522,168
Total principal amount of debt	682,168
Less: Unamortized debt issuance costs and unamortized discount	(6,719)
Carrying amount of debt	675,449	$ 713,710
Credit Agreement | JPMorgan Chase, N.A.
Maturities of Debt
2,019	0
2,020	160,000
2,021	0
2,022	0
2,023	0
Thereafter	0
Total principal amount of debt	160,000
Senior Notes | 6.75% Notes
Maturities of Debt
2,019	0
2,020	0
2,021	0
2,022	0
2,023	0
Thereafter	350,000
Total principal amount of debt	350,000
Carrying amount of debt	346,439	345,786
Senior Notes | 7.625% Notes
Maturities of Debt
2,019	0
2,020	0
2,021	0
2,022	0
2,023	0
Thereafter	100,000
Total principal amount of debt	100,000
Carrying amount of debt	96,842	$ 96,756
Senior Notes | Subordinated Debentures
Maturities of Debt
2,019	0
2,020	0
2,021	0
2,022	0
2,023	0
Thereafter	72,168
Total principal amount of debt	$ 72,168

Related Party Transactions - As

Related Party Transactions - Asset Management Agreement (Details) - Related Party - Asset Management Fee - AAIM - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Related Party Transaction
Asset management fee percentage, above threshold	0.0375%
Asset management fee, threshold to determine fee	$ 1,000,000
Asset management costs	2,155	$ 4,716	$ 3,436
Payable related to management services	$ 0	$ 1,208

Related Party Transactions - Ma

Related Party Transactions - Master Service Agreement (Details) - Related Party - AmTrust Financial Services, Inc. - USD ($) $ in Thousands	Sep. 13, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Policy Administration System
Related Party Transaction
Related Party Transaction, Purchases from Related Party	$ 200,000
Payments to Acquire Software	66,667
Master Service Agreement
Related Party Transaction
Expenses from reinsurance affiliates		$ 10,952	$ 41,540	$ 51,446
Maximum | Policy Administration System
Related Party Transaction
Expenses from reinsurance affiliates	$ 5,000

Related Party Transactions - NG

Related Party Transactions - NGHC Quota Share Agreement (Details) - USD ($) $ in Thousands	12 Months Ended			53 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Jul. 31, 2014
Related Party Transaction
Restricted investments to trusts in certain reinsurance transactions	$ 70,470	$ 110,314
ACP Re Ltd., Maiden Insurance Company, and Technology Insurance Company | Related Party | Reinsurance
Related Party Transaction
Percentage of business ceded				50.00%
ACP Re Ltd., Maiden Insurance Company, and Technology Insurance Company | Related Party | Reinsurance Recoverable on Paid and Unpaid Losses
Related Party Transaction
Due from (to) reinsurance treaties	7,425	15,688
Amounts of transaction	2,157	3,356	$ 13,271
ACP Re | Related Party
Related Party Transaction
Restricted investments to trusts in certain reinsurance transactions	3,796	6,530
Maiden Insurance Company, a subsidiary of Maiden | Related Party
Related Party Transaction
Restricted investments to trusts in certain reinsurance transactions	$ 8,644	$ 13,834

Related Party Transactions - Ag

Related Party Transactions - Agreements with ACP Re and Affiliated Entities (Details) - USD ($) $ in Thousands	Jul. 28, 2016	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Related Party Transaction
Other investments		$ 306,276	$ 421,292
Notes Receivable
Related Party Transaction
Other investments		128,893	126,173
Related Party
Related Party Transaction
Other investments		233,723	347,548
Related Party | Notes Receivable
Related Party Transaction
Other investments		127,692	126,173
Related Party | ACP Re
Related Party Transaction
Maintenance covenant, minimum collateral interest as percent of value of outstanding loan balance	115.00%
Percent of outstanding principal balance of loan due and payable annually after tenth anniversary	2.00%
Minimum percent of change in control included as events of default	50.00%
Interest income, related party		$ 4,711	$ 4,654	$ 7,593
Related Party | Loans | ACP Re
Related Party Transaction
Interest rate on debt	3.70%
Maximum percent of interest that may be paid in kind	1.20%

Related Party Transactions Othe

Related Party Transactions Other Related Party Transactions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Related Party | Lease Agreement 59 Maiden Lane
Related Party Transaction
Related Party Transaction, Expenses from Transactions with Related Party	$ 830	$ 783
Related Party | Lease Agreement 30 North LaSalle
Related Party Transaction
Related Party Transaction, Expenses from Transactions with Related Party	302	297
Chief Executive Officer
Related Party Transaction
Aircraft Rental and Landing Fees	$ 29	$ 93

Commitments and Contingencies -

Commitments and Contingencies - Lease Commitments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Commitments and Contingencies Disclosure [Abstract]
Lease expense	$ 35,723	$ 35,435	$ 24,772
Operating Leases
2,019	32,056
2,020	26,583
2,021	20,993
2,022	16,571
2,023	14,237
Thereafter	40,777
Total	151,217
Capital Leases
2,019	11,146
2,020	10,951
2,021	5,990
2,022	959
2,023	640
Thereafter	660
Total	30,346
Total
2,019	43,202
2,020	37,534
2,021	26,983
2,022	17,530
2,023	14,877
Thereafter	41,437
Total	$ 181,563

Commitments and Contingencies_2

Commitments and Contingencies - Litigation (Details) $ in Thousands	Dec. 31, 2018USD ($)
Central District of California | Pending Litigation
Loss Contingencies [Line Items]
Probable net pre-tax impact of litigation	$ 10,000

Commitments and Contingencies_3

Commitments and Contingencies - Employment Agreements (Details) - Employment Agreements $ in Thousands	Dec. 31, 2018USD ($)
Amounts payable under employment agreements:
2,019	$ 4,928
2,020	2,186
2,021	990
2,022	990
2,023	355
Total	$ 9,449

Stockholders' Equity (Details)

Stockholders' Equity (Details) - USD ($) $ / shares in Units, $ in Thousands	Jul. 16, 2023	Jul. 15, 2023	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Jul. 15, 2023	Dec. 31, 2018	Nov. 19, 2018	Jul. 11, 2018	Dec. 31, 2017
Class of Stock [Line Items]
Common stock, issued							112,940,595			106,697,648
Preferred stock, shares issued							2,565,120			2,565,000
Preferred stock, par value							$ 0.01			$ 0.01
Preferred Stock, Value, Issued							$ 450,000			$ 420,000
Common stock
Class of Stock [Line Items]
Common stock, issued								5,750,000
Shares Issued, Price Per Share								$ 24
Common Stocks, Including Additional Paid in Capital, Net of Discount								$ 132,230
Common Stock, Discount on Shares								$ 5,770
Common stock | Series B Preferred Stock
Class of Stock [Line Items]
Preferred stock, shares issued				165,000
Preferred stock | Series A Preferred Stock
Class of Stock [Line Items]
Preferred stock, shares issued					2,200,000
Preferred stock, dividend rate, percentage					7.50%
Preferred stock, par value					$ 0.01
Preferred stock, liquidation preference per share				$ 25	$ 25
Preferred stock | American Depositary Shares
Class of Stock [Line Items]
Preferred stock, shares issued			8,000,000	6,600,000
Preferred stock, liquidation preference per share			$ 25	$ 25
Preferred stock | Series C Preferred Stock
Class of Stock [Line Items]
Preferred stock, shares issued			200,000
Preferred stock, dividend rate, percentage			7.50%
Preferred stock, par value			$ 0.01
Preferred stock, liquidation preference per share			$ 1,000
Preferred stock | Series B Preferred Stock
Class of Stock [Line Items]
Preferred stock, dividend rate, percentage				7.50%
Preferred stock, par value				$ 0.01
Preferred stock, liquidation preference per share				$ 1,000
Preferred stock | Series D Preferred Stock
Class of Stock [Line Items]
Preferred stock, shares issued									120
Preferred stock, par value									$ 0.01
Preferred stock, liquidation preference per share									$ 250,000
Preferred Stock, Value, Issued									$ 30,000
Subsequent Event | Preferred stock | Series D Preferred Stock
Class of Stock [Line Items]
Preferred stock, dividend rate, percentage	5.4941%					7.00%
Preferred Stock, Dividend Payment Rate, Variable	six-month LIBOR
Convertible Preferred Stock, Shares Issued upon Conversion		6,578.9474				6,578.9474
Preferred Stock, Redemption Price Per Share		$ 38				$ 38
Accumulated Earned Premium		$ 50,000

Benefits Plan (Details)

Benefits Plan (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Retirement Benefits [Abstract]
Contribution expense	$ 9,292	$ 8,049	$ 5,251

Statutory Financial Data, Ris_3

Statutory Financial Data, Risk-Based Capital and Dividends Restrictions - Statutory Financial Data (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)company	Dec. 31, 2016USD ($)
Statutory Accounting Practices
Statutory Capital and Surplus	$ 228,142	$ 316,548
Number of Domestic Property and Casualty Insurance Companies Acquired | company		7
Number of Domestic Life Insurance Companies Acquired | company		1
Reciprocal Exchanges
Statutory Accounting Practices
Statutory Capital and Surplus	124,942	$ 138,776
Statutory Net Income (Loss)	(24,357)	364	$ 23,884
Property and Casualty Domestic Entities
Statutory Accounting Practices
Statutory Capital and Surplus	1,359,042	1,329,301
Statutory Net Income (Loss)	23,539	190,607	67,831
Property and Casualty Foreign Entities
Statutory Accounting Practices
Statutory Capital and Surplus	656,205	686,784
Statutory Net Income (Loss)	47,411	(133,757)	6,470
Property and Casualty
Statutory Accounting Practices
Statutory Capital and Surplus	2,015,247	2,016,085
Statutory Net Income (Loss)	70,950	56,850	74,301
Life Insurance Domestic Entities
Statutory Accounting Practices
Statutory Capital and Surplus	41,939	36,326
Statutory Net Income (Loss)	8,919	10,148	6,259
Life Insurance Foreign Entities
Statutory Accounting Practices
Statutory Capital and Surplus	49,763	60,650
Statutory Net Income (Loss)	(2,526)	(19,456)	3,414
Life Insurance
Statutory Accounting Practices
Statutory Capital and Surplus	91,702	96,976
Statutory Net Income (Loss)	$ 6,393	$ (9,308)	$ 9,673

Statutory Financial Data, Ris_4

Statutory Financial Data, Risk-Based Capital and Dividends Restrictions - Dividend Restrictions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Insurance [Abstract]
Statutory Accounting Practices, Statutory Amount Available for Dividend Payments with Regulatory Approval	$ 287,896	$ 387,620
SEC Schedule, 12-04, Cash Dividends Paid to Registrant, Subsidiaries and Equity Method Investees	$ 156,660	$ 339,398	$ 29,500

Share-Based Compensation - Narr

Share-Based Compensation - Narrative (Details) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)plan$ / sharesshares	Dec. 31, 2017USD ($)$ / shares	Dec. 31, 2016USD ($)$ / shares
Share-based Compensation Arrangement by Share-based Payment Award
Number of equity incentive plans | plan	2
Share Price | $ / shares	$ 24.21
Options granted in period (in shares) | shares	0
Options, Forfeitures and Expirations in Period | shares	0
Intrinsic value of stock options exercised	$ 5,011	$ 1,782	$ 6,533
Fair value options vested in period	$ 783	$ 501	$ 1,847
Granted (in dollars per share) | $ / shares	$ 21.36	$ 24.06	$ 20.11
Share-based compensation expense	$ 9,020	$ 8,324	$ 8,221
Unrecognized compensation cost	$ 14,075
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition	1 year 6 months
Maximum
Share-based Compensation Arrangement by Share-based Payment Award
Exercise period upon end of employment	30 days
Employee Stock Option
Share-based Compensation Arrangement by Share-based Payment Award
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term	4 years
Maximum term	10 years
Employee Stock Option | Minimum
Share-based Compensation Arrangement by Share-based Payment Award
Award vesting period	1 year
Employee Stock Option | Maximum
Share-based Compensation Arrangement by Share-based Payment Award
Award vesting period	5 years
Restricted Stock Units (RSUs)
Share-based Compensation Arrangement by Share-based Payment Award
Share-based compensation arrangement by share-based payment award, equity instruments other than options, vested in period, fair value	$ 7,068	$ 3,661	$ 1,714
Restricted Stock Units (RSUs) | Minimum
Share-based Compensation Arrangement by Share-based Payment Award
Award vesting period	3 years
Restricted Stock Units (RSUs) | Maximum
Share-based Compensation Arrangement by Share-based Payment Award
Award vesting period	4 years
Common stock
Share-based Compensation Arrangement by Share-based Payment Award
Number of shares authorized | shares	7,435,000
Number of shares available | shares	521,311

Share-Based Compensation - Stoc

Share-Based Compensation - Stock Option Activity (Details) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)$ / sharesshares
Shares
Outstanding, beginning of year (in shares) | shares	3,450,585
Exercised (in shares) | shares	(266,233)
Outstanding, end of year (in shares) | shares	3,184,352
Weighted Average Exercise Price (in usd per share)
Outstanding at beginning of year (in dollars per share) | $ / shares	$ 9.37
Exercises in period, weighted average exercise price (in dollars per share) | $ / shares	7.43
Outstanding at end of year (in dollars per share) | $ / shares	$ 9.53
Employee Stock Option
Share-based Compensation Arrangement by Share-based Payment Award
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period	10 years
Shares
Exercisable shares | shares	3,184,352
Weighted Average Exercise Price (in usd per share)
Exercisable options, weighted average exercise price (in dollars per share) | $ / shares	$ 9.53
Options, outstanding, weighted average remaining contractual term (in years)	4 years
Options, exercisable, weighted average remaining contractual term (in years)	4 years
Options, outstanding, intrinsic value | $	$ 46,752
Options, exercisable, intrinsic value | $	$ 46,752
Minimum | Employee Stock Option
Weighted Average Exercise Price (in usd per share)
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	1 year
Minimum | Restricted Stock Units (RSUs)
Weighted Average Exercise Price (in usd per share)
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	3 years
Maximum | Employee Stock Option
Weighted Average Exercise Price (in usd per share)
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	5 years
Maximum | Restricted Stock Units (RSUs)
Weighted Average Exercise Price (in usd per share)
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	4 years

Share-Based Compensation - RSU

Share-Based Compensation - RSU Activity (Details) - $ / shares	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
RSUs
Non-vested at beginning of period (in shares)	845,459
Granted (in shares)	458,850
Vested (in shares)	(351,914)
Forfeited (in shares)	(13,600)
Non-vested at end of period (in shares)	938,795	845,459
Weighted Average Grant Date Fair Value
Non-vested at beginning of period (in dollars per share)	$ 21.83
Granted (in dollars per share)	21.36	$ 24.06	$ 20.11
Vested (in dollars per share)	20.08
Forfeited (in dollars per share)	19.92
Non-vested at end of period (in dollars per share)	$ 22.28	$ 21.83

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Earnings Per Share, Diluted
Net income attributable to NGHC	$ 26,216	$ 68,382	$ 44,548	$ 68,208	$ (2,055)	$ 57,645	$ 13,332	$ 36,923	$ 207,354	$ 105,845	$ 175,706
Dividends on preferred stock									(32,492)	(31,500)	(24,333)
Net income attributable to NGHC common stockholders	$ 17,349	$ 60,507	$ 36,673	$ 60,333	$ (9,930)	$ 49,770	$ 5,457	$ 29,048	174,862	74,345	151,373
Preferred stock dividends - convertible									992	0	0
Numerator for diluted EPS - after assumed conversions									$ 175,854	$ 74,345	$ 151,373
Denominator for basic EPS - weighted-average shares outstanding									107,659,813	106,588,402	105,951,752
Convertible preferred stock									789,473	0	0
Dilutive potential common shares									3,162,243	2,163,860	2,326,566
Denominator for diluted EPS - weighted-average shares outstanding and assumed conversions									110,822,056	108,752,262	108,278,318
Basic EPS	$ 0.16	$ 0.56	$ 0.34	$ 0.57	$ (0.09)	$ 0.47	$ 0.05	$ 0.27	$ 1.62	$ 0.70	$ 1.43
Diluted EPS	$ 0.16	$ 0.55	$ 0.34	$ 0.55	$ (0.09)	$ 0.46	$ 0.05	$ 0.27	$ 1.59	$ 0.68	$ 1.40
Preferred stock dividends - nonconvertible
Earnings Per Share, Diluted
Dividends on preferred stock									$ (31,500)	$ (31,500)	$ (24,333)
Preferred stock dividends - convertible
Earnings Per Share, Diluted
Dividends on preferred stock									$ (992)	$ 0	$ 0
Employee stock options
Earnings Per Share, Diluted
Share options									2,053,681	1,947,546	1,891,083
RSUs
Earnings Per Share, Diluted
Share options									319,089	216,314	435,483

Segment Information - Revenues

Segment Information - Revenues of Business Segments (Details) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018USD ($)	Sep. 30, 2018USD ($)	Jun. 30, 2018USD ($)	Mar. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Sep. 30, 2017USD ($)	Jun. 30, 2017USD ($)	Mar. 31, 2017USD ($)	Dec. 31, 2018USD ($)segment	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)
Segment Reporting [Abstract]
Number of business segments | segment									2
Underwriting revenues:
Gross premium written									$ 5,416,839	$ 4,755,985	$ 3,500,898
Ceded premiums									(1,589,126)	(1,178,390)	(428,202)
Net premium written									3,827,713	3,577,595	3,072,696
Change in unearned premium									(95,511)	76,581	(77,525)
Net earned premium									3,732,202	3,654,176	2,995,171
Ceding commission income									224,697	116,456	45,600
Service and fee income									561,583	502,927	380,817
Total underwriting revenue									4,518,482	4,273,559	3,421,588
Underwriting expenses:
Loss and loss adjustment expense									2,662,226	2,626,082	2,092,280
Acquisition costs and other underwriting expenses									735,266	672,429	497,007
General and administrative expenses									938,046	912,996	709,148
Total underwriting expenses									4,335,538	4,211,507	3,298,435
Underwriting income									182,944	62,052	123,153
Net investment income									119,034	101,950	115,187
Net gain on investments									(29,545)	46,763	7,904
Net gains on investments									(29,545)	46,763
Other income (expense)									0	(198)	24,308
Interest expense									(51,425)	(47,086)	(40,180)
Provision for income taxes	$ (15,223)	$ (15,518)	$ (6,541)	$ (16,202)	$ (20,522)	$ (18,475)	$ (11,487)	$ (10,789)	(53,484)	(61,273)	(33,998)
Net (income) loss attributable to non-controlling interest									39,830	3,637	(20,668)
Net income attributable to NGHC	$ 26,216	$ 68,382	$ 44,548	$ 68,208	$ (2,055)	$ 57,645	$ 13,332	$ 36,923	207,354	105,845	175,706
Operating Segments | Property and Casualty
Underwriting revenues:
Gross premium written									4,718,730	4,174,583	3,036,888
Ceded premiums									(1,517,556)	(1,132,284)	(382,860)
Net premium written									3,201,174	3,042,299	2,654,028
Change in unearned premium									(85,385)	78,594	(73,284)
Net earned premium									3,115,789	3,120,893	2,580,744
Ceding commission income									217,694	115,443	44,269
Service and fee income									375,603	348,313	241,881
Total underwriting revenue									3,709,086	3,584,649	2,866,894
Underwriting expenses:
Loss and loss adjustment expense									2,340,881	2,307,619	1,791,070
Acquisition costs and other underwriting expenses									550,540	517,550	394,277
General and administrative expenses									726,238	741,499	580,815
Total underwriting expenses									3,617,659	3,566,668	2,766,162
Underwriting income									91,427	17,981	100,732
Net investment income									0	0	0
Net gain on investments											0
Net gains on investments									0	0
Other income (expense)										0	0
Interest expense									0	0	0
Provision for income taxes									0	0	0
Net (income) loss attributable to non-controlling interest									0	0	0
Net income attributable to NGHC									91,427	17,981	100,732
Operating Segments | Accident and Health
Underwriting revenues:
Gross premium written									698,109	581,402	464,010
Ceded premiums									(71,570)	(46,106)	(45,342)
Net premium written									626,539	535,296	418,668
Change in unearned premium									(10,126)	(2,013)	(4,241)
Net earned premium									616,413	533,283	414,427
Ceding commission income									7,003	1,013	1,331
Service and fee income									185,980	154,614	138,936
Total underwriting revenue									809,396	688,910	554,694
Underwriting expenses:
Loss and loss adjustment expense									321,345	318,463	301,210
Acquisition costs and other underwriting expenses									184,726	154,879	102,730
General and administrative expenses									201,808	171,497	128,333
Total underwriting expenses									707,879	644,839	532,273
Underwriting income									101,517	44,071	22,421
Net investment income									0	0	0
Net gain on investments											0
Net gains on investments									0	0
Other income (expense)										0	0
Interest expense									0	0	0
Provision for income taxes									0	0	0
Net (income) loss attributable to non-controlling interest									0	0	0
Net income attributable to NGHC									101,517	44,071	22,421
Corporate Segment
Underwriting revenues:
Gross premium written									0	0	0
Ceded premiums									0	0	0
Net premium written									0	0	0
Change in unearned premium									0	0	0
Net earned premium									0	0	0
Ceding commission income									0	0	0
Service and fee income									0	0	0
Total underwriting revenue									0	0	0
Underwriting expenses:
Loss and loss adjustment expense									0	0	0
Acquisition costs and other underwriting expenses									0	0	0
General and administrative expenses									10,000	0	0
Total underwriting expenses									10,000	0	0
Underwriting income									(10,000)	0	0
Net investment income									119,034	101,950	115,187
Net gain on investments											7,904
Net gains on investments									(29,545)	46,763
Other income (expense)										(198)	24,308
Interest expense									(51,425)	(47,086)	(40,180)
Provision for income taxes									(53,484)	(61,273)	(33,998)
Net (income) loss attributable to non-controlling interest									39,830	3,637	(20,668)
Net income attributable to NGHC									$ 14,410	$ 43,793	$ 52,553

Segment Information - Long Live

Segment Information - Long Lived Assets and Total Assets of Business Segments (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Segment Reporting Information
Premiums and other receivables, net	$ 1,399,812	$ 1,324,321
Deferred acquisition costs	251,408	216,389
Reinsurance recoverable	1,611,738	1,294,165
Prepaid reinsurance premiums	665,674	517,122
Intangible assets, net and Goodwill	560,120	578,223
Prepaid and other assets	154,958	155,830
Corporate and other assets	4,795,570	4,353,693
Total assets	9,439,280	8,439,743
Operating Segments | Property and Casualty
Segment Reporting Information
Premiums and other receivables, net	1,245,530	1,177,350
Deferred acquisition costs	226,188	198,283
Reinsurance recoverable	1,585,008	1,284,325
Prepaid reinsurance premiums	665,660	517,122
Intangible assets, net and Goodwill	443,163	464,153
Prepaid and other assets	20,941	21,141
Corporate and other assets	0	0
Total assets	4,186,490	3,662,374
Operating Segments | Accident and Health
Segment Reporting Information
Premiums and other receivables, net	153,896	117,000
Deferred acquisition costs	25,220	18,106
Reinsurance recoverable	26,730	9,840
Prepaid reinsurance premiums	14	0
Intangible assets, net and Goodwill	116,957	114,070
Prepaid and other assets	22,472	35,608
Corporate and other assets	0	0
Total assets	345,289	294,624
Corporate Segment
Segment Reporting Information
Premiums and other receivables, net	386	29,971
Deferred acquisition costs	0	0
Reinsurance recoverable	0	0
Prepaid reinsurance premiums	0	0
Intangible assets, net and Goodwill	0	0
Prepaid and other assets	111,545	99,081
Corporate and other assets	4,795,570	4,353,693
Total assets	$ 4,907,501	$ 4,482,745

Segment Information - Schedule

Segment Information - Schedule of Revenue by Geographical Location (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Segment Reporting Information
Gross premium written	$ 5,416,839	$ 4,755,985	$ 3,500,898
Net premium written	3,827,713	3,577,595	3,072,696
Net earned premium	3,732,202	3,654,176	2,995,171
North America
Segment Reporting Information
Gross premium written	5,266,581	4,636,464	3,397,933
Net premium written	3,706,625	3,458,074	2,969,731
Net earned premium	3,621,147	3,537,566	2,897,639
Europe
Segment Reporting Information
Gross premium written	150,258	119,521	102,965
Net premium written	121,088	119,521	102,965
Net earned premium	111,055	116,610	97,532
Reciprocal Exchanges
Segment Reporting Information
Gross premium written	448,923	383,773	241,540
Net premium written	183,565	175,649	120,548
Net earned premium	186,761	169,871	110,395
Reciprocal Exchanges | North America
Segment Reporting Information
Gross premium written	448,923	383,773	241,540
Net premium written	183,565	175,649	120,548
Net earned premium	186,761	169,871	110,395
Reciprocal Exchanges | Europe
Segment Reporting Information
Gross premium written	0	0	0
Net premium written	0	0	0
Net earned premium	0	0	0
National General Holdings Corp. (NGHC), Excluding Reciprocals
Segment Reporting Information
Gross premium written	4,967,916	4,372,212	3,259,358
Net premium written	3,644,148	3,401,946	2,952,148
Net earned premium	3,545,441	3,484,305	2,884,776
National General Holdings Corp. (NGHC), Excluding Reciprocals | North America
Segment Reporting Information
Gross premium written	4,817,658	4,252,691	3,156,393
Net premium written	3,523,060	3,282,425	2,849,183
Net earned premium	3,434,386	3,367,695	2,787,244
National General Holdings Corp. (NGHC), Excluding Reciprocals | Europe
Segment Reporting Information
Gross premium written	150,258	119,521	102,965
Net premium written	121,088	119,521	102,965
Net earned premium	$ 111,055	$ 116,610	$ 97,532

Segment Information - Gross Pre

Segment Information - Gross Premium Written (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Segment Reporting Information
Gross premium written	$ 5,416,839	$ 4,755,985	$ 3,500,898
Reciprocal Exchanges
Segment Reporting Information
Gross premium written	448,923	383,773	241,540
National General Holdings Corp. (NGHC), Excluding Reciprocals
Segment Reporting Information
Gross premium written	4,967,916	4,372,212	3,259,358
Property and Casualty | Reciprocal Exchanges
Segment Reporting Information
Gross premium written	448,923	383,773	241,540
Property and Casualty | Reciprocal Exchanges | Personal Auto
Segment Reporting Information
Gross premium written	153,129	132,844	73,680
Property and Casualty | Reciprocal Exchanges | Homeowners
Segment Reporting Information
Gross premium written	291,907	247,460	161,510
Property and Casualty | Reciprocal Exchanges | Other
Segment Reporting Information
Gross premium written	3,887	3,469	6,350
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals
Segment Reporting Information
Gross premium written	4,269,807	3,790,810	2,795,348
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals | Personal Auto
Segment Reporting Information
Gross premium written	2,637,176	2,334,838	1,548,365
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals | Homeowners
Segment Reporting Information
Gross premium written	688,006	558,827	410,565
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals | RV/Packaged
Segment Reporting Information
Gross premium written	208,394	187,475	165,919
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals | Small Business Auto
Segment Reporting Information
Gross premium written	319,299	316,958	257,075
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals | Lender-placed insurance
Segment Reporting Information
Gross premium written	363,056	345,354	376,058
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals | Other
Segment Reporting Information
Gross premium written	53,876	47,358	37,366
Accident and Health | National General Holdings Corp. (NGHC), Excluding Reciprocals
Segment Reporting Information
Gross premium written	$ 698,109	$ 581,402	$ 464,010

Segment Information - Net Premi

Segment Information - Net Premium Written (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Segment Reporting Information
Net premium written	$ 3,827,713	$ 3,577,595	$ 3,072,696
Reciprocal Exchanges
Segment Reporting Information
Net premium written	183,565	175,649	120,548
National General Holdings Corp. (NGHC), Excluding Reciprocals
Segment Reporting Information
Net premium written	3,644,148	3,401,946	2,952,148
Property and Casualty | Reciprocal Exchanges
Segment Reporting Information
Net premium written	183,565	175,649	120,548
Property and Casualty | Reciprocal Exchanges | Personal Auto
Segment Reporting Information
Net premium written	61,759	68,292	44,661
Property and Casualty | Reciprocal Exchanges | Homeowners
Segment Reporting Information
Net premium written	120,875	105,536	71,367
Property and Casualty | Reciprocal Exchanges | Other
Segment Reporting Information
Net premium written	931	1,821	4,520
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals
Segment Reporting Information
Net premium written	3,017,609	2,866,650	2,533,480
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals | Personal Auto
Segment Reporting Information
Net premium written	2,016,858	1,824,932	1,380,125
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals | Homeowners
Segment Reporting Information
Net premium written	331,120	275,013	369,810
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals | RV/Packaged
Segment Reporting Information
Net premium written	206,740	185,993	165,025
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals | Small Business Auto
Segment Reporting Information
Net premium written	233,456	246,072	234,101
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals | Lender-placed insurance
Segment Reporting Information
Net premium written	202,069	313,124	363,896
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals | Other
Segment Reporting Information
Net premium written	27,366	21,516	20,523
Accident and Health | National General Holdings Corp. (NGHC), Excluding Reciprocals
Segment Reporting Information
Net premium written	$ 626,539	$ 535,296	$ 418,668

Segment Information - Net Earne

Segment Information - Net Earned Premium (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Segment Reporting Information
Net earned premium	$ 3,732,202	$ 3,654,176	$ 2,995,171
Reciprocal Exchanges
Segment Reporting Information
Net earned premium	186,761	169,871	110,395
National General Holdings Corp. (NGHC), Excluding Reciprocals
Segment Reporting Information
Net earned premium	3,545,441	3,484,305	2,884,776
Property and Casualty | Reciprocal Exchanges
Segment Reporting Information
Net earned premium	186,761	169,871	110,395
Property and Casualty | Reciprocal Exchanges | Personal Auto
Segment Reporting Information
Net earned premium	59,923	66,565	42,225
Property and Casualty | Reciprocal Exchanges | Homeowners
Segment Reporting Information
Net earned premium	125,806	101,648	61,748
Property and Casualty | Reciprocal Exchanges | Other
Segment Reporting Information
Net earned premium	1,032	1,658	6,422
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals
Segment Reporting Information
Net earned premium	2,929,028	2,951,022	2,470,349
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals | Personal Auto
Segment Reporting Information
Net earned premium	1,927,667	1,828,304	1,292,563
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals | Homeowners
Segment Reporting Information
Net earned premium	329,850	349,709	353,228
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals | RV/Packaged
Segment Reporting Information
Net earned premium	197,258	175,888	158,256
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals | Small Business Auto
Segment Reporting Information
Net earned premium	237,587	251,576	217,919
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals | Lender-placed insurance
Segment Reporting Information
Net earned premium	215,811	321,995	422,645
Property and Casualty | National General Holdings Corp. (NGHC), Excluding Reciprocals | Other
Segment Reporting Information
Net earned premium	20,855	23,550	25,738
Accident and Health | National General Holdings Corp. (NGHC), Excluding Reciprocals
Segment Reporting Information
Net earned premium	$ 616,413	$ 533,283	$ 414,427

Selected Quarterly Financial _3

Selected Quarterly Financial Data (Unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Quarterly Financial Information Disclosure [Abstract]
Total revenues	$ 1,186,765	$ 1,168,843	$ 1,135,106	$ 1,117,257	$ 1,066,744	$ 1,105,783	$ 1,147,693	$ 1,101,854	$ 4,607,971	$ 4,422,074	$ 3,568,987
Total expenses	1,153,177	1,097,096	1,091,655	1,045,035	1,046,941	1,028,352	1,123,033	1,060,267	4,386,963	4,258,593	3,338,615
Provision for income taxes	15,223	15,518	6,541	16,202	20,522	18,475	11,487	10,789	53,484	61,273	33,998
Net income	18,365	56,229	36,910	56,020	(719)	58,956	13,173	30,798	167,524	102,208	196,374
Net income attributable to NGHC	26,216	68,382	44,548	68,208	(2,055)	57,645	13,332	36,923	207,354	105,845	175,706
Net income attributable to NGHC common stockholders	$ 17,349	$ 60,507	$ 36,673	$ 60,333	$ (9,930)	$ 49,770	$ 5,457	$ 29,048	$ 174,862	$ 74,345	$ 151,373
Basic EPS	$ 0.16	$ 0.56	$ 0.34	$ 0.57	$ (0.09)	$ 0.47	$ 0.05	$ 0.27	$ 1.62	$ 0.70	$ 1.43
Diluted EPS	$ 0.16	$ 0.55	$ 0.34	$ 0.55	$ (0.09)	$ 0.46	$ 0.05	$ 0.27	$ 1.59	$ 0.68	$ 1.40

Schedule I - Summary of Inves_2

Schedule I - Summary of Investments Other than Investments in Related Parties (Details) $ in Thousands	Dec. 31, 2018USD ($)
Investments, excluding Equity Investments In Unconsolidated Subsidiaries
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	$ 4,066,924
Value	3,993,083
Amount at which shown in the Balance Sheet	3,993,083
Total Debt Securities
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	3,634,861
Value	3,581,284
Amount at which shown in the Balance Sheet	3,581,284
U.S. government and government agencies and authorities
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	102,671
Value	103,068
Amount at which shown in the Balance Sheet	103,068
States and political subdivision bonds
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	274,367
Value	272,197
Amount at which shown in the Balance Sheet	272,197
Foreign governments
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	151,443
Value	152,366
Amount at which shown in the Balance Sheet	152,366
Public utilities
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	28,161
Value	28,008
Amount at which shown in the Balance Sheet	28,008
All other corporate bonds
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	3,057,967
Value	3,005,393
Amount at which shown in the Balance Sheet	3,005,393
Long-term Certificates of Deposit (CDs), at cost
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	20,252
Value	20,252
Amount at which shown in the Balance Sheet	20,252
Total Equity Securities
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	31,213
Value	10,949
Amount at which shown in the Balance Sheet	10,949
Industrial, miscellaneous and all other
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	31,213
Value	10,949
Amount at which shown in the Balance Sheet	10,949
Other investments
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	52,301
Value	52,301
Amount at which shown in the Balance Sheet	52,301
Other Short-term Investments
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	348,549
Value	348,549
Amount at which shown in the Balance Sheet	$ 348,549

Schedule II - Condensed Finan_2

Schedule II - Condensed Financial Information of Registrant - Balance Sheets - Parent Company Only (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Investments:
Debt securities, available-for-sale, at fair value	$ 3,561,032	$ 3,139,889
Short-term investments (Exchanges - $17,328 and $22,279)	348,549	38,266
Other investments	306,276	421,292
Total investments	4,226,806	3,649,788
Cash and cash equivalents	193,858	292,282
Accrued investment income	27,177	22,372
Prepaid and other assets	154,958	155,830
Total assets	9,439,280	8,439,743
Liabilities:
Accounts payable and accrued expenses (related parties - $69,874 and $140,057) (Exchanges - $7,720 and $8,827)	398,058	399,334
Debt	675,449	713,710
Other liabilities (Exchanges - $61,640 and $41,582)	270,750	279,065
Total liabilities	7,238,409	6,486,318
Stockholders’ equity:
Total stockholders’ equity	2,200,871	1,953,425	$ 1,917,358	$ 1,527,158
Total liabilities and stockholders’ equity	9,439,280	8,439,743
Parent Company
Investments:
Debt securities, available-for-sale, at fair value	78,365	27,538
Short-term investments (Exchanges - $17,328 and $22,279)	117,135	0
Other investments	4,310	4,250
Equity investment in unconsolidated subsidiaries	2,491,024	2,471,989
Total investments	2,690,834	2,503,777
Cash and cash equivalents	3,956	4,029	$ 23,609	$ 16,642
Accrued investment income	728	228
Software, Net	172,943	186,716
Prepaid and other assets	30,688	41,034
Total assets	2,899,149	2,735,784
Liabilities:
Accounts payable and accrued expenses (related parties - $69,874 and $140,057) (Exchanges - $7,720 and $8,827)	94,997	149,817
Debt	603,281	632,542
Total liabilities	698,278	782,359
Stockholders’ equity:
Total stockholders’ equity	2,200,871	1,953,425
Total liabilities and stockholders’ equity	$ 2,899,149	$ 2,735,784

Schedule II - Condensed Finan_3

Schedule II - Condensed Financial Information of Registrant - Balance Sheets - Parent Company Only Parenthetical (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Condensed Financial Statements, Captions
Debt securities, available-for-sale, amortized cost	$ 3,614,609	$ 3,139,791
Parent Company
Condensed Financial Statements, Captions
Debt securities, available-for-sale, amortized cost	$ 79,454	$ 27,695

Schedule II - Condensed Finan_4

Schedule II - Condensed Financial Information of Registrant - Statements of Comprehensive Income - Parent Company Only (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Income:
Service and fee income									$ 561,583	$ 502,927	$ 380,817
Investment income									119,034	101,950	115,187
Net realized gain (loss) on investments									(29,545)	46,788	30,006
Total revenues	$ 1,186,765	$ 1,168,843	$ 1,135,106	$ 1,117,257	$ 1,066,744	$ 1,105,783	$ 1,147,693	$ 1,101,854	4,607,971	4,422,074	3,568,987
Expenses:
Interest expense									51,425	47,086	40,180
Other (income) expense, net									0	198	(24,308)
Total expenses	1,153,177	1,097,096	1,091,655	1,045,035	1,046,941	1,028,352	1,123,033	1,060,267	4,386,963	4,258,593	3,338,615
Income before provision for income taxes									221,008	163,481	230,372
Provision for income taxes	15,223	15,518	6,541	16,202	20,522	18,475	11,487	10,789	53,484	61,273	33,998
Net income attributable to NGHC	26,216	68,382	44,548	68,208	(2,055)	57,645	13,332	36,923	207,354	105,845	175,706
Dividends on preferred stock									(32,492)	(31,500)	(24,333)
Net income attributable to NGHC common stockholders	$ 17,349	$ 60,507	$ 36,673	$ 60,333	$ (9,930)	$ 49,770	$ 5,457	$ 29,048	174,862	74,345	151,373
Other comprehensive income:
Other comprehensive income (loss), net of tax									(49,047)	(22,708)	32,343
Comprehensive income attributable to NGHC									163,300	86,258	206,595
Parent Company
Income:
Service and fee income									44,932	9,256	0
Investment income									1,205	3,004	8,777
Net realized gain (loss) on investments									(1,571)	4,032	793
Equity in undistributed net income of subsidiaries and partially-owned companies									232,101	116,367	218,639
Total revenues									276,667	132,659	228,209
Expenses:
Interest expense									39,380	40,954	38,817
Other (income) expense, net									30,847	7,236	(4,246)
Total expenses									70,227	48,190	34,571
Income before provision for income taxes									206,440	84,469	193,638
Provision for income taxes									(914)	(21,376)	17,932
Net income attributable to NGHC									207,354	105,845	175,706
Dividends on preferred stock									(32,492)	(31,500)	(24,333)
Net income attributable to NGHC common stockholders									174,862	74,345	151,373
Other comprehensive income:
Other comprehensive income (loss), net of tax									(44,054)	(19,587)	30,889
Comprehensive income attributable to NGHC									$ 163,300	$ 86,258	$ 206,595

Schedule II - Condensed Finan_5

Schedule II - Condensed Financial Information of Registrant - Statements of Cash Flows - Parent Company Only (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Condensed Financial Statements, Captions
Net income	$ 18,365	$ 56,229	$ 36,910	$ 56,020	$ (719)	$ 58,956	$ 13,173	$ 30,798	$ 167,524	$ 102,208	$ 196,374
Adjustments to reconcile net income to cash provided by (used in) operating activities:
Net (gain) loss on investments									29,545	(46,763)	(7,904)
Depreciation, amortization and goodwill impairment									86,346	103,303	92,035
Stock-compensation expense									9,020	8,324	8,221
Changes in assets and liabilities:
Accrued interest									(7,568)	5,129	(8,627)
Other liabilities									(6,601)	120,621	41,296
Net cash provided by operating activities									598,133	317,301	318,146
Cash flows from investing activities:
Debt securities, available-for-sale									(1,802,668)	(1,927,018)	(686,095)
Short-term investments									(2,919,422)	(5,728,031)	(177,628)
Premises and equipment									(102,390)	(95,668)	(34,640)
Sale and maturity of debt securities, available-for-sale									1,325,024	1,844,699	672,691
Sale of short-term investments									2,610,788	5,707,331	165,075
Acquisition of consolidated subsidiaries, net of cash									(13,453)	(19,376)	(275,685)
Net cash used in investing activities									(790,774)	(171,472)	(462,041)
Cash flows from financing activities:
Securities sold under agreements to repurchase, net									0	0	(52,484)
Proceeds from debt									0	140,000	50,000
Repayments of debt and purchase of non-controlling interests									(39,000)	(172,839)	(18,150)
Issuance of common stock — employee share options									1,978	1,259	5,140
Net cash provided by (used in) financing activities									73,463	(81,903)	152,704
Cash, cash equivalents, and restricted cash at beginning of the year				292,282					292,282
Cash, cash equivalents, and restricted cash at end of the year	193,858				292,282				193,858	292,282
Parent Company
Condensed Financial Statements, Captions
Net income									207,354	105,845	175,706
Adjustments to reconcile net income to cash provided by (used in) operating activities:
Net (gain) loss on investments									1,571	(4,032)	(793)
Depreciation, amortization and goodwill impairment									20,668	4,799	0
Net amortization of premium (discount) on fixed maturities									581	842	1,008
Stock-compensation expense									9,020	8,324	8,221
Equity in undistributed net income of subsidiaries and partially-owned companies									(232,101)	(116,367)	(230,279)
Changes in assets and liabilities:
Accrued interest									(500)	6	624
Other assets									23,334	(13,007)	(23,966)
Other liabilities									8,993	(6,057)	14,098
Net cash provided by operating activities									38,920	(19,647)	(55,381)
Cash flows from investing activities:
Debt securities, available-for-sale									(70,308)	(235,837)	(478,502)
Short-term investments									(342,137)	0	0
Premises and equipment									(73,563)	(58,181)	0
Sale and maturity of debt securities, available-for-sale									18,260	250,102	672,323
Sale of short-term investments									225,395	0	0
Investment in subsidiaries									130,772	126,051	(297,164)
Acquisition of consolidated subsidiaries, net of cash									(9,875)	(210)	0
Net cash used in investing activities									(121,456)	81,925	(103,343)
Cash flows from financing activities:
Securities sold under agreements to repurchase, net									0	0	(52,484)
Proceeds from debt									0	140,000	50,000
Repayments of debt and purchase of non-controlling interests									(30,000)	(172,794)	(150)
Issuances of common and preferred stock, net of fees									162,120	0	198,460
Issuance of common stock — employee share options									1,978	1,259	5,140
Taxes paid related to net share settlement of equity awards									(3,024)	(1,773)	(919)
Dividends paid to common and preferred shareholders									(48,611)	(48,550)	(34,356)
Net cash provided by (used in) financing activities									82,463	(81,858)	165,691
Net increase (decrease) in cash, cash equivalents, and restricted cash									(73)	(19,580)	6,967
Cash, cash equivalents, and restricted cash at beginning of the year				$ 4,029				$ 23,609	4,029	23,609	16,642
Cash, cash equivalents, and restricted cash at end of the year	$ 3,956				$ 4,029				$ 3,956	$ 4,029	$ 23,609

Schedule III - Supplementary _2

Schedule III - Supplementary Insurance Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Supplementary Insurance Information, by Segment
Deferred Acquisition Costs	$ 251,408	$ 216,389	$ 220,922
Unpaid Loss and Loss Adjustment Expense Reserves	2,957,159	2,663,557	2,273,866
Unearned Premiums	2,156,837	1,923,585	1,635,625
Net Earned Premium	3,732,202	3,654,176	2,995,171
Net Investment Income	119,034	101,950	115,187
Loss and Loss Adjustment Expense Incurred	2,662,226	2,626,082	2,092,280
Deferred Acquisition Costs Amortization	510,793	509,889	411,001
Other Operating Expenses	224,473	162,540	86,006
Net Written Premium	3,827,713	3,577,595	3,072,696
Operating Segments | Property and Casualty
Supplementary Insurance Information, by Segment
Deferred Acquisition Costs	226,188	198,283	207,597
Unpaid Loss and Loss Adjustment Expense Reserves	2,685,879	2,413,904	2,073,466
Unearned Premiums	2,120,283	1,886,359	1,613,213
Net Earned Premium	3,115,789	3,120,893	2,580,744
Net Investment Income	0	0	0
Loss and Loss Adjustment Expense Incurred	2,340,881	2,307,619	1,791,070
Deferred Acquisition Costs Amortization	495,009	487,740	365,802
Other Operating Expenses	55,531	29,810	28,475
Net Written Premium	3,201,174	3,042,299	2,654,028
Operating Segments | Accident and Health
Supplementary Insurance Information, by Segment
Deferred Acquisition Costs	25,220	18,106	13,325
Unpaid Loss and Loss Adjustment Expense Reserves	271,280	249,653	200,400
Unearned Premiums	36,554	37,226	22,412
Net Earned Premium	616,413	533,283	414,427
Net Investment Income	0	0	0
Loss and Loss Adjustment Expense Incurred	321,345	318,463	301,210
Deferred Acquisition Costs Amortization	15,784	22,149	45,199
Other Operating Expenses	168,942	132,730	57,531
Net Written Premium	626,539	535,296	418,668
Corporate Segment
Supplementary Insurance Information, by Segment
Deferred Acquisition Costs	0	0	0
Unpaid Loss and Loss Adjustment Expense Reserves	0	0	0
Unearned Premiums	0	0	0
Net Earned Premium	0	0	0
Net Investment Income	119,034	101,950	115,187
Loss and Loss Adjustment Expense Incurred	0	0	0
Deferred Acquisition Costs Amortization	0	0	0
Other Operating Expenses	0	0	0
Net Written Premium	$ 0	$ 0	$ 0

Schedule IV - Reinsurance (Deta

Schedule IV - Reinsurance (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Premiums:
Gross Amount	$ 5,049,512	$ 4,233,184	$ 2,718,103
Ceded to Other Companies	(1,440,575)	(818,238)	(410,761)
Assumed from Other Companies	123,265	239,230	687,829
Net earned premium	$ 3,732,202	$ 3,654,176	$ 2,995,171
Percent of Amount Assumed to Net	3.30%	6.50%	23.00%

Schedule V - Valuation and Qu_2

Schedule V - Valuation and Qualifying Accounts (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Allowance for uncollectible accounts
Movement in Valuation Allowances and Reserves
Balance at beginning of the year	$ 18,546	$ 16,219	$ 13,433
Charge (Benefit) to costs and expenses	74,214	63,819	35,356
Charge to other accounts	0	0	0
Additions (Deductions)	(72,552)	(61,492)	(32,570)
Balance at end of the year	20,208	18,546	16,219
Valuation allowance for deferred taxes
Movement in Valuation Allowances and Reserves
Balance at beginning of the year	5,410	7,135	17,295
Charge (Benefit) to costs and expenses	54,934	(1,725)	(10,160)
Charge to other accounts	0	0	0
Additions (Deductions)	0	0	0
Balance at end of the year	$ 60,344	$ 5,410	$ 7,135

Schedule VI - Supplemental In_2

Schedule VI - Supplemental Information Concerning Property-Casualty Insurance Operations (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters [Abstract]
Losses and Loss Adjustment Expenses Incurred Related to Current Year	$ 2,696,260	$ 2,618,733	$ 2,078,742
Losses and Loss Adjustment Expenses Incurred Related to Prior Years	(34,034)	7,349	13,538
Paid Losses and Loss Adjustment Expenses	$ 2,515,237	$ 2,491,881	$ 1,926,797