National General (NTTNP) 10-K 20 Feb 20 2019 FY Annual report Financial data

Cover Page

Cover Page - USD ($)	12 Months Ended
	Dec. 31, 2019	Feb. 18, 2020	Jun. 28, 2019
Document Information
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2019
Document Transition Report	false
Entity File Number	001-36311
Entity Registrant Name	NATIONAL GENERAL HOLDINGS CORP.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	27-1046208
Entity Address, Address Line One	59 Maiden Lane
Entity Address, Address Line Two	38th Floor
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	10038
City Area Code	212
Local Phone Number	380-9500
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Public Float			$ 1,510,076,014
Entity Common Stock, Shares Outstanding		113,474,549
Documents Incorporated by Reference	Portions of the Proxy Statement for the 2020 Annual Meeting of Shareholders of the Registrant to be filed subsequently with the SEC are incorporated by reference into Part III of this report.
Amendment Flag	false
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Entity Central Index Key	0001578735
Current Fiscal Year End Date	--12-31
Entity Address, City or Town	New York
Common Stock, par value $0.01 per share
Document Information
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	NGHC
Security Exchange Name	NASDAQ
7.50% Non-Cumulative Preferred Stock, Series A
Document Information
Title of 12(b) Security	7.50% Non-Cumulative Preferred Stock, Series A
Trading Symbol	NGHCP
Security Exchange Name	NASDAQ
Depositary Shares, Representing 1/40th of a Share of 7.50% Non-Cumulative Preferred Stock, Series B
Document Information
Title of 12(b) Security	Depositary Shares, Representing 1/40th of a Share of 7.50% Non-Cumulative Preferred Stock, Series B
Trading Symbol	NGHCO
Security Exchange Name	NASDAQ
Depositary Shares, Representing 1/40th of a Share of 7.50% Non-Cumulative Preferred Stock, Series C
Document Information
Title of 12(b) Security	Depositary Shares, Representing 1/40th of a Share of 7.50% Non-Cumulative Preferred Stock, Series C
Trading Symbol	NGHCN
Security Exchange Name	NASDAQ
7.625% Subordinated Notes due 2055
Document Information
Title of 12(b) Security	7.625% Subordinated Notes due 2055
Trading Symbol	NGHCZ
Security Exchange Name	NASDAQ

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Investments:
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	$ 4,476,358	$ 3,561,032
Equity securities, at fair value	5,257	10,949
Short-term investments (Exchanges - $5,245 and $17,328)	67,353	348,549
Other investments (related parties - $238,841 and $233,723)	306,030	306,276
Total investments	4,854,998	4,226,806
Cash and cash equivalents (Exchanges - $959 and $0)	135,942	193,858
Restricted cash and cash equivalents (Exchanges - $24 and $200)	28,521	39,725
Accrued investment income (related parties - $2,391 and $2,362) (Exchanges - $2,001 and $1,596)	30,927	27,177
Premiums and other receivables, net (Exchanges - $55,859 and $61,327)	1,428,948	1,399,812
Deferred acquisition costs (Exchanges - $23,307 and $20,007)	263,523	251,408
Reinsurance recoverable (related parties - $0 and $7,425) (Exchanges - $119,125 and $117,068)	1,394,308	1,611,738
Prepaid reinsurance premiums (Exchanges - $105,894 and $136,433)	575,747	665,674
Property and equipment, net (Exchanges - $241 and $1,695)	403,827	308,004
Intangible assets, net (Exchanges - $3,225 and $3,405)	365,823	379,937
Goodwill	179,328	180,183
Prepaid and other assets (Exchanges - $3,521 and $4,581)	94,642	154,958
Total assets	9,756,534	9,439,280
Liabilities:
Unpaid loss and loss adjustment expense reserves (Exchanges - $205,786 and $178,470)	2,886,414	2,957,159
Unearned premiums and other revenue (Exchanges - $252,553 and $265,763)	2,312,241	2,280,728
Reinsurance payable (Exchanges - $35,689 and $40,393)	562,844	656,265
Accounts payable and accrued expenses (related parties - $639 and $69,874) (Exchanges - $8,497 and $7,720)	315,366	398,058
Debt	686,006	705,795
Other liabilities (Exchanges - $30,803 and $61,640)	376,169	240,404
Total liabilities	7,139,040	7,238,409
Commitments and contingencies (Note 14)
Stockholders’ equity:
Common stock, $0.01 par value - authorized 150,000,000 shares, issued and outstanding 113,368,811 shares - 2019; authorized 150,000,000 shares, issued and outstanding 112,940,595 shares - 2018.	1,134	1,129
Preferred stock, $0.01 par value - authorized 10,000,000 shares, issued and outstanding 2,565,120 shares - 2019; authorized 10,000,000 shares, issued and outstanding 2,565,120 shares - 2018. Aggregate liquidation preference $450,000 - 2019, $450,000 - 2018.	450,000	450,000
Additional paid-in capital	1,065,634	1,057,783
Accumulated other comprehensive income:
Unrealized foreign currency translation adjustment, net of tax	(202)	(14,461)
Unrealized gains (losses) on investments, net of tax	74,750	(37,669)
Total accumulated other comprehensive income (loss)	74,548	(52,130)
Retained earnings	1,058,138	764,056
Total National General Holdings Corp. Stockholders’ Equity	2,649,454	2,220,838
Noncontrolling interest	(31,960)	(19,967)
Total stockholders’ equity	2,617,494	2,200,871
Total liabilities and stockholders’ equity	9,756,534	9,439,280
Reciprocal Exchanges
Investments:
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	324,249	297,083
Equity securities, at fair value	0	0
Short-term investments (Exchanges - $5,245 and $17,328)	5,245	17,328
Cash and cash equivalents (Exchanges - $959 and $0)	959	0
Restricted cash and cash equivalents (Exchanges - $24 and $200)	24	200
Accrued investment income (related parties - $2,391 and $2,362) (Exchanges - $2,001 and $1,596)	2,001	1,596
Premiums and other receivables, net (Exchanges - $55,859 and $61,327)	55,859	61,327
Deferred acquisition costs (Exchanges - $23,307 and $20,007)	23,307	20,007
Reinsurance recoverable (related parties - $0 and $7,425) (Exchanges - $119,125 and $117,068)	119,125	117,068
Prepaid reinsurance premiums (Exchanges - $105,894 and $136,433)	105,894	136,433
Property and equipment, net (Exchanges - $241 and $1,695)	241	1,695
Intangible assets, net (Exchanges - $3,225 and $3,405)	3,225	3,405
Prepaid and other assets (Exchanges - $3,521 and $4,581)	3,521	4,581
Liabilities:
Unpaid loss and loss adjustment expense reserves (Exchanges - $205,786 and $178,470)	205,786	178,470
Unearned premiums and other revenue (Exchanges - $252,553 and $265,763)	252,553	265,763
Reinsurance payable (Exchanges - $35,689 and $40,393)	35,689	40,393
Accounts payable and accrued expenses (related parties - $639 and $69,874) (Exchanges - $8,497 and $7,720)	8,497	7,720
Other liabilities (Exchanges - $30,803 and $61,640)	$ 30,803	$ 61,640

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Investments:
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	$ 4,476,358	$ 3,561,032
Short-term investments (Exchanges - $5,245 and $17,328)	67,353	348,549
Other investments	306,030	306,276
Cash and cash equivalents	135,942	193,858
Restricted cash and cash equivalents	28,521	39,725
Accrued investment income	30,927	27,177
Premiums and other receivables, net	1,428,948	1,399,812
Deferred acquisition costs	263,523	251,408
Reinsurance recoverable	1,394,308	1,611,738
Prepaid reinsurance premiums	575,747	665,674
Premises and equipment, net	403,827	308,004
Intangible assets, net	365,823	379,937
Prepaid and other assets (Exchanges - $3,521 and $4,581)	94,642	154,958
Liabilities:
Unpaid loss and loss adjustment expense reserves	2,886,414	2,957,159
Unearned premiums and other revenue	2,312,241	2,280,728
Reinsurance payable	562,844	656,265
Accounts payable and accrued expenses	315,366	398,058
Other liabilities	$ 376,169	$ 240,404
Stockholders’ equity:
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	150,000,000	150,000,000
Common stock, issued (in shares)	113,368,811	112,940,595
Common stock, outstanding (in shares)	113,368,811	112,940,595
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	10,000,000	10,000,000
Shares of preferred stock issued (in shares)	2,565,120	2,565,120
Preferred stock, shares outstanding (in shares)	2,565,120	2,565,120
Preferred stock, $0.01 par value - authorized 10,000,000 shares, issued and outstanding 2,565,120 shares - 2019; authorized 10,000,000 shares, issued and outstanding 2,565,120 shares - 2018. Aggregate liquidation preference $450,000 - 2019, $450,000 - 2018.	$ 450,000	$ 450,000
Aggregate liquidation preference	450,000	450,000
Related Party
Investments:
Other investments	238,841	233,723
Accrued investment income	2,391	2,362
Reinsurance recoverable	0	7,425
Liabilities:
Accounts payable and accrued expenses	639	69,874
Reciprocal Exchanges
Investments:
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	324,249	297,083
Short-term investments (Exchanges - $5,245 and $17,328)	5,245	17,328
Cash and cash equivalents	959	0
Restricted cash and cash equivalents	24	200
Accrued investment income	2,001	1,596
Premiums and other receivables, net	55,859	61,327
Deferred acquisition costs	23,307	20,007
Reinsurance recoverable	119,125	117,068
Prepaid reinsurance premiums	105,894	136,433
Premises and equipment, net	241	1,695
Intangible assets, net	3,225	3,405
Prepaid and other assets (Exchanges - $3,521 and $4,581)	3,521	4,581
Liabilities:
Unpaid loss and loss adjustment expense reserves	205,786	178,470
Unearned premiums and other revenue	252,553	265,763
Reinsurance payable	35,689	40,393
Accounts payable and accrued expenses	8,497	7,720
Other liabilities	$ 30,803	$ 61,640

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Revenues:
Net earned premium	$ 4,118,042	$ 3,732,202	$ 3,654,176
Ceding commission income	238,453	224,697	116,456
Service and fee income	641,965	561,583	502,927
Net investment income	141,233	119,034	101,950
Net gain (loss) on investments	13,473	(29,545)	46,763
Other income (expense)	26,428	0	(198)
Total revenues	5,179,594	4,607,971	4,422,074
Expenses:
Loss and loss adjustment expense	2,854,468	2,662,226	2,626,082
Acquisition costs and other underwriting expenses	827,367	735,266	672,429
General and administrative expenses	1,041,772	938,046	912,996
Interest expense	51,544	51,425	47,086
Total expenses	4,775,151	4,386,963	4,258,593
Income before provision for income taxes	404,443	221,008	163,481
Provision for income taxes	77,013	53,484	61,273
Net income	327,430	167,524	102,208
Net loss attributable to noncontrolling interest	20,639	39,830	3,637
Net income attributable to NGHC	348,069	207,354	105,845
Dividends on preferred stock	(33,600)	(32,492)	(31,500)
Net income attributable to NGHC common stockholders	$ 314,469	$ 174,862	$ 74,345
Earnings per common share (“EPS”):
Basic EPS (in dollars per share)	$ 2.78	$ 1.62	$ 0.70
Diluted EPS (in dollars per share)	$ 2.73	$ 1.59	$ 0.68

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Statement of Comprehensive Income [Abstract]
Net income	$ 327,430	$ 167,524	$ 102,208
Other comprehensive income:
Foreign currency translation adjustment	18,055	(8,425)	(6,317)
Income tax effect	(3,796)	1,774	827
Total foreign currency translation adjustment, net of tax	14,259	(6,651)	(5,490)
Gross unrealized gain (loss) on investments before reclassifications	172,968	(71,936)	41,477
Income tax effect	(36,323)	15,107	(8,710)
Total change in net unrealized gain (loss) on investments, net of tax	136,645	(56,829)	32,767
Net realized (gain) loss on investments	(19,721)	18,270	(63,298)
Other-than-temporary impairment loss	0	0	25
Income tax effect	4,141	(3,837)	13,288
Total (gain) loss on investments reclassifications to net income, net of tax	(15,580)	14,433	(49,985)
Other comprehensive income (loss) before income tax effect	171,302	(62,091)	(28,113)
Income tax effect	(35,978)	13,044	5,405
Other comprehensive income (loss), net of tax	135,324	(49,047)	(22,708)
Comprehensive income	462,754	118,477	79,500
Comprehensive loss attributable to noncontrolling interest	11,993	44,823	6,758
Comprehensive income attributable to NGHC	$ 474,747	$ 163,300	$ 86,258

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Total	Preferred stock Series D	Common stock	Preferred stock	Preferred stockPreferred stock Series D	Additional Paid-in Capital	Additional Paid-in CapitalPreferred stock Series D	Accumulated Other Comprehensive Income (Loss)	Retained Earnings	Non-controlling Interest
Beginning balance (in shares) at Dec. 31, 2016			106,428,092
Beginning balance at Dec. 31, 2016			$ 1,064
Beginning balance (in shares) at Dec. 31, 2016				2,565,000
Beginning balance at Dec. 31, 2016				$ 420,000
Beginning balance at Dec. 31, 2016	$ 1,917,358					$ 913,787		$ 11,475	$ 539,114	$ 31,918
Increase (Decrease) in Stockholders' Equity
Net income (loss)	102,208								105,845	(3,637)
Foreign currency translation adjustment, net of tax	(5,490)							(5,490)
Change in unrealized loss on investments, net of tax	(17,218)							(14,097)		(3,121)
Purchase of noncontrolling interest	(4,086)					(3,843)				(243)
Common stock dividends declared	(17,034)								(17,034)
Preferred stock dividends declared	(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	1,259		$ 3			1,256
Shares withheld related to net share settlement (in shares)			(78,253)
Shares withheld related to net share settlement	(1,773)					(1,773)
Stock-based compensation	8,324					8,324
Ending balance (in shares) at Dec. 31, 2017			106,697,648
Ending balance at Dec. 31, 2017			$ 1,067
Ending balance (in shares) at Dec. 31, 2017				2,565,000
Ending balance at Dec. 31, 2017				$ 420,000
Ending balance at Dec. 31, 2017	1,953,425					917,751		(8,112)	597,863	24,856
Increase (Decrease) in Stockholders' Equity
Net income (loss)	167,524								207,354	(39,830)
Foreign currency translation adjustment, net of tax	(6,651)							(6,651)
Change in unrealized loss on investments, net of tax	(42,396)							(37,403)		(4,993)
Issuance of stock, shares (in shares)			5,750,000		120
Issuance of stock	132,230	$ 29,890	$ 58		$ 30,000	132,172	$ (110)
Common stock dividends declared	(17,463)								(17,463)
Preferred stock dividends declared	(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	1,978		$ 4			1,974
Shares withheld related to net share settlement (in shares)			(125,200)
Shares withheld related to net share settlement	(3,024)					(3,024)
Stock-based compensation	$ 9,020					9,020
Ending balance (in shares) at Dec. 31, 2018	112,940,595		112,940,595
Ending balance at Dec. 31, 2018			$ 1,129
Ending balance (in shares) at Dec. 31, 2018	2,565,120			2,565,120
Ending balance at Dec. 31, 2018				$ 450,000
Ending balance at Dec. 31, 2018	$ 2,200,871					1,057,783		(52,130)	764,056	(19,967)
Increase (Decrease) in Stockholders' Equity
Net income (loss)	327,430								348,069	(20,639)
Foreign currency translation adjustment, net of tax	14,259							14,259
Change in unrealized loss on investments, net of tax	121,065							112,419		8,646
Common stock dividends declared	(20,387)								(20,387)
Preferred stock dividends declared	(33,600)								(33,600)
Common stock issued under employee stock plans and exercises of stock options, shares (in shares)			578,201
Common stock issued under employee stock plans and exercises of stock options	594		$ 5			589
Shares withheld related to net share settlement (in shares)			(149,985)
Shares withheld related to net share settlement	(3,734)					(3,734)
Stock-based compensation	$ 10,996					10,996
Ending balance (in shares) at Dec. 31, 2019	113,368,811		113,368,811
Ending balance at Dec. 31, 2019			$ 1,134
Ending balance (in shares) at Dec. 31, 2019	2,565,120			2,565,120
Ending balance at Dec. 31, 2019				$ 450,000
Ending balance at Dec. 31, 2019	$ 2,617,494					$ 1,065,634		$ 74,548	$ 1,058,138	$ (31,960)

Consolidated Statements of Cash

Consolidated Statements of Cash Flows $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Cash flows from operating activities:
Net income	$ 327,430	$ 167,524	$ 102,208
Adjustments to reconcile net income to cash provided by (used in) operating activities:
Net (gain) loss on investments and gain on sale of a business	(39,901)	29,545	(46,763)
Bad debt expense	88,247	74,214	63,819
Depreciation, amortization and goodwill impairment	96,279	86,346	103,303
Stock-based compensation expense	10,996	9,020	8,324
Other, net	3,644	11,685	30,220
Changes in assets and liabilities:
Accrued investment income	(5,553)	(7,568)	5,129
Premiums and other receivables	(112,627)	(168,445)	(276,557)
Deferred acquisition costs	(15,055)	(38,713)	4,751
Reinsurance recoverable	194,648	(318,344)	(347,848)
Prepaid reinsurance premiums	93,257	(148,552)	(360,152)
Prepaid expenses and other assets	58,086	(17,785)	(17,543)
Unpaid loss and loss adjustment expense reserves	(62,965)	302,730	382,299
Unearned premiums and other revenue	(21,474)	265,102	328,753
Reinsurance payable	(42,355)	259,699	298,925
Accounts payable and accrued expenses	(7,983)	98,276	(82,188)
Other liabilities	(43,063)	(6,601)	120,621
Net cash provided by operating activities	521,611	598,133	317,301
Cash flows from investing activities:
Debt securities	(2,140,359)	(1,802,668)	(2,144,879)
Equity securities	0	(1,297)	(33,374)
Short-term investments	(2,773,361)	(2,919,422)	(5,728,031)
Other investments	(5,848)	(37,722)	(59,384)
Property and equipment	(91,664)	(102,390)	(95,668)
Sale of debt securities, available-for-sale	974,474	1,010,339	2,078,119
Maturity of debt securities, available-for-sale	347,948	314,685	27,805
Sale of equity securities	1,700	28,384	22,207
Sale of short-term investments	3,066,577	2,610,788	5,707,331
Sale and return of other investments	15,033	121,982	73,778
Sale of a business, net of cash and cash equivalents sold	92,290	0	0
Other investing activities, net	14,959	(13,453)	(19,376)
Net cash used in investing activities	(498,251)	(790,774)	(171,472)
Cash flows from financing activities:
Proceeds from debt	0	0	140,000
Payments of debt issuance costs	(1,134)	0	0
Repayments of debt, principal payments under capital leases obligations and purchase of noncontrolling interests	(32,306)	(39,000)	(172,839)
Issuance of common stock, net (fees $0 - 2019, $5,770 - 2018, and $0 - 2017)	0	132,230	0
Issuance of preferred stock, net (fees $0 - 2019, $110 - 2018, and $0 - 2017)	0	29,890	0
Issuance of common stock — employee share options	594	1,978	1,259
Taxes paid related to net share settlement of equity awards	(3,734)	(3,024)	(1,773)
Dividends paid to common shareholders	(19,239)	(17,111)	(17,050)
Dividends paid to preferred shareholders	(33,542)	(31,500)	(31,500)
Net cash (used in) provided by financing activities	(89,361)	73,463	(81,903)
Effect of exchange rate changes on cash and cash equivalents	(3,119)	(4,723)	7,658
Net (decrease) increase in cash, cash equivalents, and restricted cash	(69,120)	(123,901)	71,584
Cash, cash equivalents, and restricted cash at beginning of the year	233,583	357,484	285,900
Cash, cash equivalents, and restricted cash at end of the year	164,463	233,583	357,484
Supplemental disclosures of cash flow information:
Cash paid for income taxes	38,723	26,763	20,800
Cash paid for interest	42,159	44,884	49,498
Common stock
Dividends Payable
Dividends Payable	5,669	4,518	4,268
Preferred stock
Dividends Payable
Dividends Payable	$ 8,925	$ 8,867	$ 7,875

Consolidated Statements of Ca_2

Consolidated Statements of Cash Flows Parenthetical - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Common stock
Cost of issuance of stock	$ 0	$ 5,770	$ 0
Preferred stock
Cost of issuance of stock	$ 0	$ 110	$ 0

Organization

Organization	12 Months Ended
	Dec. 31, 2019
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, direct-response marketing programs and retail storefronts. The Company is licensed to operate throughout the fifty states and the District of Columbia.

Significant Accounting Policies

Significant Accounting Policies	12 Months Ended
	Dec. 31, 2019
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. All significant intercompany transactions and accounts have been eliminated in consolidation. As of December 31, 2018 , the Company reclassified finance lease liabilities in the amount of $30,346 from “Other liabilities” to “Debt” on 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 recoverable, 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 stock-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 fixed maturity 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. Short-term Investments Short-term investments include commercial paper, U.S. Treasury bills and money market funds with maturities between 91 days and less than one year at the date of acquisition. Deferred Acquisition Costs Deferred acquisition costs include commissions, premium taxes, payments to affinity partners, and other direct sales costs that are directly related to successful 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 determining the recoverability of these costs. 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 Expense Loss and loss adjustment expense (“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 noncontrolling 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 ( net loss reserve discount ) or another liability ( net loss reserve plus a risk premium ), 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 we record the excess (deficiency) of the purchase price over the fair value of the acquired net assets, where applicable, as goodwill or bargain purchase gain . 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 the 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 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. Intangible assets that have finite lives, including but not limited to, agent and customer relationships and trademarks, are amortized over the estimated useful life of the asset. For intangible assets with finite lives, impairment is recognized if the carrying amount is not recoverable and exceeds the fair value of the intangible asset. Generally intangible assets with finite lives are only tested for impairment if there are indicators of impairment (“triggers”) identified. Triggers include, but are not limited to, a significant adverse change in the extent, manner or length of time in which the intangible asset is being used or a significant adverse change in legal factors or in the business climate that could affect the value of the other intangible asset. 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, 2019 and 2018 , the Company had the following major types of investments: (i) Debt securities are classified as available-for-sale and are carried at fair value. Unrealized 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 carried at fair value. Gains or losses on equity securities are reported within net gain (loss) 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 instruments 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. 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 stock-based 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 stock-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 a Federal income tax allocation agreement. Under the tax allocation agreement, 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 agreement 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 recoverable is 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. Property and Equipment Property 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 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, 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. 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 results of operations of the Reciprocal Exchanges and the management companies are included in the Company’s Property and Casualty (“P&C”) segment. Noncontrolling Interest Non-redeemable noncontrolling 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 noncontrolling 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, 2019 and 2018 , 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 9 , “ 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. 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. Accounting Standards Recent Accounting Standards, Adopted Standard Description Date of Adoption 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. January 1, 2019 The Company adopted the standard as of the beginning of the year of adoption using the modified retrospective transition approach and did not adjust prior comparative periods. On January 1, 2019, the Company recorded the recognition of the ROU asset and lease liability net of deferred rent, inducement costs and deferred tax impact of $85,000, in both assets and liabilities on its consolidated balance sheets. The adoption of the standard did not have a material effect on the Company’s results of operations and had no impact on cash flows. See Note 12, “Leases” for additional information. Recent Accounting Standards, Not Yet Adopted Standard Description Effective Date Effect on the Company ASU 2016-13, Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, and related amendments. This standard significantly changes the impairment model for most financial assets and certain other instruments. ASU 2

Investments

Investments	12 Months Ended
	Dec. 31, 2019
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, 2019 Amortized Cost Gross Gross Fair Value U.S. Treasury $ 65,037 $ 1,992 $ (23 ) $ 67,006 Federal agencies 3,907 8 — 3,915 States and political subdivision bonds 298,345 4,778 (1,441 ) 301,682 Foreign government 1,762 40 — 1,802 Corporate bonds 1,859,736 59,184 (2,357 ) 1,916,563 Residential mortgage-backed securities 1,265,830 15,747 (4,117 ) 1,277,460 Commercial mortgage-backed securities 585,044 27,261 (112 ) 612,193 Asset-backed securities 74,465 1,194 (48 ) 75,611 Structured securities 222,565 226 (2,665 ) 220,126 Total $ 4,376,691 $ 110,430 $ (10,763 ) $ 4,476,358 NGHC $ 4,057,501 $ 104,951 $ (10,343 ) $ 4,152,109 Reciprocal Exchanges 319,190 5,479 (420 ) 324,249 Total $ 4,376,691 $ 110,430 $ (10,763 ) $ 4,476,358 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 As of December 31, 2019 and 2018 , 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, 2019 , 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, 2019 Amortized Fair Amortized Fair Amortized Fair Due in one year or less $ 61,536 $ 61,749 $ 110 $ 110 $ 61,646 $ 61,859 Due after one year through five years 879,910 904,718 115,566 117,815 995,476 1,022,533 Due after five years through ten years 1,043,657 1,072,865 92,236 93,239 1,135,893 1,166,104 Due after ten years 241,110 243,216 17,227 17,382 258,337 260,598 Mortgage-backed securities 1,831,288 1,869,561 94,051 95,703 1,925,339 1,965,264 Total $ 4,057,501 $ 4,152,109 $ 319,190 $ 324,249 $ 4,376,691 $ 4,476,358 (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, 2019 Fair Unrealized Fair Unrealized Fair Unrealized U.S. Treasury $ 19,903 $ (23 ) $ 500 $ — $ 20,403 $ (23 ) States and political subdivision bonds 106,103 (1,415 ) 2,580 (26 ) 108,683 (1,441 ) Corporate bonds 586,817 (2,253 ) 5,976 (104 ) 592,793 (2,357 ) Residential mortgage-backed securities 410,484 (4,074 ) 3,983 (43 ) 414,467 (4,117 ) Commercial mortgage-backed securities 18,250 (105 ) 748 (7 ) 18,998 (112 ) Asset-backed securities 5,406 (29 ) 920 (19 ) 6,326 (48 ) Structured securities 40,979 (94 ) 109,880 (2,571 ) 150,859 (2,665 ) Total $ 1,187,942 $ (7,993 ) $ 124,587 $ (2,770 ) $ 1,312,529 $ (10,763 ) NGHC $ 1,104,244 $ (7,654 ) $ 117,681 $ (2,689 ) $ 1,221,925 $ (10,343 ) Reciprocal Exchanges 83,698 (339 ) 6,906 (81 ) 90,604 (420 ) Total $ 1,187,942 $ (7,993 ) $ 124,587 $ (2,770 ) $ 1,312,529 $ (10,763 ) 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 ) The Company’s debt securities portfolio is sensitive to interest rate fluctuations, which impact the fair value of individual securities. Unrealized losses on debt securities reported above were primarily caused by the effects of the interest rate environment. Therefore, the Company does not believe the unrealized losses represent an OTTI as of December 31, 2019 and 2018 . There were 1,337 and 1,662 individual security lots at December 31, 2019 and 2018 , 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, 2019 and 2018 , of the $2,770 and $41,052 , 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. Factors influencing management’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 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, 2019 , 2018 and 2017 , the Company did no t 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 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 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, 2019 2018 Common stock $ 5,257 $ 10,949 Total $ 5,257 $ 10,949 NGHC $ 5,257 $ 10,949 Reciprocal Exchanges — — Total $ 5,257 $ 10,949 (d) Net Investment Income The components of net investment income consisted of the following: Year Ended December 31, 2019 2018 2017 Cash and short-term investments $ 4,075 $ 1,659 $ 1,506 Debt securities 124,379 107,077 106,002 Equity securities 6 665 345 Other, net (1) 17,347 13,932 2,289 Investment income 145,807 123,333 110,142 Investment expenses (4,574 ) (4,299 ) (8,192 ) Net investment income $ 141,233 $ 119,034 $ 101,950 NGHC $ 132,595 $ 110,159 $ 92,625 Reciprocal Exchanges 8,638 8,875 9,325 Net investment income $ 141,233 $ 119,034 $ 101,950 (1) Includes $7,718 , $4,876 , and $(4,141) , income (expense) from related parties, for the years ended December 31, 2019, 2018 and 2017, respectively. (e) Net Gain (Loss) on Investments The table below indicates realized gains and losses on investments. 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, 2019 2018 2017 Debt securities, available-for-sale: Gross gains $ 19,870 $ 4,590 $ 58,405 Gross losses (3,457 ) (22,860 ) (3,754 ) Net gain (loss) on debt securities, available-for-sale 16,413 (18,270 ) 54,651 Equity securities (3,992 ) (12,305 ) (9,562 ) OTTI on investments — (3,000 ) (25 ) Other, net 1,052 4,030 1,699 Net gain (loss) on investments $ 13,473 $ (29,545 ) $ 46,763 NGHC $ 13,603 $ (26,179 ) $ 40,640 Reciprocal Exchanges (130 ) (3,366 ) 6,123 Net gain (loss) on investments $ 13,473 $ (29,545 ) $ 46,763 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, 2019 2018 2017 Equity Securities Equity Securities Equity Securities and Debt Securities Net losses recognized during the year $ (3,992 ) $ (12,305 ) $ (20,096 ) Less: Net losses recognized during the year on securities sold during the year — (864 ) (11,851 ) Net losses recognized during the reporting period on securities still held at the reporting date $ (3,992 ) $ (11,441 ) $ (8,245 ) (f) Credit Quality of Investments The tables below summarize the credit quality of debt 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, 2019 Amortized Cost Fair Value Percentage Amortized Cost Fair Value Percentage U.S. Treasury $ 52,108 $ 53,599 1.3 % $ 12,929 $ 13,407 4.1 % AAA 515,869 537,508 12.9 % 20,947 21,555 6.6 % AA, AA+, AA- 1,677,787 1,697,220 40.9 % 120,113 121,720 37.5 % A, A+, A- 954,312 976,468 23.5 % 116,747 119,041 36.7 % BBB, BBB+, BBB- 795,594 823,239 19.8 % 48,021 48,093 14.8 % BB+ and lower 61,831 64,075 1.6 % 433 433 0.3 % Total $ 4,057,501 $ 4,152,109 100.0 % $ 319,190 $ 324,249 100.0 % 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 % The tables below summarize the investment quality of the corporate bond holdings and industry concentrations. December 31, 2019 AAA AA+, A+,A,A- BBB+, BB+ or Fair % of Financial Institutions — % 3.6 % 25.0 % 12.1 % 0.3 % $ 785,910 41.0 % Industrials 0.7 % 2.7 % 24.1 % 29.0 % 0.1 % 1,083,959 56.6 % Utilities/Other — % — % 1.0 % 1.4 % — % 46,694 2.4 % Total 0.7 % 6.3 % 50.1 % 42.5 % 0.4 % $ 1,916,563 100.0 % NGHC 0.3 % 5.1 % 44.0 % 40.0 % 0.4 % $ 1,720,962 89.8 % Reciprocal Exchanges 0.4 % 1.2 % 6.1 % 2.5 % — % 195,601 10.2 % Total 0.7 % 6.3 % 50.1 % 42.5 % 0.4 % $ 1,916,563 100.0 % 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 % (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, 2019 2018 Cash and cash equivalents $ 135,942 $ 193,858 Restricted cash and cash equivalents 28,521 39,725 Total cash, cash equivalents and restricted cash $ 164,463 $ 233,583 Restricted investments are as follows: December 31, 2019 2018 Securities on deposit with state regulatory authorities $ 74,061 $ 73,119 Restricted investments to trusts in certain reinsurance transactions 49,502 70,470 Total restricted investments $ 123,563 $ 143,589 (h) Other Investments The table below summarizes the composition of other investments: December 31, 2019 2018 Equity method investments (related parties - $109,612 and $106,031) $ 143,511 $ 142,921 Notes receivable (related parties - $129,229 and $127,692) (1) 129,299 128,893 Long-term Certificates of Deposit (CDs), at cost 20,150 20,252 Investments, at fair value 4,108 6,542 Investments, at cost or amortized cost 8,962 7,668 Total $ 306,030 $ 306,276 (1) See Note 13 , “ Related Party Transactions ” for additional information. 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, 2019 , 2018 and 2017 , the Company recorded OTTI on other investments of $0 , $3,000 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 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. The LSC Entity has a 30% noncontrolling equity interest in a limited partnership managed by a third party. As of December 31, 2019 , 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, 2019 2018 2017 Balance, beginning of the year $ 48,324 $ 160,683 $ 185,992 Distributions (2,500 ) (118,635 ) (45,127 ) Contributions 258 2,000 21,040 Equity in earnings (losses) 3,395 4,276 (1,222 ) Change in equity method investments 1,153 (112,359 ) (25,309 ) Balance, end of the year $ 49,477 $ 48,324 $ 160,683 800 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. Previously, the Company and AmTrust each also had a 50% ownership interest in East Ninth & Superior, LLC and a 24.5% ownership interest in 800 Superior NMTC Investment Fund II, LLC. During the third quarter of 2019, the net assets of East Ninth & Superior, LLC were combined with 800 Superior, LLC and East Ninth & Superior, LLC and 800 Superior NMTC Investment Fund II, LLC were dissolved. The Company’s equity interest in 800 Superior, LLC as of December 31, 2019 and 2018 was $9,365 and $5,125 , respectively. For the years ended December 31, 2019 , 2018 and 2017 , the Company recorded equity in earnings (losses) from 800 Superior, LLC of $1,953 , $(531) and $(12) , respectively, and made contributions of $2,287 , $0 and $0 , respectively. Additionally, the Company has a lease agreement with 800 Superior, LLC. The Company paid 800 Superior, LLC $2,967 , $2,889 and $2,812 in rent for the years ended December 31, 2019 , 2018 and 2017 , 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, 2019 and 2018 was $5,317 and $6,214 , respectively. For the years ended December 31, 2019 , 2018 and 2017 , the Company recorded equity in earnings (losses) from North Dearborn of $(357) , $(243) and $(812) , respectively, and received distributions of $540 , $1,125 and $0 , 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. The Company’s equity interest in 4455 LBJ Freeway, LLC as of December 31, 2019 and 2018 was $1,074 and $793 , respectively. For the years ended December 31, 2019 , 2018 and 2017 , the Company recorded equity in earnings (losses) from 4455 LBJ Freeway, LLC of $281 , $53 and $(160) , respectively. Additionally, the Company has a lease agreement with 4455 LBJ Freeway, LLC. The Company paid 4455 LBJ Freeway, LLC $2,422 , $2,225 and $2,303 in rent for the years ended December 31, 2019 , 2018 and 2017 , 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, 2019 and 2018 was $44,379 and $45,575 , respectively. For the years ended December 31, 2019 , 2018 and 2017 , the Company recorded equity in earnings (losses) from Illinois Center of $(2,321) , $(3,390) and $(6,645) , respectively, and made contributions of $1,125 , $2,250 and $5,625 , respectively.

Fair Value of Financial Instrum

Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2019
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, 2019 and 2018 . 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. 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. • 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. • 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, 2019 Level 1 Level 2 Level 3 Total Available-for-sale debt securities: U.S. Treasury $ 67,006 $ — $ — $ 67,006 Federal agencies 3,915 — — 3,915 States and political subdivision bonds — 298,582 3,100 301,682 Foreign government — 1,802 — 1,802 Corporate bonds — 1,908,235 8,328 1,916,563 Residential mortgage-backed securities — 1,277,460 — 1,277,460 Commercial mortgage-backed securities — 612,193 — 612,193 Asset-backed securities — 75,611 — 75,611 Structured securities — 220,126 — 220,126 Total available-for-sale debt securities 70,921 4,394,009 11,428 4,476,358 Equity securities: Common stock 4,881 — 376 5,257 Total equity securities 4,881 — 376 5,257 Short-term investments 59,953 7,400 — 67,353 Other investments — — 4,108 4,108 Total $ 135,755 $ 4,401,409 $ 15,912 $ 4,553,076 NGHC $ 116,602 $ 4,091,068 $ 15,912 $ 4,223,582 Reciprocal Exchanges 19,153 310,341 — 329,494 Total $ 135,755 $ 4,401,409 $ 15,912 $ 4,553,076 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 During the years ended December 31, 2019 and 2018 , there were no transfers between Level 2 and Level 3. 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 Other investments Total Balance as of January 1, 2019 $ 3,596 $ 11,767 $ 1,051 $ 6,542 $ 22,956 Transfers into Level 3 — — — — — Transfers out of Level 3 — — — — — Total gains (losses) for the period: Included in earnings — — (675 ) (1,176 ) (1,851 ) Included in other comprehensive income (496 ) (3,439 ) — — (3,935 ) Sales — — — (1,258 ) (1,258 ) Balance as of December 31, 2019 $ 3,100 $ 8,328 $ 376 $ 4,108 $ 15,912 Change in unrealized gains (losses) for the period included in net income for assets held at the end of the reporting period $ — $ — $ (675 ) $ (1,176 ) $ (1,851 ) Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period $ (496 ) $ (3,439 ) $ — $ — $ (3,935 ) 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 earnings — — (4,001 ) (270 ) 1,057 (3,214 ) Included in other comprehensive income (485 ) (12,778 ) — — — (13,263 ) 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 ) At December 31, 2019 and 2018 , 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, 2019 and 2018 . Goodwill is classified as Level 3 in the fair value hierarchy. See Note 7 , “ Goodwill and Intangible Assets ” for additional information on how the Company tested goodwill for impairment. Fair value information about financial liabilities 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 11 , “ Debt ” for additional information. The following table presents the carrying amount and estimated fair value of debt not carried at fair value, excluding finance lease and other liabilities, as well as the input level used to determine the fair value: December 31, 2019 December 31, 2018 Input Level Carrying amount Fair value Carrying amount Fair value 7.625% Notes Level 2 $ 96,928 $ 103,560 $ 96,842 $ 90,400 6.75% Notes Level 3 347,091 371,366 346,439 353,756 Subordinated Debentures Level 3 72,168 72,103 72,168 72,109 2016 Credit Agreement Level 3 — — 160,000 163,222 2019 Credit Agreement Level 3 140,000 148,272 — —

Deferred Acquisition Costs

Deferred Acquisition Costs	12 Months Ended
	Dec. 31, 2019
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, 2019 2018 2017 Property Accident Total Property Accident Total Property Accident Total Balance, beginning of the year $ 226,188 $ 25,220 $ 251,408 $ 198,283 $ 18,106 $ 216,389 $ 207,597 $ 13,325 $ 220,922 Additions 552,921 39,491 592,412 522,914 22,898 545,812 478,426 26,930 505,356 Amortization (539,816 ) (37,541 ) (577,357 ) (495,009 ) (15,784 ) (510,793 ) (487,740 ) (22,149 ) (509,889 ) Disposition — (2,940 ) (2,940 ) — — — — — — Change in DAC 13,105 (990 ) 12,115 27,905 7,114 35,019 (9,314 ) 4,781 (4,533 ) End of the year $ 239,293 $ 24,230 $ 263,523 $ 226,188 $ 25,220 $ 251,408 $ 198,283 $ 18,106 $ 216,389 NGHC $ 215,986 $ 24,230 $ 240,216 $ 206,181 $ 25,220 $ 231,401 $ 177,446 $ 18,106 $ 195,552 Reciprocal Exchanges 23,307 — 23,307 20,007 — 20,007 20,837 — 20,837 Balance, end of the year $ 239,293 $ 24,230 $ 263,523 $ 226,188 $ 25,220 $ 251,408 $ 198,283 $ 18,106 $ 216,389

Property and Equipment

Property and Equipment	12 Months Ended
	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
Property and Equipment	Property and Equipment The composition of property and equipment consisted of the following: December 31, 2019 2018 Cost Accumulated Depreciation Net Value Cost Accumulated Depreciation Net Value Land $ 5,788 $ — $ 5,788 $ 6,073 $ — $ 6,073 Buildings 24,997 (2,669 ) 22,328 31,489 (2,554 ) 28,935 Leasehold improvements 34,238 (12,372 ) 21,866 35,469 (9,152 ) 26,317 Other equipment 24,627 (3,044 ) 21,583 28,774 (5,670 ) 23,104 Hardware and software 387,618 (196,294 ) 191,324 385,059 (161,484 ) 223,575 Finance lease right-of-use assets 37,515 (16,511 ) 21,004 — — — Operating lease right-of-use assets 119,934 — 119,934 — — — Total $ 634,717 $ (230,890 ) $ 403,827 $ 486,864 $ (178,860 ) $ 308,004 NGHC $ 625,658 $ (222,072 ) $ 403,586 $ 477,804 $ (171,495 ) $ 306,309 Reciprocal Exchanges 9,059 (8,818 ) 241 9,060 (7,365 ) 1,695 Total $ 634,717 $ (230,890 ) $ 403,827 $ 486,864 $ (178,860 ) $ 308,004 Depreciation and amortization expense related to property and equipment for the years ended December 31, 2019 , 2018 and 2017 was $61,965 , $55,928 and $39,323 , respectively.

Goodwill and Intangible Assets

Goodwill and Intangible Assets	12 Months Ended
	Dec. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Intangible Assets	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. As of December 31, 2019 , 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. During the year ended December 31, 2019 , the Company purchased certain intangible assets and completed several business acquisitions, as well as a business disposition, that were not material to the Company’s consolidated financial statements, either individually or in the aggregate. 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, 2019 $ 100,888 $ 79,295 $ 180,183 Acquisitions 1,414 5,312 6,726 Disposition — (7,581 ) (7,581 ) Balance as of December 31, 2019 $ 102,302 $ 77,026 $ 179,328 The composition of intangible assets and loss reserve premium consisted of the following: December 31, 2019 Gross Balance Accumulated Amortization Net Value Weighted-average amortization period Agent/Customer relationships $ 175,157 $ (76,156 ) $ 99,001 13.6 years Renewal rights 48,566 (41,257 ) 7,309 5.8 years Other intangibles 49,511 (27,923 ) 21,588 7.8 years Total intangible assets subject to amortization 273,234 (145,336 ) 127,898 12.2 years Management contracts 118,600 — 118,600 indefinite life State licenses 89,325 — 89,325 indefinite life Trademarks 30,000 — 30,000 indefinite life Total intangible assets $ 511,159 $ (145,336 ) $ 365,823 NGHC $ 507,259 $ (144,661 ) $ 362,598 Reciprocal Exchanges 3,900 (675 ) 3,225 Total intangible assets $ 511,159 $ (145,336 ) $ 365,823 Net loss reserve plus a risk premium (1) $ (17,266 ) $ 9,947 $ (7,319 ) 6.1 years Total $ (17,266 ) $ 9,947 $ (7,319 ) NGHC $ (13,253 ) $ 6,017 $ (7,236 ) Reciprocal Exchanges (4,013 ) 3,930 (83 ) Total $ (17,266 ) $ 9,947 $ (7,319 ) December 31, 2018 Gross Accumulated Net Value Agent/Customer relationships $ 184,617 $ (72,876 ) $ 111,741 Renewal rights 51,057 (36,342 ) 14,715 Other intangibles 33,901 (14,845 ) 19,056 Total intangible assets subject to amortization 269,575 (124,063 ) 145,512 Management contracts 118,600 — 118,600 State licenses 85,825 — 85,825 Trademarks 30,000 — 30,000 Total intangible assets $ 504,000 $ (124,063 ) $ 379,937 NGHC $ 500,100 $ (123,568 ) $ 376,532 Reciprocal Exchanges 3,900 (495 ) 3,405 Total intangible assets $ 504,000 $ (124,063 ) $ 379,937 Net loss reserve plus a risk premium (1) $ (6,203 ) $ 5,659 $ (544 ) Total $ (6,203 ) $ 5,659 $ (544 ) NGHC $ (2,190 ) $ 1,839 $ (351 ) Reciprocal Exchanges (4,013 ) 3,820 (193 ) Total $ (6,203 ) $ 5,659 $ (544 ) (1) Net loss reserve plus a risk premium is recorded as a liability. The changes in the carrying amounts of intangibles assets are as follows: Gross Balance Accumulated Amortization Net Value Balance as of January 1, 2019 $ 504,000 $ (124,063 ) $ 379,937 Acquisitions 35,421 — 35,421 Amortization — (39,024 ) (39,024 ) Reclassification (11,837 ) 6,924 (4,913 ) Disposition (16,425 ) 10,827 (5,598 ) Balance as of December 31, 2019 $ 511,159 $ (145,336 ) $ 365,823 Intangible assets amortization expense consisted of the following: Year Ended December 31, 2019 2018 2017 Amortization $ 39,024 $ 31,999 $ 59,868 Amortization of loss reserve premium (4,288 ) (632 ) (1,257 ) Total $ 34,736 $ 31,367 $ 58,611 NGHC $ 34,665 $ 31,323 $ 51,729 Reciprocal Exchanges 71 44 6,882 Total $ 34,736 $ 31,367 $ 58,611 The estimated aggregate amortization expense for each of the next five years and thereafter is: Year ending NGHC Reciprocal Total 2020 $ 20,385 $ 131 $ 20,516 2021 16,259 23 16,282 2022 14,559 (9 ) 14,550 2023 12,385 (2 ) 12,383 2024 11,451 (1 ) 11,450 Thereafter 45,398 — 45,398 Total $ 120,437 $ 142 $ 120,579

Unpaid Losses and Loss Adjustme

Unpaid Losses and Loss Adjustment Expense Reserves	12 Months Ended
	Dec. 31, 2019
Insurance [Abstract]
Unpaid Losses and Loss Adjustment Expenses	Unpaid Losses and Loss Adjustment Expense Reserves The unpaid losses and loss adjustment expense (“LAE”) reserves is an estimate of the Company’s liability from incurred claims at the reporting period. The unpaid losses and loss adjustment expense 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 following tables present a reconciliation of beginning and ending balances for unpaid losses and LAE : Year Ended December 31, 2019 Property Accident NGHC Reciprocal Total Gross balance at beginning of the year $ 2,507,409 $ 271,280 $ 2,778,689 $ 178,470 $ 2,957,159 Less: Reinsurance recoverable at beginning of the year (1,182,588 ) (24,575 ) (1,207,163 ) (77,979 ) (1,285,142 ) Net balance at beginning of the year 1,324,821 246,705 1,571,526 100,491 1,672,017 Incurred losses and LAE related to: Current year 2,320,053 356,036 2,676,089 173,215 2,849,304 Prior year 46,623 (45,356 ) 1,267 3,897 5,164 Total incurred 2,366,676 310,680 2,677,356 177,112 2,854,468 Paid losses and LAE related to: Current year (1,430,072 ) (219,234 ) (1,649,306 ) (111,380 ) (1,760,686 ) Prior year (841,613 ) (109,653 ) (951,266 ) (44,611 ) (995,877 ) Total paid (2,271,685 ) (328,887 ) (2,600,572 ) (155,991 ) (2,756,563 ) Acquired losses and LAE reserves 92,574 — 92,574 — 92,574 Disposed losses and LAE reserves — (87,890 ) (87,890 ) — (87,890 ) Net balance at end of the year 1,512,386 140,608 1,652,994 121,612 1,774,606 Plus: Reinsurance recoverable at end of the year 1,016,368 11,266 1,027,634 84,174 1,111,808 Gross balance at end of the year $ 2,528,754 $ 151,874 $ 2,680,628 $ 205,786 $ 2,886,414 Year Ended December 31, 2018 Property and Casualty Accident and Health NGHC Reciprocal Exchanges Total Gross balance 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 ) Unrealized foreign exchange gain — (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 Gross balance 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 ) Unrealized foreign exchange loss — 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 Gross unpaid losses and loss adjustment expense reserves at December 31, 2019 decreased by $70,745 from December 31, 2018 , primarily reflecting lower reserves from catastrophic events. 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. 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. 2019 . Loss and LAE for the year ended December 31, 2019 included $5,164 of unfavorable development on prior accident year loss and LAE reserves. The $50,520 of unfavorable development in the property and casualty segment (including $3,897 of unfavorable development for the Reciprocal Exchanges) was primarily driven by adverse development in the small business auto product line , while the $45,356 of favorable development in the accident and health segment was primarily driven by overall improvement in loss ratio estimates. 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. Short-duration contracts The following is information by reserving subgroups within segments about incurred and paid claims development as of December 31, 2019 , 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, 2019 , is presented as unaudited supplementary information. 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, 2019 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 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 $ 595,609 $ 270 241,703 2011 490,230 485,762 489,010 494,922 493,873 497,109 497,324 496,408 497,424 566 238,315 2012 511,797 522,296 529,140 527,386 528,090 527,531 529,885 531,887 196 249,877 2013 544,833 556,262 556,290 563,834 567,410 572,538 575,521 1,637 250,090 2014 740,531 759,577 760,566 766,640 779,992 783,869 1,293 270,033 2015 820,213 838,040 849,051 872,064 892,244 6,218 291,691 2016 932,350 940,849 976,749 1,005,184 23,596 301,660 2017 929,211 912,370 941,837 33,880 295,454 2018 1,047,041 1,033,488 131,044 306,943 2019 1,162,750 436,809 386,846 Total (A) $ 8,019,813 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 2019 (unaudited) 2010 $ 287,058 $ 474,640 $ 534,107 $ 562,918 $ 579,237 $ 590,417 $ 592,932 $ 594,168 $ 594,696 $ 594,914 2011 224,676 385,749 442,365 468,059 482,861 489,191 494,145 495,833 496,680 2012 242,285 413,018 470,515 501,819 518,079 523,703 527,695 530,570 2013 259,665 440,751 504,569 540,497 559,064 567,949 571,643 2014 342,710 601,980 694,002 728,256 757,933 773,124 2015 385,592 679,461 761,150 820,007 864,226 2016 400,052 737,927 855,407 937,997 2017 392,084 706,151 832,553 2018 429,231 777,888 2019 470,341 Total (B) $ 6,849,936 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 1,186 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 1,171,063 Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 10 (unaudited) Property and Casualty - auto liability, including recreational vehicles and motorcycles 42.8 % 33.3 % 11.4 % 5.9 % 3.6 % 1.6 % 0.7 % 0.4 % 0.1 % 0.2 % 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, 2019 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 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 $ 381,113 $ — 309,114 2011 315,273 308,729 308,298 308,486 308,760 308,512 308,536 308,249 308,132 — 298,034 2012 308,056 298,208 295,984 296,257 296,050 295,970 295,026 294,710 — 292,486 2013 335,454 329,049 328,748 328,284 328,262 328,010 327,506 — 285,748 2014 496,227 487,302 486,206 486,383 486,373 486,156 — 311,595 2015 541,008 544,097 544,769 544,510 544,684 — 329,097 2016 626,643 622,456 621,717 620,546 (550 ) 337,775 2017 600,813 570,699 567,411 1,180 384,794 2018 548,063 526,092 (5,823 ) 359,565 2019 577,970 43,820 349,043 Total (A) $ 4,634,320 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 2019 (unaudited) 2010 $ 351,865 $ 382,575 $ 381,955 $ 381,926 $ 381,829 $ 381,811 $ 381,789 $ 381,425 $ 381,129 $ 381,109 2011 283,501 308,824 308,634 308,608 308,578 308,571 308,557 308,266 308,131 2012 268,989 298,381 295,978 295,975 296,029 295,995 294,975 294,702 2013 291,064 328,832 328,456 328,299 328,280 327,976 327,510 2014 430,998 487,531 486,364 486,309 486,251 486,108 2015 478,268 544,754 544,707 544,485 544,699 2016 542,970 622,930 621,529 621,181 2017 533,907 568,639 566,918 2018 483,149 532,083 2019 512,074 Total (B) $ 4,574,515 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 4 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 59,809 Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 10 (unaudited) Property and Casualty - auto physical damage, including recreational vehicles, motorcycles and lender placed auto 90.1 % 10.3 % (0.3 )% — % — % — % — % (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, 2019 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 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 $ 411,263 $ — 86,466 2011 506,352 499,170 498,050 498,184 497,244 495,246 494,825 495,170 495,148 3 107,869 2012 485,454 480,353 478,880 477,577 476,538 474,649 476,166 475,792 — 112,053 2013 306,761 300,868 299,561 296,618 296,907 296,756 296,760 77 75,904 2014 318,488 306,471 303,925 304,496 304,237 304,350 34 73,477 2015 357,023 349,559 351,747 353,688 351,305 1,935 69,874 2016 350,737 341,762 340,711 343,525 1,109 60,954 2017 402,798 365,092 370,068 11,847 58,961 2018 327,462 328,721 13,210 72,612 2019 247,760 43,234 60,676 Total (A) $ 3,624,692 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 2019 (unaudited) 2010 $ 247,802 $ 370,301 $ 393,226 $ 404,490 $ 408,195 $ 409,781 $ 410,875 $ 410,994 $ 411,249 $ 411,243 2011 314,139 457,480 485,054 489,778 493,408 494,198 494,525 494,904 494,922 2012 300,271 452,589 466,266 471,084 473,190 473,781 475,765 475,762 2013 219,937 279,743 289,302 293,101 295,332 296,383 296,442 2014 198,781 278,255 289,456 297,640 301,742 303,100 2015 233,264 319,284 336,921 342,156 345,257 2016 227,650 320,564 331,102 337,889 2017 258,234 338,065 349,600 2018 227,908 298,212 2019 172,462 Total (B) $ 3,484,889 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 225 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 140,028 Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 10 (unaudited) Property and Casualty - homeowners & other property, including lender placed homeowners 66.3 % 26.0 % 4.3 % 2.0 % 0.8 % 0.4 % 0.2 % — % — % — % Accident and Health Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2019 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Total of IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims (unaudited) 2010 $ 4,847 $ 4,731 $ 4,703 $ 4,703 $ 4,703 $ 4,703 $ 4,703 $ 4,703 $ 4,703 $ 4,703 $ — 10,115 2011 4,804 4,483 4,481 4,481 4,481 4,481 4,481 4,481 4,481 — 8,139 2012 4,400 4,227 4,161 4,161 4,161 4,110 4,110 4,110 — 7,630 2013 23,253 28,578 26,457 26,361 26,272 26,274 26,274 — 34,176 2014 52,245 52,694 52,311 52,026 52,022 52,034 — 69,799 2015 176,104 184,586 181,536 181,740 181,717 21 242,784 2016 215,097 200,817 202,155 201,722 173 320,530 2017 211,293 186,415 182,865 1,346 297,140 2018 234,558 205,152 3,695 272,136 2019 256,745 98,399 215,703 Total (A) $ 1,119,803 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 2019 (unaudited) 2010 $ 3,604 $ 4,742 $ 4,703 $ 4,703 $ 4,703 $ 4,703 $ 4,703 $ 4,703 $ 4,703 $ 4,703 2011 2,528 4,469 4,481 4,481 4,481 4,481 4,481 4,481 4,481 2012 3,330 4,095 4,110 4,110 4,161 4,110 4,110 4,110 2013 15,421 25,754 26,327 26,242 26,154 26,155 26,155 2014 31,765 52,053 52,405 52,147 52,140 52,153 2015 123,576 178,918 181,459 181,719 181,696 2016 125,845 196,421 201,720 201,549 2017 104,809 178,047 181,519 2018 126,269 201,457 2019 158,345 Total (B) $ 1,016,168 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) $ 103,635 Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 10 (unaudited) Accident and Health 62.1 % 35.9 % 1.8 % 0.2 % — % — % (0.3 )% 0.3 % — % — % Reciprocal Exchanges - auto liability: Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2019 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 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 $ 57,605 $ — 5,822 2011 47,666 47,834 47,459 48,841 51,107 50,898 50,998 51,161 51,247 — 5,065 2012 44,834 47,275 48,044 48,665 50,370 50,767 50,303 50,538 — 4,999 2013 43,684 44,341 45,479 50,180 51,263 49,854 50,595 — 5,097 2014 38,656 40,850 45,930 48,246 49,168 49,369 — 4,871 2015 35,573 33,409 34,390 34,615 34,268 303 4,333 2016 24,619 24,460 26,109 24,310 604 4,001 2017 26,214 28,762 28,804 4,229 4,919 2018 32,339 33,891 7,325 6,068 2019 49,757 23,246 5,882 Total (A) $ 430,384 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 2019 (unaudited) 2010 $ 18,879 $ 32,181 $ 41,020 $ 49,764 $ 53,635 $ 55,155 $ 55,700 $ 56,522 $ 56,961 $ 57,232 2011 15,857 26,603 35,911 41,931 46,559 49,570 50,481 50,979 51,121 2012 13,568 29,286 37,241 42,768 46,358 48,990 49,836 50,090 2013 14,683 29,218 35,105 41,787 47,449 48,449 49,605 2014 13,925 26,070 32,382 39,328 46,001 48,389 2015 11,910 19,501 24,614 29,538 31,587 2016 7,516 13,478 16,994 20,567 2017 9,111 17,136 19,529 2018 10,755 19,471 2019 15,504 Total (B) $ 363,095 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 42 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 67,331 Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 10 (unaudited) Reciprocal Exchanges - auto liability 30.6 % 25.3 % 14.1 % 13.5 % 8.9 % 4.1 % 1.3 % 0.9 % 0.4 % 0.7 % Reciprocal Exchanges - auto physical damage: Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2019 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 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 $ 24,651 $ — 12,374 2011 26,936 26,055 26,022 26,060 26,037 26,029 26,023 26,028 26,028 — 12,041 2012 25,752 26,459 26,189 25,914 25,842 25,841 25,845 25,842 — 11,301 2013 23,375 25,214 25,292 24,709 24,703 24,704 24,704 — 11,066 2014 29,240 27,424 25,806 25,588 25,882 26,074 — 11,526 2015 21,247 18,592 18,673 18,789 18,842 — 10,280 2016 12,270 12,921 12,985 13,213 (12 ) 8,742 2017 15,301 15,410 15,612 112 10,674 2018 19,146 19,272 26 13,598 2019 27,212 (1,625 ) 13,652 Total (A) $ 221,450 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 2019 (unaudited) 2010 $ 25,583 $ 24,873 $ 24,725 $ 24,701 $ 24,681 $ 24,665 $ 24,661 $ 24,654 $ 24,653 $ 24,651 2011 28,274 26,269 26,106 26,056 26,037 26,033 26,027 26,028 26,028 2012 23,760 26,651 26,172 25,914 25,854 25,850 25,845 25,842 2013 22,651 25,088 24,549 24,725 24,716 24,704 24,704 2014 24,528 26,165 25,772 25,427 25,685 25,946 2015 19,080 18,797 18,750 18,748 18,719 2016 12,579 13,147 13,080 13,137 2017 15,438 16,141 15,500 2018 18,925 19,246 2019 27,974 Total (B) $ 221,747 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) $ (297 ) Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 10 (unaudited) Reciprocal Exchanges - auto physical damage 98.8 % 2.3 % (1.3 )% 0.2 % — % — % — % — % — % — % Reciprocal Exchanges - homeowners & other property: Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2019 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 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 $ 35,737 $ — 5,066 2011 38,470 28,869 28,511 28,209 27,954 27,950 28,002 28,075 28,095 — 6,652 2012 25,289 20,625 21,184 19,971 20,403 20,876 20,251 20,301 — 8,427 2013 22,638 21,232 20,132 20,309 20,615 20,367 23,109 — 3,165 2014 27,706 24,846 25,625 26,614 27,141 27,231 — 4,231 2015 30,081 21,031 21,527 22,007 21,881 72 5,448 2016 36,838 35,274 34,851 34,501 306 4,786 2017 48,222 50,871 51,852 2,089 8,817 2018 76,925 78,166 3,836 12,950 2019 65,888 11,427 11,311 Total (A) $ 386,761 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 2019 (unaudited) 2010 $ 23,881 $ 31,051 $ 32,488 $ 34,587 $ 35,265 $ 35,428 $ 35,388 $ 35,497 $ 35,101 $ 35,574 2011 21,474 24,997 25,799 26,700 27,661 27,656 27,692 27,758 27,803 2012 11,087 18,021 19,367 19,847 19,961 20,668 20,121 20,256 2013 11,277 17,435 18,107 19,104 19,653 19,626 20,232 2014 15,344 22,834 23,820 25,230 26,170 27,003 2015 12,979 18,518 19,834 20,339 20,733 2016 20,978 30,615 31,632 32,933 2017 33,166 46,003 47,517 2018 55,519 69,672 2019 45,432 Total (B) $ 347,155 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 1,907 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 41,513 Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 10 (unaudited) Reciprocal Exchanges - homeowners & other property 64.9 % 22.1 % 3.1 % 3.6 % 1.9 % 1.4 % 1.0 % 0.8 % 0.5 % 0.8 % 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, 2019 Net outstanding liabilities: Property and Casualty - Auto Liability $ 1,171,063 Property and Casualty - Auto Physical Damage 59,809 Property and Casualty - Homeowners and Other Property 140,028 Accident and Health 103,635 Reciprocal Exchanges - Auto Liability 67,331 Reciprocal Exchanges - Auto Physical Damage (297 ) Reciprocal Exchanges - Homeowners and Other Property 41,513 Net reserve for claims and allocated claim adjustment expenses $ 1,583,082 Reinsurance recoverable: (1) Property and Casualty - Auto Liability $ 848,885 Property and Casualty - Auto Physical Damage 11,873 Property and Casualty - Homeowners and Other Property 155,610 Accident and Health 11,266 Reciprocal Exchanges - Auto Liability 33,022 Reciprocal Exchanges - Auto Physical Damage 297 Reciprocal Exchanges - Homeowners and Other Property 50,855 Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses $ 1,111,808 Insurance lines other than short-duration $ 32,032 Acquisition 61,589 Unallocated claims adjustment expenses (“ULAE”) 97,903 Subtotal $ 191,524 Gross reserve for claims and claim adjustment expenses $ 2,886,414 (1) I ncludes $548,370 from MCCA and $146,496 from NCRF. See Note 9 , “ 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: 2019 - Current Accident Year Incurred 2019 - Current Accident Year Paid Property and Casualty Accident and Health Reciprocal Total Property and Casualty Accident and Health Reciprocal Total Rollforward table $ 2,320,053 $ 356,036 $ 173,215 $ 2,849,304 $ 1,430,072 $ 219,234 $ 111,380 $ 1,760,686 Development tables 1,988,480 256,745 142,857 2,388,082 1,154,877 158,345 88,910 1,402,132 Variance $ 331,573 $ 99,291 $ 30,358 $ 461,222 $ 275,195 $ 60,889 $ 22,470 $ 358,554 Unallocated claims adjustment expenses $ 287,425 $ 12,912 $ 30,358 $ 330,695 $ 221,095 $ 8,211 $ 22,470 $ 251,776 Long-duration contracts — 32,859 — 32,859 — 17,851 — 17,851 Acquisition 44,148 — — 44,148 54,100 — — 54,100 Sale of Euroaccident — 53,520 — 53,520 — 34,827 — 34,827 Variance $ 331,573 $ 99,291 $ 30,358 $ 461,222 $ 275,195 $ 60,889 $ 22,470 $ 358,554 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: 2019 - Prior Accident Year Incurred 2019 - Prior Accident Year Paid Property and Casualty Accident and Health Reciprocal Total Property and Casualty Accident and Health Reciprocal Total Rollforward table $ 46,623 $ (45,356 ) $ 3,897 $ 5,164 $ 841,613 $ 109,653 $ 44,611 $ 995,877 Development tables 53,726 (33,400 ) 6,748 27,074 763,888 78,479 40,360 882,727 Variance $ (7,103 ) $ (11,956 ) $ (2,851 ) $ (21,910 ) $ 77,725 $ 31,174 $ 4,251 $ 113,150 Unallocated claims adjustment expenses $ (7,666 ) $ 89 $ (2,987 ) $ (10,564 ) $ 55,276 $ 5,339 $ 3,902 $ 64,517 Accident years prior to 2011 563 — 136 699 874 — 349 1,223 Delaware captive subsidiaries — (269 ) — (269 ) — (269 ) — (269 ) Long-duration contracts — (6,583 ) — (6,583 ) — 7,441 — 7,441 Acquisition — — — — 21,575 — — 21,575 Sale of Euroaccident — (5,193 ) — (5,193 ) — 18,663 — 18,663 Variance $ (7,103 ) $ (11,956 ) $ (2,851 ) $ (21,910 ) $ 77,725 $ 31,174 $ 4,251 $ 113,150 The $53,726 of unfavorable 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. Favorable prior year development of $7,103 in total attributable to liabilities excluded from the incurred development tables resulted in total P&C Loss and LAE unfavorable prior year development of $46,623 shown in the reserve rollforward table. The $33,400 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 $11,956 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 $45,356 shown in the reserve rollforward table. The $6,748 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 $2,851 in total attributable to liabilities excluded from the incurred development tables resulted in total Reciprocal Exchanges Loss and LAE unfavorable prior year development of $3,897 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. In accordance with Actuarial Standards of Practice, the Company generally uses multiple traditional methods in determining our estimates of the ultimate unpaid claim liabilities. Each of these methods require actuarial judgment and assumptions. The techniques can include, but are not limited to: • 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 t

Reinsurance

Reinsurance	12 Months Ended
	Dec. 31, 2019
Insurance [Abstract]
Reinsurance	Reinsurance The Company utilizes various excess of loss, quota share, state-based industry pools or facilities, and catastrophe reinsurance programs to limit its exposure. Reinsurance agreements transfer portions of the underlying risk of the business the Company writes. 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 the recoverables are fully collateralized . 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 consists of the following: December 31, 2019 2018 Reinsurance recoverable on paid losses $ 282,500 $ 326,596 Reinsurance recoverable on unpaid losses 1,111,808 1,285,142 Reinsurance recoverable $ 1,394,308 $ 1,611,738 The following is the effect of reinsurance on unpaid loss and LAE reserves and unearned premiums: December 31, 2019 2018 Assumed Ceded Assumed Ceded Unpaid loss and LAE reserves $ 50,884 $ 1,111,808 $ 84,469 $ 1,285,142 Unearned premiums 15,278 575,747 21,015 665,674 The following is the effect of reinsurance on premiums and loss and LAE: Year Ended December 31, 2019 2018 2017 Premium: Written Earned Written Earned Written Earned Direct $ 5,508,245 $ 5,486,835 $ 5,317,742 $ 5,049,512 $ 4,637,911 $ 4,233,184 Assumed 74,835 80,572 99,097 123,265 118,074 239,230 Total Gross Premium 5,583,080 5,567,407 5,416,839 5,172,777 4,755,985 4,472,414 Ceded (1,358,459 ) (1,449,365 ) (1,589,126 ) (1,440,575 ) (1,178,390 ) (818,238 ) Net Premium $ 4,224,621 $ 4,118,042 $ 3,827,713 $ 3,732,202 $ 3,577,595 $ 3,654,176 Year Ended December 31, 2019 2018 2017 Assumed Ceded Assumed Ceded Assumed Ceded Loss and LAE $ 32,745 $ 801,041 $ 29,290 $ 1,041,286 $ 128,418 $ 790,524 Quota Share Agreements In 2017, the Company entered into an Auto Quota Share Agreement (the “Auto Quota Share Agreement”) covering the Company’s auto line of business. Effective January 1, 2019, the Company ceded 7.0% of net liability. On July 1, 2019, the Company renewed its Auto Quota Share Agreement for a two-year term. Effective July 1, 2019, the Company ceded 10.0% of net liability with the ability to increase the cession to up to 30.0% and decrease the cession down to 5.0% under certain conditions. 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 64.7% or less and a minimum of 30.0% if the loss ratio is 67.5% or higher. Effective January 1, 2020, the Company cedes 5.0% of net liability under new and renewal auto policies written. In 2017, the Company entered into a Homeowners Quota Share Agreement (the “HO Quota Share Agreement”) covering the Company’s homeowners line of business. On July 1, 2019, the Company renewed its HO Quota Share Agreement for a one-year term. Effective July 1, 2019, the Company cedes 40.0% of net liability and receives a 36.0% ceding commission on new and renewal business and a portion of the in-force business. A portion of the in-force business is being run-off under the prior agreements. The weighted average expected ceding commission for all in-force business and new and renewal homeowners business is 37.5% over the contract term. Effective July 1, 2019, the Reciprocal Exchanges entered into a personal lines quota share agreement for a one-year term. The Reciprocal Exchanges cede 28.5% of net liability on new and renewal homeowners multiple peril, dwelling fire, and automobile physical damage (comprehensive only) policies written in the states of New Jersey and New York. Catastrophe Reinsurance Effective May 1, 2019, the Company’s reinsurance property catastrophe excess of loss program, protecting the Company against catastrophic events and other large losses, provides a total of $650,000 in coverage with one reinstatement with a $70,000 retention for the first event and $50,000 for the second event. As of July 1, 2018, the casualty program provides $35,000 in coverage in excess of a $5,000 retention. Effective October 1, 2019, the Company renewed the casualty program, for which coverage and retention will remain in effect and unchanged. The Company pays a premium as consideration for ceding the risk. Effective July 1, 2019, the Reciprocal Exchanges renewed their property catastrophe excess of loss program providing a total of $480,000 in coverage with a $20,000 retention, with one reinstatement. Industry Pools and Facilities The Company’s reinsurance programs include premiums written under state-mandated involuntary plans for automobile, motorcycle and commercial vehicles and premiums ceded to state-provided reinsurance facilities such as Michigan Catastrophic Claims Association (“MCCA”) and North Carolina Reinsurance Facility (“NCRF”) (collectively, “State Plans”), for which the Company 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 $555 in the first half of 2019 and $580 until June 30, 2021. 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 recoverable from MCCA are as follows: December 31, 2019 2018 Reinsurance recoverable on paid losses $ 9,940 $ 7,470 Reinsurance recoverable on unpaid losses 548,370 590,188 Reinsurance recoverable $ 558,310 $ 597,658 The following is a summary of premiums and losses ceded to MCCA: Year Ended December 31, 2019 2018 2017 Ceded earned premiums $ 9,867 $ 9,676 $ 9,323 Ceded Loss and LAE (23,616 ) (54,105 ) 14,304 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 recoverable from NCRF are as follows: December 31, 2019 2018 Reinsurance recoverable on paid losses $ 44,759 $ 36,418 Reinsurance recoverable on unpaid losses 146,496 134,916 Reinsurance recoverable $ 191,255 $ 171,334 The following is a summary of premiums and losses ceded to NCRF: Year Ended December 31, 2019 2018 2017 Ceded earned premiums $ 234,370 $ 232,270 $ 190,809 Ceded Loss and LAE 222,796 210,297 186,051 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 recoverable 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, 2019 A.M. Best Rating Unpaid Losses Paid Losses Prepaid Reinsurance Funds Held Net Reinsurer: MCCA NR (1) $ 548,370 $ 9,940 $ 3,927 $ — $ 562,237 NCRF NR (1) 146,496 44,759 88,022 — 279,277 Hannover Ruck SE A+ 155,223 101,064 134,878 (254,558 ) 136,607 Other reinsurers' balances - each less than 5% of total (2) — 261,719 126,737 348,920 (4,884 ) 732,492 Total $ 1,111,808 $ 282,500 $ 575,747 $ (259,442 ) $ 1,710,613 NGHC $ 1,027,634 $ 247,549 $ 469,853 $ (259,442 ) $ 1,485,594 Reciprocal Exchanges 84,174 34,951 105,894 — 225,019 Total $ 1,111,808 $ 282,500 $ 575,747 $ (259,442 ) $ 1,710,613 Recoverable on December 31, 2018 A.M. Best Unpaid Paid Prepaid Funds Held Net Reinsurer: MCCA NR (1) $ 590,188 $ 7,470 $ 3,894 $ — $ 601,552 NCRF NR (1) 134,916 36,418 82,550 — 253,884 Hannover Ruck SE A+ 182,184 120,624 192,700 (282,129 ) 213,379 Other reinsurers' balances - each less than 5% of total (2) — 377,854 162,084 386,530 (4,861 ) 921,607 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 (1) NR - not rated by A.M. Best (2) Rated A- or higher by A.M. Best or collateralized 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 $143,069 and $165,004 , as of December 31, 2019 and 2018 , respectively.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The Company files a consolidated Federal income tax return and is a party to a Federal income tax allocation agreement. Under the tax allocation agreement, each subsidiary computes and pays to the Company its respective share of the federal income tax liability primarily based on separate return calculations. The Reciprocal Exchanges are not a party to the tax allocation agreement and file separate tax returns. Federal income tax expense consisted of the following: Year Ended December 31, 2019 2018 2017 NGHC Reciprocal Exchanges Total NGHC Reciprocal Exchanges Total NGHC Reciprocal Exchanges Total Current tax expense (benefit) Federal $ 69,985 $ (2,257 ) $ 67,728 $ 27,039 $ (2,290 ) $ 24,749 $ 13,876 $ 2,840 $ 16,716 Foreign 2,621 — 2,621 1,376 — 1,376 2,057 — 2,057 Total current tax expense (benefit) $ 72,606 $ (2,257 ) $ 70,349 $ 28,415 $ (2,290 ) $ 26,125 $ 15,933 $ 2,840 $ 18,773 Deferred tax expense (benefit) Federal $ 13,497 $ (6,833 ) $ 6,664 $ 28,015 $ (1,260 ) $ 26,755 $ 59,304 $ (8,485 ) $ 50,819 Foreign — — — 604 — 604 (8,319 ) — (8,319 ) Total deferred tax expense (benefit) $ 13,497 $ (6,833 ) $ 6,664 $ 28,619 $ (1,260 ) $ 27,359 $ 50,985 $ (8,485 ) $ 42,500 Provision (benefit) for income taxes $ 86,103 $ (9,090 ) $ 77,013 $ 57,034 $ (3,550 ) $ 53,484 $ 66,918 $ (5,645 ) $ 61,273 The domestic and foreign components of income before taxes are as follows: Year Ended December 31, 2019 2018 2017 NGHC Reciprocal Total NGHC Reciprocal Total NGHC Reciprocal Total Domestic $ 358,079 $ (29,729 ) $ 328,350 $ 244,463 $ (43,380 ) $ 201,083 $ 221,833 $ (9,282 ) $ 212,551 Foreign 76,093 — 76,093 19,925 — 19,925 (49,070 ) — (49,070 ) Income (loss) $ 434,172 $ (29,729 ) $ 404,443 $ 264,388 $ (43,380 ) $ 221,008 $ 172,763 $ (9,282 ) $ 163,481 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. The TCJA included 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 treats both GILTI and BEAT as an in period tax charges 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, 2019 , the Company was subject to GILTI but was not subject to the BEAT. 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 2019 enacted rate of 21% . December 31, 2019 2018 NGHC Reciprocal Total NGHC Reciprocal Total Deferred tax assets: Accrued expenses $ 3,178 $ 683 $ 3,861 $ 6,481 $ — $ 6,481 Unearned premiums and other revenue 64,155 5,146 69,301 57,573 4,128 61,701 Bad debt 4,876 114 4,990 4,021 222 4,243 Loss reserve discount 10,355 1,042 11,397 9,902 767 10,669 Net operating loss carryforwards 102,535 13,962 116,497 87,457 11,403 98,860 Surplus note interest 2,081 — 2,081 — — — Unrealized capital losses — — — 10,013 1,236 11,249 Other 9,740 4,882 14,622 14,522 805 15,327 Gross deferred tax assets 196,920 25,829 222,749 189,969 18,561 208,530 Less: Valuation allowance (65,257 ) (6,523 ) (71,780 ) (53,716 ) (6,628 ) (60,344 ) Total deferred tax assets 131,663 19,306 150,969 136,253 11,933 148,186 Deferred tax liabilities: Deferred acquisition costs 49,828 4,894 54,722 47,415 4,201 51,616 Intangible assets 36,495 700 37,195 42,264 918 43,182 Goodwill 4,204 — 4,204 3,007 — 3,007 Property and equipment 28,922 — 28,922 18,920 — 18,920 Surplus note interest — 13,828 13,828 — 12,355 12,355 Unrealized capital gains 19,870 1,062 20,932 — — — Other 11,671 81 11,752 1,090 255 1,345 Gross deferred tax liabilities 150,990 20,565 171,555 112,696 17,729 130,425 Deferred tax asset $ — $ — $ — $ 23,557 $ — $ 23,557 Deferred tax liability $ (19,327 ) $ (1,259 ) $ (20,586 ) $ — $ (5,796 ) $ (5,796 ) Excluding the Reciprocal Exchanges, there were $65,257 and $53,716 of deferred tax asset valuation allowances as of December 31, 2019 and 2018 , 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. 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 Net Operating Loss (“NOL”) from foreign operations within a reasonable time period. For the year ended December 31, 2019 , the Company recorded a change in valuation allowance of $11,541 against these NOLs. For the Reciprocal Exchanges, the Company had a partial valuation allowance against the net deferred tax assets as of December 31, 2019 and 2018 , respectively, and no tax benefit from consolidated pre-tax losses generated for the years ended December 31, 2019 and 2018 , was recognized. For the year ended December 31, 2019 , New Jersey Skylands Insurance Association (“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 have a full valuation allowance recorded against it. Further, NJSIA did not have sufficient existing taxable temporary differences that could be considered as a source of taxable income to provide assurance of the realization of their deferred tax asset. Excluding the Reciprocal Exchanges, the Company had U.S. federal NOLs of $67,406 , $58,082 and $64,795 available for tax purposes for the years ended December 31, 2019 , 2018 and 2017 , respectively. The NOLs expire between December 31, 2029 and December 31, 2037. The Reciprocal Exchanges had NOLs of $66,484 , $54,300 and $18,592 available for the years ended December 31, 2019 , 2018 and 2017 , respectively. The NOLs expire between December 31, 2020 and December 31, 2039. 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 years ended December 31, 2019 and 2018 , and 35% for the year ended December 31, 2017 . The reasons for such differences are as follows: Year Ended December 31, 2019 NGHC Tax Rate Reciprocal Exchanges Tax Rate Total Tax Rate Income (loss) before provision for income taxes $ 434,172 $ (29,729 ) $ 404,443 Tax rate 21.0 % 21.0 % 21.0 % Computed “expected” tax expense $ 91,176 21.0 % $ (6,243 ) 21.0 % $ 84,933 21.0 % Tax effects resulting from: Tax-exempt interest (810 ) (0.2 ) (28 ) 0.1 (838 ) (0.2 ) Effect of foreign operations (1,192 ) (0.3 ) — — (1,192 ) (0.3 ) State taxes (2,357 ) (0.5 ) 210 (0.7 ) (2,147 ) (0.5 ) Change in valuation allowance 11,541 2.7 (105 ) 0.4 11,436 2.8 Benefits of operating loss carryforwards (11,541 ) (2.7 ) — — (11,541 ) (2.9 ) Other permanent items (714 ) (0.2 ) (2,924 ) 9.8 (3,638 ) (0.9 ) Provision (benefit) for income taxes $ 86,103 19.8 % $ (9,090 ) 30.6 % $ 77,013 19.0 % 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 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 % 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. The Company has not recorded an unrecognized tax position and has not recorded any related interest and penalties for any of the years ended December 31, 2019 , 2018 and 2017 . All tax liabilities are payable to the Internal Revenue Service (“IRS”) and various state and local taxing agencies. The Company’s subsidiaries are not currently under audit by the IRS, but remain open to audit years for the tax year 2016 and thereafter for federal tax purposes. For state and local tax purposes, the Company is open to audit for tax years ended December 31, 2014 forward, depending on jurisdiction.

Debt

Debt	12 Months Ended
	Dec. 31, 2019
Debt Disclosure [Abstract]
Debt	Debt The following table represents the Company’s debt: December 31, Interest Rate Maturity 2019 2018 Fixed-rate: 6.75% Notes 6.75% 2024 $ 350,000 $ 350,000 7.625% Notes 7.625% 2055 100,000 100,000 Floating-rate: Subordinated Debentures I (1) LIBOR + 3.40% 2035 41,238 41,238 Subordinated Debentures II (2) LIBOR + 4.25% 2037 30,930 30,930 2016 Credit Agreement (3) LIBOR + 2.00% — — 160,000 2019 Credit Agreement (4) LIBOR + 1.75% 2023 140,000 — Finance lease liabilities Various Various 20,477 14,824 Other 3.5% Various 9,342 15,522 Unamortized debt issuance costs and unamortized discount (5,981 ) (6,719 ) Total carrying amount of debt $ 686,006 $ 705,795 (1) Interest rate was 5.29% and 6.19% , as of December 31, 2019 and 2018 , respectively. (2) Interest rate was 6.14% and 7.04% , as of December 31, 2019 and 2018 , respectively. (3) Weighted-average interest rate was 4.58% as of December 31, 2018 . (4) Weighted-average interest rate was 3.59% as of December 31, 2019 . The following table presents the Company’s interest expense: Year Ended December 31, Interest Payment Frequency 2019 2018 2017 6.75% Notes Semiannually $ 23,625 $ 23,625 $ 23,688 7.625% Notes Quarterly 7,625 7,625 7,454 Subordinated Debentures Quarterly 4,536 4,346 3,768 2016 Credit Agreement Quarterly 1,211 7,491 4,229 2019 Credit Agreement Quarterly 5,340 — — Finance lease liabilities Various 1,176 621 894 Other (1) Various 8,030 7,717 7,053 Total interest expense $ 51,543 $ 51,425 $ 47,086 (1) Includes interest for other liabilities, interest credited on funds held balances and accretion of debt issuance costs. Notes 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. 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. Subordinated Debentures The Company, through a subsidiary, is the issuer of junior subordinated debentures (the “Subordinated Debentures”) relating to the 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 in 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. Credit Agreement On February 25, 2019 , the Company refinanced its existing credit agreement and entered into a new credit agreement (the “2019 Credit Agreement”), with JPMorgan Chase Bank, N.A., as Administrative Agent, KeyBank National Association and Fifth Third Bank, as Co-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 an expansion feature of up to $50,000 . Borrowings under the 2019 Credit Agreement bear interest at either the Alternate Base Rate (“ABR”) or the LIBO rate. ABR borrowings under the 2019 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 LIBO rate for a one-month interest period on such day plus 1 percent . Eurodollar borrowings under the 2019 Credit Agreement will bear interest at the adjusted LIBO rate plus the Eurodollar spread for the interest period in effect. Fees payable by the Company under the 2019 Credit Agreement include a letter of credit participation fee, 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 0.175% to 0.25% based on the Company’s consolidated leverage ratio; as of December 31, 2019 , the rate was 0.225% ). The 2019 Credit Agreement has a maturity date of February 25, 2023. Maturities of the Company’s debt for the years subsequent to December 31, 2019 are as follows: 2020 2021 2022 2023 2024 Thereafter Total 6.75% Notes $ — $ — $ — $ — $ 350,000 $ — $ 350,000 7.625% Notes — — — — — 100,000 100,000 Subordinated Debentures I — — — — — 41,238 41,238 Subordinated Debentures II — — — — — 30,930 30,930 2019 Credit Agreement — — — 140,000 — — 140,000 Finance lease liabilities 6,653 5,278 2,997 1,750 1,242 2,557 20,477 Other 6,399 2,943 — — — — 9,342 Total principal amount of debt $ 13,052 $ 8,221 $ 2,997 $ 141,750 $ 351,242 $ 174,725 $ 691,987 Unamortized debt issuance costs and unamortized discount (5,981 ) Carrying amount of debt $ 686,006 Covenants and Compliance The indenture relating to the 6.75% Notes and 7.625% Notes contains customary covenants, such as reporting of annual and quarterly financial results, and restrictions on certain mergers and consolidations, as well as 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 2019 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 risk-based capital and a minimum rating. The 2019 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 2019 Credit Agreement , declare the Company’s obligations under the 2019 Credit Agreement to become immediately due and payable and/or exercise any and all remedies and other rights under the 2019 Credit Agreement . As of December 31, 2019 , the Company was in compliance with the covenants contained in the Company’s debt agreements.

Leases

Leases	12 Months Ended
	Dec. 31, 2019
Leases [Abstract]
Leases	Leases The Company determines if an arrangement is a lease at inception. Operating lease ROU assets and operating leases liabilities are recognized based on the present value of the future minimum lease payments over the lease term at commencement date. The Company uses an incremental borrowing rate at commencement date in determining the present value of future payments. The Company has lease agreements with lease and non-lease components, which are generally accounted for separately. The Company elected the package of practical expedients permitted under the transition guidance within the new standard. Application of the package of practical expedients allowed the Company not to reassess a) whether any expired or existing contracts contain leases, b) existing lease classification, c) initial direct cost for existing leases, and d) land easements that existed before the Company's adoption of the new standard. The Company leases certain retail stores, office space, land, and equipment. Leases with an initial term of 12 months or less are not recorded on the balance sheets; the Company recognizes lease expense for these leases over the lease term. Most leases include one or more options to renew, with renewal terms that can extend the lease term from one to five years or more. The exercise of lease renewal options is at the Company’s sole discretion. Certain leases also include options to purchase the leased property. The depreciable life of assets and leasehold improvements are limited by the expected lease term, unless there is a transfer of title or purchase option reasonably certain of exercise. Certain of the Company's lease agreements include rental payments adjusted periodically for inflation. The Company's lease agreements do not contain any material residual value guarantees or material restrictive covenants. The Company rents or subleases certain real estate to third parties. Supplemental balance sheet information related to leases is as follow: Leases Classification December 31, 2019 Assets: Finance Buildings and improvements $ 9,068 Finance Vehicle 7,660 Finance Hardware, software and other equipment 4,276 Total finance leases Finance lease right-of-use assets 21,004 Operating Buildings 119,276 Operating Hardware, software and other equipment 658 Total operating leases Operating lease right-of-use assets 119,934 Total lease right-of-use assets Property and equipment $ 140,938 Liabilities: Finance Debt $ 20,477 Operating Other liabilities 124,960 Total lease liabilities $ 145,437 The components of lease cost are as follows: Lease Cost Classification Year Ended December 31, 2019 Finance lease cost: Amortization of leased assets General and administrative expenses $ 7,859 Interest on lease liabilities Interest expense 1,176 Finance lease cost $ 9,035 Operating lease cost General and administrative expenses $ 32,901 Maturities of the Company’s lease liabilities for the years subsequent to December 31, 2019 are as follows: Operating Leases Finance Leases Total 2020 $ 28,913 $ 7,547 $ 36,460 2021 26,245 5,817 32,062 2022 22,099 3,367 25,466 2023 18,541 2,010 20,551 2024 16,316 1,428 17,744 Thereafter 34,300 2,761 37,061 Total lease payments $ 146,414 $ 22,930 $ 169,344 Less: Interest (21,454 ) (2,453 ) Present value of lease liabilities $ 124,960 $ 20,477 Supplemental information related to term and discount rate are as follow: Leases Classification December 31, 2019 Weighted-average remaining lease term: Finance Buildings and improvements 7.2 years Finance Vehicle 2.8 years Finance Hardware, software and other equipment 1.6 years Operating Operating lease right-of-use assets 6.0 years Weighted-average discount rate: Finance Buildings and improvements 5.9 % Finance Vehicle 4.1 % Finance Hardware, software and other equipment 3.9 % Operating Operating lease right-of-use assets 5.3 % Supplemental cash flow information related to leases is as follow: Year Ended December 31, 2019 Cash paid for amounts included in the measurement of lease liabilities Operating cash flows from finance leases $ 990 Financing cash flows from finance leases 5,664 Operating cash flows from operating leases 23,105 Leased assets obtained in exchange for new finance lease liabilities 11,317 Leased assets obtained in exchange for new operating lease liabilities 35,456
Leases	Leases The Company determines if an arrangement is a lease at inception. Operating lease ROU assets and operating leases liabilities are recognized based on the present value of the future minimum lease payments over the lease term at commencement date. The Company uses an incremental borrowing rate at commencement date in determining the present value of future payments. The Company has lease agreements with lease and non-lease components, which are generally accounted for separately. The Company elected the package of practical expedients permitted under the transition guidance within the new standard. Application of the package of practical expedients allowed the Company not to reassess a) whether any expired or existing contracts contain leases, b) existing lease classification, c) initial direct cost for existing leases, and d) land easements that existed before the Company's adoption of the new standard. The Company leases certain retail stores, office space, land, and equipment. Leases with an initial term of 12 months or less are not recorded on the balance sheets; the Company recognizes lease expense for these leases over the lease term. Most leases include one or more options to renew, with renewal terms that can extend the lease term from one to five years or more. The exercise of lease renewal options is at the Company’s sole discretion. Certain leases also include options to purchase the leased property. The depreciable life of assets and leasehold improvements are limited by the expected lease term, unless there is a transfer of title or purchase option reasonably certain of exercise. Certain of the Company's lease agreements include rental payments adjusted periodically for inflation. The Company's lease agreements do not contain any material residual value guarantees or material restrictive covenants. The Company rents or subleases certain real estate to third parties. Supplemental balance sheet information related to leases is as follow: Leases Classification December 31, 2019 Assets: Finance Buildings and improvements $ 9,068 Finance Vehicle 7,660 Finance Hardware, software and other equipment 4,276 Total finance leases Finance lease right-of-use assets 21,004 Operating Buildings 119,276 Operating Hardware, software and other equipment 658 Total operating leases Operating lease right-of-use assets 119,934 Total lease right-of-use assets Property and equipment $ 140,938 Liabilities: Finance Debt $ 20,477 Operating Other liabilities 124,960 Total lease liabilities $ 145,437 The components of lease cost are as follows: Lease Cost Classification Year Ended December 31, 2019 Finance lease cost: Amortization of leased assets General and administrative expenses $ 7,859 Interest on lease liabilities Interest expense 1,176 Finance lease cost $ 9,035 Operating lease cost General and administrative expenses $ 32,901 Maturities of the Company’s lease liabilities for the years subsequent to December 31, 2019 are as follows: Operating Leases Finance Leases Total 2020 $ 28,913 $ 7,547 $ 36,460 2021 26,245 5,817 32,062 2022 22,099 3,367 25,466 2023 18,541 2,010 20,551 2024 16,316 1,428 17,744 Thereafter 34,300 2,761 37,061 Total lease payments $ 146,414 $ 22,930 $ 169,344 Less: Interest (21,454 ) (2,453 ) Present value of lease liabilities $ 124,960 $ 20,477 Supplemental information related to term and discount rate are as follow: Leases Classification December 31, 2019 Weighted-average remaining lease term: Finance Buildings and improvements 7.2 years Finance Vehicle 2.8 years Finance Hardware, software and other equipment 1.6 years Operating Operating lease right-of-use assets 6.0 years Weighted-average discount rate: Finance Buildings and improvements 5.9 % Finance Vehicle 4.1 % Finance Hardware, software and other equipment 3.9 % Operating Operating lease right-of-use assets 5.3 % Supplemental cash flow information related to leases is as follow: Year Ended December 31, 2019 Cash paid for amounts included in the measurement of lease liabilities Operating cash flows from finance leases $ 990 Financing cash flows from finance leases 5,664 Operating cash flows from operating leases 23,105 Leased assets obtained in exchange for new finance lease liabilities 11,317 Leased assets obtained in exchange for new operating lease liabilities 35,456

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2019
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 entered in the following transactions with these related entities : 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”) through August 2013, when the Company terminated the NGHC Quota Share agreement on a run-off basis. In October 2019, the NGHC Quota Share Agreement was commuted based on the then-current reserves and no gain or loss was recorded. The net reinsurance recoverable was $7,425 at December 31, 2018 . Ceded losses and LAE under the agreement was $624 , $2,157 and $3,356 during the years ended December 31, 2019 , 2018 and 2017 , respectively. 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 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 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, 2019 and 2018 the Company had a receivable for the principal amount related to the ACP Re Credit Agreement of $129,229 and $127,692 , respectively. The Company recorded interest income of $4,767 , $4,711 and $4,654 for the years ended December 31, 2019 , 2018 and 2017 , respectively, under the ACP Re Credit Agreement. Management determined no impairment reserve was needed for the carrying value of the loan at December 31, 2019 and 2018 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 , $830 and $783 in rent for the years ended December 31, 2019 , 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 $309 , $302 and $297 in rent for the years ended December 31, 2019 , 2018 and 2017 , respectively.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies Lease Commitments The Company leases certain retail stores, office space, land, and equipment. See Note 12 , “ Leases ” for additional information. 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, 2020 $ 5,560 2021 2,601 2022 2,420 2023 1,285 2024 773 Total $ 12,639 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. On July 25, 2019, the City of North Miami Beach Police Officers’ and Firefighters’ Retirement Plan filed a complaint in the U.S. District Court for the Central District of California against the Company and certain of its officers. The plaintiff purports to represent a class of individuals and entities who purchased or otherwise acquired shares of the Company’s common stock between August 5, 2015 and August 9, 2017. The complaint asserts claims under Sections 10(b) and 20(a) of the Exchange Act and Rule 10b-5 promulgated thereunder based on allegedly false and misleading statements made by the Company in its SEC filings in relationship to the Company’s involvement in the historical and no longer existing Wells Fargo collateral protection insurance program. The complaint seeks damages in an amount to be proven at trial. On November 19, 2019, the U.S. District Court for the Central District of California granted the Company’s Motion to Transfer the case to the Southern District of New York. On January 10, 2020, lead plaintiffs Town of Davie Police Officers Retirement System and Massachusetts Laborers’ Pension Fund filed an amended Complaint alleging similar claims under Sections 10(b) and 20(a) of the Exchange Act and Rule 10b-5 promulgated thereunder on behalf of a purported class of individuals and entities who purchased or otherwise acquired shares of the Company’s common stock between July 15, 2015 and August 9, 2017. Management believes that the claims set forth in the amended complaint are unfounded and without merit and intend to vigorously contest them. The Company note, however, that in light of the inherent uncertainty in legal proceedings, the Company can give no assurance as to the ultimate resolution of the matter, and an estimate of the possible loss or range of loss, if any, cannot be made at this time.

Stockholders' Equity

Stockholders' Equity	12 Months Ended
	Dec. 31, 2019
Equity [Abstract]
Stockholders' Equity	Stockholders’ Equity 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. In 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 at the time of redemption and (ii) the trading price of the Company’s common stock equals or exceeds the then-applicable conversion price of the Series D Preferred Stock. In such case, the redemption amount will be a cash amount equal to the conversion value of the shares issuable upon conversion of the Series D Preferred Stock. The Series D Preferred Stock ranks senior to the common stock and on parity with the Company’s Series A, B and C preferred stock and all other parity classes of preferred stock that may be issued by the Company in the future. A summary description of the terms of these series of preferred stock is presented in the table below: Series Dividend rate per year Shares of preferred stock issued Depositary shares issued Liquidation preference (Per Share) Aggregate liquidation preference A 7.50 % 2,200,000 — $ 25 $ 55,000 B 7.50 % 165,000 6,600,000 $ 1,000 $ 165,000 C 7.50 % 200,000 8,000,000 $ 1,000 $ 200,000 D Fixed/ Floating (1) 120 — $ 250,000 $ 30,000 (1) Dividend rate is fixed at 7.00% prior to July 15, 2023 and floating at six-month LIBOR plus 5.4941% thereafter. Common Stock and Preferred Stock Dividends Dividends are payable on the Company’s common and preferred stock only when, as and if declared by the Company’s Board of Directors in its discretion, from funds legally available for this purpose. The following tables present the class of stock, declaration date and dividends paid per share in 2019 , 2018 and 2017 : Class of Stock Declaration Date Dividend Dividend Per Depositary Share Common stock October 30, 2019 $ 0.05 Common stock July 29, 2019 $ 0.05 Common stock May 6, 2019 $ 0.04 Common stock February 25, 2019 $ 0.04 Preferred stock Series A October 30, 2019 $ 0.46875 Preferred stock Series A July 29, 2019 $ 0.46875 Preferred stock Series A May 6, 2019 $ 0.46875 Preferred stock Series A February 25, 2019 $ 0.46875 Preferred stock Series B and Series C October 30, 2019 $ 18.75 $ 0.46875 Preferred stock Series B and Series C July 29, 2019 $ 18.75 $ 0.46875 Preferred stock Series B and Series C May 6, 2019 $ 18.75 $ 0.46875 Preferred stock Series B and Series C February 25, 2019 $ 18.75 $ 0.46875 Preferred stock Series D October 30, 2019 $ 8,750.00 Preferred stock Series D May 6, 2019 $ 8,750.00 Class of Stock Declaration Date Dividend Dividend Per Depositary Share Common stock October 29, 2018 $ 0.04 Common stock August 6, 2018 $ 0.04 Common stock May 7, 2018 $ 0.04 Common stock February 26, 2018 $ 0.04 Preferred stock Series A October 29, 2018 $ 0.46875 Preferred stock Series A August 6, 2018 $ 0.46875 Preferred stock Series A May 7, 2018 $ 0.46875 Preferred stock Series A February 26, 2018 $ 0.46875 Preferred stock Series B and Series C October 29, 2018 $ 18.75 $ 0.46875 Preferred stock Series B and Series C August 6, 2018 $ 18.75 $ 0.46875 Preferred stock Series B and Series C May 7, 2018 $ 18.75 $ 0.46875 Preferred stock Series B and Series C February 26, 2018 $ 18.75 $ 0.46875 Preferred stock Series D October 29, 2018 $ 8,263.89 Class of Stock Declaration Date Dividend Dividend Per Depositary Share Common stock November 6, 2017 $ 0.04 Common stock August 7, 2017 $ 0.04 Common stock May 9, 2017 $ 0.04 Common stock February 24, 2017 $ 0.04 Preferred stock Series A November 6, 2017 $ 0.46875 Preferred stock Series A August 7, 2017 $ 0.46875 Preferred stock Series A May 9, 2017 $ 0.46875 Preferred stock Series A February 24, 2017 $ 0.46875 Preferred stock Series B and Series C November 6, 2017 $ 18.75 $ 0.46875 Preferred stock Series B and Series C August 7, 2017 $ 18.75 $ 0.46875 Preferred stock Series B and Series C May 9, 2017 $ 18.75 $ 0.46875 Preferred stock Series B and Series C February 24, 2017 $ 18.75 $ 0.46875

Benefits Plan

Benefits Plan	12 Months Ended
	Dec. 31, 2019
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 $10,212 , $9,292 and $8,049 for the years ended December 31, 2019 , 2018 and 2017 , respectively.

Statutory Financial Data, Risk-

Statutory Financial Data, Risk-Based Capital and Dividends Restrictions	12 Months Ended
	Dec. 31, 2019
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, 2019 and 2018 , 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, 2020 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 $255,393 and $227,544 as of December 31, 2019 and 2018 , respectively. Statutory Financial Data During 2019 , the Company acquired one domestic property and casualty insurance company and sold one foreign life insurance company. The following tables present the statutory capital and surplus, and net income under SAP: December 31, Statutory capital and surplus 2019 2018 Property and Casualty Insurance Companies: Domestic $ 1,547,091 $ 1,305,640 Foreign 755,545 583,872 Total $ 2,302,636 $ 1,889,512 Life Insurance Companies: Domestic $ 53,334 $ 40,813 Year Ended December 31, Statutory net income (loss) 2019 2018 2017 Property and Casualty Insurance Companies: Domestic $ 156,404 $ 16,737 $ 194,677 Foreign 102,584 64,810 9,275 Total $ 258,988 $ 81,547 $ 203,952 Life Insurance Companies: Domestic $ 7,232 $ 9,827 $ 8,987 Reciprocal Exchanges The Reciprocal Exchanges prepare their statutory basis financial statements under SAP. As of December 31, 2019 and 2018 , the Reciprocal Exchanges had combined statutory capital and surplus of $87,421 and $103,582 , respectively. For the years ended December 31, 2019 , 2018 and 2017 , the Reciprocal Exchanges had combined SAP net income (loss) of $(22,237) , $(24,194) and $1,411 , respectively. The Reciprocal Exchanges are required to maintain minimum capital and surplus in accordance with regulatory requirements. As of December 31, 2019 and 2018 , 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. Due to the finalization of the Company’s combined statutory filings, amounts for 2018 and 2017 have changed compared to the previously reported in our Annual Report on Form 10-K for the year ended December 31, 2018. 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 $402,970 and $287,896 as of December 31, 2019 and 2018 , respectively. During the years ended December 31, 2019 , 2018 and 2017 , there were $7,000 , $156,660 and $339,398 of dividends and return of capital paid by the Company’s insurance subsidiaries to their parent company or the Company, respectively.

Share-Based Compensation

Share-Based Compensation	12 Months Ended
	Dec. 31, 2019
Share-based Payment Arrangement [Abstract]
Share-Based Compensation	Stock-Based Compensation Effective May 6, 2019, the Company’s stockholders approved the 2019 Omnibus Incentive Plan (the “2019 Plan”). The 2019 Plan authorizes up to 2.5 million shares of the Company’s stock for awards of stock options, stock appreciation rights, restricted stock, restricted stock units, performance share units, performance units, cash-based awards or other stock-based awards. The number of shares of common stock for which awards may be issued may not exceed 2.5 million 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. The 2019 Plan serves as a successor of the Company’s prior equity incentive plans. Outstanding awards under the prior plans continue to be outstanding and subject to their terms and conditions. As of December 31, 2019 , approximately 2.5 million shares of the Company’s common stock remained available for grants under the 2019 Plan. 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. RSUs vest over three or four years . RSUs are net share settled. Under the net share settlement procedures, upon each settlement date, RSUs were withheld to cover the required withholding tax, which is based on the value of the RSUs 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. Stock Options A summary of the stock option awards granted under the prior plans is shown below: Shares Subject to Options Outstanding Year Ended December 31, 2019 Number of Shares Weighted-Average Weighted-Average Aggregate (1) Outstanding at beginning of year 3,184,352 $ 9.53 Exercised (158,765 ) 3.76 Outstanding and exercisable at end of year 3,025,587 $ 9.83 3.15 $ 37,122 (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 $22.10 , as reported on the Nasdaq Global Market on December 31, 2019 . No options were granted, forfeited or expired during the year ended December 31, 2019 . The total intrinsic value of the options exercised during the years ended December 31, 2019 , 2018 and 2017 was $3,105 , $5,011 and $1,782 , respectively. The total fair value of stock options vested for the years ended December 31, 2019 , 2018 and 2017 was $239 , $783 and $501 , respectively. Restricted Stock Units A summary of the RSUs is shown below: RSUs Year Ended December 31, 2019 Number of RSUs Weighted-Average Non-vested at beginning of year 938,795 $ 22.28 Granted 538,741 25.42 Vested (419,436 ) 22.07 Forfeited (24,469 ) 23.29 Non-vested at end of year 1,033,631 $ 23.98 The weighted-average grant-date fair value of RSUs for the years ended December 31, 2019 , 2018 and 2017 was $25.42 , $21.36 and $24.06 , respectively. The total fair value of the RSUs vested for the years ended December 31, 2019 , 2018 and 2017 was $9,259 , $7,068 and $3,661 , respectively. Stock-Based Compensation Expense Stock-based compensation expense, included in general and administrative expenses, for all stock-based compensation plans was $10,996 , $9,020 and $8,324 for the years ended December 31, 2019 , 2018 and 2017 , respectively. As of December 31, 2019 , the Company had approximately $16,205 of stock-based compensation expense related to nonvested awards not yet recognized, all of which was related to RSUs. This stock-based compensation expense is expected to be recognized over a weighted-average period of approximately 1.4 years .

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2019
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, 2019 2018 2017 Numerator: Net income attributable to NGHC $ 348,069 $ 207,354 $ 105,845 Preferred stock dividends - nonconvertible (31,500 ) (31,500 ) (31,500 ) Preferred stock dividends - convertible (2,100 ) (992 ) — Numerator for basic EPS 314,469 174,862 74,345 Effect of dilutive securities: Preferred stock dividends - convertible 2,100 992 — Numerator for diluted EPS - after assumed conversions $ 316,569 $ 175,854 $ 74,345 Denominator: Denominator for basic EPS - weighted-average shares outstanding 113,199,501 107,659,813 106,588,402 Effect of dilutive securities: Employee stock options 1,833,736 2,053,681 1,947,546 RSUs 274,262 319,089 216,314 Convertible preferred stock 789,473 789,473 — Dilutive potential common shares 2,897,471 3,162,243 2,163,860 Denominator for diluted EPS - weighted-average shares outstanding and assumed conversions 116,096,972 110,822,056 108,752,262 Basic EPS $ 2.78 $ 1.62 $ 0.70 Diluted EPS $ 2.73 $ 1.59 $ 0.68

Segment Information

Segment Information	12 Months Ended
	Dec. 31, 2019
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 receivable, 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, 2019 Property and Casualty Accident and Health Corporate and Other Total Underwriting revenues: Gross premium written $ 4,814,463 $ 768,617 $ — $ 5,583,080 Ceded premiums (1,250,448 ) (108,011 ) — (1,358,459 ) Net premium written 3,564,015 660,606 — 4,224,621 Change in unearned premium (108,992 ) 2,413 — (106,579 ) Net earned premium 3,455,023 663,019 — 4,118,042 Ceding commission income 227,514 10,939 — 238,453 Service and fee income 392,478 249,487 — 641,965 Total underwriting revenues 4,075,015 923,445 — 4,998,460 Underwriting expenses: Loss and loss adjustment expense 2,543,788 310,680 — 2,854,468 Acquisition costs and other underwriting expenses 605,019 222,348 — 827,367 General and administrative expenses 773,291 254,208 14,273 1,041,772 Total underwriting expenses 3,922,098 787,236 14,273 4,723,607 Underwriting income 152,917 136,209 (14,273 ) 274,853 Net investment income — — 141,233 141,233 Net gain on investments — — 13,473 13,473 Other income — — 26,428 26,428 Interest expense — — (51,544 ) (51,544 ) Provision for income taxes — — (77,013 ) (77,013 ) Net loss attributable to noncontrolling interest — — 20,639 20,639 Net income attributable to NGHC $ 152,917 $ 136,209 $ 58,943 $ 348,069 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 loss attributable to noncontrolling 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 expense — — (198 ) (198 ) Interest expense — — (47,086 ) (47,086 ) Provision for income taxes — — (61,273 ) (61,273 ) Net loss attributable to noncontrolling interest — — 3,637 3,637 Net income attributable to NGHC $ 17,981 $ 44,071 $ 43,793 $ 105,845 The following tables summarize the financial position of the operating segments: December 31, 2019 Property and Casualty Accident and Health Corporate and Other Total Premiums and other receivables, net $ 1,292,813 $ 131,877 $ 4,258 $ 1,428,948 Deferred acquisition costs 239,293 24,230 — 263,523 Reinsurance recoverable 1,377,284 17,024 — 1,394,308 Prepaid reinsurance premiums 575,712 35 — 575,747 Intangible assets, net and Goodwill 436,724 108,427 — 545,151 Prepaid and other assets 56,960 32,852 4,830 94,642 Corporate and other assets — — 5,454,215 5,454,215 Total assets $ 3,978,786 $ 314,445 $ 5,463,303 $ 9,756,534 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 The following table shows an analysis of the premiums by geographical location: Year Ended December 31, 2019 2018 2017 NGHC Reciprocal Total NGHC Reciprocal Total NGHC Reciprocal Total Gross premium written - North America $ 4,996,296 $ 447,447 $ 5,443,743 $ 4,817,658 $ 448,923 $ 5,266,581 $ 4,252,691 $ 383,773 $ 4,636,464 Gross premium written - Europe 139,337 — 139,337 150,258 — 150,258 119,521 — 119,521 Total $ 5,135,633 $ 447,447 $ 5,583,080 $ 4,967,916 $ 448,923 $ 5,416,839 $ 4,372,212 $ 383,773 $ 4,755,985 Net premium written - North America $ 3,900,980 $ 234,472 $ 4,135,452 $ 3,523,060 $ 183,565 $ 3,706,625 $ 3,282,425 $ 175,649 $ 3,458,074 Net premium written - Europe 89,169 — 89,169 121,088 — 121,088 119,521 — 119,521 Total $ 3,990,149 $ 234,472 $ 4,224,621 $ 3,644,148 $ 183,565 $ 3,827,713 $ 3,401,946 $ 175,649 $ 3,577,595 Net earned premium - North America $ 3,816,441 $ 210,231 $ 4,026,672 $ 3,434,386 $ 186,761 $ 3,621,147 $ 3,367,695 $ 169,871 $ 3,537,566 Net earned premium - Europe 91,370 — 91,370 111,055 — 111,055 116,610 — 116,610 Total $ 3,907,811 $ 210,231 $ 4,118,042 $ 3,545,441 $ 186,761 $ 3,732,202 $ 3,484,305 $ 169,871 $ 3,654,176 The following table summarizes service and fee income by source within each operating segment: Year Ended December 31, 2019 2018 2017 Property Accident Total Property Accident Total Property Accident Total Commission revenue $ 87,486 $ 83,476 $ 170,962 $ 93,235 $ 70,086 $ 163,321 $ 78,678 $ 67,015 $ 145,693 Finance and processing fees 128,302 6,197 134,499 121,058 4,535 125,593 117,122 7,183 124,305 Group health administrative fees — 100,951 100,951 — 79,411 79,411 — 62,217 62,217 Installment fees 97,997 — 97,997 92,785 — 92,785 83,883 — 83,883 Late payment fees 34,210 309 34,519 33,765 86 33,851 27,184 121 27,305 Other service and fee income 44,483 58,554 103,037 34,760 31,862 66,622 41,446 18,078 59,524 Total $ 392,478 $ 249,487 $ 641,965 $ 375,603 $ 185,980 $ 561,583 $ 348,313 $ 154,614 $ 502,927 NGHC $ 386,723 $ 249,487 $ 636,210 $ 369,852 $ 185,980 $ 555,832 $ 342,519 $ 154,614 $ 497,133 Reciprocal Exchanges 5,755 — 5,755 5,751 — 5,751 5,794 — 5,794 Total $ 392,478 $ 249,487 $ 641,965 $ 375,603 $ 185,980 $ 561,583 $ 348,313 $ 154,614 $ 502,927 The following tables show an analysis of premiums and fee income by product line: Year Ended December 31, Gross Premium Written 2019 2018 2017 Property and Casualty Personal Auto $ 2,721,202 $ 2,637,176 $ 2,334,838 Homeowners 718,819 688,006 558,827 RV/Packaged 212,746 208,394 187,475 Small Business Auto 315,569 319,299 316,958 Lender-placed Insurance 342,267 363,056 345,354 Other 56,413 53,876 47,358 Total Property and Casualty 4,367,016 4,269,807 3,790,810 Accident and Health Group 288,549 239,729 206,340 Individual 340,731 308,122 255,541 International 139,337 150,258 119,521 Total Accident and Health 768,617 698,109 581,402 Total NGHC $ 5,135,633 $ 4,967,916 $ 4,372,212 Reciprocal Exchanges Personal Auto $ 152,688 $ 153,129 $ 132,844 Homeowners 290,972 291,907 247,460 Other 3,787 3,887 3,469 Total Reciprocal Exchanges $ 447,447 $ 448,923 $ 383,773 Total Gross Premium Written $ 5,583,080 $ 5,416,839 $ 4,755,985 Year Ended December 31, Net Premium Written 2019 2018 2017 Property and Casualty Personal Auto $ 2,260,385 $ 2,016,858 $ 1,824,932 Homeowners 404,278 331,120 275,013 RV/Packaged 198,737 206,740 185,993 Small Business Auto 249,067 233,456 246,072 Lender-placed Insurance 198,171 202,069 313,124 Other 18,905 27,366 21,516 Total Property and Casualty 3,329,543 3,017,609 2,866,650 Accident and Health Group 231,388 197,386 160,234 Individual 340,049 308,065 255,541 International 89,169 121,088 119,521 Total Accident and Health 660,606 626,539 535,296 Total NGHC $ 3,990,149 $ 3,644,148 $ 3,401,946 Reciprocal Exchanges Personal Auto $ 134,958 $ 61,759 $ 68,292 Homeowners 98,009 120,875 105,536 Other 1,505 931 1,821 Total Reciprocal Exchanges $ 234,472 $ 183,565 $ 175,649 Total Net Premium Written $ 4,224,621 $ 3,827,713 $ 3,577,595 Year Ended December 31, Net Earned Premium 2019 2018 2017 Property and Casualty Personal Auto $ 2,190,748 $ 1,927,667 $ 1,828,304 Homeowners 405,306 329,850 349,709 RV/Packaged 195,639 197,258 175,888 Small Business Auto 252,359 237,587 251,576 Lender-placed Insurance 182,231 215,811 321,995 Other 18,509 20,855 23,550 Total Property and Casualty 3,244,792 2,929,028 2,951,022 Accident and Health Group 231,398 197,406 160,280 Individual 340,251 307,952 256,393 International 91,370 111,055 116,610 Total Accident and Health 663,019 616,413 533,283 Total NGHC $ 3,907,811 $ 3,545,441 $ 3,484,305 Reciprocal Exchanges Personal Auto $ 106,549 $ 59,923 $ 66,565 Homeowners 101,964 125,806 101,648 Other 1,718 1,032 1,658 Total Reciprocal Exchanges $ 210,231 $ 186,761 $ 169,871 Total Net Earned Premium $ 4,118,042 $ 3,732,202 $ 3,654,176 Year Ended December 31, Fee Income 2019 2018 2017 Property and Casualty Service and Fee Income $ 386,723 $ 369,852 $ 342,519 Ceding Commission Income 164,013 160,945 55,263 Total Property and Casualty 550,736 530,797 397,782 Accident and Health Service and Fee Income Group 134,206 104,504 76,173 Individual 9,650 9,304 14,392 Third Party Fee 105,631 72,172 64,049 Total Service and Fee Income 249,487 185,980 154,614 Ceding Commission Income 10,939 7,003 1,013 Total Accident and Health 260,426 192,983 155,627 Total NGHC $ 811,162 $ 723,780 $ 553,409 Reciprocal Exchanges Service and Fee Income $ 5,755 $ 5,751 $ 5,794 Ceding Commission Income 63,501 56,749 60,180 Total Reciprocal Exchanges $ 69,256 $ 62,500 $ 65,974 Total Fee Income $ 880,418 $ 786,280 $ 619,383

Selected Quarterly Financial Da

Selected Quarterly Financial Data (Unaudited)	12 Months Ended
	Dec. 31, 2019
Quarterly Financial Information Disclosure [Abstract]
Selected Quarterly Financial Data (Unaudited)	Selected Quarterly Financial Data (Unaudited) The following tables summarize quarterly financial data: 2019 March 31, June 30, September 30, December 31, Total revenues $ 1,232,665 $ 1,269,652 $ 1,308,172 $ 1,369,105 Total expenses 1,124,820 1,170,353 1,231,186 1,248,792 Provision for income taxes 22,506 22,241 16,747 15,519 Net income 85,339 77,058 60,239 104,794 Net income attributable to NGHC 91,758 77,876 71,154 107,281 Net income attributable to NGHC common stockholders 83,883 68,951 63,279 98,356 Basic EPS $ 0.74 $ 0.61 $ 0.56 $ 0.87 Diluted EPS $ 0.72 $ 0.60 $ 0.54 $ 0.85 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 Due to changes in number of shares outstanding from quarter to quarter, the total earnings per share of the four quarters may not necessarily equal the earnings per share for the year.

Business Disposition

Business Disposition	12 Months Ended
	Dec. 31, 2019
Discontinued Operations and Disposal Groups [Abstract]
Business Disposition	Business Disposition Sale of Euro Accident Health and Care Insurance On December 2, 2019, the Company sold its Euro Accident Health and Care Insurance Sweden operation to an investor group focused on Nordic healthcare investments. The sale price for this transaction was $139,021 and resulted in a $26,428 gain included in other income (expense) . This transaction impacted the Company’s Accident and Health segment. The following table summarizes the carrying amounts transferred to the buyer in the connection of the sale: Assets: Debt securities, available-for-sale, at fair value $ 145,485 Cash and cash equivalents 46,731 Accrued investment income 970 Premiums and other receivables, net 29,015 Deferred acquisition costs 2,940 Reinsurance recoverable 36,819 Prepaid reinsurance premiums 4,151 Property and equipment, net 2,456 Prepaid and other assets 858 Total assets $ 269,425 Liabilities: Unpaid loss and loss adjustment expense reserves $ 114,220 Unearned premiums and other revenue 26,020 Reinsurance payable 50,748 Accounts payable and accrued expenses 3,622 Other liabilities 119 Total liabilities $ 194,729 Net assets sold $ 74,696 Reconciliation of the gain on sale: Cash received $ 139,021 Net assets sold (74,696 ) Realized AOCI (21,126 ) Other expenses (3,592 ) Goodwill and intangible assets disposition (13,179 ) Gain on sale $ 26,428

Schedule I - Summary of Investm

Schedule I - Summary of Investments Other than Investments in Related Parties	12 Months Ended
	Dec. 31, 2019
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, 2019 Cost (1) Value Amount at which shown in the Balance Sheet Debt Securities: Bonds: U.S. government and government agencies and authorities $ 68,944 $ 70,921 $ 70,921 States, municipalities and political subdivisions 298,345 301,682 301,682 Foreign governments 1,762 1,802 1,802 Public utilities 45,204 46,694 46,694 All other corporate bonds (2) 3,962,436 4,055,259 4,055,259 Total Debt Securities 4,376,691 4,476,358 4,476,358 Equity Securities: Common stock: Industrial, miscellaneous and all other 29,513 5,257 5,257 Total Equity Securities 29,513 5,257 5,257 Other Investments (3) 67,189 67,189 67,189 Other Short-term Investments (3) 67,353 67,353 67,353 Total Investments (other than investments in related parties) $ 4,540,746 $ 4,616,157 $ 4,616,157 (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) Approximates market value.

Schedule II - Condensed Financi

Schedule II - Condensed Financial Information of Registrant	12 Months Ended
	Dec. 31, 2019
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, 2019 2018 ASSETS Investments: Debt securities, available-for-sale, at fair value (amortized cost - $95,527 and $79,454) $ 98,187 $ 78,365 Short-term investments 4,807 117,135 Other investments — 4,310 Equity investment in subsidiaries 2,937,575 2,491,024 Total investments 3,040,569 2,690,834 Cash and cash equivalents 852 3,956 Accrued investment income 835 728 Property and equipment, net 158,670 172,943 Prepaid and other assets 26,658 30,688 Total assets $ 3,227,584 $ 2,899,149 LIABILITIES AND STOCKHOLDERS’ EQUITY Liabilities: Accounts payable, accrued expenses and other liabilities $ 26,071 $ 94,997 Debt 584,019 603,281 Total liabilities $ 610,090 $ 698,278 Stockholders’ equity: Total stockholders’ equity $ 2,617,494 $ 2,200,871 Total liabilities and stockholders’ equity $ 3,227,584 $ 2,899,149 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, 2019 2018 2017 Revenues: Service and fee income $ 48,781 $ 44,932 $ 9,256 Investment income 3,929 1,205 3,004 Net gain (loss) on investments 1,026 (1,571 ) 4,032 Equity in undistributed net income of subsidiaries 365,932 232,101 116,367 Total revenues 419,668 276,667 132,659 Expenses: Interest expense 38,670 39,380 40,954 Other expense, net 38,499 30,847 7,236 Total expenses 77,169 70,227 48,190 Income before provision (benefit) for income taxes 342,499 206,440 84,469 Benefit for income taxes (5,570 ) (914 ) (21,376 ) Net income attributable to NGHC 348,069 207,354 105,845 Dividends on preferred stock (33,600 ) (32,492 ) (31,500 ) Net income attributable to NGHC common stockholders $ 314,469 $ 174,862 $ 74,345 Net income attributable to NGHC $ 348,069 $ 207,354 $ 105,845 Other comprehensive income (loss), net of tax 126,678 (44,054 ) (19,587 ) Comprehensive income attributable to NGHC $ 474,747 $ 163,300 $ 86,258 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, 2019 2018 2017 Cash flows from operating activities: Net income attributable to NGHC $ 348,069 $ 207,354 $ 105,845 Adjustments to reconcile net income to cash provided by (used in) operating activities: Net (gain) loss on investments (1,026 ) 1,571 (4,032 ) Depreciation and amortization 23,280 20,668 4,799 Net amortization of premium net of discount on debt securities 233 581 842 Stock-based compensation expense 10,996 9,020 8,324 Equity in undistributed net income of subsidiaries (365,932 ) (232,101 ) (116,367 ) Changes in assets and liabilities: Accrued investment income (108 ) (500 ) 6 Other assets 4,927 23,334 (13,007 ) Other liabilities (1,728 ) 8,993 (6,057 ) Net cash provided by (used in) operating activities 18,711 38,920 (19,647 ) Cash flows from investing activities: Purchases of: Debt securities, available-for-sale (46,832 ) (70,308 ) (235,837 ) Short-term investments (284,875 ) (342,137 ) — Property and equipment (75,673 ) (73,563 ) (58,181 ) Proceeds from: Sale and maturity of debt securities, available-for-sale 30,941 18,260 250,102 Sale of short-term investments 397,945 225,395 — Distributions received from subsidiaries 50,825 130,772 126,051 Acquisition of subsidiaries, net of cash (17,091 ) (9,875 ) (210 ) Net cash provided by (used in) investing activities 55,240 (121,456 ) 81,925 Cash flows from financing activities: Proceeds from debt — — 140,000 Payments of debt issuance costs (1,134 ) — — Repayments of debt and return of capital (20,000 ) (30,000 ) (172,794 ) Issuances of common and preferred stock, net of fees — 162,120 — Issuance of common stock — employee share options 594 1,978 1,259 Taxes paid related to net share settlement of equity awards (3,734 ) (3,024 ) (1,773 ) Dividends paid to common and preferred shareholders (52,781 ) (48,611 ) (48,550 ) Net cash (used in) provided by financing activities (77,055 ) 82,463 (81,858 ) Net decrease in cash and cash equivalents (3,104 ) (73 ) (19,580 ) Cash and cash equivalents, beginning of the year 3,956 4,029 23,609 Cash and cash equivalents, end of the year $ 852 $ 3,956 $ 4,029 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 11 , “ 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 ” in the notes to the Company’s consolidated financial statements.

Schedule III - Supplementary In

Schedule III - Supplementary Insurance Information	12 Months Ended
	Dec. 31, 2019
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 2019 Property and Casualty $ 239,293 $ 2,734,540 $ 2,210,851 $ 3,455,023 $ — $ 2,543,788 $ 539,816 $ 65,203 $ 3,564,015 Accident and Health 24,230 151,874 8,368 663,019 — 310,680 37,541 184,807 660,606 Corporate and Other — — — — 141,233 — — — — Total $ 263,523 $ 2,886,414 $ 2,219,219 $ 4,118,042 $ 141,233 $ 2,854,468 $ 577,357 $ 250,010 $ 4,224,621 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

Schedule IV - Reinsurance

Schedule IV - Reinsurance	12 Months Ended
	Dec. 31, 2019
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 2019 Earned Premiums $ 5,486,835 $ (1,449,365 ) $ 80,572 $ 4,118,042 2.0 % 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 %

Schedule V - Valuation and Qual

Schedule V - Valuation and Qualifying Accounts	12 Months Ended
	Dec. 31, 2019
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 Deductions Balance at end of the year 2019 Allowance for uncollectible accounts $ 20,208 $ 88,247 $ — $ (84,388 ) $ 24,067 Valuation allowance for deferred taxes 60,344 11,436 — — 71,780 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

Schedule VI - Supplemental Info

Schedule VI - Supplemental Information Concerning Property-Casualty Insurance Operations	12 Months Ended
	Dec. 31, 2019
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 2019 Property and Casualty (1) $ 2,493,268 $ 50,520 $ 2,427,676 Accident and Health 356,036 (45,356 ) 328,887 Total $ 2,849,304 $ 5,164 $ 2,756,563 2018 Property and Casualty (1) $ 2,343,938 $ (3,057 ) $ 2,209,570 Accident and Health 352,322 (30,977 ) 305,667 Total $ 2,696,260 $ (34,034 ) $ 2,515,237 2017 Property and Casualty (1) $ 2,291,444 $ 16,175 $ 2,217,220 Accident and Health 327,289 (8,826 ) 274,661 Total $ 2,618,733 $ 7,349 $ 2,491,881 (1) Property and Casualty includes the Reciprocal Exchanges.

Significant Accounting Polici_2

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2019
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. All significant intercompany transactions and accounts have been eliminated in consolidation.
Use of Estimates and Assumptions	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 recoverable, 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 stock-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.
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 months
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 fixed maturity portfolios are classified as short-term investments.
Restricted Cash and Cash Equivalents and 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. Short-term Investments Short-term investments include commercial paper, U.S. Treasury bills and money market funds with maturities between 91 days and less than one year at the date of acquisition.
Deferred Acquisition Costs	Deferred Acquisition Costs Deferred acquisition costs include commissions, premium taxes, payments to affinity partners, and other direct sales costs that are directly related to successful 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 determining the recoverability of these costs. Management believes that these costs are recoverable.
Loss and Loss Adjustment Expenses	Loss and Loss Adjustment Expense Loss and loss adjustment expense (“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	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 noncontrolling 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 ( net loss reserve discount ) or another liability ( net loss reserve plus a risk premium ), 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 we record the excess (deficiency) of the purchase price over the fair value of the acquired net assets, where applicable, as goodwill or bargain purchase gain . The Company expenses costs associated with the acquisition of a business in the period incurred.
Goodwill and Intangible Assets	Goodwill and Intangible Assets The Company accounts for goodwill and intangible assets in accordance with the 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 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. Intangible assets that have finite lives, including but not limited to, agent and customer relationships and trademarks, are amortized over the estimated useful life of the asset. For intangible assets with finite lives, impairment is recognized if the carrying amount is not recoverable and exceeds the fair value of the intangible asset. Generally intangible assets with finite lives are only tested for impairment if there are indicators of impairment (“triggers”) identified. Triggers include, but are not limited to, a significant adverse change in the extent, manner or length of time in which the intangible asset is being used or a significant adverse change in legal factors or in the business climate that could affect the value of the other intangible asset.
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, 2019 and 2018 , the Company had the following major types of investments: (i) Debt securities are classified as available-for-sale and are carried at fair value. Unrealized 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 carried at fair value. Gains or losses on equity securities are reported within net gain (loss) 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 instruments 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.
Equity Method Investments	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	Stock Compensation Expense The Company recognizes stock-based 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 stock-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 a Federal income tax allocation agreement. Under the tax allocation agreement, 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 agreement 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. 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 recoverable is 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.
Property and Equipment	Property and Equipment Property 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 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 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, 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. 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 results of operations of the Reciprocal Exchanges and the management companies are included in the Company’s Property and Casualty (“P&C”) segment. Noncontrolling Interest Non-redeemable noncontrolling 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 noncontrolling 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, 2019 and 2018 , 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 9 , “ 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	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	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. 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. 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.
Recent Accounting Standards	Accounting Standards Recent Accounting Standards, Adopted Standard Description Date of Adoption 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. January 1, 2019 The Company adopted the standard as of the beginning of the year of adoption using the modified retrospective transition approach and did not adjust prior comparative periods. On January 1, 2019, the Company recorded the recognition of the ROU asset and lease liability net of deferred rent, inducement costs and deferred tax impact of $85,000, in both assets and liabilities on its consolidated balance sheets. The adoption of the standard did not have a material effect on the Company’s results of operations and had no impact on cash flows. See Note 12, “Leases” for additional information. Recent Accounting Standards, Not Yet Adopted Standard Description Effective Date Effect on the Company ASU 2016-13, Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, and related amendments. This standard significantly changes the impairment model for most financial assets and certain other instruments. ASU 2016-13 requires 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. The FASB issued ASU 2018-19, Codification Improvements to Topic 326, Financial Instruments-Credit Losses, 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. The FASB issued ASU 2019-04, Codification Improvements to Topic 326, Financial Instruments-Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments, which clarifies that an entity should include recoveries when estimating the allowance for credit losses. The FASB issued ASU 2019-05, Financial Instruments-Credit Losses (Topic 326): Targeted Transition Relief, which eases transition to the credit losses standard by providing the option to measure certain types of assets at fair value. The standard requires using a modified retrospective approach, recognizing a cumulative-effect adjustment as of the beginning of the first reporting period in which the standard is effective. January 1, 2020 The Company estimates that the credit allowance to be a reduction in opening retained earnings of less than $10,000, pre-tax, driven by premiums receivable and reinsurance recoverable as of the adoption date. Upon adoption, the standard did not have a material impact in the Company’s other financial assets and certain other instruments. 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 adoption of the standard did not have a material impact on the Company’s consolidated financial statements. ASU 2019-12, Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes. This standard simplifies the accounting for income taxes by eliminating some exceptions to the general approach in Accounting Standards Codification (“ASC”) 740, Income Taxes. It also clarifies certain aspects of the existing guidance to promote more consistent application, among other things. 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. ASU 2018-12, Financial Services-Insurance (Topic 944): Targeted Improvements to the Accounting for Long-Duration Contracts and related amendments. 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, 2022 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, 2019
Accounting Policies [Abstract]
Schedule of useful lives and composition of property 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 The composition of property and equipment consisted of the following: December 31, 2019 2018 Cost Accumulated Depreciation Net Value Cost Accumulated Depreciation Net Value Land $ 5,788 $ — $ 5,788 $ 6,073 $ — $ 6,073 Buildings 24,997 (2,669 ) 22,328 31,489 (2,554 ) 28,935 Leasehold improvements 34,238 (12,372 ) 21,866 35,469 (9,152 ) 26,317 Other equipment 24,627 (3,044 ) 21,583 28,774 (5,670 ) 23,104 Hardware and software 387,618 (196,294 ) 191,324 385,059 (161,484 ) 223,575 Finance lease right-of-use assets 37,515 (16,511 ) 21,004 — — — Operating lease right-of-use assets 119,934 — 119,934 — — — Total $ 634,717 $ (230,890 ) $ 403,827 $ 486,864 $ (178,860 ) $ 308,004 NGHC $ 625,658 $ (222,072 ) $ 403,586 $ 477,804 $ (171,495 ) $ 306,309 Reciprocal Exchanges 9,059 (8,818 ) 241 9,060 (7,365 ) 1,695 Total $ 634,717 $ (230,890 ) $ 403,827 $ 486,864 $ (178,860 ) $ 308,004
Accounting Standards	Recent Accounting Standards, Adopted Standard Description Date of Adoption 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. January 1, 2019 The Company adopted the standard as of the beginning of the year of adoption using the modified retrospective transition approach and did not adjust prior comparative periods. On January 1, 2019, the Company recorded the recognition of the ROU asset and lease liability net of deferred rent, inducement costs and deferred tax impact of $85,000, in both assets and liabilities on its consolidated balance sheets. The adoption of the standard did not have a material effect on the Company’s results of operations and had no impact on cash flows. See Note 12, “Leases” for additional information. Recent Accounting Standards, Not Yet Adopted Standard Description Effective Date Effect on the Company ASU 2016-13, Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, and related amendments. This standard significantly changes the impairment model for most financial assets and certain other instruments. ASU 2016-13 requires 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. The FASB issued ASU 2018-19, Codification Improvements to Topic 326, Financial Instruments-Credit Losses, 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. The FASB issued ASU 2019-04, Codification Improvements to Topic 326, Financial Instruments-Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments, which clarifies that an entity should include recoveries when estimating the allowance for credit losses. The FASB issued ASU 2019-05, Financial Instruments-Credit Losses (Topic 326): Targeted Transition Relief, which eases transition to the credit losses standard by providing the option to measure certain types of assets at fair value. The standard requires using a modified retrospective approach, recognizing a cumulative-effect adjustment as of the beginning of the first reporting period in which the standard is effective. January 1, 2020 The Company estimates that the credit allowance to be a reduction in opening retained earnings of less than $10,000, pre-tax, driven by premiums receivable and reinsurance recoverable as of the adoption date. Upon adoption, the standard did not have a material impact in the Company’s other financial assets and certain other instruments. 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 adoption of the standard did not have a material impact on the Company’s consolidated financial statements. ASU 2019-12, Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes. This standard simplifies the accounting for income taxes by eliminating some exceptions to the general approach in Accounting Standards Codification (“ASC”) 740, Income Taxes. It also clarifies certain aspects of the existing guidance to promote more consistent application, among other things. 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. ASU 2018-12, Financial Services-Insurance (Topic 944): Targeted Improvements to the Accounting for Long-Duration Contracts and related amendments. 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, 2022 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, 2019
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, 2019 Amortized Cost Gross Gross Fair Value U.S. Treasury $ 65,037 $ 1,992 $ (23 ) $ 67,006 Federal agencies 3,907 8 — 3,915 States and political subdivision bonds 298,345 4,778 (1,441 ) 301,682 Foreign government 1,762 40 — 1,802 Corporate bonds 1,859,736 59,184 (2,357 ) 1,916,563 Residential mortgage-backed securities 1,265,830 15,747 (4,117 ) 1,277,460 Commercial mortgage-backed securities 585,044 27,261 (112 ) 612,193 Asset-backed securities 74,465 1,194 (48 ) 75,611 Structured securities 222,565 226 (2,665 ) 220,126 Total $ 4,376,691 $ 110,430 $ (10,763 ) $ 4,476,358 NGHC $ 4,057,501 $ 104,951 $ (10,343 ) $ 4,152,109 Reciprocal Exchanges 319,190 5,479 (420 ) 324,249 Total $ 4,376,691 $ 110,430 $ (10,763 ) $ 4,476,358 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
Investments Classified by Contractual Maturity	The amortized cost and fair value of available-for-sale debt securities held as of December 31, 2019 , 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, 2019 Amortized Fair Amortized Fair Amortized Fair Due in one year or less $ 61,536 $ 61,749 $ 110 $ 110 $ 61,646 $ 61,859 Due after one year through five years 879,910 904,718 115,566 117,815 995,476 1,022,533 Due after five years through ten years 1,043,657 1,072,865 92,236 93,239 1,135,893 1,166,104 Due after ten years 241,110 243,216 17,227 17,382 258,337 260,598 Mortgage-backed securities 1,831,288 1,869,561 94,051 95,703 1,925,339 1,965,264 Total $ 4,057,501 $ 4,152,109 $ 319,190 $ 324,249 $ 4,376,691 $ 4,476,358
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, 2019 Fair Unrealized Fair Unrealized Fair Unrealized U.S. Treasury $ 19,903 $ (23 ) $ 500 $ — $ 20,403 $ (23 ) States and political subdivision bonds 106,103 (1,415 ) 2,580 (26 ) 108,683 (1,441 ) Corporate bonds 586,817 (2,253 ) 5,976 (104 ) 592,793 (2,357 ) Residential mortgage-backed securities 410,484 (4,074 ) 3,983 (43 ) 414,467 (4,117 ) Commercial mortgage-backed securities 18,250 (105 ) 748 (7 ) 18,998 (112 ) Asset-backed securities 5,406 (29 ) 920 (19 ) 6,326 (48 ) Structured securities 40,979 (94 ) 109,880 (2,571 ) 150,859 (2,665 ) Total $ 1,187,942 $ (7,993 ) $ 124,587 $ (2,770 ) $ 1,312,529 $ (10,763 ) NGHC $ 1,104,244 $ (7,654 ) $ 117,681 $ (2,689 ) $ 1,221,925 $ (10,343 ) Reciprocal Exchanges 83,698 (339 ) 6,906 (81 ) 90,604 (420 ) Total $ 1,187,942 $ (7,993 ) $ 124,587 $ (2,770 ) $ 1,312,529 $ (10,763 ) 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 )
Equity Securities	The fair values of equity securities were as follows: December 31, 2019 2018 Common stock $ 5,257 $ 10,949 Total $ 5,257 $ 10,949 NGHC $ 5,257 $ 10,949 Reciprocal Exchanges — — Total $ 5,257 $ 10,949
Investment Income	The components of net investment income consisted of the following: Year Ended December 31, 2019 2018 2017 Cash and short-term investments $ 4,075 $ 1,659 $ 1,506 Debt securities 124,379 107,077 106,002 Equity securities 6 665 345 Other, net (1) 17,347 13,932 2,289 Investment income 145,807 123,333 110,142 Investment expenses (4,574 ) (4,299 ) (8,192 ) Net investment income $ 141,233 $ 119,034 $ 101,950 NGHC $ 132,595 $ 110,159 $ 92,625 Reciprocal Exchanges 8,638 8,875 9,325 Net investment income $ 141,233 $ 119,034 $ 101,950 (1) Includes $7,718 , $4,876 , and $(4,141) , income (expense) from related parties, for the years ended December 31, 2019, 2018 and 2017, respectively.
Net Realized and Unrealized Gains and Losses	The table below indicates realized gains and losses on investments. 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, 2019 2018 2017 Debt securities, available-for-sale: Gross gains $ 19,870 $ 4,590 $ 58,405 Gross losses (3,457 ) (22,860 ) (3,754 ) Net gain (loss) on debt securities, available-for-sale 16,413 (18,270 ) 54,651 Equity securities (3,992 ) (12,305 ) (9,562 ) OTTI on investments — (3,000 ) (25 ) Other, net 1,052 4,030 1,699 Net gain (loss) on investments $ 13,473 $ (29,545 ) $ 46,763 NGHC $ 13,603 $ (26,179 ) $ 40,640 Reciprocal Exchanges (130 ) (3,366 ) 6,123 Net gain (loss) on investments $ 13,473 $ (29,545 ) $ 46,763 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, 2019 2018 2017 Equity Securities Equity Securities Equity Securities and Debt Securities Net losses recognized during the year $ (3,992 ) $ (12,305 ) $ (20,096 ) Less: Net losses recognized during the year on securities sold during the year — (864 ) (11,851 ) Net losses recognized during the reporting period on securities still held at the reporting date $ (3,992 ) $ (11,441 ) $ (8,245 )
Credit Quality of Investments	The tables below summarize the credit quality of debt 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, 2019 Amortized Cost Fair Value Percentage Amortized Cost Fair Value Percentage U.S. Treasury $ 52,108 $ 53,599 1.3 % $ 12,929 $ 13,407 4.1 % AAA 515,869 537,508 12.9 % 20,947 21,555 6.6 % AA, AA+, AA- 1,677,787 1,697,220 40.9 % 120,113 121,720 37.5 % A, A+, A- 954,312 976,468 23.5 % 116,747 119,041 36.7 % BBB, BBB+, BBB- 795,594 823,239 19.8 % 48,021 48,093 14.8 % BB+ and lower 61,831 64,075 1.6 % 433 433 0.3 % Total $ 4,057,501 $ 4,152,109 100.0 % $ 319,190 $ 324,249 100.0 % 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 % The tables below summarize the investment quality of the corporate bond holdings and industry concentrations. December 31, 2019 AAA AA+, A+,A,A- BBB+, BB+ or Fair % of Financial Institutions — % 3.6 % 25.0 % 12.1 % 0.3 % $ 785,910 41.0 % Industrials 0.7 % 2.7 % 24.1 % 29.0 % 0.1 % 1,083,959 56.6 % Utilities/Other — % — % 1.0 % 1.4 % — % 46,694 2.4 % Total 0.7 % 6.3 % 50.1 % 42.5 % 0.4 % $ 1,916,563 100.0 % NGHC 0.3 % 5.1 % 44.0 % 40.0 % 0.4 % $ 1,720,962 89.8 % Reciprocal Exchanges 0.4 % 1.2 % 6.1 % 2.5 % — % 195,601 10.2 % Total 0.7 % 6.3 % 50.1 % 42.5 % 0.4 % $ 1,916,563 100.0 % 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 %
Schedule of Cash and Cash Equivalents	Cash, cash equivalents, and restricted cash are as follows: December 31, 2019 2018 Cash and cash equivalents $ 135,942 $ 193,858 Restricted cash and cash equivalents 28,521 39,725 Total cash, cash equivalents and restricted cash $ 164,463 $ 233,583 Restricted investments are as follows: December 31, 2019 2018 Securities on deposit with state regulatory authorities $ 74,061 $ 73,119 Restricted investments to trusts in certain reinsurance transactions 49,502 70,470 Total restricted investments $ 123,563 $ 143,589
Cash and Cash Equivalents, Restricted Cash and Restricted Investments	Cash, cash equivalents, and restricted cash are as follows: December 31, 2019 2018 Cash and cash equivalents $ 135,942 $ 193,858 Restricted cash and cash equivalents 28,521 39,725 Total cash, cash equivalents and restricted cash $ 164,463 $ 233,583 Restricted investments are as follows: December 31, 2019 2018 Securities on deposit with state regulatory authorities $ 74,061 $ 73,119 Restricted investments to trusts in certain reinsurance transactions 49,502 70,470 Total restricted investments $ 123,563 $ 143,589
Other Investments	The table below summarizes the composition of other investments: December 31, 2019 2018 Equity method investments (related parties - $109,612 and $106,031) $ 143,511 $ 142,921 Notes receivable (related parties - $129,229 and $127,692) (1) 129,299 128,893 Long-term Certificates of Deposit (CDs), at cost 20,150 20,252 Investments, at fair value 4,108 6,542 Investments, at cost or amortized cost 8,962 7,668 Total $ 306,030 $ 306,276 (1) See Note 13 , “ Related Party Transactions ” for additional information.
LSC Entity	The following table presents the Company’s 50% investment activity in the LSC Entity: Year Ended December 31, 2019 2018 2017 Balance, beginning of the year $ 48,324 $ 160,683 $ 185,992 Distributions (2,500 ) (118,635 ) (45,127 ) Contributions 258 2,000 21,040 Equity in earnings (losses) 3,395 4,276 (1,222 ) Change in equity method investments 1,153 (112,359 ) (25,309 ) Balance, end of the year $ 49,477 $ 48,324 $ 160,683

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Fair Value, by Balance Sheet Grouping	Assets measured at fair value on a recurring basis are as follows: December 31, 2019 Level 1 Level 2 Level 3 Total Available-for-sale debt securities: U.S. Treasury $ 67,006 $ — $ — $ 67,006 Federal agencies 3,915 — — 3,915 States and political subdivision bonds — 298,582 3,100 301,682 Foreign government — 1,802 — 1,802 Corporate bonds — 1,908,235 8,328 1,916,563 Residential mortgage-backed securities — 1,277,460 — 1,277,460 Commercial mortgage-backed securities — 612,193 — 612,193 Asset-backed securities — 75,611 — 75,611 Structured securities — 220,126 — 220,126 Total available-for-sale debt securities 70,921 4,394,009 11,428 4,476,358 Equity securities: Common stock 4,881 — 376 5,257 Total equity securities 4,881 — 376 5,257 Short-term investments 59,953 7,400 — 67,353 Other investments — — 4,108 4,108 Total $ 135,755 $ 4,401,409 $ 15,912 $ 4,553,076 NGHC $ 116,602 $ 4,091,068 $ 15,912 $ 4,223,582 Reciprocal Exchanges 19,153 310,341 — 329,494 Total $ 135,755 $ 4,401,409 $ 15,912 $ 4,553,076 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
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 Other investments Total Balance as of January 1, 2019 $ 3,596 $ 11,767 $ 1,051 $ 6,542 $ 22,956 Transfers into Level 3 — — — — — Transfers out of Level 3 — — — — — Total gains (losses) for the period: Included in earnings — — (675 ) (1,176 ) (1,851 ) Included in other comprehensive income (496 ) (3,439 ) — — (3,935 ) Sales — — — (1,258 ) (1,258 ) Balance as of December 31, 2019 $ 3,100 $ 8,328 $ 376 $ 4,108 $ 15,912 Change in unrealized gains (losses) for the period included in net income for assets held at the end of the reporting period $ — $ — $ (675 ) $ (1,176 ) $ (1,851 ) Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period $ (496 ) $ (3,439 ) $ — $ — $ (3,935 ) 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 earnings — — (4,001 ) (270 ) 1,057 (3,214 ) Included in other comprehensive income (485 ) (12,778 ) — — — (13,263 ) 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 )
Schedule of Carrying Values and Estimated Fair Values of Debt Instruments	The following table presents the carrying amount and estimated fair value of debt not carried at fair value, excluding finance lease and other liabilities, as well as the input level used to determine the fair value: December 31, 2019 December 31, 2018 Input Level Carrying amount Fair value Carrying amount Fair value 7.625% Notes Level 2 $ 96,928 $ 103,560 $ 96,842 $ 90,400 6.75% Notes Level 3 347,091 371,366 346,439 353,756 Subordinated Debentures Level 3 72,168 72,103 72,168 72,109 2016 Credit Agreement Level 3 — — 160,000 163,222 2019 Credit Agreement Level 3 140,000 148,272 — —

Deferred Acquisition Costs (Tab

Deferred Acquisition Costs (Tables)	12 Months Ended
	Dec. 31, 2019
Deferred Policy Acquisition Costs Disclosures [Abstract]
Deferred Acquisition Costs	The following table reflects the amounts of policy acquisition costs deferred and amortized: Year Ended December 31, 2019 2018 2017 Property Accident Total Property Accident Total Property Accident Total Balance, beginning of the year $ 226,188 $ 25,220 $ 251,408 $ 198,283 $ 18,106 $ 216,389 $ 207,597 $ 13,325 $ 220,922 Additions 552,921 39,491 592,412 522,914 22,898 545,812 478,426 26,930 505,356 Amortization (539,816 ) (37,541 ) (577,357 ) (495,009 ) (15,784 ) (510,793 ) (487,740 ) (22,149 ) (509,889 ) Disposition — (2,940 ) (2,940 ) — — — — — — Change in DAC 13,105 (990 ) 12,115 27,905 7,114 35,019 (9,314 ) 4,781 (4,533 ) End of the year $ 239,293 $ 24,230 $ 263,523 $ 226,188 $ 25,220 $ 251,408 $ 198,283 $ 18,106 $ 216,389 NGHC $ 215,986 $ 24,230 $ 240,216 $ 206,181 $ 25,220 $ 231,401 $ 177,446 $ 18,106 $ 195,552 Reciprocal Exchanges 23,307 — 23,307 20,007 — 20,007 20,837 — 20,837 Balance, end of the year $ 239,293 $ 24,230 $ 263,523 $ 226,188 $ 25,220 $ 251,408 $ 198,283 $ 18,106 $ 216,389

Property and Equipment (Tables)

Property and Equipment (Tables)	12 Months Ended
	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
Schedule of useful lives and composition of property 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 The composition of property and equipment consisted of the following: December 31, 2019 2018 Cost Accumulated Depreciation Net Value Cost Accumulated Depreciation Net Value Land $ 5,788 $ — $ 5,788 $ 6,073 $ — $ 6,073 Buildings 24,997 (2,669 ) 22,328 31,489 (2,554 ) 28,935 Leasehold improvements 34,238 (12,372 ) 21,866 35,469 (9,152 ) 26,317 Other equipment 24,627 (3,044 ) 21,583 28,774 (5,670 ) 23,104 Hardware and software 387,618 (196,294 ) 191,324 385,059 (161,484 ) 223,575 Finance lease right-of-use assets 37,515 (16,511 ) 21,004 — — — Operating lease right-of-use assets 119,934 — 119,934 — — — Total $ 634,717 $ (230,890 ) $ 403,827 $ 486,864 $ (178,860 ) $ 308,004 NGHC $ 625,658 $ (222,072 ) $ 403,586 $ 477,804 $ (171,495 ) $ 306,309 Reciprocal Exchanges 9,059 (8,818 ) 241 9,060 (7,365 ) 1,695 Total $ 634,717 $ (230,890 ) $ 403,827 $ 486,864 $ (178,860 ) $ 308,004

Goodwill and Intangible Assets

Goodwill and Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2019
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, 2019 $ 100,888 $ 79,295 $ 180,183 Acquisitions 1,414 5,312 6,726 Disposition — (7,581 ) (7,581 ) Balance as of December 31, 2019 $ 102,302 $ 77,026 $ 179,328
Schedule of Intangible Assets and Goodwill	The composition of intangible assets and loss reserve premium consisted of the following: December 31, 2019 Gross Balance Accumulated Amortization Net Value Weighted-average amortization period Agent/Customer relationships $ 175,157 $ (76,156 ) $ 99,001 13.6 years Renewal rights 48,566 (41,257 ) 7,309 5.8 years Other intangibles 49,511 (27,923 ) 21,588 7.8 years Total intangible assets subject to amortization 273,234 (145,336 ) 127,898 12.2 years Management contracts 118,600 — 118,600 indefinite life State licenses 89,325 — 89,325 indefinite life Trademarks 30,000 — 30,000 indefinite life Total intangible assets $ 511,159 $ (145,336 ) $ 365,823 NGHC $ 507,259 $ (144,661 ) $ 362,598 Reciprocal Exchanges 3,900 (675 ) 3,225 Total intangible assets $ 511,159 $ (145,336 ) $ 365,823 Net loss reserve plus a risk premium (1) $ (17,266 ) $ 9,947 $ (7,319 ) 6.1 years Total $ (17,266 ) $ 9,947 $ (7,319 ) NGHC $ (13,253 ) $ 6,017 $ (7,236 ) Reciprocal Exchanges (4,013 ) 3,930 (83 ) Total $ (17,266 ) $ 9,947 $ (7,319 ) December 31, 2018 Gross Accumulated Net Value Agent/Customer relationships $ 184,617 $ (72,876 ) $ 111,741 Renewal rights 51,057 (36,342 ) 14,715 Other intangibles 33,901 (14,845 ) 19,056 Total intangible assets subject to amortization 269,575 (124,063 ) 145,512 Management contracts 118,600 — 118,600 State licenses 85,825 — 85,825 Trademarks 30,000 — 30,000 Total intangible assets $ 504,000 $ (124,063 ) $ 379,937 NGHC $ 500,100 $ (123,568 ) $ 376,532 Reciprocal Exchanges 3,900 (495 ) 3,405 Total intangible assets $ 504,000 $ (124,063 ) $ 379,937 Net loss reserve plus a risk premium (1) $ (6,203 ) $ 5,659 $ (544 ) Total $ (6,203 ) $ 5,659 $ (544 ) NGHC $ (2,190 ) $ 1,839 $ (351 ) Reciprocal Exchanges (4,013 ) 3,820 (193 ) Total $ (6,203 ) $ 5,659 $ (544 ) (1) Net loss reserve plus a risk premium is recorded as a liability. The changes in the carrying amounts of intangibles assets are as follows: Gross Balance Accumulated Amortization Net Value Balance as of January 1, 2019 $ 504,000 $ (124,063 ) $ 379,937 Acquisitions 35,421 — 35,421 Amortization — (39,024 ) (39,024 ) Reclassification (11,837 ) 6,924 (4,913 ) Disposition (16,425 ) 10,827 (5,598 ) Balance as of December 31, 2019 $ 511,159 $ (145,336 ) $ 365,823
Finite-lived Intangible Assets Amortization Expense	Intangible assets amortization expense consisted of the following: Year Ended December 31, 2019 2018 2017 Amortization $ 39,024 $ 31,999 $ 59,868 Amortization of loss reserve premium (4,288 ) (632 ) (1,257 ) Total $ 34,736 $ 31,367 $ 58,611 NGHC $ 34,665 $ 31,323 $ 51,729 Reciprocal Exchanges 71 44 6,882 Total $ 34,736 $ 31,367 $ 58,611
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 2020 $ 20,385 $ 131 $ 20,516 2021 16,259 23 16,282 2022 14,559 (9 ) 14,550 2023 12,385 (2 ) 12,383 2024 11,451 (1 ) 11,450 Thereafter 45,398 — 45,398 Total $ 120,437 $ 142 $ 120,579

Unpaid Losses and Loss Adjust_2

Unpaid Losses and Loss Adjustment Expense Reserves (Tables)	12 Months Ended
	Dec. 31, 2019
Insurance [Abstract]
Schedule of Liability for Unpaid Claims and Claims Adjustment Expenses	The following tables present a reconciliation of beginning and ending balances for unpaid losses and LAE : Year Ended December 31, 2019 Property Accident NGHC Reciprocal Total Gross balance at beginning of the year $ 2,507,409 $ 271,280 $ 2,778,689 $ 178,470 $ 2,957,159 Less: Reinsurance recoverable at beginning of the year (1,182,588 ) (24,575 ) (1,207,163 ) (77,979 ) (1,285,142 ) Net balance at beginning of the year 1,324,821 246,705 1,571,526 100,491 1,672,017 Incurred losses and LAE related to: Current year 2,320,053 356,036 2,676,089 173,215 2,849,304 Prior year 46,623 (45,356 ) 1,267 3,897 5,164 Total incurred 2,366,676 310,680 2,677,356 177,112 2,854,468 Paid losses and LAE related to: Current year (1,430,072 ) (219,234 ) (1,649,306 ) (111,380 ) (1,760,686 ) Prior year (841,613 ) (109,653 ) (951,266 ) (44,611 ) (995,877 ) Total paid (2,271,685 ) (328,887 ) (2,600,572 ) (155,991 ) (2,756,563 ) Acquired losses and LAE reserves 92,574 — 92,574 — 92,574 Disposed losses and LAE reserves — (87,890 ) (87,890 ) — (87,890 ) Net balance at end of the year 1,512,386 140,608 1,652,994 121,612 1,774,606 Plus: Reinsurance recoverable at end of the year 1,016,368 11,266 1,027,634 84,174 1,111,808 Gross balance at end of the year $ 2,528,754 $ 151,874 $ 2,680,628 $ 205,786 $ 2,886,414 Year Ended December 31, 2018 Property and Casualty Accident and Health NGHC Reciprocal Exchanges Total Gross balance 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 ) Unrealized foreign exchange gain — (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 Gross balance 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 ) Unrealized foreign exchange loss — 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
Short-duration Insurance Contracts, Claims Development	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2019 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 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 $ 35,737 $ — 5,066 2011 38,470 28,869 28,511 28,209 27,954 27,950 28,002 28,075 28,095 — 6,652 2012 25,289 20,625 21,184 19,971 20,403 20,876 20,251 20,301 — 8,427 2013 22,638 21,232 20,132 20,309 20,615 20,367 23,109 — 3,165 2014 27,706 24,846 25,625 26,614 27,141 27,231 — 4,231 2015 30,081 21,031 21,527 22,007 21,881 72 5,448 2016 36,838 35,274 34,851 34,501 306 4,786 2017 48,222 50,871 51,852 2,089 8,817 2018 76,925 78,166 3,836 12,950 2019 65,888 11,427 11,311 Total (A) $ 386,761 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 2019 (unaudited) 2010 $ 23,881 $ 31,051 $ 32,488 $ 34,587 $ 35,265 $ 35,428 $ 35,388 $ 35,497 $ 35,101 $ 35,574 2011 21,474 24,997 25,799 26,700 27,661 27,656 27,692 27,758 27,803 2012 11,087 18,021 19,367 19,847 19,961 20,668 20,121 20,256 2013 11,277 17,435 18,107 19,104 19,653 19,626 20,232 2014 15,344 22,834 23,820 25,230 26,170 27,003 2015 12,979 18,518 19,834 20,339 20,733 2016 20,978 30,615 31,632 32,933 2017 33,166 46,003 47,517 2018 55,519 69,672 2019 45,432 Total (B) $ 347,155 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 1,907 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 41,513 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2019 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 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 $ 24,651 $ — 12,374 2011 26,936 26,055 26,022 26,060 26,037 26,029 26,023 26,028 26,028 — 12,041 2012 25,752 26,459 26,189 25,914 25,842 25,841 25,845 25,842 — 11,301 2013 23,375 25,214 25,292 24,709 24,703 24,704 24,704 — 11,066 2014 29,240 27,424 25,806 25,588 25,882 26,074 — 11,526 2015 21,247 18,592 18,673 18,789 18,842 — 10,280 2016 12,270 12,921 12,985 13,213 (12 ) 8,742 2017 15,301 15,410 15,612 112 10,674 2018 19,146 19,272 26 13,598 2019 27,212 (1,625 ) 13,652 Total (A) $ 221,450 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 2019 (unaudited) 2010 $ 25,583 $ 24,873 $ 24,725 $ 24,701 $ 24,681 $ 24,665 $ 24,661 $ 24,654 $ 24,653 $ 24,651 2011 28,274 26,269 26,106 26,056 26,037 26,033 26,027 26,028 26,028 2012 23,760 26,651 26,172 25,914 25,854 25,850 25,845 25,842 2013 22,651 25,088 24,549 24,725 24,716 24,704 24,704 2014 24,528 26,165 25,772 25,427 25,685 25,946 2015 19,080 18,797 18,750 18,748 18,719 2016 12,579 13,147 13,080 13,137 2017 15,438 16,141 15,500 2018 18,925 19,246 2019 27,974 Total (B) $ 221,747 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) $ (297 ) Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2019 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 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 $ 381,113 $ — 309,114 2011 315,273 308,729 308,298 308,486 308,760 308,512 308,536 308,249 308,132 — 298,034 2012 308,056 298,208 295,984 296,257 296,050 295,970 295,026 294,710 — 292,486 2013 335,454 329,049 328,748 328,284 328,262 328,010 327,506 — 285,748 2014 496,227 487,302 486,206 486,383 486,373 486,156 — 311,595 2015 541,008 544,097 544,769 544,510 544,684 — 329,097 2016 626,643 622,456 621,717 620,546 (550 ) 337,775 2017 600,813 570,699 567,411 1,180 384,794 2018 548,063 526,092 (5,823 ) 359,565 2019 577,970 43,820 349,043 Total (A) $ 4,634,320 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 2019 (unaudited) 2010 $ 351,865 $ 382,575 $ 381,955 $ 381,926 $ 381,829 $ 381,811 $ 381,789 $ 381,425 $ 381,129 $ 381,109 2011 283,501 308,824 308,634 308,608 308,578 308,571 308,557 308,266 308,131 2012 268,989 298,381 295,978 295,975 296,029 295,995 294,975 294,702 2013 291,064 328,832 328,456 328,299 328,280 327,976 327,510 2014 430,998 487,531 486,364 486,309 486,251 486,108 2015 478,268 544,754 544,707 544,485 544,699 2016 542,970 622,930 621,529 621,181 2017 533,907 568,639 566,918 2018 483,149 532,083 2019 512,074 Total (B) $ 4,574,515 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 4 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 59,809 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2019 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 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 $ 411,263 $ — 86,466 2011 506,352 499,170 498,050 498,184 497,244 495,246 494,825 495,170 495,148 3 107,869 2012 485,454 480,353 478,880 477,577 476,538 474,649 476,166 475,792 — 112,053 2013 306,761 300,868 299,561 296,618 296,907 296,756 296,760 77 75,904 2014 318,488 306,471 303,925 304,496 304,237 304,350 34 73,477 2015 357,023 349,559 351,747 353,688 351,305 1,935 69,874 2016 350,737 341,762 340,711 343,525 1,109 60,954 2017 402,798 365,092 370,068 11,847 58,961 2018 327,462 328,721 13,210 72,612 2019 247,760 43,234 60,676 Total (A) $ 3,624,692 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 2019 (unaudited) 2010 $ 247,802 $ 370,301 $ 393,226 $ 404,490 $ 408,195 $ 409,781 $ 410,875 $ 410,994 $ 411,249 $ 411,243 2011 314,139 457,480 485,054 489,778 493,408 494,198 494,525 494,904 494,922 2012 300,271 452,589 466,266 471,084 473,190 473,781 475,765 475,762 2013 219,937 279,743 289,302 293,101 295,332 296,383 296,442 2014 198,781 278,255 289,456 297,640 301,742 303,100 2015 233,264 319,284 336,921 342,156 345,257 2016 227,650 320,564 331,102 337,889 2017 258,234 338,065 349,600 2018 227,908 298,212 2019 172,462 Total (B) $ 3,484,889 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 225 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 140,028 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2019 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 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 $ 57,605 $ — 5,822 2011 47,666 47,834 47,459 48,841 51,107 50,898 50,998 51,161 51,247 — 5,065 2012 44,834 47,275 48,044 48,665 50,370 50,767 50,303 50,538 — 4,999 2013 43,684 44,341 45,479 50,180 51,263 49,854 50,595 — 5,097 2014 38,656 40,850 45,930 48,246 49,168 49,369 — 4,871 2015 35,573 33,409 34,390 34,615 34,268 303 4,333 2016 24,619 24,460 26,109 24,310 604 4,001 2017 26,214 28,762 28,804 4,229 4,919 2018 32,339 33,891 7,325 6,068 2019 49,757 23,246 5,882 Total (A) $ 430,384 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 2019 (unaudited) 2010 $ 18,879 $ 32,181 $ 41,020 $ 49,764 $ 53,635 $ 55,155 $ 55,700 $ 56,522 $ 56,961 $ 57,232 2011 15,857 26,603 35,911 41,931 46,559 49,570 50,481 50,979 51,121 2012 13,568 29,286 37,241 42,768 46,358 48,990 49,836 50,090 2013 14,683 29,218 35,105 41,787 47,449 48,449 49,605 2014 13,925 26,070 32,382 39,328 46,001 48,389 2015 11,910 19,501 24,614 29,538 31,587 2016 7,516 13,478 16,994 20,567 2017 9,111 17,136 19,529 2018 10,755 19,471 2019 15,504 Total (B) $ 363,095 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 42 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 67,331 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2019 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Total of IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims (unaudited) 2010 $ 4,847 $ 4,731 $ 4,703 $ 4,703 $ 4,703 $ 4,703 $ 4,703 $ 4,703 $ 4,703 $ 4,703 $ — 10,115 2011 4,804 4,483 4,481 4,481 4,481 4,481 4,481 4,481 4,481 — 8,139 2012 4,400 4,227 4,161 4,161 4,161 4,110 4,110 4,110 — 7,630 2013 23,253 28,578 26,457 26,361 26,272 26,274 26,274 — 34,176 2014 52,245 52,694 52,311 52,026 52,022 52,034 — 69,799 2015 176,104 184,586 181,536 181,740 181,717 21 242,784 2016 215,097 200,817 202,155 201,722 173 320,530 2017 211,293 186,415 182,865 1,346 297,140 2018 234,558 205,152 3,695 272,136 2019 256,745 98,399 215,703 Total (A) $ 1,119,803 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 2019 (unaudited) 2010 $ 3,604 $ 4,742 $ 4,703 $ 4,703 $ 4,703 $ 4,703 $ 4,703 $ 4,703 $ 4,703 $ 4,703 2011 2,528 4,469 4,481 4,481 4,481 4,481 4,481 4,481 4,481 2012 3,330 4,095 4,110 4,110 4,161 4,110 4,110 4,110 2013 15,421 25,754 26,327 26,242 26,154 26,155 26,155 2014 31,765 52,053 52,405 52,147 52,140 52,153 2015 123,576 178,918 181,459 181,719 181,696 2016 125,845 196,421 201,720 201,549 2017 104,809 178,047 181,519 2018 126,269 201,457 2019 158,345 Total (B) $ 1,016,168 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) $ 103,635 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Year Ended December 31, December 31, 2019 Accident 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 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 $ 595,609 $ 270 241,703 2011 490,230 485,762 489,010 494,922 493,873 497,109 497,324 496,408 497,424 566 238,315 2012 511,797 522,296 529,140 527,386 528,090 527,531 529,885 531,887 196 249,877 2013 544,833 556,262 556,290 563,834 567,410 572,538 575,521 1,637 250,090 2014 740,531 759,577 760,566 766,640 779,992 783,869 1,293 270,033 2015 820,213 838,040 849,051 872,064 892,244 6,218 291,691 2016 932,350 940,849 976,749 1,005,184 23,596 301,660 2017 929,211 912,370 941,837 33,880 295,454 2018 1,047,041 1,033,488 131,044 306,943 2019 1,162,750 436,809 386,846 Total (A) $ 8,019,813 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 2019 (unaudited) 2010 $ 287,058 $ 474,640 $ 534,107 $ 562,918 $ 579,237 $ 590,417 $ 592,932 $ 594,168 $ 594,696 $ 594,914 2011 224,676 385,749 442,365 468,059 482,861 489,191 494,145 495,833 496,680 2012 242,285 413,018 470,515 501,819 518,079 523,703 527,695 530,570 2013 259,665 440,751 504,569 540,497 559,064 567,949 571,643 2014 342,710 601,980 694,002 728,256 757,933 773,124 2015 385,592 679,461 761,150 820,007 864,226 2016 400,052 737,927 855,407 937,997 2017 392,084 706,151 832,553 2018 429,231 777,888 2019 470,341 Total (B) $ 6,849,936 Unpaid loss and allocated loss adjustment expense reserves before 2010, net of reinsurance (C) 1,186 Unpaid loss and allocated loss adjustment expense reserves, net of reinsurance (A) - (B) + (C) $ 1,171,063
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 10 (unaudited) Property and Casualty - auto physical damage, including recreational vehicles, motorcycles and lender placed auto 90.1 % 10.3 % (0.3 )% — % — % — % — % (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 10 (unaudited) Property and Casualty - homeowners & other property, including lender placed homeowners 66.3 % 26.0 % 4.3 % 2.0 % 0.8 % 0.4 % 0.2 % — % — % — % Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 10 (unaudited) Accident and Health 62.1 % 35.9 % 1.8 % 0.2 % — % — % (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 10 (unaudited) Reciprocal Exchanges - homeowners & other property 64.9 % 22.1 % 3.1 % 3.6 % 1.9 % 1.4 % 1.0 % 0.8 % 0.5 % 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 10 (unaudited) Property and Casualty - auto liability, including recreational vehicles and motorcycles 42.8 % 33.3 % 11.4 % 5.9 % 3.6 % 1.6 % 0.7 % 0.4 % 0.1 % 0.2 % Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 10 (unaudited) Reciprocal Exchanges - auto physical damage 98.8 % 2.3 % (1.3 )% 0.2 % — % — % — % — % — % — % Average Annual Percentage Payout of Accident Year Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 10 (unaudited) Reciprocal Exchanges - auto liability 30.6 % 25.3 % 14.1 % 13.5 % 8.9 % 4.1 % 1.3 % 0.9 % 0.4 % 0.7 %
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, 2019 Net outstanding liabilities: Property and Casualty - Auto Liability $ 1,171,063 Property and Casualty - Auto Physical Damage 59,809 Property and Casualty - Homeowners and Other Property 140,028 Accident and Health 103,635 Reciprocal Exchanges - Auto Liability 67,331 Reciprocal Exchanges - Auto Physical Damage (297 ) Reciprocal Exchanges - Homeowners and Other Property 41,513 Net reserve for claims and allocated claim adjustment expenses $ 1,583,082 Reinsurance recoverable: (1) Property and Casualty - Auto Liability $ 848,885 Property and Casualty - Auto Physical Damage 11,873 Property and Casualty - Homeowners and Other Property 155,610 Accident and Health 11,266 Reciprocal Exchanges - Auto Liability 33,022 Reciprocal Exchanges - Auto Physical Damage 297 Reciprocal Exchanges - Homeowners and Other Property 50,855 Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses $ 1,111,808 Insurance lines other than short-duration $ 32,032 Acquisition 61,589 Unallocated claims adjustment expenses (“ULAE”) 97,903 Subtotal $ 191,524 Gross reserve for claims and claim adjustment expenses $ 2,886,414 (1) I ncludes $548,370 from MCCA and $146,496 from NCRF. See Note 9 , “ 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: 2019 - Current Accident Year Incurred 2019 - Current Accident Year Paid Property and Casualty Accident and Health Reciprocal Total Property and Casualty Accident and Health Reciprocal Total Rollforward table $ 2,320,053 $ 356,036 $ 173,215 $ 2,849,304 $ 1,430,072 $ 219,234 $ 111,380 $ 1,760,686 Development tables 1,988,480 256,745 142,857 2,388,082 1,154,877 158,345 88,910 1,402,132 Variance $ 331,573 $ 99,291 $ 30,358 $ 461,222 $ 275,195 $ 60,889 $ 22,470 $ 358,554 Unallocated claims adjustment expenses $ 287,425 $ 12,912 $ 30,358 $ 330,695 $ 221,095 $ 8,211 $ 22,470 $ 251,776 Long-duration contracts — 32,859 — 32,859 — 17,851 — 17,851 Acquisition 44,148 — — 44,148 54,100 — — 54,100 Sale of Euroaccident — 53,520 — 53,520 — 34,827 — 34,827 Variance $ 331,573 $ 99,291 $ 30,358 $ 461,222 $ 275,195 $ 60,889 $ 22,470 $ 358,554 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: 2019 - Prior Accident Year Incurred 2019 - Prior Accident Year Paid Property and Casualty Accident and Health Reciprocal Total Property and Casualty Accident and Health Reciprocal Total Rollforward table $ 46,623 $ (45,356 ) $ 3,897 $ 5,164 $ 841,613 $ 109,653 $ 44,611 $ 995,877 Development tables 53,726 (33,400 ) 6,748 27,074 763,888 78,479 40,360 882,727 Variance $ (7,103 ) $ (11,956 ) $ (2,851 ) $ (21,910 ) $ 77,725 $ 31,174 $ 4,251 $ 113,150 Unallocated claims adjustment expenses $ (7,666 ) $ 89 $ (2,987 ) $ (10,564 ) $ 55,276 $ 5,339 $ 3,902 $ 64,517 Accident years prior to 2011 563 — 136 699 874 — 349 1,223 Delaware captive subsidiaries — (269 ) — (269 ) — (269 ) — (269 ) Long-duration contracts — (6,583 ) — (6,583 ) — 7,441 — 7,441 Acquisition — — — — 21,575 — — 21,575 Sale of Euroaccident — (5,193 ) — (5,193 ) — 18,663 — 18,663 Variance $ (7,103 ) $ (11,956 ) $ (2,851 ) $ (21,910 ) $ 77,725 $ 31,174 $ 4,251 $ 113,150

Reinsurance (Tables)

Reinsurance (Tables)	12 Months Ended
	Dec. 31, 2019
Ceded Credit Risk
Schedule of Effects of Reinsurance on Premiums and Losses	Reinsurance recoverable consists of the following: December 31, 2019 2018 Reinsurance recoverable on paid losses $ 282,500 $ 326,596 Reinsurance recoverable on unpaid losses 1,111,808 1,285,142 Reinsurance recoverable $ 1,394,308 $ 1,611,738 The following is the effect of reinsurance on unpaid loss and LAE reserves and unearned premiums: December 31, 2019 2018 Assumed Ceded Assumed Ceded Unpaid loss and LAE reserves $ 50,884 $ 1,111,808 $ 84,469 $ 1,285,142 Unearned premiums 15,278 575,747 21,015 665,674 The following is the effect of reinsurance on premiums and loss and LAE: Year Ended December 31, 2019 2018 2017 Premium: Written Earned Written Earned Written Earned Direct $ 5,508,245 $ 5,486,835 $ 5,317,742 $ 5,049,512 $ 4,637,911 $ 4,233,184 Assumed 74,835 80,572 99,097 123,265 118,074 239,230 Total Gross Premium 5,583,080 5,567,407 5,416,839 5,172,777 4,755,985 4,472,414 Ceded (1,358,459 ) (1,449,365 ) (1,589,126 ) (1,440,575 ) (1,178,390 ) (818,238 ) Net Premium $ 4,224,621 $ 4,118,042 $ 3,827,713 $ 3,732,202 $ 3,577,595 $ 3,654,176 Year Ended December 31, 2019 2018 2017 Assumed Ceded Assumed Ceded Assumed Ceded Loss and LAE $ 32,745 $ 801,041 $ 29,290 $ 1,041,286 $ 128,418 $ 790,524
Ceded Credit Risk	The following tables present information for each reinsurer by reinsurance recoverable, prepaid reinsurance and funds held balances: Recoverable on December 31, 2019 A.M. Best Rating Unpaid Losses Paid Losses Prepaid Reinsurance Funds Held Net Reinsurer: MCCA NR (1) $ 548,370 $ 9,940 $ 3,927 $ — $ 562,237 NCRF NR (1) 146,496 44,759 88,022 — 279,277 Hannover Ruck SE A+ 155,223 101,064 134,878 (254,558 ) 136,607 Other reinsurers' balances - each less than 5% of total (2) — 261,719 126,737 348,920 (4,884 ) 732,492 Total $ 1,111,808 $ 282,500 $ 575,747 $ (259,442 ) $ 1,710,613 NGHC $ 1,027,634 $ 247,549 $ 469,853 $ (259,442 ) $ 1,485,594 Reciprocal Exchanges 84,174 34,951 105,894 — 225,019 Total $ 1,111,808 $ 282,500 $ 575,747 $ (259,442 ) $ 1,710,613 Recoverable on December 31, 2018 A.M. Best Unpaid Paid Prepaid Funds Held Net Reinsurer: MCCA NR (1) $ 590,188 $ 7,470 $ 3,894 $ — $ 601,552 NCRF NR (1) 134,916 36,418 82,550 — 253,884 Hannover Ruck SE A+ 182,184 120,624 192,700 (282,129 ) 213,379 Other reinsurers' balances - each less than 5% of total (2) — 377,854 162,084 386,530 (4,861 ) 921,607 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 (1) NR - not rated by A.M. Best (2) Rated A- or higher by A.M. Best or collateralized
MCCA
Ceded Credit Risk
Schedule of Effects of Reinsurance on Premiums and Losses	Reinsurance recoverable from MCCA are as follows: December 31, 2019 2018 Reinsurance recoverable on paid losses $ 9,940 $ 7,470 Reinsurance recoverable on unpaid losses 548,370 590,188 Reinsurance recoverable $ 558,310 $ 597,658
Schedule of Summary of Premiums and Losses Ceded	The following is a summary of premiums and losses ceded to MCCA: Year Ended December 31, 2019 2018 2017 Ceded earned premiums $ 9,867 $ 9,676 $ 9,323 Ceded Loss and LAE (23,616 ) (54,105 ) 14,304
NCRF
Ceded Credit Risk
Schedule of Effects of Reinsurance on Premiums and Losses	Reinsurance recoverable from NCRF are as follows: December 31, 2019 2018 Reinsurance recoverable on paid losses $ 44,759 $ 36,418 Reinsurance recoverable on unpaid losses 146,496 134,916 Reinsurance recoverable $ 191,255 $ 171,334
Schedule of Summary of Premiums and Losses Ceded	The following is a summary of premiums and losses ceded to NCRF: Year Ended December 31, 2019 2018 2017 Ceded earned premiums $ 234,370 $ 232,270 $ 190,809 Ceded Loss and LAE 222,796 210,297 186,051

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense (Benefit)	Federal income tax expense consisted of the following: Year Ended December 31, 2019 2018 2017 NGHC Reciprocal Exchanges Total NGHC Reciprocal Exchanges Total NGHC Reciprocal Exchanges Total Current tax expense (benefit) Federal $ 69,985 $ (2,257 ) $ 67,728 $ 27,039 $ (2,290 ) $ 24,749 $ 13,876 $ 2,840 $ 16,716 Foreign 2,621 — 2,621 1,376 — 1,376 2,057 — 2,057 Total current tax expense (benefit) $ 72,606 $ (2,257 ) $ 70,349 $ 28,415 $ (2,290 ) $ 26,125 $ 15,933 $ 2,840 $ 18,773 Deferred tax expense (benefit) Federal $ 13,497 $ (6,833 ) $ 6,664 $ 28,015 $ (1,260 ) $ 26,755 $ 59,304 $ (8,485 ) $ 50,819 Foreign — — — 604 — 604 (8,319 ) — (8,319 ) Total deferred tax expense (benefit) $ 13,497 $ (6,833 ) $ 6,664 $ 28,619 $ (1,260 ) $ 27,359 $ 50,985 $ (8,485 ) $ 42,500 Provision (benefit) for income taxes $ 86,103 $ (9,090 ) $ 77,013 $ 57,034 $ (3,550 ) $ 53,484 $ 66,918 $ (5,645 ) $ 61,273
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, 2019 2018 2017 NGHC Reciprocal Total NGHC Reciprocal Total NGHC Reciprocal Total Domestic $ 358,079 $ (29,729 ) $ 328,350 $ 244,463 $ (43,380 ) $ 201,083 $ 221,833 $ (9,282 ) $ 212,551 Foreign 76,093 — 76,093 19,925 — 19,925 (49,070 ) — (49,070 ) Income (loss) $ 434,172 $ (29,729 ) $ 404,443 $ 264,388 $ (43,380 ) $ 221,008 $ 172,763 $ (9,282 ) $ 163,481
Schedule of Deferred Tax 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 2019 enacted rate of 21% . December 31, 2019 2018 NGHC Reciprocal Total NGHC Reciprocal Total Deferred tax assets: Accrued expenses $ 3,178 $ 683 $ 3,861 $ 6,481 $ — $ 6,481 Unearned premiums and other revenue 64,155 5,146 69,301 57,573 4,128 61,701 Bad debt 4,876 114 4,990 4,021 222 4,243 Loss reserve discount 10,355 1,042 11,397 9,902 767 10,669 Net operating loss carryforwards 102,535 13,962 116,497 87,457 11,403 98,860 Surplus note interest 2,081 — 2,081 — — — Unrealized capital losses — — — 10,013 1,236 11,249 Other 9,740 4,882 14,622 14,522 805 15,327 Gross deferred tax assets 196,920 25,829 222,749 189,969 18,561 208,530 Less: Valuation allowance (65,257 ) (6,523 ) (71,780 ) (53,716 ) (6,628 ) (60,344 ) Total deferred tax assets 131,663 19,306 150,969 136,253 11,933 148,186 Deferred tax liabilities: Deferred acquisition costs 49,828 4,894 54,722 47,415 4,201 51,616 Intangible assets 36,495 700 37,195 42,264 918 43,182 Goodwill 4,204 — 4,204 3,007 — 3,007 Property and equipment 28,922 — 28,922 18,920 — 18,920 Surplus note interest — 13,828 13,828 — 12,355 12,355 Unrealized capital gains 19,870 1,062 20,932 — — — Other 11,671 81 11,752 1,090 255 1,345 Gross deferred tax liabilities 150,990 20,565 171,555 112,696 17,729 130,425 Deferred tax asset $ — $ — $ — $ 23,557 $ — $ 23,557 Deferred tax liability $ (19,327 ) $ (1,259 ) $ (20,586 ) $ — $ (5,796 ) $ (5,796 )
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 years ended December 31, 2019 and 2018 , and 35% for the year ended December 31, 2017 . The reasons for such differences are as follows: Year Ended December 31, 2019 NGHC Tax Rate Reciprocal Exchanges Tax Rate Total Tax Rate Income (loss) before provision for income taxes $ 434,172 $ (29,729 ) $ 404,443 Tax rate 21.0 % 21.0 % 21.0 % Computed “expected” tax expense $ 91,176 21.0 % $ (6,243 ) 21.0 % $ 84,933 21.0 % Tax effects resulting from: Tax-exempt interest (810 ) (0.2 ) (28 ) 0.1 (838 ) (0.2 ) Effect of foreign operations (1,192 ) (0.3 ) — — (1,192 ) (0.3 ) State taxes (2,357 ) (0.5 ) 210 (0.7 ) (2,147 ) (0.5 ) Change in valuation allowance 11,541 2.7 (105 ) 0.4 11,436 2.8 Benefits of operating loss carryforwards (11,541 ) (2.7 ) — — (11,541 ) (2.9 ) Other permanent items (714 ) (0.2 ) (2,924 ) 9.8 (3,638 ) (0.9 ) Provision (benefit) for income taxes $ 86,103 19.8 % $ (9,090 ) 30.6 % $ 77,013 19.0 % 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 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 %

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2019
Debt Disclosure [Abstract]
Schedule of Debt Instruments	The following table represents the Company’s debt: December 31, Interest Rate Maturity 2019 2018 Fixed-rate: 6.75% Notes 6.75% 2024 $ 350,000 $ 350,000 7.625% Notes 7.625% 2055 100,000 100,000 Floating-rate: Subordinated Debentures I (1) LIBOR + 3.40% 2035 41,238 41,238 Subordinated Debentures II (2) LIBOR + 4.25% 2037 30,930 30,930 2016 Credit Agreement (3) LIBOR + 2.00% — — 160,000 2019 Credit Agreement (4) LIBOR + 1.75% 2023 140,000 — Finance lease liabilities Various Various 20,477 14,824 Other 3.5% Various 9,342 15,522 Unamortized debt issuance costs and unamortized discount (5,981 ) (6,719 ) Total carrying amount of debt $ 686,006 $ 705,795 (1) Interest rate was 5.29% and 6.19% , as of December 31, 2019 and 2018 , respectively. (2) Interest rate was 6.14% and 7.04% , as of December 31, 2019 and 2018 , respectively. (3) Weighted-average interest rate was 4.58% as of December 31, 2018 . (4) Weighted-average interest rate was 3.59%
Schedule of Interest Expense	The following table presents the Company’s interest expense: Year Ended December 31, Interest Payment Frequency 2019 2018 2017 6.75% Notes Semiannually $ 23,625 $ 23,625 $ 23,688 7.625% Notes Quarterly 7,625 7,625 7,454 Subordinated Debentures Quarterly 4,536 4,346 3,768 2016 Credit Agreement Quarterly 1,211 7,491 4,229 2019 Credit Agreement Quarterly 5,340 — — Finance lease liabilities Various 1,176 621 894 Other (1) Various 8,030 7,717 7,053 Total interest expense $ 51,543 $ 51,425 $ 47,086 (1) Includes interest for other liabilities, interest credited on funds held balances and accretion of debt issuance costs.
Schedule of Maturities of Long-term Debt	Maturities of the Company’s debt for the years subsequent to December 31, 2019 are as follows: 2020 2021 2022 2023 2024 Thereafter Total 6.75% Notes $ — $ — $ — $ — $ 350,000 $ — $ 350,000 7.625% Notes — — — — — 100,000 100,000 Subordinated Debentures I — — — — — 41,238 41,238 Subordinated Debentures II — — — — — 30,930 30,930 2019 Credit Agreement — — — 140,000 — — 140,000 Finance lease liabilities 6,653 5,278 2,997 1,750 1,242 2,557 20,477 Other 6,399 2,943 — — — — 9,342 Total principal amount of debt $ 13,052 $ 8,221 $ 2,997 $ 141,750 $ 351,242 $ 174,725 $ 691,987 Unamortized debt issuance costs and unamortized discount (5,981 ) Carrying amount of debt $ 686,006

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2019
Leases [Abstract]
Schedule of Supplemental Balance Sheet Information Related to Leases	Supplemental balance sheet information related to leases is as follow: Leases Classification December 31, 2019 Assets: Finance Buildings and improvements $ 9,068 Finance Vehicle 7,660 Finance Hardware, software and other equipment 4,276 Total finance leases Finance lease right-of-use assets 21,004 Operating Buildings 119,276 Operating Hardware, software and other equipment 658 Total operating leases Operating lease right-of-use assets 119,934 Total lease right-of-use assets Property and equipment $ 140,938 Liabilities: Finance Debt $ 20,477 Operating Other liabilities 124,960 Total lease liabilities $ 145,437
Schedule of Lease Cost	Supplemental information related to term and discount rate are as follow: Leases Classification December 31, 2019 Weighted-average remaining lease term: Finance Buildings and improvements 7.2 years Finance Vehicle 2.8 years Finance Hardware, software and other equipment 1.6 years Operating Operating lease right-of-use assets 6.0 years Weighted-average discount rate: Finance Buildings and improvements 5.9 % Finance Vehicle 4.1 % Finance Hardware, software and other equipment 3.9 % Operating Operating lease right-of-use assets 5.3 % Supplemental cash flow information related to leases is as follow: Year Ended December 31, 2019 Cash paid for amounts included in the measurement of lease liabilities Operating cash flows from finance leases $ 990 Financing cash flows from finance leases 5,664 Operating cash flows from operating leases 23,105 Leased assets obtained in exchange for new finance lease liabilities 11,317 Leased assets obtained in exchange for new operating lease liabilities 35,456 The components of lease cost are as follows: Lease Cost Classification Year Ended December 31, 2019 Finance lease cost: Amortization of leased assets General and administrative expenses $ 7,859 Interest on lease liabilities Interest expense 1,176 Finance lease cost $ 9,035 Operating lease cost General and administrative expenses $ 32,901
Schedule of Maturity of Financing Lease Liabilities	Maturities of the Company’s lease liabilities for the years subsequent to December 31, 2019 are as follows: Operating Leases Finance Leases Total 2020 $ 28,913 $ 7,547 $ 36,460 2021 26,245 5,817 32,062 2022 22,099 3,367 25,466 2023 18,541 2,010 20,551 2024 16,316 1,428 17,744 Thereafter 34,300 2,761 37,061 Total lease payments $ 146,414 $ 22,930 $ 169,344 Less: Interest (21,454 ) (2,453 ) Present value of lease liabilities $ 124,960 $ 20,477
Schedule of Maturity of Operating Lease Liabilities	Maturities of the Company’s lease liabilities for the years subsequent to December 31, 2019 are as follows: Operating Leases Finance Leases Total 2020 $ 28,913 $ 7,547 $ 36,460 2021 26,245 5,817 32,062 2022 22,099 3,367 25,466 2023 18,541 2,010 20,551 2024 16,316 1,428 17,744 Thereafter 34,300 2,761 37,061 Total lease payments $ 146,414 $ 22,930 $ 169,344 Less: Interest (21,454 ) (2,453 ) Present value of lease liabilities $ 124,960 $ 20,477

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
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, 2020 $ 5,560 2021 2,601 2022 2,420 2023 1,285 2024 773 Total $ 12,639

Stockholders' Equity (Tables)

Stockholders' Equity (Tables)	12 Months Ended
	Dec. 31, 2019
Equity [Abstract]
Schedule of Preferred Stock	A summary description of the terms of these series of preferred stock is presented in the table below: Series Dividend rate per year Shares of preferred stock issued Depositary shares issued Liquidation preference (Per Share) Aggregate liquidation preference A 7.50 % 2,200,000 — $ 25 $ 55,000 B 7.50 % 165,000 6,600,000 $ 1,000 $ 165,000 C 7.50 % 200,000 8,000,000 $ 1,000 $ 200,000 D Fixed/ Floating (1) 120 — $ 250,000 $ 30,000 (1) Dividend rate is fixed at 7.00% prior to July 15, 2023 and floating at six-month LIBOR plus 5.4941% thereafter.
Schedule of Dividends Declared	The following tables present the class of stock, declaration date and dividends paid per share in 2019 , 2018 and 2017 : Class of Stock Declaration Date Dividend Dividend Per Depositary Share Common stock October 30, 2019 $ 0.05 Common stock July 29, 2019 $ 0.05 Common stock May 6, 2019 $ 0.04 Common stock February 25, 2019 $ 0.04 Preferred stock Series A October 30, 2019 $ 0.46875 Preferred stock Series A July 29, 2019 $ 0.46875 Preferred stock Series A May 6, 2019 $ 0.46875 Preferred stock Series A February 25, 2019 $ 0.46875 Preferred stock Series B and Series C October 30, 2019 $ 18.75 $ 0.46875 Preferred stock Series B and Series C July 29, 2019 $ 18.75 $ 0.46875 Preferred stock Series B and Series C May 6, 2019 $ 18.75 $ 0.46875 Preferred stock Series B and Series C February 25, 2019 $ 18.75 $ 0.46875 Preferred stock Series D October 30, 2019 $ 8,750.00 Preferred stock Series D May 6, 2019 $ 8,750.00 Class of Stock Declaration Date Dividend Dividend Per Depositary Share Common stock October 29, 2018 $ 0.04 Common stock August 6, 2018 $ 0.04 Common stock May 7, 2018 $ 0.04 Common stock February 26, 2018 $ 0.04 Preferred stock Series A October 29, 2018 $ 0.46875 Preferred stock Series A August 6, 2018 $ 0.46875 Preferred stock Series A May 7, 2018 $ 0.46875 Preferred stock Series A February 26, 2018 $ 0.46875 Preferred stock Series B and Series C October 29, 2018 $ 18.75 $ 0.46875 Preferred stock Series B and Series C August 6, 2018 $ 18.75 $ 0.46875 Preferred stock Series B and Series C May 7, 2018 $ 18.75 $ 0.46875 Preferred stock Series B and Series C February 26, 2018 $ 18.75 $ 0.46875 Preferred stock Series D October 29, 2018 $ 8,263.89 Class of Stock Declaration Date Dividend Dividend Per Depositary Share Common stock November 6, 2017 $ 0.04 Common stock August 7, 2017 $ 0.04 Common stock May 9, 2017 $ 0.04 Common stock February 24, 2017 $ 0.04 Preferred stock Series A November 6, 2017 $ 0.46875 Preferred stock Series A August 7, 2017 $ 0.46875 Preferred stock Series A May 9, 2017 $ 0.46875 Preferred stock Series A February 24, 2017 $ 0.46875 Preferred stock Series B and Series C November 6, 2017 $ 18.75 $ 0.46875 Preferred stock Series B and Series C August 7, 2017 $ 18.75 $ 0.46875 Preferred stock Series B and Series C May 9, 2017 $ 18.75 $ 0.46875 Preferred stock Series B and Series C February 24, 2017 $ 18.75 $ 0.46875

Statutory Financial Data, Ris_2

Statutory Financial Data, Risk-Based Capital and Dividends Restrictions (Tables)	12 Months Ended
	Dec. 31, 2019
Insurance [Abstract]
Statutory Accounting Practices Disclosure	During 2019 , the Company acquired one domestic property and casualty insurance company and sold one foreign life insurance company. The following tables present the statutory capital and surplus, and net income under SAP: December 31, Statutory capital and surplus 2019 2018 Property and Casualty Insurance Companies: Domestic $ 1,547,091 $ 1,305,640 Foreign 755,545 583,872 Total $ 2,302,636 $ 1,889,512 Life Insurance Companies: Domestic $ 53,334 $ 40,813 Year Ended December 31, Statutory net income (loss) 2019 2018 2017 Property and Casualty Insurance Companies: Domestic $ 156,404 $ 16,737 $ 194,677 Foreign 102,584 64,810 9,275 Total $ 258,988 $ 81,547 $ 203,952 Life Insurance Companies: Domestic $ 7,232 $ 9,827 $ 8,987

Share-Based Compensation (Table

Share-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2019
Share-based Payment Arrangement [Abstract]
Schedule of Share-based Compensation, Stock Options, Activity	A summary of the stock option awards granted under the prior plans is shown below: Shares Subject to Options Outstanding Year Ended December 31, 2019 Number of Shares Weighted-Average Weighted-Average Aggregate (1) Outstanding at beginning of year 3,184,352 $ 9.53 Exercised (158,765 ) 3.76 Outstanding and exercisable at end of year 3,025,587 $ 9.83 3.15 $ 37,122 (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 $22.10 , as reported on the Nasdaq Global Market on December 31, 2019 .
Schedule of Share-based Compensation, Restricted Stock Units Award Activity	A summary of the RSUs is shown below: RSUs Year Ended December 31, 2019 Number of RSUs Weighted-Average Non-vested at beginning of year 938,795 $ 22.28 Granted 538,741 25.42 Vested (419,436 ) 22.07 Forfeited (24,469 ) 23.29 Non-vested at end of year 1,033,631 $ 23.98

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2019
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, 2019 2018 2017 Numerator: Net income attributable to NGHC $ 348,069 $ 207,354 $ 105,845 Preferred stock dividends - nonconvertible (31,500 ) (31,500 ) (31,500 ) Preferred stock dividends - convertible (2,100 ) (992 ) — Numerator for basic EPS 314,469 174,862 74,345 Effect of dilutive securities: Preferred stock dividends - convertible 2,100 992 — Numerator for diluted EPS - after assumed conversions $ 316,569 $ 175,854 $ 74,345 Denominator: Denominator for basic EPS - weighted-average shares outstanding 113,199,501 107,659,813 106,588,402 Effect of dilutive securities: Employee stock options 1,833,736 2,053,681 1,947,546 RSUs 274,262 319,089 216,314 Convertible preferred stock 789,473 789,473 — Dilutive potential common shares 2,897,471 3,162,243 2,163,860 Denominator for diluted EPS - weighted-average shares outstanding and assumed conversions 116,096,972 110,822,056 108,752,262 Basic EPS $ 2.78 $ 1.62 $ 0.70 Diluted EPS $ 2.73 $ 1.59 $ 0.68

Segment Information (Tables)

Segment Information (Tables)	12 Months Ended
	Dec. 31, 2019
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, 2019 Property and Casualty Accident and Health Corporate and Other Total Underwriting revenues: Gross premium written $ 4,814,463 $ 768,617 $ — $ 5,583,080 Ceded premiums (1,250,448 ) (108,011 ) — (1,358,459 ) Net premium written 3,564,015 660,606 — 4,224,621 Change in unearned premium (108,992 ) 2,413 — (106,579 ) Net earned premium 3,455,023 663,019 — 4,118,042 Ceding commission income 227,514 10,939 — 238,453 Service and fee income 392,478 249,487 — 641,965 Total underwriting revenues 4,075,015 923,445 — 4,998,460 Underwriting expenses: Loss and loss adjustment expense 2,543,788 310,680 — 2,854,468 Acquisition costs and other underwriting expenses 605,019 222,348 — 827,367 General and administrative expenses 773,291 254,208 14,273 1,041,772 Total underwriting expenses 3,922,098 787,236 14,273 4,723,607 Underwriting income 152,917 136,209 (14,273 ) 274,853 Net investment income — — 141,233 141,233 Net gain on investments — — 13,473 13,473 Other income — — 26,428 26,428 Interest expense — — (51,544 ) (51,544 ) Provision for income taxes — — (77,013 ) (77,013 ) Net loss attributable to noncontrolling interest — — 20,639 20,639 Net income attributable to NGHC $ 152,917 $ 136,209 $ 58,943 $ 348,069 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 loss attributable to noncontrolling 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 expense — — (198 ) (198 ) Interest expense — — (47,086 ) (47,086 ) Provision for income taxes — — (61,273 ) (61,273 ) Net loss attributable to noncontrolling interest — — 3,637 3,637 Net income attributable to NGHC $ 17,981 $ 44,071 $ 43,793 $ 105,845 The following tables summarize the financial position of the operating segments: December 31, 2019 Property and Casualty Accident and Health Corporate and Other Total Premiums and other receivables, net $ 1,292,813 $ 131,877 $ 4,258 $ 1,428,948 Deferred acquisition costs 239,293 24,230 — 263,523 Reinsurance recoverable 1,377,284 17,024 — 1,394,308 Prepaid reinsurance premiums 575,712 35 — 575,747 Intangible assets, net and Goodwill 436,724 108,427 — 545,151 Prepaid and other assets 56,960 32,852 4,830 94,642 Corporate and other assets — — 5,454,215 5,454,215 Total assets $ 3,978,786 $ 314,445 $ 5,463,303 $ 9,756,534 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
Revenue from External Customers by Geographic Areas	The following table shows an analysis of the premiums by geographical location: Year Ended December 31, 2019 2018 2017 NGHC Reciprocal Total NGHC Reciprocal Total NGHC Reciprocal Total Gross premium written - North America $ 4,996,296 $ 447,447 $ 5,443,743 $ 4,817,658 $ 448,923 $ 5,266,581 $ 4,252,691 $ 383,773 $ 4,636,464 Gross premium written - Europe 139,337 — 139,337 150,258 — 150,258 119,521 — 119,521 Total $ 5,135,633 $ 447,447 $ 5,583,080 $ 4,967,916 $ 448,923 $ 5,416,839 $ 4,372,212 $ 383,773 $ 4,755,985 Net premium written - North America $ 3,900,980 $ 234,472 $ 4,135,452 $ 3,523,060 $ 183,565 $ 3,706,625 $ 3,282,425 $ 175,649 $ 3,458,074 Net premium written - Europe 89,169 — 89,169 121,088 — 121,088 119,521 — 119,521 Total $ 3,990,149 $ 234,472 $ 4,224,621 $ 3,644,148 $ 183,565 $ 3,827,713 $ 3,401,946 $ 175,649 $ 3,577,595 Net earned premium - North America $ 3,816,441 $ 210,231 $ 4,026,672 $ 3,434,386 $ 186,761 $ 3,621,147 $ 3,367,695 $ 169,871 $ 3,537,566 Net earned premium - Europe 91,370 — 91,370 111,055 — 111,055 116,610 — 116,610 Total $ 3,907,811 $ 210,231 $ 4,118,042 $ 3,545,441 $ 186,761 $ 3,732,202 $ 3,484,305 $ 169,871 $ 3,654,176 The following table summarizes service and fee income by source within each operating segment: Year Ended December 31, 2019 2018 2017 Property Accident Total Property Accident Total Property Accident Total Commission revenue $ 87,486 $ 83,476 $ 170,962 $ 93,235 $ 70,086 $ 163,321 $ 78,678 $ 67,015 $ 145,693 Finance and processing fees 128,302 6,197 134,499 121,058 4,535 125,593 117,122 7,183 124,305 Group health administrative fees — 100,951 100,951 — 79,411 79,411 — 62,217 62,217 Installment fees 97,997 — 97,997 92,785 — 92,785 83,883 — 83,883 Late payment fees 34,210 309 34,519 33,765 86 33,851 27,184 121 27,305 Other service and fee income 44,483 58,554 103,037 34,760 31,862 66,622 41,446 18,078 59,524 Total $ 392,478 $ 249,487 $ 641,965 $ 375,603 $ 185,980 $ 561,583 $ 348,313 $ 154,614 $ 502,927 NGHC $ 386,723 $ 249,487 $ 636,210 $ 369,852 $ 185,980 $ 555,832 $ 342,519 $ 154,614 $ 497,133 Reciprocal Exchanges 5,755 — 5,755 5,751 — 5,751 5,794 — 5,794 Total $ 392,478 $ 249,487 $ 641,965 $ 375,603 $ 185,980 $ 561,583 $ 348,313 $ 154,614 $ 502,927
Revenue from External Customers by Product Type	The following tables show an analysis of premiums and fee income by product line: Year Ended December 31, Gross Premium Written 2019 2018 2017 Property and Casualty Personal Auto $ 2,721,202 $ 2,637,176 $ 2,334,838 Homeowners 718,819 688,006 558,827 RV/Packaged 212,746 208,394 187,475 Small Business Auto 315,569 319,299 316,958 Lender-placed Insurance 342,267 363,056 345,354 Other 56,413 53,876 47,358 Total Property and Casualty 4,367,016 4,269,807 3,790,810 Accident and Health Group 288,549 239,729 206,340 Individual 340,731 308,122 255,541 International 139,337 150,258 119,521 Total Accident and Health 768,617 698,109 581,402 Total NGHC $ 5,135,633 $ 4,967,916 $ 4,372,212 Reciprocal Exchanges Personal Auto $ 152,688 $ 153,129 $ 132,844 Homeowners 290,972 291,907 247,460 Other 3,787 3,887 3,469 Total Reciprocal Exchanges $ 447,447 $ 448,923 $ 383,773 Total Gross Premium Written $ 5,583,080 $ 5,416,839 $ 4,755,985 Year Ended December 31, Net Premium Written 2019 2018 2017 Property and Casualty Personal Auto $ 2,260,385 $ 2,016,858 $ 1,824,932 Homeowners 404,278 331,120 275,013 RV/Packaged 198,737 206,740 185,993 Small Business Auto 249,067 233,456 246,072 Lender-placed Insurance 198,171 202,069 313,124 Other 18,905 27,366 21,516 Total Property and Casualty 3,329,543 3,017,609 2,866,650 Accident and Health Group 231,388 197,386 160,234 Individual 340,049 308,065 255,541 International 89,169 121,088 119,521 Total Accident and Health 660,606 626,539 535,296 Total NGHC $ 3,990,149 $ 3,644,148 $ 3,401,946 Reciprocal Exchanges Personal Auto $ 134,958 $ 61,759 $ 68,292 Homeowners 98,009 120,875 105,536 Other 1,505 931 1,821 Total Reciprocal Exchanges $ 234,472 $ 183,565 $ 175,649 Total Net Premium Written $ 4,224,621 $ 3,827,713 $ 3,577,595 Year Ended December 31, Net Earned Premium 2019 2018 2017 Property and Casualty Personal Auto $ 2,190,748 $ 1,927,667 $ 1,828,304 Homeowners 405,306 329,850 349,709 RV/Packaged 195,639 197,258 175,888 Small Business Auto 252,359 237,587 251,576 Lender-placed Insurance 182,231 215,811 321,995 Other 18,509 20,855 23,550 Total Property and Casualty 3,244,792 2,929,028 2,951,022 Accident and Health Group 231,398 197,406 160,280 Individual 340,251 307,952 256,393 International 91,370 111,055 116,610 Total Accident and Health 663,019 616,413 533,283 Total NGHC $ 3,907,811 $ 3,545,441 $ 3,484,305 Reciprocal Exchanges Personal Auto $ 106,549 $ 59,923 $ 66,565 Homeowners 101,964 125,806 101,648 Other 1,718 1,032 1,658 Total Reciprocal Exchanges $ 210,231 $ 186,761 $ 169,871 Total Net Earned Premium $ 4,118,042 $ 3,732,202 $ 3,654,176 Year Ended December 31, Fee Income 2019 2018 2017 Property and Casualty Service and Fee Income $ 386,723 $ 369,852 $ 342,519 Ceding Commission Income 164,013 160,945 55,263 Total Property and Casualty 550,736 530,797 397,782 Accident and Health Service and Fee Income Group 134,206 104,504 76,173 Individual 9,650 9,304 14,392 Third Party Fee 105,631 72,172 64,049 Total Service and Fee Income 249,487 185,980 154,614 Ceding Commission Income 10,939 7,003 1,013 Total Accident and Health 260,426 192,983 155,627 Total NGHC $ 811,162 $ 723,780 $ 553,409 Reciprocal Exchanges Service and Fee Income $ 5,755 $ 5,751 $ 5,794 Ceding Commission Income 63,501 56,749 60,180 Total Reciprocal Exchanges $ 69,256 $ 62,500 $ 65,974 Total Fee Income $ 880,418 $ 786,280 $ 619,383

Selected Quarterly Financial _2

Selected Quarterly Financial Data (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2019
Quarterly Financial Information Disclosure [Abstract]
Schedule of Selected Quarterly Financial Information	The following tables summarize quarterly financial data: 2019 March 31, June 30, September 30, December 31, Total revenues $ 1,232,665 $ 1,269,652 $ 1,308,172 $ 1,369,105 Total expenses 1,124,820 1,170,353 1,231,186 1,248,792 Provision for income taxes 22,506 22,241 16,747 15,519 Net income 85,339 77,058 60,239 104,794 Net income attributable to NGHC 91,758 77,876 71,154 107,281 Net income attributable to NGHC common stockholders 83,883 68,951 63,279 98,356 Basic EPS $ 0.74 $ 0.61 $ 0.56 $ 0.87 Diluted EPS $ 0.72 $ 0.60 $ 0.54 $ 0.85 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

Business Disposition (Tables)

Business Disposition (Tables)	12 Months Ended
	Dec. 31, 2019
Discontinued Operations and Disposal Groups [Abstract]
Disposal Groups, Including Discontinued Operations	The following table summarizes the carrying amounts transferred to the buyer in the connection of the sale: Assets: Debt securities, available-for-sale, at fair value $ 145,485 Cash and cash equivalents 46,731 Accrued investment income 970 Premiums and other receivables, net 29,015 Deferred acquisition costs 2,940 Reinsurance recoverable 36,819 Prepaid reinsurance premiums 4,151 Property and equipment, net 2,456 Prepaid and other assets 858 Total assets $ 269,425 Liabilities: Unpaid loss and loss adjustment expense reserves $ 114,220 Unearned premiums and other revenue 26,020 Reinsurance payable 50,748 Accounts payable and accrued expenses 3,622 Other liabilities 119 Total liabilities $ 194,729 Net assets sold $ 74,696 Reconciliation of the gain on sale: Cash received $ 139,021 Net assets sold (74,696 ) Realized AOCI (21,126 ) Other expenses (3,592 ) Goodwill and intangible assets disposition (13,179 ) Gain on sale $ 26,428

Organization (Details)

Organization (Details)	Dec. 31, 2019state
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 Narratives (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Lessee, Lease, Description [Line Items]
Other liabilities	$ 376,169	$ 240,404
Debt | Accounting Standards Update 2016-02
Lessee, Lease, Description [Line Items]
Other liabilities		$ 30,346

Significant Accounting Polici_5

Significant Accounting Policies - Premiums and Other Receivables (Details)	12 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
Premium receivables, period for recognition, minimum	6 months
Premium receivables, period for recognition, maximum	12 months

Significant Accounting Polici_6

Significant Accounting Policies - Stock Compensation Expense (Details) - Restricted Stock Units (RSUs)	12 Months Ended
	Dec. 31, 2019
Minimum
Share-based Compensation
Award vesting period	3 years
Maximum
Share-based Compensation
Award vesting period	4 years

Significant Accounting Polici_7

Significant Accounting Policies - Premises and Equipment (Details)	12 Months Ended
	Dec. 31, 2019
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_8

Significant Accounting Policies - New Accounting Pronouncement (Details) - USD ($) $ in Thousands	Jan. 01, 2020	Dec. 31, 2019	Jan. 01, 2019	Dec. 31, 2018
New Accounting Pronouncements or Change in Accounting Principle
Lease, right-of-use asset		$ 140,938
Lease liability		145,437
Retained earnings		$ (1,058,138)		$ (764,056)
Accounting Standards Update 2016-02
New Accounting Pronouncements or Change in Accounting Principle
Lease, right-of-use asset			$ 85,000
Lease liability			$ 85,000
Forecast | Accounting Standards Update 2016-13
New Accounting Pronouncements or Change in Accounting Principle
Financing receivable, allowance for credit loss	$ 10,000
Retained earnings	$ 10,000

Investments - Available-for-sal

Investments - Available-for-sale Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Schedule of Available-for-sale Securities
Debt Securities	$ 4,376,691	$ 3,614,609
Gross Unrealized Gains/Losses
Gross Unrealized Gains	110,430	11,781
Gross Unrealized Losses	(10,763)	(65,358)
Fair Value
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	4,476,358	3,561,032
Other-than-temporary impairments recognized in AOCI	0	0
Reciprocal Exchanges
Schedule of Available-for-sale Securities
Debt Securities	319,190	302,970
Gross Unrealized Gains/Losses
Gross Unrealized Gains	5,479	575
Gross Unrealized Losses	(420)	(6,462)
Fair Value
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	324,249	297,083
NGHC
Schedule of Available-for-sale Securities
Debt Securities	4,057,501	3,311,639
Gross Unrealized Gains/Losses
Gross Unrealized Gains	104,951	11,206
Gross Unrealized Losses	(10,343)	(58,896)
Fair Value
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	4,152,109	3,263,949
U.S. Treasury
Schedule of Available-for-sale Securities
Debt Securities	65,037	64,829
Gross Unrealized Gains/Losses
Gross Unrealized Gains	1,992	1,026
Gross Unrealized Losses	(23)	(262)
Fair Value
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	67,006	65,593
Federal agencies
Schedule of Available-for-sale Securities
Debt Securities	3,907	37,842
Gross Unrealized Gains/Losses
Gross Unrealized Gains	8	22
Gross Unrealized Losses	0	(389)
Fair Value
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	3,915	37,475
States and political subdivision bonds
Schedule of Available-for-sale Securities
Debt Securities	298,345	274,367
Gross Unrealized Gains/Losses
Gross Unrealized Gains	4,778	1,369
Gross Unrealized Losses	(1,441)	(3,539)
Fair Value
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	301,682	272,197
Foreign government
Schedule of Available-for-sale Securities
Debt Securities	1,762	151,443
Gross Unrealized Gains/Losses
Gross Unrealized Gains	40	993
Gross Unrealized Losses	0	(70)
Fair Value
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	1,802	152,366
Corporate bonds
Schedule of Available-for-sale Securities
Debt Securities	1,859,736	1,283,061
Gross Unrealized Gains/Losses
Gross Unrealized Gains	59,184	3,094
Gross Unrealized Losses	(2,357)	(25,450)
Fair Value
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	1,916,563	1,260,705
Residential mortgage-backed securities
Schedule of Available-for-sale Securities
Debt Securities	1,265,830	944,365
Gross Unrealized Gains/Losses
Gross Unrealized Gains	15,747	716
Gross Unrealized Losses	(4,117)	(19,965)
Fair Value
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	1,277,460	925,116
Commercial mortgage-backed securities
Schedule of Available-for-sale Securities
Debt Securities	585,044	548,192
Gross Unrealized Gains/Losses
Gross Unrealized Gains	27,261	3,757
Gross Unrealized Losses	(112)	(6,974)
Fair Value
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	612,193	544,975
Asset-backed securities
Schedule of Available-for-sale Securities
Debt Securities	74,465	60,563
Gross Unrealized Gains/Losses
Gross Unrealized Gains	1,194	705
Gross Unrealized Losses	(48)	(121)
Fair Value
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	75,611	61,147
Structured securities
Schedule of Available-for-sale Securities
Debt Securities	222,565	249,947
Gross Unrealized Gains/Losses
Gross Unrealized Gains	226	99
Gross Unrealized Losses	(2,665)	(8,588)
Fair Value
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	$ 220,126	$ 241,458

Investments - Debt Securities M

Investments - Debt Securities Maturities (Details) $ in Thousands	Dec. 31, 2019USD ($)
Amortized Cost
Due in one year or less	$ 61,646
Due after one year through five years	995,476
Due after five years through ten years	1,135,893
Due after ten years	258,337
Mortgage-backed securities	1,925,339
Total	4,376,691
Fair Value
Due in one year or less	61,859
Due after one year through five years	1,022,533
Due after five years through ten years	1,166,104
Due after ten years	260,598
Mortgage-backed securities	1,965,264
Total	4,476,358
Reciprocal Exchanges
Amortized Cost
Due in one year or less	110
Due after one year through five years	115,566
Due after five years through ten years	92,236
Due after ten years	17,227
Mortgage-backed securities	94,051
Total	319,190
Fair Value
Due in one year or less	110
Due after one year through five years	117,815
Due after five years through ten years	93,239
Due after ten years	17,382
Mortgage-backed securities	95,703
Total	324,249
NGHC
Amortized Cost
Due in one year or less	61,536
Due after one year through five years	879,910
Due after five years through ten years	1,043,657
Due after ten years	241,110
Mortgage-backed securities	1,831,288
Total	4,057,501
Fair Value
Due in one year or less	61,749
Due after one year through five years	904,718
Due after five years through ten years	1,072,865
Due after ten years	243,216
Mortgage-backed securities	1,869,561
Total	$ 4,152,109

Investments - Gross Unrealized

Investments - Gross Unrealized Losses (Details) $ in Thousands	Dec. 31, 2019USD ($)security	Dec. 31, 2018USD ($)security
Schedule of Available-for-sale Securities
Less Than 12 Months	$ 1,187,942	$ 1,209,157
12 Months or More	124,587	1,171,891
Total, Fair Market Value	1,312,529	2,381,048
Less Than 12 Months	(7,993)	(24,306)
12 Months or More	(2,770)	(41,052)
Total, Unrealized Losses	$ (10,763)	$ (65,358)
Number of securities with gross unrealized loss | security	1,337	1,662
Unrealized loss positions for a period of twelve or more consecutive months	$ 0
25% of amortized cost or cost	25.00%	25.00%
Reciprocal Exchanges
Schedule of Available-for-sale Securities
Less Than 12 Months	$ 83,698	$ 93,334
12 Months or More	6,906	152,916
Total, Fair Market Value	90,604	246,250
Less Than 12 Months	(339)	(1,638)
12 Months or More	(81)	(4,824)
Total, Unrealized Losses	(420)	(6,462)
NGHC
Schedule of Available-for-sale Securities
Less Than 12 Months	1,104,244	1,115,823
12 Months or More	117,681	1,018,975
Total, Fair Market Value	1,221,925	2,134,798
Less Than 12 Months	(7,654)	(22,668)
12 Months or More	(2,689)	(36,228)
Total, Unrealized Losses	(10,343)	(58,896)
U.S. Treasury
Schedule of Available-for-sale Securities
Less Than 12 Months	19,903	474
12 Months or More	500	21,540
Total, Fair Market Value	20,403	22,014
Less Than 12 Months	(23)	(2)
12 Months or More	0	(260)
Total, Unrealized Losses	(23)	(262)
Federal agencies
Schedule of Available-for-sale Securities
Less Than 12 Months		23,729
12 Months or More		1,493
Total, Fair Market Value		25,222
Less Than 12 Months		(351)
12 Months or More		(38)
Total, Unrealized Losses		(389)
States and political subdivision bonds
Schedule of Available-for-sale Securities
Less Than 12 Months	106,103	57,090
12 Months or More	2,580	119,759
Total, Fair Market Value	108,683	176,849
Less Than 12 Months	(1,415)	(902)
12 Months or More	(26)	(2,637)
Total, Unrealized Losses	(1,441)	(3,539)
Foreign government
Schedule of Available-for-sale Securities
Less Than 12 Months		45,748
12 Months or More		0
Total, Fair Market Value		45,748
Less Than 12 Months		(70)
12 Months or More		0
Total, Unrealized Losses		(70)
Corporate bonds
Schedule of Available-for-sale Securities
Less Than 12 Months	586,817	586,359
12 Months or More	5,976	321,115
Total, Fair Market Value	592,793	907,474
Less Than 12 Months	(2,253)	(12,891)
12 Months or More	(104)	(12,559)
Total, Unrealized Losses	(2,357)	(25,450)
Residential mortgage-backed securities
Schedule of Available-for-sale Securities
Less Than 12 Months	410,484	234,396
12 Months or More	3,983	551,623
Total, Fair Market Value	414,467	786,019
Less Than 12 Months	(4,074)	(1,637)
12 Months or More	(43)	(18,328)
Total, Unrealized Losses	(4,117)	(19,965)
Commercial mortgage-backed securities
Schedule of Available-for-sale Securities
Less Than 12 Months	18,250	13,229
12 Months or More	748	148,700
Total, Fair Market Value	18,998	161,929
Less Than 12 Months	(105)	(239)
12 Months or More	(7)	(6,735)
Total, Unrealized Losses	(112)	(6,974)
Asset-backed securities
Schedule of Available-for-sale Securities
Less Than 12 Months	5,406	25,978
12 Months or More	920	1,494
Total, Fair Market Value	6,326	27,472
Less Than 12 Months	(29)	(78)
12 Months or More	(19)	(43)
Total, Unrealized Losses	(48)	(121)
Structured securities
Schedule of Available-for-sale Securities
Less Than 12 Months	40,979	222,154
12 Months or More	109,880	6,167
Total, Fair Market Value	150,859	228,321
Less Than 12 Months	(94)	(8,136)
12 Months or More	(2,571)	(452)
Total, Unrealized Losses	$ (2,665)	$ (8,588)

Investments Investments - Equit

Investments Investments - Equity Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Schedule of Trading Securities and Other Trading Assets
Equity securities, at fair value	$ 5,257	$ 10,949
Reciprocal Exchanges
Schedule of Trading Securities and Other Trading Assets
Equity securities, at fair value	0	0
NGHC
Schedule of Trading Securities and Other Trading Assets
Equity securities, at fair value	5,257	10,949
Common stock
Schedule of Trading Securities and Other Trading Assets
Equity securities, at fair value	$ 5,257	$ 10,949

Investments - Investment Income

Investments - Investment Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Net Investment Income
Investment income	$ 145,807	$ 123,333	$ 110,142
Investment expenses	(4,574)	(4,299)	(8,192)
Net investment income	141,233	119,034	101,950
Reciprocal Exchanges
Net Investment Income
Net investment income	8,638	8,875	9,325
NGHC
Net Investment Income
Net investment income	132,595	110,159	92,625
Cash and short-term investments
Net Investment Income
Investment Income	4,075	1,659	1,506
Debt securities
Net Investment Income
Investment Income	124,379	107,077	106,002
Equity securities
Net Investment Income
Investment Income	6	665	345
Other
Net Investment Income
Other, net	17,347	13,932	2,289
Related Party | Other
Net Investment Income
Other, net	$ 7,718	$ 4,876	$ (4,141)

Investments - Net Realized and

Investments - Net Realized and Unrealized Gains (Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Gain (Loss) on Investments
Equity securities	$ (3,992)	$ (12,305)	$ (9,562)
Other, net	1,052	4,030	1,699
Net gain (loss) on investments	13,473	(29,545)	46,763
Net losses recognized during the year	(3,992)	(12,305)	(20,096)
Less: Net losses recognized during the year on securities sold during the year	0	(864)	(11,851)
Net losses recognized during the reporting period on securities still held at the reporting date	(3,992)	(11,441)	(8,245)
Reciprocal Exchanges
Gain (Loss) on Investments
Net gain (loss) on investments	(130)	(3,366)	6,123
NGHC
Gain (Loss) on Investments
Net gain (loss) on investments	13,603	(26,179)	40,640
Debt securities
Gain (Loss) on Investments
Debt securities, available-for-sale, gross gains	19,870	4,590	58,405
Debt securities, available-for-sale, gross losses	(3,457)	(22,860)	(3,754)
Net gain (loss) on debt securities, available-for-sale	16,413	(18,270)	54,651
Available-for-sale Securities
Gain (Loss) on Investments
OTTI on investments	$ 0	$ 3,000	$ 25

Investments - Credit Quality of

Investments - Credit Quality of Investments (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Debt Securities and Preferred Securities | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Amortized Cost	$ 319,190	$ 302,970
Fair Value	$ 324,249	$ 297,083
Percentage	100.00%	100.00%
Debt Securities and Preferred Securities | NGHC
Schedule of Available-for-sale Securities
Amortized Cost	$ 4,057,501	$ 3,311,639
Fair Value	$ 4,152,109	$ 3,263,949
Percentage	100.00%	100.00%
U.S. Treasury | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Amortized Cost	$ 12,929	$ 12,707
Fair Value	$ 13,407	$ 12,834
Percentage	4.10%	4.30%
U.S. Treasury | NGHC
Schedule of Available-for-sale Securities
Amortized Cost	$ 52,108	$ 52,122
Fair Value	$ 53,599	$ 52,759
Percentage	1.30%	1.60%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | AAA | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Amortized Cost	$ 20,947	$ 18,335
Fair Value	$ 21,555	$ 18,109
Percentage	6.60%	6.10%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | AAA | NGHC
Schedule of Available-for-sale Securities
Amortized Cost	$ 515,869	$ 586,639
Fair Value	$ 537,508	$ 589,078
Percentage	12.90%	18.00%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | AA, AA, AA- | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Amortized Cost	$ 120,113	$ 142,525
Fair Value	$ 121,720	$ 140,114
Percentage	37.50%	47.20%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | AA, AA, AA- | NGHC
Schedule of Available-for-sale Securities
Amortized Cost	$ 1,677,787	$ 1,385,709
Fair Value	$ 1,697,220	$ 1,358,528
Percentage	40.90%	41.60%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | A, A, A- | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Amortized Cost	$ 116,747	$ 118,535
Fair Value	$ 119,041	$ 115,618
Percentage	36.70%	38.90%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | A, A, A- | NGHC
Schedule of Available-for-sale Securities
Amortized Cost	$ 954,312	$ 591,219
Fair Value	$ 976,468	$ 581,106
Percentage	23.50%	17.80%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | BBB, BBB, BBB- | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Amortized Cost	$ 48,021	$ 10,834
Fair Value	$ 48,093	$ 10,374
Percentage	14.80%	3.50%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | BBB, BBB, BBB- | NGHC
Schedule of Available-for-sale Securities
Amortized Cost	$ 795,594	$ 653,645
Fair Value	$ 823,239	$ 641,554
Percentage	19.80%	19.70%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | BB and lower | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Amortized Cost	$ 433	$ 34
Fair Value	$ 433	$ 34
Percentage	0.30%	0.00%
Debt Securities and Preferred Securities, Excluding U.S. Treasury Securities | BB and lower | NGHC
Schedule of Available-for-sale Securities
Amortized Cost	$ 61,831	$ 42,305
Fair Value	$ 64,075	$ 40,924
Percentage	1.60%	1.30%

Investments - Investment Qualit

Investments - Investment Quality Summary (Details) - Corporate Debt Securities - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Schedule of Available-for-sale Securities
Fair Value	$ 1,916,563	$ 1,260,705
% of Corporate Bonds Portfolio	100.00%	100.00%
Reciprocal Exchanges
Schedule of Available-for-sale Securities
Fair Value	$ 195,601	$ 181,606
% of Corporate Bonds Portfolio	10.20%	14.40%
NGHC
Schedule of Available-for-sale Securities
Fair Value	$ 1,720,962	$ 1,079,099
% of Corporate Bonds Portfolio	89.80%	85.60%
AAA
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	0.70%	0.40%
AAA | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	0.40%	0.40%
AAA | NGHC
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	0.30%	0.00%
AA, AA, AA-
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	6.30%	10.40%
AA, AA, AA- | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	1.20%	4.10%
AA, AA, AA- | NGHC
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	5.10%	6.30%
A, A, A-
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	50.10%	46.40%
A, A, A- | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	6.10%	9.10%
A, A, A- | NGHC
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	44.00%	37.30%
BBB, BBB, BBB-
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	42.50%	41.30%
BBB, BBB, BBB- | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	2.50%	0.70%
BBB, BBB, BBB- | NGHC
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	40.00%	40.60%
BB and lower
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	0.40%	1.50%
BB and lower | Reciprocal Exchanges
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	0.00%	0.10%
BB and lower | NGHC
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	0.40%	1.40%
Financial Institutions
Schedule of Available-for-sale Securities
Fair Value	$ 785,910	$ 535,373
% of Corporate Bonds Portfolio	41.00%	42.50%
Financial Institutions | AAA
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	0.00%	0.00%
Financial Institutions | AA, AA, AA-
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	3.60%	4.30%
Financial Institutions | A, A, A-
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	25.00%	23.10%
Financial Institutions | BBB, BBB, BBB-
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	12.10%	14.20%
Financial Institutions | BB and lower
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	0.30%	0.90%
Industrials
Schedule of Available-for-sale Securities
Fair Value	$ 1,083,959	$ 697,324
% of Corporate Bonds Portfolio	56.60%	55.30%
Industrials | AAA
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	0.70%	0.40%
Industrials | AA, AA, AA-
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	2.70%	6.10%
Industrials | A, A, A-
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	24.10%	21.50%
Industrials | BBB, BBB, BBB-
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	29.00%	26.70%
Industrials | BB and lower
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	0.10%	0.60%
Utilities And Other
Schedule of Available-for-sale Securities
Fair Value	$ 46,694	$ 28,008
% of Corporate Bonds Portfolio	2.40%	2.20%
Utilities And Other | AAA
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	0.00%	0.00%
Utilities And Other | AA, AA, AA-
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	0.00%	0.00%
Utilities And Other | A, A, A-
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	1.00%	1.80%
Utilities And Other | BBB, BBB, BBB-
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	1.40%	0.40%
Utilities And Other | BB and lower
Schedule of Available-for-sale Securities
Investment quality - corporate bond holdings and industry concentrations	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, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Investments, Debt and Equity Securities [Abstract]
Cash and cash equivalents	$ 135,942	$ 193,858
Restricted cash and cash equivalents	28,521	39,725
Total cash, cash equivalents and restricted cash	164,463	233,583	$ 357,484	$ 285,900
Securities on deposit with state regulatory authorities	74,061	73,119
Restricted investments to trusts in certain reinsurance transactions	49,502	70,470
Total restricted investments	$ 123,563	$ 143,589

Investments Investments - Short

Investments Investments - Short-term and Other Investments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Investment
Other investments	$ 306,030	$ 306,276
Equity Method Investments
Investment
Other investments	143,511	142,921
Notes Receivable
Investment
Other investments	129,299	128,893
Long-term Certificates of Deposit (CDs), at cost
Investment
Other investments	20,150	20,252
Investments, at fair value
Investment
Other investments	4,108	6,542
Investments, at cost or amortized cost
Investment
Other investments	8,962	7,668
Other investments
Investment
OTTI on investments	0	3,000	$ 0
Related Party
Investment
Other investments	238,841	233,723
Related Party | Equity Method Investments
Investment
Other investments	109,612	106,031
Related Party | Notes Receivable
Investment
Other investments	$ 129,229	$ 127,692

Investments Investments - LSC E

Investments Investments - LSC Entities (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)contract	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
LSC Entities
Schedule of Equity Method Investments
Life settlement contracts, investment method, number of contracts | contract	1
VIE, Not primary beneficiary | LSC Entities investment in LP
Schedule of Equity Method Investments
Equity method investment, ownership percentage	30.00%
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	$ 48,324	$ 160,683	$ 185,992
Distributions	(2,500)	(118,635)	(45,127)
Contributions	258	2,000	21,040
Equity in earnings (losses)	3,395	4,276	(1,222)
Change in equity method investments	1,153	(112,359)	(25,309)
Equity investment in unconsolidated subsidiaries, ending balance	$ 49,477	$ 48,324	$ 160,683
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, 2019	Dec. 31, 2018	Dec. 31, 2017
800 Superior, LLC | Related Party
Schedule of Equity Method Investments
Rent expense	$ 2,967	$ 2,889	$ 2,812
East Ninth & Superior, LLC | Related Party
Schedule of Equity Method Investments
Equity method investment, ownership percentage	50.00%
East Ninth & Superior, LLC | AmTrust Financial Services, Inc.
Schedule of Equity Method Investments
Equity method investment, ownership percentage	50.00%
800 Superior, LLC | Related Party
Schedule of Equity Method Investments
Equity method investment, ownership percentage	50.00%
Equity method investments	$ 9,365	5,125
Earnings (losses) of equity method investments (related parties)	$ 1,953	(531)	(12)
800 Superior, LLC | AmTrust Financial Services, Inc.
Schedule of Equity Method Investments
Equity method investment, ownership percentage	50.00%
Eight Hundred Superior NMTC investment Fund II | Related Party
Schedule of Equity Method Investments
Equity method investment, ownership percentage	24.50%
Eight Hundred Superior NMTC investment Fund II | AmTrust Financial Services, Inc.
Schedule of Equity Method Investments
Equity method investment, ownership percentage	24.50%
VIE, Not primary beneficiary | 800 Superior, LLC | Related Party
Schedule of Equity Method Investments
Contributions	$ 2,287	$ 0	$ 0

Investments Investments - Rel_2

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, 2019	Dec. 31, 2018	Dec. 31, 2017
Related Party
Schedule of Equity Method Investments
Equity method investment, ownership percentage	45.00%
Equity method investments	$ 5,317	$ 6,214
Earnings (losses) of equity method investments (related parties)	(357)	(243)	$ (812)
Distributions	$ 540	$ 1,125	$ 0
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_3

Investments Investments - Related Parties - 4455 LBJ Freeway, LLC (Details) - 4455 LBJ Freeway, LLC - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
AmTrust Financial Services, Inc.
Schedule of Equity Method Investments
Limited partnership, percentage participation	50.00%
Related Party
Schedule of Equity Method Investments
Equity method investment, ownership percentage	50.00%
Equity method investments	$ 1,074	$ 793
Earnings (losses) of equity method investments (related parties)	281	53	$ (160)
Related Party | 4455 LBJ Freeway, LLC
Schedule of Equity Method Investments
Rent expense	$ 2,422	$ 2,225	$ 2,303

Investments Investments - Rel_4

Investments Investments - Related Parties - Illinois Center Building, L.P. (Details) - Illinois Center Building, L.P. - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Related Party
Schedule of Equity Method Investments
Equity method investment, ownership percentage	37.50%
Equity method investments	$ 44,379	$ 45,575
Earnings (losses) of equity method investments (related parties)	(2,321)	(3,390)	$ (6,645)
Contributions	$ 1,125	$ 2,250	$ 5,625
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, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	$ 4,476,358	$ 3,561,032
Equity securities, at fair value	5,257	10,949
Short-term investments	67,353	348,549
Other investments	306,030	306,276
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	4,476,358	3,561,032
Equity securities, at fair value	5,257	10,949
Total	4,553,076	3,927,072
Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	70,921	103,068
Equity securities, at fair value	4,881	9,898
Total	135,755	461,515
Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	4,394,009	3,442,601
Equity securities, at fair value	0	0
Total	4,401,409	3,442,601
Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	11,428	15,363
Equity securities, at fair value	376	1,051
Total	15,912	22,956
Reciprocal Exchanges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	324,249	297,083
Equity securities, at fair value	0	0
Short-term investments	5,245	17,328
Reciprocal Exchanges | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Total	329,494	314,411
Reciprocal Exchanges | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Total	19,153	32,013
Reciprocal Exchanges | Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Total	310,341	282,398
Reciprocal Exchanges | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Total	0	0
NGHC
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	4,152,109	3,263,949
Equity securities, at fair value	5,257	10,949
NGHC | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Total	4,223,582	3,612,661
NGHC | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Total	116,602	429,502
NGHC | Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Total	4,091,068	3,160,203
NGHC | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Total	15,912	22,956
U.S. Treasury
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	67,006	65,593
U.S. Treasury | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	67,006	65,593
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 (Exchanges - $324,249 and $297,083)	67,006	65,593
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 (Exchanges - $324,249 and $297,083)	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 (Exchanges - $324,249 and $297,083)	0	0
Federal agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	3,915	37,475
Federal agencies | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	3,915	37,475
Federal agencies | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	3,915	37,475
Federal agencies | Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	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 (Exchanges - $324,249 and $297,083)	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 (Exchanges - $324,249 and $297,083)	301,682	272,197
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 (Exchanges - $324,249 and $297,083)	301,682	272,197
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 (Exchanges - $324,249 and $297,083)	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 (Exchanges - $324,249 and $297,083)	298,582	268,601
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 (Exchanges - $324,249 and $297,083)	3,100	3,596
Foreign government
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	1,802	152,366
Foreign government | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	1,802	152,366
Foreign government | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	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 (Exchanges - $324,249 and $297,083)	1,802	152,366
Foreign government | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	0	0
Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	1,916,563	1,260,705
Corporate bonds | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	1,916,563	1,260,705
Corporate bonds | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	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 (Exchanges - $324,249 and $297,083)	1,908,235	1,248,938
Corporate bonds | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	8,328	11,767
Residential mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	1,277,460	925,116
Residential mortgage-backed securities | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	1,277,460	925,116
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 (Exchanges - $324,249 and $297,083)	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 (Exchanges - $324,249 and $297,083)	1,277,460	925,116
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 (Exchanges - $324,249 and $297,083)	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 (Exchanges - $324,249 and $297,083)	612,193	544,975
Commercial mortgage-backed securities | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	612,193	544,975
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 (Exchanges - $324,249 and $297,083)	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 (Exchanges - $324,249 and $297,083)	612,193	544,975
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 (Exchanges - $324,249 and $297,083)	0	0
Asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	75,611	61,147
Asset-backed securities | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	75,611	61,147
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 (Exchanges - $324,249 and $297,083)	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 (Exchanges - $324,249 and $297,083)	75,611	61,147
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 (Exchanges - $324,249 and $297,083)	0	0
Structured securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	220,126	241,458
Structured securities | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	220,126	241,458
Structured securities | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	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 (Exchanges - $324,249 and $297,083)	220,126	241,458
Structured securities | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Debt securities, available-for-sale, at fair value (Exchanges - $324,249 and $297,083)	0	0
Common stock
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Equity securities, at fair value	5,257	10,949
Common stock | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Equity securities, at fair value	5,257	10,949
Common stock | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Equity securities, at fair value	4,881	9,898
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	376	1,051
Short-term Investments | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Short-term investments	67,353	348,549
Short-term Investments | Level 1 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Short-term investments	59,953	348,549
Short-term Investments | Level 2 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Short-term investments	7,400	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	4,108	6,542
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	0
Other investments | Level 3 | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Other investments	$ 4,108	$ 6,542

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, 2019	Dec. 31, 2018
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation
Balance, beginning of period	$ 22,956	$ 44,730
Transfers into Level 3	0	0
Transfers out of Level 3	0	0
Total gains (losses) for the period:
Included in earnings	(1,851)	(3,214)
Included in other comprehensive income	(3,935)	(13,263)
Sales	(1,258)	(5,297)
Balance, end of period	15,912	22,956
Change in unrealized gains (losses) for the period included in net income for assets held at the end of the reporting period	(1,851)	(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	(3,935)	(13,263)
States and political subdivision bonds
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation
Balance, beginning of period	3,596	4,081
Transfers into Level 3	0	0
Transfers out of Level 3	0	0
Total gains (losses) for the period:
Included in earnings	0	0
Included in other comprehensive income	(496)	(485)
Sales	0	0
Balance, end of period	3,100	3,596
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	(496)	(485)
Corporate bonds
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation
Balance, beginning of period	11,767	24,545
Transfers into Level 3	0	0
Transfers out of Level 3	0	0
Total gains (losses) for the period:
Included in earnings	0	0
Included in other comprehensive income	(3,439)	(12,778)
Sales	0	0
Balance, end of period	8,328	11,767
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	(3,439)	(12,778)
Common stock
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation
Balance, beginning of period	1,051	5,052
Transfers into Level 3	0	0
Transfers out of Level 3	0	0
Total gains (losses) for the period:
Included in earnings	(675)	(4,001)
Included in other comprehensive income	0	0
Sales	0	0
Balance, end of period	376	1,051
Change in unrealized gains (losses) for the period included in net income for assets held at the end of the reporting period	(675)	(4,001)
Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period	0	0
Preferred stock
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation
Balance, beginning of period	0	270
Transfers into Level 3		0
Transfers out of Level 3		0
Total gains (losses) for the period:
Included in earnings		(270)
Included in other comprehensive income		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		(270)
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
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation
Balance, beginning of period	6,542	10,782
Transfers into Level 3	0	0
Transfers out of Level 3	0	0
Total gains (losses) for the period:
Included in earnings	(1,176)	1,057
Included in other comprehensive income	0	0
Sales	(1,258)	(5,297)
Balance, end of period	4,108	6,542
Change in unrealized gains (losses) for the period included in net income for assets held at the end of the reporting period	(1,176)	606
Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period	$ 0	$ 0

Fair Value of Financial Instr_5

Fair Value of Financial Instruments Fair Value of Financial Instruments - Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Balance Sheet Grouping, Financial Statement Captions
Debt	$ 686,006	$ 705,795
6.75% Notes | Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions
Debt	$ 347,091	346,439
Interest rate on debt	6.75%
7.625% Notes | Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions
Debt	$ 96,928	96,842
Interest rate on debt	7.625%
Subordinated Debentures | Surplus Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions
Debt	$ 72,168	72,168
Credit Agreement | Line of Credit
Fair Value, Balance Sheet Grouping, Financial Statement Captions
Debt	0	160,000
2019 Credit Agreement | Line of Credit
Fair Value, Balance Sheet Grouping, Financial Statement Captions
Debt	140,000	0
Level 2 | 7.625% Notes | Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions
Fair value	103,560	90,400
Level 3 | 6.75% Notes | Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions
Fair value	371,366	353,756
Level 3 | Subordinated Debentures | Surplus Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions
Fair value	72,103	72,109
Level 3 | Credit Agreement | Line of Credit
Fair Value, Balance Sheet Grouping, Financial Statement Captions
Fair value	0	163,222
Level 3 | 2019 Credit Agreement | Line of Credit
Fair Value, Balance Sheet Grouping, Financial Statement Captions
Fair value	$ 148,272	$ 0

Deferred Acquisition Costs (Det

Deferred Acquisition Costs (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Movement Analysis of Deferred Policy Acquisition Costs
Balance, beginning of the year	$ 251,408	$ 216,389	$ 220,922
Additions	592,412	545,812	505,356
Amortization	(577,357)	(510,793)	(509,889)
Disposition	(2,940)	0	0
Change in DAC	12,115	35,019	(4,533)
End of the year	263,523	251,408	216,389
Reciprocal Exchanges
Movement Analysis of Deferred Policy Acquisition Costs
Balance, beginning of the year	20,007	20,837
End of the year	23,307	20,007	20,837
NGHC
Movement Analysis of Deferred Policy Acquisition Costs
Balance, beginning of the year	231,401	195,552
End of the year	240,216	231,401	195,552
Property and Casualty
Movement Analysis of Deferred Policy Acquisition Costs
Balance, beginning of the year	226,188	198,283	207,597
Additions	552,921	522,914	478,426
Amortization	(539,816)	(495,009)	(487,740)
Disposition	0	0	0
Change in DAC	13,105	27,905	(9,314)
End of the year	239,293	226,188	198,283
Property and Casualty | Reciprocal Exchanges
Movement Analysis of Deferred Policy Acquisition Costs
Balance, beginning of the year	20,007	20,837
End of the year	23,307	20,007	20,837
Property and Casualty | NGHC
Movement Analysis of Deferred Policy Acquisition Costs
Balance, beginning of the year	206,181	177,446
End of the year	215,986	206,181	177,446
Accident and Health
Movement Analysis of Deferred Policy Acquisition Costs
Balance, beginning of the year	25,220	18,106	13,325
Additions	39,491	22,898	26,930
Amortization	(37,541)	(15,784)	(22,149)
Disposition	(2,940)	0	0
Change in DAC	(990)	7,114	4,781
End of the year	24,230	25,220	18,106
Accident and Health | Reciprocal Exchanges
Movement Analysis of Deferred Policy Acquisition Costs
Balance, beginning of the year	0	0
End of the year	0	0	0
Accident and Health | NGHC
Movement Analysis of Deferred Policy Acquisition Costs
Balance, beginning of the year	25,220	18,106
End of the year	$ 24,230	$ 25,220	$ 18,106

Property and Equipment (Details

Property and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Property, Plant and Equipment
Cost		$ 486,864
Accumulated Depreciation		(178,860)
Net Value	$ 403,827	308,004
Finance lease, ROU asset, before accumulated amortization	37,515
Finance lease ROU asset, accumulated depreciation and amortization	16,511
Finance lease ROU asset, after accumulated depreciation and amortization	21,004
Operating lease right-of-use assets	119,934
Property, plant, and equipment and finance lease ROU assets, before accumulated depreciation and amortization	634,717
Property, plant, and equipment and finance lease ROU assets, accumulated depreciation and amortization	(230,890)
Property, plant, and equipment and finance lease ROU assets, after accumulated depreciation and amortization	403,827
Depreciation and amortization expense	61,965	55,928	$ 39,323
Reciprocal Exchanges
Property, Plant and Equipment
Cost		9,060
Accumulated Depreciation		(7,365)
Net Value	241	1,695
Property, plant, and equipment and finance lease ROU assets, before accumulated depreciation and amortization	9,059
Property, plant, and equipment and finance lease ROU assets, accumulated depreciation and amortization	(8,818)
Property, plant, and equipment and finance lease ROU assets, after accumulated depreciation and amortization	241
NGHC
Property, Plant and Equipment
Cost		477,804
Accumulated Depreciation		(171,495)
Net Value		306,309
Property, plant, and equipment and finance lease ROU assets, before accumulated depreciation and amortization	625,658
Property, plant, and equipment and finance lease ROU assets, accumulated depreciation and amortization	(222,072)
Property, plant, and equipment and finance lease ROU assets, after accumulated depreciation and amortization	403,586
Land
Property, Plant and Equipment
Cost	5,788	6,073
Accumulated Depreciation	0	0
Net Value	5,788	6,073
Buildings
Property, Plant and Equipment
Cost	24,997	31,489
Accumulated Depreciation	(2,669)	(2,554)
Net Value	22,328	28,935
Operating lease right-of-use assets	119,276
Leasehold improvements
Property, Plant and Equipment
Cost	34,238	35,469
Accumulated Depreciation	(12,372)	(9,152)
Net Value	21,866	26,317
Other equipment
Property, Plant and Equipment
Cost	24,627	28,774
Accumulated Depreciation	(3,044)	(5,670)
Net Value	21,583	23,104
Hardware and software
Property, Plant and Equipment
Cost	387,618	385,059
Accumulated Depreciation	(196,294)	(161,484)
Net Value	191,324	$ 223,575
Operating lease right-of-use assets	$ 658

Goodwill and Intangible Asset_2

Goodwill and Intangible Assets - Rollforward (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Goodwill [Roll Forward]
Balance as of January 1, 2019	$ 180,183
Acquisitions	6,726
Disposition	(7,581)
Balance as of December 31, 2019	179,328
Property and Casualty
Goodwill [Roll Forward]
Balance as of January 1, 2019	100,888
Acquisitions	1,414
Disposition	0
Balance as of December 31, 2019	102,302
Accident and Health
Goodwill [Roll Forward]
Balance as of January 1, 2019	79,295
Acquisitions	5,312
Disposition	(7,581)
Balance as of December 31, 2019	$ 77,026

Goodwill and Intangible Asset_3

Goodwill and Intangible Assets - Composition of Goodwill and Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Finite-Lived Intangible Assets
Gross Balance	$ 273,234	$ 269,575
Accumulated Amortization	(145,336)	(124,063)
Total	127,898	145,512
Goodwill and intangible assets, gross	511,159	504,000
Goodwill and Intangible assets, net	$ 365,823	379,937
Finite-lived intangible assets, weighted average useful life	12 years 2 months 12 days
Net loss reserve and risk premium, gross	$ (17,266)
Net loss reserve and risk premium, accumulated amortization	9,947
Net loss reserve and risk premium, net value	$ (7,319)
Net loss reserve and risk premium, weighted average amortization period	6 years 1 month 6 days
Reciprocal Exchanges
Finite-Lived Intangible Assets
Accumulated Amortization	$ (675)	(495)
Goodwill and intangible assets, gross	3,900	3,900
Goodwill and Intangible assets, net	3,225	3,405
Net loss reserve and risk premium, gross	(4,013)
Net loss reserve and risk premium, accumulated amortization	3,930
Net loss reserve and risk premium, net value	(83)
NGHC
Finite-Lived Intangible Assets
Accumulated Amortization	(144,661)	(123,568)
Goodwill and intangible assets, gross	507,259	500,100
Goodwill and Intangible assets, net	362,598	376,532
Net loss reserve and risk premium, gross	(13,253)
Net loss reserve and risk premium, accumulated amortization	6,017
Net loss reserve and risk premium, net value	(7,236)
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)	89,325	85,825
Trademarks
Indefinite-lived Intangible Assets
Indefinite-lived intangible assets (excluding Goodwill)	30,000	30,000
Agent/Customer relationships
Finite-Lived Intangible Assets
Gross Balance	175,157	184,617
Accumulated Amortization	(76,156)	(72,876)
Total	$ 99,001	111,741
Finite-lived intangible assets, weighted average useful life	13 years 7 months 6 days
Renewal rights
Finite-Lived Intangible Assets
Gross Balance	$ 48,566	51,057
Accumulated Amortization	(41,257)	(36,342)
Total	$ 7,309	14,715
Finite-lived intangible assets, weighted average useful life	5 years 9 months 18 days
Other intangibles
Finite-Lived Intangible Assets
Gross Balance	$ 49,511	33,901
Accumulated Amortization	(27,923)	(14,845)
Total	$ 21,588	19,056
Finite-lived intangible assets, weighted average useful life	7 years 9 months 18 days
Loss reserve discount
Finite-Lived Intangible Assets
Net loss reserve and risk premium, gross		6,203
Net loss reserve and risk premium, accumulated amortization		5,659
Net loss reserve and risk premium, net value		544
Loss reserve discount | Reciprocal Exchanges
Finite-Lived Intangible Assets
Net loss reserve and risk premium, gross		4,013
Net loss reserve and risk premium, accumulated amortization		3,820
Net loss reserve and risk premium, net value		193
Loss reserve discount | NGHC
Finite-Lived Intangible Assets
Net loss reserve and risk premium, gross		2,190
Net loss reserve and risk premium, accumulated amortization		1,839
Net loss reserve and risk premium, net value		$ 351

Goodwill and Intangible Asset_4

Goodwill and Intangible Assets - Carrying amounts of intangibles assets (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Gross Balance
Balance as of January 1, 2019	$ 504,000
Reclassification	(11,837)
Disposition	(16,425)
Balance as of December 31, 2019	511,159
Accumulated Amortization
Balance as of January 1, 2019	(124,063)
Amortization	(39,024)
Reclassification	6,924
Disposition	10,827
Balance as of December 31, 2019	(145,336)
Net Value
Balance as of January 1, 2019	379,937
Acquisitions	35,421
Reclassification	(4,913)
Disposition	(5,598)
Balance as of December 31, 2019	$ 365,823

Goodwill and Intangible Asset_5

Goodwill and Intangible Assets - Amortization Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Schedule of Amortization Expense
Amortization of Intangible Assets	$ 34,736	$ 31,367	$ 58,611
Other intangibles
Schedule of Amortization Expense
Amortization Expense	39,024	31,999	59,868
Loss reserve discount
Schedule of Amortization Expense
Amortization Expense	4,288	632	1,257
Reciprocal Exchanges
Schedule of Amortization Expense
Amortization of Intangible Assets	71	44	6,882
NGHC
Schedule of Amortization Expense
Amortization of Intangible Assets	$ 34,665	$ 31,323	$ 51,729

Goodwill and Intangible Asset_6

Goodwill and Intangible Assets - Future Amortization Expense (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Entity Information
Total	$ 127,898	$ 145,512
Finite-Lived Intangible Assets, Excluding Loss Reserve And Premium Risk
Entity Information
2020	20,516
2021	16,282
2022	14,550
2023	12,383
2024	11,450
Thereafter	45,398
Total	120,579
Finite-Lived Intangible Assets, Excluding Loss Reserve And Premium Risk | Reciprocal Exchanges
Entity Information
2020	131
2021	23
2022	(9)
2023	(2)
2024	(1)
Thereafter	0
Total	142
Finite-Lived Intangible Assets, Excluding Loss Reserve And Premium Risk | NGHC
Entity Information
2020	20,385
2021	16,259
2022	14,559
2023	12,385
2024	11,451
Thereafter	45,398
Total	$ 120,437

Unpaid Losses and Loss Adjust_3

Unpaid Losses and Loss Adjustment Expense Reserves - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Liability for Claims and Claims Adjustment Expense
Increase in gross unpaid losses and loss adjustment expense reserves	$ (70,745)	$ 293,602
Prior year	5,164	(34,034)	$ 7,349
NGHC
Liability for Claims and Claims Adjustment Expense
Prior year	1,267	(35,737)	6,447
Property and Casualty
Liability for Claims and Claims Adjustment Expense
Prior year	50,520	(3,057)	16,175
Property and Casualty | Reciprocal Exchanges
Liability for Claims and Claims Adjustment Expense
Prior year	3,897	1,703	902
Property and Casualty | NGHC
Liability for Claims and Claims Adjustment Expense
Prior year	46,623	(4,760)	15,273
Accident and Health
Liability for Claims and Claims Adjustment Expense
Prior year	(45,356)	(30,977)	(8,826)
Accident and Health | NGHC
Liability for Claims and Claims Adjustment Expense
Prior year	$ (45,356)	$ (30,977)	$ (8,826)

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, 2019	Dec. 31, 2018	Dec. 31, 2017
Liability for Claims and Claims Adjustment Expense
Gross balance at beginning of the year	$ 2,886,414	$ 2,957,159	$ 2,663,557
Less: Reinsurance recoverable at beginning of the year	(1,285,142)	(1,129,743)	(880,797)
Net balance at beginning of the year	1,672,017	1,533,814	1,393,069
Incurred losses and LAE related to:
Current year	2,849,304	2,696,260	2,618,733
Prior year	5,164	(34,034)	7,349
Total incurred	2,854,468	2,662,226	2,626,082
Paid losses and LAE related to:
Current year	(1,760,686)	(1,634,426)	(1,612,051)
Prior year	(995,877)	(880,811)	(879,830)
Total paid	(2,756,563)	(2,515,237)	(2,491,881)
Acquired losses and LAE reserves	92,574
Disposed losses and LAE reserves	(87,890)	8,786	(6,544)
Net balance at end of the year	1,774,606	1,672,017	1,533,814
Plus: Reinsurance recoverable at end of the year	1,111,808	1,285,142	1,129,743
Gross balance at end of the year	2,957,159	2,663,557	2,273,866
Reciprocal Exchanges
Liability for Claims and Claims Adjustment Expense
Gross balance at beginning of the year	205,786	178,470
Less: Reinsurance recoverable at beginning of the year	(77,979)
Paid losses and LAE related to:
Plus: Reinsurance recoverable at end of the year	84,174	77,979
Gross balance at end of the year	178,470
NGHC
Liability for Claims and Claims Adjustment Expense
Gross balance at beginning of the year	2,680,628	2,778,689	2,520,204
Less: Reinsurance recoverable at beginning of the year	(1,207,163)	(1,077,335)	(838,605)
Net balance at beginning of the year	1,571,526	1,442,869	1,298,186
Incurred losses and LAE related to:
Current year	2,676,089	2,535,245	2,499,795
Prior year	1,267	(35,737)	6,447
Total incurred	2,677,356	2,499,508	2,506,242
Paid losses and LAE related to:
Current year	(1,649,306)	(1,524,373)	(1,530,680)
Prior year	(951,266)	(837,692)	(837,423)
Total paid	(2,600,572)	(2,362,065)	(2,368,103)
Acquired losses and LAE reserves	92,574
Disposed losses and LAE reserves	(87,890)	8,786	(6,544)
Net balance at end of the year	1,652,994	1,571,526	1,442,869
Plus: Reinsurance recoverable at end of the year	1,027,634	1,207,163	1,077,335
Gross balance at end of the year	2,778,689	2,520,204	2,136,791
Property and Casualty
Incurred losses and LAE related to:
Current year	2,493,268	2,343,938	2,291,444
Prior year	50,520	(3,057)	16,175
Property and Casualty | Reciprocal Exchanges
Liability for Claims and Claims Adjustment Expense
Gross balance at beginning of the year	205,786	178,470	143,353
Less: Reinsurance recoverable at beginning of the year	(77,979)	(52,408)	(42,192)
Net balance at beginning of the year	100,491	90,945	94,883
Incurred losses and LAE related to:
Current year	173,215	161,015	118,938
Prior year	3,897	1,703	902
Total incurred	177,112	162,718	119,840
Paid losses and LAE related to:
Current year	(111,380)	(110,053)	(81,371)
Prior year	(44,611)	(43,119)	(42,407)
Total paid	(155,991)	(153,172)	(123,778)
Acquired losses and LAE reserves	0
Disposed losses and LAE reserves	0	0	0
Net balance at end of the year	121,612	100,491	90,945
Plus: Reinsurance recoverable at end of the year	84,174	77,979	52,408
Gross balance at end of the year	178,470	143,353	137,075
Property and Casualty | NGHC
Liability for Claims and Claims Adjustment Expense
Gross balance at beginning of the year	2,528,754	2,507,409	2,270,551
Less: Reinsurance recoverable at beginning of the year	(1,182,588)	(1,067,495)	(827,672)
Net balance at beginning of the year	1,324,821	1,203,056	1,108,719
Incurred losses and LAE related to:
Current year	2,320,053	2,182,923	2,172,506
Prior year	46,623	(4,760)	15,273
Total incurred	2,366,676	2,178,163	2,187,779
Paid losses and LAE related to:
Current year	(1,430,072)	(1,336,359)	(1,364,011)
Prior year	(841,613)	(720,039)	(729,431)
Total paid	(2,271,685)	(2,056,398)	(2,093,442)
Acquired losses and LAE reserves	92,574
Disposed losses and LAE reserves	0	0	0
Net balance at end of the year	1,512,386	1,324,821	1,203,056
Plus: Reinsurance recoverable at end of the year	1,016,368	1,182,588	1,067,495
Gross balance at end of the year	2,507,409	2,270,551	1,936,391
Accident and Health
Incurred losses and LAE related to:
Current year	356,036	352,322	327,289
Prior year	(45,356)	(30,977)	(8,826)
Accident and Health | NGHC
Liability for Claims and Claims Adjustment Expense
Gross balance at beginning of the year	151,874	271,280	249,653
Less: Reinsurance recoverable at beginning of the year	(24,575)	(9,840)	(10,933)
Net balance at beginning of the year	246,705	239,813	189,467
Incurred losses and LAE related to:
Current year	356,036	352,322	327,289
Prior year	(45,356)	(30,977)	(8,826)
Total incurred	310,680	321,345	318,463
Paid losses and LAE related to:
Current year	(219,234)	(188,014)	(166,669)
Prior year	(109,653)	(117,653)	(107,992)
Total paid	(328,887)	(305,667)	(274,661)
Acquired losses and LAE reserves	0
Disposed losses and LAE reserves	(87,890)	8,786	(6,544)
Net balance at end of the year	140,608	246,705	239,813
Plus: Reinsurance recoverable at end of the year	11,266	24,575	9,840
Gross balance at end of the 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) $ in Thousands	Dec. 31, 2019USD ($)claim	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)	Dec. 31, 2012USD ($)	Dec. 31, 2011USD ($)	Dec. 31, 2010USD ($)
2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 27,074
2019
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	2,388,082
Property and Casualty | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	8,019,813
Property and Casualty | 2010 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	595,609	$ 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	$ 270
Cumulative Number of Reported Claims | claim	241,703,000
Property and Casualty | 2011 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 497,424	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	$ 566
Cumulative Number of Reported Claims | claim	238,315,000
Property and Casualty | 2012 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 531,887	529,885	527,531	528,090	527,386	529,140	522,296	$ 511,797
Total of IBNR Plus Expected Development on Reported Claims	$ 196
Cumulative Number of Reported Claims | claim	249,877,000
Property and Casualty | 2013 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 575,521	572,538	567,410	563,834	556,290	556,262	$ 544,833
Total of IBNR Plus Expected Development on Reported Claims	$ 1,637
Cumulative Number of Reported Claims | claim	250,090,000
Property and Casualty | 2014 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 783,869	779,992	766,640	760,566	759,577	$ 740,531
Total of IBNR Plus Expected Development on Reported Claims	$ 1,293
Cumulative Number of Reported Claims | claim	270,033,000
Property and Casualty | 2015 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 892,244	872,064	849,051	838,040	$ 820,213
Total of IBNR Plus Expected Development on Reported Claims	$ 6,218
Cumulative Number of Reported Claims | claim	291,691,000
Property and Casualty | 2016 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 1,005,184	976,749	940,849	$ 932,350
Total of IBNR Plus Expected Development on Reported Claims	$ 23,596
Cumulative Number of Reported Claims | claim	301,660,000
Property and Casualty | 2017 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 941,837	912,370	$ 929,211
Total of IBNR Plus Expected Development on Reported Claims	$ 33,880
Cumulative Number of Reported Claims | claim	295,454,000
Property and Casualty | 2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 53,726
Property and Casualty | 2018 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	1,033,488	$ 1,047,041
Total of IBNR Plus Expected Development on Reported Claims	$ 131,044
Cumulative Number of Reported Claims | claim	306,943,000
Property and Casualty | 2019
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 1,988,480
Property and Casualty | 2019 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	1,162,750
Total of IBNR Plus Expected Development on Reported Claims	$ 436,809
Cumulative Number of Reported Claims | claim	386,846,000

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, 2019	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	$ 1,583,082
Property and Casualty | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	6,849,936
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	1,186
Net reserve for claims and allocated claim adjustment expenses	1,171,063
Property and Casualty | 2010 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	594,914	$ 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	496,680	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	530,570	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	571,643	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	773,124	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	864,226	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	937,997	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	832,553	706,151	$ 392,084
Property and Casualty | 2018 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	777,888	$ 429,231
Property and Casualty | 2019 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 470,341

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) $ in Thousands	Dec. 31, 2019USD ($)claim	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)	Dec. 31, 2012USD ($)	Dec. 31, 2011USD ($)	Dec. 31, 2010USD ($)
2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 27,074
2019
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	2,388,082
Property and Casualty | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	4,634,320
Property and Casualty | 2010 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	381,113	$ 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	$ 0
Cumulative Number of Reported Claims | claim	309,114,000
Property and Casualty | 2011 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 308,132	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	$ 0
Cumulative Number of Reported Claims | claim	298,034,000
Property and Casualty | 2012 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 294,710	295,026	295,970	296,050	296,257	295,984	298,208	$ 308,056
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	292,486,000
Property and Casualty | 2013 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 327,506	328,010	328,262	328,284	328,748	329,049	$ 335,454
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	285,748,000
Property and Casualty | 2014 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 486,156	486,373	486,383	486,206	487,302	$ 496,227
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	311,595,000
Property and Casualty | 2015 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 544,684	544,510	544,769	544,097	$ 541,008
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	329,097,000
Property and Casualty | 2016 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 620,546	621,717	622,456	$ 626,643
Total of IBNR Plus Expected Development on Reported Claims	$ (550)
Cumulative Number of Reported Claims | claim	337,775,000
Property and Casualty | 2017 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 567,411	570,699	$ 600,813
Total of IBNR Plus Expected Development on Reported Claims	$ 1,180
Cumulative Number of Reported Claims | claim	384,794,000
Property and Casualty | 2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 53,726
Property and Casualty | 2018 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	526,092	$ 548,063
Total of IBNR Plus Expected Development on Reported Claims	$ (5,823)
Cumulative Number of Reported Claims | claim	359,565,000
Property and Casualty | 2019
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 1,988,480
Property and Casualty | 2019 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	577,970
Total of IBNR Plus Expected Development on Reported Claims	$ 43,820
Cumulative Number of Reported Claims | claim	349,043,000

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, 2019	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	$ 1,583,082
Property and Casualty | Property and Casualty - Auto Physical Damage
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	4,574,515
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	4
Net reserve for claims and allocated claim adjustment expenses	59,809
Property and Casualty | 2010 | Property and Casualty - Auto Physical Damage
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	381,109	$ 381,129	$ 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	308,131	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	294,702	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	327,510	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	486,108	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	544,699	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	621,181	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	566,918	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	532,083	$ 483,149
Property and Casualty | 2019 | Property and Casualty - Auto Physical Damage
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 512,074

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) $ in Thousands	Dec. 31, 2019USD ($)claim	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)	Dec. 31, 2012USD ($)	Dec. 31, 2011USD ($)	Dec. 31, 2010USD ($)
2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 27,074
2019
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	2,388,082
Property and Casualty | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	3,624,692
Property and Casualty | 2010 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	411,263	$ 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	$ 0
Cumulative Number of Reported Claims | claim	86,466,000
Property and Casualty | 2011 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 495,148	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	$ 3
Cumulative Number of Reported Claims | claim	107,869,000
Property and Casualty | 2012 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 475,792	476,166	474,649	476,538	477,577	478,880	480,353	$ 485,454
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	112,053,000
Property and Casualty | 2013 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 296,760	296,756	296,907	296,618	299,561	300,868	$ 306,761
Total of IBNR Plus Expected Development on Reported Claims	$ 77
Cumulative Number of Reported Claims | claim	75,904,000
Property and Casualty | 2014 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 304,350	304,237	304,496	303,925	306,471	$ 318,488
Total of IBNR Plus Expected Development on Reported Claims	$ 34
Cumulative Number of Reported Claims | claim	73,477,000
Property and Casualty | 2015 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 351,305	353,688	351,747	349,559	$ 357,023
Total of IBNR Plus Expected Development on Reported Claims	$ 1,935
Cumulative Number of Reported Claims | claim	69,874,000
Property and Casualty | 2016 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 343,525	340,711	341,762	$ 350,737
Total of IBNR Plus Expected Development on Reported Claims	$ 1,109
Cumulative Number of Reported Claims | claim	60,954,000
Property and Casualty | 2017 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 370,068	365,092	$ 402,798
Total of IBNR Plus Expected Development on Reported Claims	$ 11,847
Cumulative Number of Reported Claims | claim	58,961,000
Property and Casualty | 2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 53,726
Property and Casualty | 2018 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	328,721	$ 327,462
Total of IBNR Plus Expected Development on Reported Claims	$ 13,210
Cumulative Number of Reported Claims | claim	72,612,000
Property and Casualty | 2019
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 1,988,480
Property and Casualty | 2019 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	247,760
Total of IBNR Plus Expected Development on Reported Claims	$ 43,234
Cumulative Number of Reported Claims | claim	60,676,000

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, 2019	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	$ 1,583,082
Property and Casualty | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	3,484,889
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	225
Net reserve for claims and allocated claim adjustment expenses	140,028
Property and Casualty | 2010 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	411,243	$ 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	494,922	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	475,762	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	296,442	296,383	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	303,100	301,742	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	345,257	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	337,889	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	349,600	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	298,212	$ 227,908
Property and Casualty | 2019 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 172,462

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) $ in Thousands	Dec. 31, 2019USD ($)claim	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)	Dec. 31, 2012USD ($)	Dec. 31, 2011USD ($)	Dec. 31, 2010USD ($)
2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 27,074
2019
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	2,388,082
Accident and Health | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	1,119,803
Accident and Health | 2010 | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	4,703	$ 4,703	$ 4,703	$ 4,703	$ 4,703	$ 4,703	$ 4,703	$ 4,703	$ 4,731	$ 4,847
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	10,115,000
Accident and Health | 2011 | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 4,481	4,481	4,481	4,481	4,481	4,481	4,481	4,483	$ 4,804
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	8,139,000
Accident and Health | 2012 | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 4,110	4,110	4,110	4,161	4,161	4,161	4,227	$ 4,400
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	7,630,000
Accident and Health | 2013 | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 26,274	26,274	26,272	26,361	26,457	28,578	$ 23,253
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	34,176,000
Accident and Health | 2014 | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 52,034	52,022	52,026	52,311	52,694	$ 52,245
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	69,799,000
Accident and Health | 2015 | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 181,717	181,740	181,536	184,586	$ 176,104
Total of IBNR Plus Expected Development on Reported Claims	$ 21
Cumulative Number of Reported Claims | claim	242,784,000
Accident and Health | 2016 | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 201,722	202,155	200,817	$ 215,097
Total of IBNR Plus Expected Development on Reported Claims	$ 173
Cumulative Number of Reported Claims | claim	320,530,000
Accident and Health | 2017 | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 182,865	186,415	$ 211,293
Total of IBNR Plus Expected Development on Reported Claims	$ 1,346
Cumulative Number of Reported Claims | claim	297,140,000
Accident and Health | 2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ (33,400)
Accident and Health | 2018 | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	205,152	$ 234,558
Total of IBNR Plus Expected Development on Reported Claims	$ 3,695
Cumulative Number of Reported Claims | claim	272,136,000
Accident and Health | 2019
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 256,745
Accident and Health | 2019 | Accident and Health
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	256,745
Total of IBNR Plus Expected Development on Reported Claims	$ 98,399
Cumulative Number of Reported Claims | claim	215,703,000

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, 2019	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	$ 1,583,082
Accident and Health | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	1,016,168
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	0
Net reserve for claims and allocated claim adjustment expenses	103,635
Accident and Health | 2010 | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	4,703	$ 4,703	$ 4,703	$ 4,703	$ 4,703	$ 4,703	$ 4,703	$ 4,703	$ 4,742	$ 3,604
Accident and Health | 2011 | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	4,481	4,481	4,481	4,481	4,481	4,481	4,481	4,469	$ 2,528
Accident and Health | 2012 | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	4,110	4,110	4,110	4,161	4,110	4,110	4,095	$ 3,330
Accident and Health | 2013 | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	26,155	26,155	26,154	26,242	26,327	25,754	$ 15,421
Accident and Health | 2014 | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	52,153	52,140	52,147	52,405	52,053	$ 31,765
Accident and Health | 2015 | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	181,696	181,719	181,459	178,918	$ 123,576
Accident and Health | 2016 | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	201,549	201,720	196,421	$ 125,845
Accident and Health | 2017 | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	181,519	178,047	$ 104,809
Accident and Health | 2018 | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	201,457	$ 126,269
Accident and Health | 2019 | Accident and Health
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 158,345

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) $ in Thousands	Dec. 31, 2019USD ($)claim	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)	Dec. 31, 2012USD ($)	Dec. 31, 2011USD ($)	Dec. 31, 2010USD ($)
2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 27,074
2018 | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	6,748
2019
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	2,388,082
2019 | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	142,857
Property and Casualty | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	8,019,813
Property and Casualty | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	430,384
Property and Casualty | 2010 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	595,609	$ 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	$ 270
Cumulative Number of Reported Claims | claim	241,703,000
Property and Casualty | 2010 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 57,605	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 | claim	5,822,000
Property and Casualty | 2011 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 497,424	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	$ 566
Cumulative Number of Reported Claims | claim	238,315,000
Property and Casualty | 2011 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 51,247	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 | claim	5,065,000
Property and Casualty | 2012 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 531,887	529,885	527,531	528,090	527,386	529,140	522,296	511,797
Total of IBNR Plus Expected Development on Reported Claims	$ 196
Cumulative Number of Reported Claims | claim	249,877,000
Property and Casualty | 2012 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 50,538	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 | claim	4,999,000
Property and Casualty | 2013 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 575,521	572,538	567,410	563,834	556,290	556,262	544,833
Total of IBNR Plus Expected Development on Reported Claims	$ 1,637
Cumulative Number of Reported Claims | claim	250,090,000
Property and Casualty | 2013 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 50,595	49,854	51,263	50,180	45,479	44,341	$ 43,684
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	5,097,000
Property and Casualty | 2014 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 783,869	779,992	766,640	760,566	759,577	740,531
Total of IBNR Plus Expected Development on Reported Claims	$ 1,293
Cumulative Number of Reported Claims | claim	270,033,000
Property and Casualty | 2014 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 49,369	49,168	48,246	45,930	40,850	$ 38,656
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	4,871,000
Property and Casualty | 2015 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 892,244	872,064	849,051	838,040	820,213
Total of IBNR Plus Expected Development on Reported Claims	$ 6,218
Cumulative Number of Reported Claims | claim	291,691,000
Property and Casualty | 2015 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 34,268	34,615	34,390	33,409	$ 35,573
Total of IBNR Plus Expected Development on Reported Claims	$ 303
Cumulative Number of Reported Claims | claim	4,333,000
Property and Casualty | 2016 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 1,005,184	976,749	940,849	932,350
Total of IBNR Plus Expected Development on Reported Claims	$ 23,596
Cumulative Number of Reported Claims | claim	301,660,000
Property and Casualty | 2016 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 24,310	26,109	24,460	$ 24,619
Total of IBNR Plus Expected Development on Reported Claims	$ 604
Cumulative Number of Reported Claims | claim	4,001,000
Property and Casualty | 2017 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 941,837	912,370	929,211
Total of IBNR Plus Expected Development on Reported Claims	$ 33,880
Cumulative Number of Reported Claims | claim	295,454,000
Property and Casualty | 2017 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 28,804	28,762	$ 26,214
Total of IBNR Plus Expected Development on Reported Claims	$ 4,229
Cumulative Number of Reported Claims | claim	4,919,000
Property and Casualty | 2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 53,726
Property and Casualty | 2018 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	1,033,488	1,047,041
Total of IBNR Plus Expected Development on Reported Claims	$ 131,044
Cumulative Number of Reported Claims | claim	306,943,000
Property and Casualty | 2018 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 33,891	$ 32,339
Total of IBNR Plus Expected Development on Reported Claims	$ 7,325
Cumulative Number of Reported Claims | claim	6,068,000
Property and Casualty | 2019
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 1,988,480
Property and Casualty | 2019 | Property and Casualty - Auto Liability
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	1,162,750
Total of IBNR Plus Expected Development on Reported Claims	$ 436,809
Cumulative Number of Reported Claims | claim	386,846,000
Property and Casualty | 2019 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 49,757
Total of IBNR Plus Expected Development on Reported Claims	$ 23,246
Cumulative Number of Reported Claims | claim	5,882,000

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, 2019	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	$ 1,583,082
Property and Casualty | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	221,747
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	0
Net reserve for claims and allocated claim adjustment expenses	(297)
Property and Casualty | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	6,849,936
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	1,186
Net reserve for claims and allocated claim adjustment expenses	1,171,063
Property and Casualty | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	363,095
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	42
Net reserve for claims and allocated claim adjustment expenses	67,331
Property and Casualty | 2010 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	24,651	$ 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	594,914	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	57,232	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	26,028	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	496,680	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	51,121	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	25,842	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	530,570	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	50,090	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	24,704	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	571,643	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	49,605	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	25,946	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	773,124	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	48,389	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	18,719	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	864,226	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	31,587	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	13,137	13,080	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	937,997	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	20,567	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	15,500	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	832,553	706,151	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	19,529	17,136	$ 9,111
Property and Casualty | 2018 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	19,246	18,925
Property and Casualty | 2018 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	777,888	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	19,471	$ 10,755
Property and Casualty | 2019 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	27,974
Property and Casualty | 2019 | Property and Casualty - Auto Liability
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	470,341
Property and Casualty | 2019 | Property and Casualty - Auto Liability | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 15,504

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) $ in Thousands	Dec. 31, 2019USD ($)claim	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)	Dec. 31, 2012USD ($)	Dec. 31, 2011USD ($)	Dec. 31, 2010USD ($)
2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 27,074
2018 | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	6,748
2019
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	2,388,082
2019 | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	142,857
Property and Casualty | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	4,634,320
Property and Casualty | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	221,450
Property and Casualty | 2010 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	381,113	$ 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	$ 0
Cumulative Number of Reported Claims | claim	309,114,000
Property and Casualty | 2010 | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 24,651	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 | claim	12,374,000
Property and Casualty | 2011 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 308,132	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	$ 0
Cumulative Number of Reported Claims | claim	298,034,000
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	26,028	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 | claim	12,041,000
Property and Casualty | 2012 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 294,710	295,026	295,970	296,050	296,257	295,984	298,208	308,056
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	292,486,000
Property and Casualty | 2012 | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 25,842	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 | claim	11,301,000
Property and Casualty | 2013 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 327,506	328,010	328,262	328,284	328,748	329,049	335,454
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	285,748,000
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	24,704	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 | claim	11,066,000
Property and Casualty | 2014 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 486,156	486,373	486,383	486,206	487,302	496,227
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	311,595,000
Property and Casualty | 2014 | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 26,074	25,882	25,588	25,806	27,424	$ 29,240
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	11,526,000
Property and Casualty | 2015 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 544,684	544,510	544,769	544,097	541,008
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	329,097,000
Property and Casualty | 2015 | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 18,842	18,789	18,673	18,592	$ 21,247
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	10,280,000
Property and Casualty | 2016 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 620,546	621,717	622,456	626,643
Total of IBNR Plus Expected Development on Reported Claims	$ (550)
Cumulative Number of Reported Claims | claim	337,775,000
Property and Casualty | 2016 | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 13,213	12,985	12,921	$ 12,270
Total of IBNR Plus Expected Development on Reported Claims	$ (12)
Cumulative Number of Reported Claims | claim	8,742,000
Property and Casualty | 2017 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 567,411	570,699	600,813
Total of IBNR Plus Expected Development on Reported Claims	$ 1,180
Cumulative Number of Reported Claims | claim	384,794,000
Property and Casualty | 2017 | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 15,612	15,410	$ 15,301
Total of IBNR Plus Expected Development on Reported Claims	$ 112
Cumulative Number of Reported Claims | claim	10,674,000
Property and Casualty | 2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 53,726
Property and Casualty | 2018 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	526,092	548,063
Total of IBNR Plus Expected Development on Reported Claims	$ (5,823)
Cumulative Number of Reported Claims | claim	359,565,000
Property and Casualty | 2018 | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 19,272	$ 19,146
Total of IBNR Plus Expected Development on Reported Claims	$ 26
Cumulative Number of Reported Claims | claim	13,598,000
Property and Casualty | 2019
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 1,988,480
Property and Casualty | 2019 | Property and Casualty - Auto Physical Damage
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	577,970
Total of IBNR Plus Expected Development on Reported Claims	$ 43,820
Cumulative Number of Reported Claims | claim	349,043,000
Property and Casualty | 2019 | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 27,212
Total of IBNR Plus Expected Development on Reported Claims	$ (1,625)
Cumulative Number of Reported Claims | claim	13,652,000

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, 2019	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	$ 1,583,082
Property and Casualty | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	221,747
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	0
Net reserve for claims and allocated claim adjustment expenses	(297)
Property and Casualty | 2010 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	24,651	$ 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	26,028	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	25,842	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	24,704	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	25,946	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	18,719	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	13,137	13,080	13,147	$ 12,579
Property and Casualty | 2017 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	15,500	16,141	$ 15,438
Property and Casualty | 2018 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	19,246	$ 18,925
Property and Casualty | 2019 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 27,974

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) $ in Thousands	Dec. 31, 2019USD ($)claim	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)	Dec. 31, 2012USD ($)	Dec. 31, 2011USD ($)	Dec. 31, 2010USD ($)
2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 27,074
2018 | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	6,748
2019
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	2,388,082
2019 | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	142,857
Property and Casualty | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	3,624,692
Property and Casualty | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	386,761
Property and Casualty | 2010 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	411,263	$ 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	$ 0
Cumulative Number of Reported Claims | claim	86,466,000
Property and Casualty | 2010 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 35,737	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 | claim	5,066,000
Property and Casualty | 2011 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 495,148	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	$ 3
Cumulative Number of Reported Claims | claim	107,869,000
Property and Casualty | 2011 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 28,095	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 | claim	6,652,000
Property and Casualty | 2012 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 475,792	476,166	474,649	476,538	477,577	478,880	480,353	485,454
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	112,053,000
Property and Casualty | 2012 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 20,301	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 | claim	8,427,000
Property and Casualty | 2013 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 296,760	296,756	296,907	296,618	299,561	300,868	306,761
Total of IBNR Plus Expected Development on Reported Claims	$ 77
Cumulative Number of Reported Claims | claim	75,904,000
Property and Casualty | 2013 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 23,109	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 | claim	3,165,000
Property and Casualty | 2014 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 304,350	304,237	304,496	303,925	306,471	318,488
Total of IBNR Plus Expected Development on Reported Claims	$ 34
Cumulative Number of Reported Claims | claim	73,477,000
Property and Casualty | 2014 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 27,231	27,141	26,614	25,625	24,846	$ 27,706
Total of IBNR Plus Expected Development on Reported Claims	$ 0
Cumulative Number of Reported Claims | claim	4,231,000
Property and Casualty | 2015 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 351,305	353,688	351,747	349,559	357,023
Total of IBNR Plus Expected Development on Reported Claims	$ 1,935
Cumulative Number of Reported Claims | claim	69,874,000
Property and Casualty | 2015 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 21,881	22,007	21,527	21,031	$ 30,081
Total of IBNR Plus Expected Development on Reported Claims	$ 72
Cumulative Number of Reported Claims | claim	5,448,000
Property and Casualty | 2016 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 343,525	340,711	341,762	350,737
Total of IBNR Plus Expected Development on Reported Claims	$ 1,109
Cumulative Number of Reported Claims | claim	60,954,000
Property and Casualty | 2016 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 34,501	34,851	35,274	$ 36,838
Total of IBNR Plus Expected Development on Reported Claims	$ 306
Cumulative Number of Reported Claims | claim	4,786,000
Property and Casualty | 2017 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 370,068	365,092	402,798
Total of IBNR Plus Expected Development on Reported Claims	$ 11,847
Cumulative Number of Reported Claims | claim	58,961,000
Property and Casualty | 2017 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 51,852	50,871	$ 48,222
Total of IBNR Plus Expected Development on Reported Claims	$ 2,089
Cumulative Number of Reported Claims | claim	8,817,000
Property and Casualty | 2018
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 53,726
Property and Casualty | 2018 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	328,721	327,462
Total of IBNR Plus Expected Development on Reported Claims	$ 13,210
Cumulative Number of Reported Claims | claim	72,612,000
Property and Casualty | 2018 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 78,166	$ 76,925
Total of IBNR Plus Expected Development on Reported Claims	$ 3,836
Cumulative Number of Reported Claims | claim	12,950,000
Property and Casualty | 2019
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 1,988,480
Property and Casualty | 2019 | Property and Casualty - Homeowners and other
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	247,760
Total of IBNR Plus Expected Development on Reported Claims	$ 43,234
Cumulative Number of Reported Claims | claim	60,676,000
Property and Casualty | 2019 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 65,888
Total of IBNR Plus Expected Development on Reported Claims	$ 11,427
Cumulative Number of Reported Claims | claim	11,311,000

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, 2019	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	$ 1,583,082
Property and Casualty | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	221,747
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	0
Net reserve for claims and allocated claim adjustment expenses	(297)
Property and Casualty | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	3,484,889
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	225
Net reserve for claims and allocated claim adjustment expenses	140,028
Property and Casualty | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	347,155
Unpaid loss and allocated loss adjustment expense reserves before 2011, net of reinsurance	1,907
Net reserve for claims and allocated claim adjustment expenses	41,513
Property and Casualty | 2010 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	24,651	$ 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	411,243	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	35,574	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	26,028	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	494,922	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	27,803	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	25,842	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	475,762	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	20,256	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	24,704	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	296,442	296,383	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	20,232	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	25,946	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	303,100	301,742	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	27,003	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	18,719	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	345,257	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	20,733	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	13,137	13,080	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	337,889	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	32,933	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	15,500	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	349,600	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	47,517	46,003	$ 33,166
Property and Casualty | 2018 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	19,246	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	298,212	227,908
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	69,672	$ 55,519
Property and Casualty | 2019 | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	27,974
Property and Casualty | 2019 | Property and Casualty - Homeowners and other
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	172,462
Property and Casualty | 2019 | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Claims Development
Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance	$ 45,432

Unpaid Losses and Loss Adjus_19

Unpaid Losses and Loss Adjustment Expense Reserves - Historical Claims (Details)	Dec. 31, 2019
Accident and Health | Accident and Health
Short-duration Insurance Contracts, Historical Claims Duration
Average annual percentage payout, year 1	62.10%
Average annual percentage payout, year 2	35.90%
Average annual percentage payout, year 3	1.80%
Average annual percentage payout, year 4	0.20%
Average annual percentage payout, year 5	0.00%
Average annual percentage payout, year 6	0.00%
Average annual percentage payout, year 7	(0.30%)
Average annual percentage payout, year 8	0.30%
Average annual percentage payout, year 9	0.00%
Average annual percentage payout, year 10	0.00%
Property and Casualty | Property and Casualty - Auto Liability
Short-duration Insurance Contracts, Historical Claims Duration
Average annual percentage payout, year 1	42.80%
Average annual percentage payout, year 2	33.30%
Average annual percentage payout, year 3	11.40%
Average annual percentage payout, year 4	5.90%
Average annual percentage payout, year 5	3.60%
Average annual percentage payout, year 6	1.60%
Average annual percentage payout, year 7	0.70%
Average annual percentage payout, year 8	0.40%
Average annual percentage payout, year 9	0.10%
Average annual percentage payout, year 10	0.20%
Property and Casualty | Property and Casualty - Auto Liability | Reciprocal Exchanges
Short-duration Insurance Contracts, Historical Claims Duration
Average annual percentage payout, year 1	30.60%
Average annual percentage payout, year 2	25.30%
Average annual percentage payout, year 3	14.10%
Average annual percentage payout, year 4	13.50%
Average annual percentage payout, year 5	8.90%
Average annual percentage payout, year 6	4.10%
Average annual percentage payout, year 7	1.30%
Average annual percentage payout, year 8	0.90%
Average annual percentage payout, year 9	0.40%
Average annual percentage payout, year 10	0.70%
Property and Casualty | Property and Casualty - Auto Physical Damage
Short-duration Insurance Contracts, Historical Claims Duration
Average annual percentage payout, year 1	90.10%
Average annual percentage payout, year 2	10.30%
Average annual percentage payout, year 3	(0.30%)
Average annual percentage payout, year 4	0.00%
Average annual percentage payout, year 5	0.00%
Average annual percentage payout, year 6	0.00%
Average annual percentage payout, year 7	0.00%
Average annual percentage payout, year 8	(0.10%)
Average annual percentage payout, year 9	0.00%
Average annual percentage payout, year 10	0.00%
Property and Casualty | Property and Casualty - Auto Physical Damage | Reciprocal Exchanges
Short-duration Insurance Contracts, Historical Claims Duration
Average annual percentage payout, year 1	98.80%
Average annual percentage payout, year 2	2.30%
Average annual percentage payout, year 3	(1.30%)
Average annual percentage payout, year 4	0.20%
Average annual percentage payout, year 5	0.00%
Average annual percentage payout, year 6	0.00%
Average annual percentage payout, year 7	0.00%
Average annual percentage payout, year 8	0.00%
Average annual percentage payout, year 9	0.00%
Average annual percentage payout, year 10	0.00%
Property and Casualty | Property and Casualty - Homeowners and other
Short-duration Insurance Contracts, Historical Claims Duration
Average annual percentage payout, year 1	66.30%
Average annual percentage payout, year 2	26.00%
Average annual percentage payout, year 3	4.30%
Average annual percentage payout, year 4	2.00%
Average annual percentage payout, year 5	0.80%
Average annual percentage payout, year 6	0.40%
Average annual percentage payout, year 7	0.20%
Average annual percentage payout, year 8	0.00%
Average annual percentage payout, year 9	0.00%
Average annual percentage payout, year 10	0.00%
Property and Casualty | Property and Casualty - Homeowners and other | Reciprocal Exchanges
Short-duration Insurance Contracts, Historical Claims Duration
Average annual percentage payout, year 1	64.90%
Average annual percentage payout, year 2	22.10%
Average annual percentage payout, year 3	3.10%
Average annual percentage payout, year 4	3.60%
Average annual percentage payout, year 5	1.90%
Average annual percentage payout, year 6	1.40%
Average annual percentage payout, year 7	1.00%
Average annual percentage payout, year 8	0.80%
Average annual percentage payout, year 9	0.50%
Average annual percentage payout, year 10	0.80%

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, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Reinsurance Recoverables, including Prepaid Reinsurance, net of Funds Held	$ 1,710,613	$ 1,990,422
Net reserve for claims and allocated claim adjustment expenses	1,583,082
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	282,500	326,596
Reinsurance recoverable on unpaid losses	1,111,808
Insurance lines other than short-duration	32,032
Acquisition	61,589
Unallocated claims adjustment expenses (“ULAE”)	97,903
Subtotal	191,524
Unpaid loss and loss adjustment expense reserves	2,886,414	2,957,159	$ 2,663,557	$ 2,273,866
Recoverable on unpaid losses	1,111,808	1,285,142	1,129,743	880,797
MCCA
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Reinsurance Recoverables, including Prepaid Reinsurance, net of Funds Held	562,237	601,552
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	9,940	7,470
Recoverable on unpaid losses	548,370	590,188
NCRF
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Reinsurance Recoverables, including Prepaid Reinsurance, net of Funds Held	279,277	253,884
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	44,759	36,418
Recoverable on unpaid losses	146,496	134,916
Reciprocal Exchanges
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Reinsurance Recoverables, including Prepaid Reinsurance, net of Funds Held	225,019	253,501
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	34,951	39,089
Unpaid loss and loss adjustment expense reserves	205,786	178,470
Recoverable on unpaid losses	84,174	77,979
NGHC
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Reinsurance Recoverables, including Prepaid Reinsurance, net of Funds Held	1,485,594	1,736,921
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	247,549	287,507
Unpaid loss and loss adjustment expense reserves	2,680,628	2,778,689	2,520,204	2,136,791
Recoverable on unpaid losses	1,027,634	1,207,163	1,077,335	838,605
Property and Casualty | Reciprocal Exchanges
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Net reserve for claims and allocated claim adjustment expenses	(297)
Unpaid loss and loss adjustment expense reserves	205,786	178,470	143,353	137,075
Recoverable on unpaid losses	84,174	77,979	52,408	42,192
Property and Casualty | NGHC
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Unpaid loss and loss adjustment expense reserves	2,528,754	2,507,409	2,270,551	1,936,391
Recoverable on unpaid losses	1,016,368	1,182,588	1,067,495	827,672
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	1,171,063
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	848,885
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	67,331
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	33,022
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	59,809
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	11,873
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	(297)
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	297
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	140,028
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	155,610
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	41,513
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	50,855
Accident and Health | NGHC
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
Unpaid loss and loss adjustment expense reserves	151,874	271,280	249,653	200,400
Recoverable on unpaid losses	11,266	$ 24,575	$ 9,840	$ 10,933
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	103,635
Reinsurance recoverable on unpaid claims and allocated claim adjustment expenses	$ 11,266

Unpaid Losses and Loss Adjus_21

Unpaid Losses and Loss Adjustment Expense Reserves - Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
2019 - Current Accident Year Paid
Rollforward table	$ 1,760,686	$ 1,634,426	$ 1,612,051
Development tables	2,849,304	2,696,260	2,618,733
Property and Casualty
2019 - Current Accident Year Paid
Development tables	2,493,268	2,343,938	2,291,444
Accident and Health
2019 - Current Accident Year Paid
Development tables	356,036	352,322	327,289
Reciprocal Exchanges | Property and Casualty
2019 - Current Accident Year Paid
Rollforward table	111,380	110,053	81,371
Development tables	173,215	$ 161,015	$ 118,938
2019
2019 - Current Accident Year Incurred
Rollforward table	2,849,304
Development tables	2,388,082
Variance	461,222
Unallocated claims adjustment expenses	330,695
Long-duration contracts	32,859
Acquisition	44,148
Sale of Euroaccident	53,520
Variance	461,222
2019 - Current Accident Year Paid
Rollforward table	1,760,686
Development tables	1,402,132
Variance	358,554
Unallocated claims adjustment expenses	251,776
Long-duration contracts	17,851
Acquisition	54,100
Sale of Euroaccident	34,827
Variance	358,554
2019 | Property and Casualty
2019 - Current Accident Year Incurred
Rollforward table	2,320,053
Development tables	1,988,480
Variance	331,573
Unallocated claims adjustment expenses	287,425
Long-duration contracts	0
Acquisition	44,148
Sale of Euroaccident	0
Variance	331,573
2019 - Current Accident Year Paid
Rollforward table	1,430,072
Development tables	1,154,877
Variance	275,195
Unallocated claims adjustment expenses	221,095
Long-duration contracts	0
Acquisition	54,100
Sale of Euroaccident	0
Variance	275,195
2019 | Accident and Health
2019 - Current Accident Year Incurred
Rollforward table	356,036
Development tables	256,745
Variance	99,291
Unallocated claims adjustment expenses	12,912
Long-duration contracts	32,859
Acquisition	0
Sale of Euroaccident	53,520
Variance	99,291
2019 - Current Accident Year Paid
Rollforward table	219,234
Development tables	158,345
Variance	60,889
Unallocated claims adjustment expenses	8,211
Long-duration contracts	17,851
Acquisition	0
Sale of Euroaccident	34,827
Variance	60,889
2019 | Reciprocal Exchanges
2019 - Current Accident Year Incurred
Rollforward table	173,215
Development tables	142,857
Variance	30,358
Unallocated claims adjustment expenses	30,358
Long-duration contracts	0
Acquisition	0
Sale of Euroaccident	0
Variance	30,358
2019 - Current Accident Year Paid
Rollforward table	111,380
Development tables	88,910
Variance	22,470
Unallocated claims adjustment expenses	22,470
Long-duration contracts	0
Acquisition	0
Sale of Euroaccident	0
Variance	22,470
2018
2019 - Current Accident Year Incurred
Rollforward table	5,164
Development tables	27,074
Variance	(21,910)
Unallocated claims adjustment expenses	(10,564)
Accident years prior to 2011	699
Delaware captive subsidiaries	(269)
Long-duration contracts	(6,583)
Acquisition	0
Sale of Euroaccident	(5,193)
Variance	(21,910)
2019 - Current Accident Year Paid
Rollforward table	995,877
Development tables	882,727
Variance	113,150
Unallocated claims adjustment expenses	64,517
Accident years prior to 2011	1,223
Delaware captive subsidiaries	(269)
Long-duration contracts	7,441
Acquisition	21,575
Sale of Euroaccident	18,663
Variance	113,150
2018 | Property and Casualty
2019 - Current Accident Year Incurred
Rollforward table	46,623
Development tables	53,726
Variance	(7,103)
Unallocated claims adjustment expenses	(7,666)
Accident years prior to 2011	563
Delaware captive subsidiaries	0
Long-duration contracts	0
Acquisition	0
Sale of Euroaccident	0
Variance	(7,103)
2019 - Current Accident Year Paid
Rollforward table	841,613
Development tables	763,888
Variance	77,725
Unallocated claims adjustment expenses	55,276
Accident years prior to 2011	874
Delaware captive subsidiaries	0
Long-duration contracts	0
Acquisition	21,575
Sale of Euroaccident	0
Variance	77,725
2018 | Accident and Health
2019 - Current Accident Year Incurred
Rollforward table	(45,356)
Development tables	(33,400)
Variance	(11,956)
Unallocated claims adjustment expenses	89
Accident years prior to 2011	0
Delaware captive subsidiaries	(269)
Long-duration contracts	(6,583)
Acquisition	0
Sale of Euroaccident	(5,193)
Variance	(11,956)
2019 - Current Accident Year Paid
Rollforward table	109,653
Development tables	78,479
Variance	31,174
Unallocated claims adjustment expenses	5,339
Accident years prior to 2011	0
Delaware captive subsidiaries	(269)
Long-duration contracts	7,441
Acquisition	0
Sale of Euroaccident	18,663
Variance	31,174
2018 | Reciprocal Exchanges
2019 - Current Accident Year Incurred
Rollforward table	3,897
Development tables	6,748
Variance	(2,851)
Unallocated claims adjustment expenses	(2,987)
Accident years prior to 2011	136
Delaware captive subsidiaries	0
Long-duration contracts	0
Acquisition	0
Sale of Euroaccident	0
Variance	(2,851)
2019 - Current Accident Year Paid
Rollforward table	44,611
Development tables	40,360
Variance	4,251
Unallocated claims adjustment expenses	3,902
Accident years prior to 2011	349
Delaware captive subsidiaries	0
Long-duration contracts	0
Acquisition	0
Sale of Euroaccident	0
Variance	$ 4,251

Reinsurance Narrative (Details)

Reinsurance Narrative (Details) - USD ($) $ in Thousands	Jan. 01, 2020	Jul. 01, 2019	May 01, 2019	Jul. 01, 2018	Dec. 31, 2019	Dec. 31, 2019	Jun. 30, 2017	Dec. 31, 2018
Reinsurance Retention Policy
Funds held under reinsurance agreements					$ 259,442	$ 259,442		$ 286,990
Reciprocal Exchanges
Reinsurance Retention Policy
Funds held under reinsurance agreements					0	0		0
MCCA
Reinsurance Retention Policy
Funds held under reinsurance agreements					0	0		0
Ceded Credit Risk, Secured
Reinsurance Retention Policy
Funds held under reinsurance agreements					$ 143,069	$ 143,069		$ 165,004
Personal Auto
Reinsurance Retention Policy
Reinsurance - percentage of business ceded		10.00%				7.00%
Reinsurance - percentage of ceding commission		31.20%
Homeowners
Reinsurance Retention Policy
Reinsurance - percentage of business ceded		40.00%			28.50%
Reinsurance - percentage of ceding commission		36.00%
Property Catastrophe Program
Reinsurance Retention Policy
Amount of coverage in excess of retention			$ 650,000
Property Catastrophe Program | Reciprocal Exchanges
Reinsurance Retention Policy
Amount of coverage in excess of retention		$ 480,000
Retention amount		$ 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							$ 555
Medical Insurance | MCCA
Reinsurance Retention Policy
Amount of coverage in excess of retention						$ 580
Minimum | Personal Auto
Reinsurance Retention Policy
Reinsurance - percentage of ceding commission		30.00%				5.00%
Loss ratio		64.70%
Maximum | Personal Auto
Reinsurance Retention Policy
Reinsurance - percentage of ceding commission		32.80%				30.00%
Loss ratio		67.50%
Weighted Average | Homeowners
Reinsurance Retention Policy
Reinsurance - percentage of ceding commission		37.50%
First Event | Property Catastrophe Program
Reinsurance Retention Policy
Retention amount			70,000
Second Event | Property Catastrophe Program
Reinsurance Retention Policy
Retention amount			$ 50,000
Subsequent Event | 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, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Reinsurance recoverable
Reinsurance recoverable on paid losses	$ 282,500	$ 326,596
Reinsurance recoverable on unpaid losses	1,111,808	1,285,142
Reinsurance recoverable	1,394,308	1,611,738
Assumed
Unpaid loss and LAE reserves	50,884	84,469
Unearned premiums	15,278	21,015
Ceded
Unpaid loss and LAE reserves	1,111,808	1,285,142	$ 1,129,743	$ 880,797
Prepaid Reinsurance	575,747	665,674
Written
Direct	5,508,245	5,317,742	4,637,911
Assumed	74,835	99,097	118,074
Total Gross Premium	5,583,080	5,416,839	4,755,985
Ceded	(1,358,459)	(1,589,126)	(1,178,390)
Net Premium	4,224,621	3,827,713	3,577,595
Earned
Direct	5,486,835	5,049,512	4,233,184
Assumed	80,572	123,265	239,230
Total Gross Premium	5,567,407	5,172,777	4,472,414
Ceded	(1,449,365)	(1,440,575)	(818,238)
Net Amount	4,118,042	3,732,202	3,654,176
Assumed
Loss and LAE	32,745	29,290	128,418
Ceded
Loss and LAE	801,041	1,041,286	790,524
MCCA
Reinsurance recoverable
Reinsurance recoverable	558,310	597,658
Ceded
Unpaid loss and LAE reserves	548,370	590,188
Prepaid Reinsurance	3,927	3,894
Earned
Ceded	(9,867)	(9,676)	(9,323)
Ceded
Ceded loss and LAE	23,616	54,105	(14,304)
Reinsurance recoverable on paid losses	9,940	7,470
NCRF
Reinsurance recoverable
Reinsurance recoverable	191,255	171,334
Ceded
Unpaid loss and LAE reserves	146,496	134,916
Prepaid Reinsurance	88,022	82,550
Earned
Ceded	(234,370)	(232,270)	(190,809)
Ceded
Loss and LAE	222,796	210,297	$ 186,051
Reinsurance recoverable on paid losses	$ 44,759	$ 36,418

Reinsurance Concentration of Cr

Reinsurance Concentration of Credit Risk by Reinsurer (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Ceded Credit Risk
Recoverable on unpaid losses	$ 1,111,808	$ 1,285,142	$ 1,129,743	$ 880,797
Recoverable on paid losses	282,500	326,596
Prepaid Reinsurance	575,747	665,674
Funds Held	(259,442)	(286,990)
Net	1,710,613	1,990,422
Reciprocal Exchanges
Ceded Credit Risk
Recoverable on unpaid losses	84,174	77,979
Recoverable on paid losses	34,951	39,089
Prepaid Reinsurance	105,894	136,433
Funds Held	0	0
Net	225,019	253,501
NGHC
Ceded Credit Risk
Recoverable on unpaid losses	1,027,634	1,207,163	$ 1,077,335	$ 838,605
Recoverable on paid losses	247,549	287,507
Prepaid Reinsurance	469,853	529,241
Funds Held	(259,442)	(286,990)
Net	1,485,594	1,736,921
MCCA
Ceded Credit Risk
Recoverable on unpaid losses	548,370	590,188
Recoverable on paid losses	9,940	7,470
Prepaid Reinsurance	3,927	3,894
Funds Held	0	0
Net	562,237	601,552
NCRF
Ceded Credit Risk
Recoverable on unpaid losses	146,496	134,916
Recoverable on paid losses	44,759	36,418
Prepaid Reinsurance	88,022	82,550
Funds Held	0	0
Net	279,277	253,884
Hannover Ruck SE
Ceded Credit Risk
Recoverable on unpaid losses	155,223	182,184
Recoverable on paid losses	101,064	120,624
Prepaid Reinsurance	134,878	192,700
Funds Held	(254,558)	(282,129)
Net	136,607	213,379
Other reinsurers' balances - each less than 5% of total
Ceded Credit Risk
Recoverable on unpaid losses	261,719	377,854
Recoverable on paid losses	126,737	162,084
Prepaid Reinsurance	348,920	386,530
Funds Held	(4,884)	(4,861)
Net	$ 732,492	$ 921,607

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Tax Disclosure
Federal tax rate	21.00%	21.00%	35.00%
Effective income tax rate reconciliation, tax cuts and jobs act, amount		$ 1,317,000	$ (20,589,000)
Deferred tax assets, valuation allowance	$ 71,780,000	60,344,000
Benefits of operating loss carryforwards	11,541,000	53,716,000
Net operating loss carryforwards	67,406,000	58,082,000	64,795,000
Interest or penalties recorded	$ 0	$ 0	$ 0
Reciprocal Exchanges
Income Tax Disclosure
Federal tax rate	21.00%	21.00%	35.00%
Effective income tax rate reconciliation, tax cuts and jobs act, amount		$ 366,000	$ 5,194,000
Deferred tax assets, valuation allowance	$ 6,523,000	6,628,000
Benefits of operating loss carryforwards	0	0
Net operating loss carryforwards	$ 66,484,000	$ 54,300,000	$ 18,592,000
NGHC
Income Tax Disclosure
Federal tax rate	21.00%	21.00%	35.00%
Effective income tax rate reconciliation, tax cuts and jobs act, amount		$ 951,000	$ (25,783,000)
Deferred tax assets, valuation allowance	$ 65,257,000	53,716,000
Benefits of operating loss carryforwards	$ 11,541,000	$ 53,716,000

Income Taxes - Components of In

Income Taxes - Components of Income Tax Expense (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Current tax expense (benefit)
Federal									$ 67,728	$ 24,749	$ 16,716
Foreign									2,621	1,376	2,057
Total current tax expense (benefit)									70,349	26,125	18,773
Deferred tax expense (benefit)
Federal									6,664	26,755	50,819
Foreign									0	604	(8,319)
Total deferred tax expense (benefit)									6,664	27,359	42,500
Provision (benefit) for income taxes	$ 15,519	$ 16,747	$ 22,241	$ 22,506	$ 15,223	$ 15,518	$ 6,541	$ 16,202	77,013	53,484	61,273
Reciprocal Exchanges
Current tax expense (benefit)
Federal									(2,257)	(2,290)	2,840
Foreign									0	0	0
Total current tax expense (benefit)									(2,257)	(2,290)	2,840
Deferred tax expense (benefit)
Federal									(6,833)	(1,260)	(8,485)
Foreign									0	0	0
Total deferred tax expense (benefit)									(6,833)	(1,260)	(8,485)
Provision (benefit) for income taxes									(9,090)	(3,550)	(5,645)
NGHC
Current tax expense (benefit)
Federal									69,985	27,039	13,876
Foreign									2,621	1,376	2,057
Total current tax expense (benefit)									72,606	28,415	15,933
Deferred tax expense (benefit)
Federal									13,497	28,015	59,304
Foreign									0	604	(8,319)
Total deferred tax expense (benefit)									13,497	28,619	50,985
Provision (benefit) for income taxes									$ 86,103	$ 57,034	$ 66,918

Income Taxes - Domestic and For

Income Taxes - Domestic and Foreign Components of Income Before Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Entity Information
Domestic	$ 328,350	$ 201,083	$ 212,551
Foreign	76,093	19,925	(49,070)
Income (loss)	404,443	221,008	163,481
Reciprocal Exchanges
Entity Information
Domestic	(29,729)	(43,380)	(9,282)
Foreign	0	0	0
Income (loss)	(29,729)	(43,380)	(9,282)
NGHC
Entity Information
Domestic	358,079	244,463	221,833
Foreign	76,093	19,925	(49,070)
Income (loss)	$ 434,172	$ 264,388	$ 172,763

Income Taxes - Deferred Tax Ass

Income Taxes - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Deferred tax assets:
Accrued expenses	$ 3,861	$ 6,481
Unearned premiums and other revenue	69,301	61,701
Bad debt	4,990	4,243
Loss reserve discount	11,397	10,669
Net operating loss carryforwards	116,497	98,860
Surplus note interest	2,081	0
Unrealized capital losses	0	11,249
Other	14,622	15,327
Gross deferred tax assets	222,749	208,530
Less: Valuation allowance	(71,780)	(60,344)
Total deferred tax assets	150,969	148,186
Deferred tax liabilities:
Deferred acquisition costs	54,722	51,616
Intangible assets	37,195	43,182
Goodwill	4,204	3,007
Property and equipment	28,922	18,920
Surplus note interest	13,828	12,355
Unrealized capital gains	20,932	0
Other	11,752	1,345
Gross deferred tax liabilities	171,555	130,425
Deferred tax asset	0	23,557
Deferred tax liability	(20,586)	(5,796)
Reciprocal Exchanges
Deferred tax assets:
Accrued expenses	683	0
Unearned premiums and other revenue	5,146	4,128
Bad debt	114	222
Loss reserve discount	1,042	767
Net operating loss carryforwards	13,962	11,403
Surplus note interest	0	0
Unrealized capital losses	0	1,236
Other	4,882	805
Gross deferred tax assets	25,829	18,561
Less: Valuation allowance	(6,523)	(6,628)
Total deferred tax assets	19,306	11,933
Deferred tax liabilities:
Deferred acquisition costs	4,894	4,201
Intangible assets	700	918
Goodwill	0	0
Property and equipment	0	0
Surplus note interest	13,828	12,355
Unrealized capital gains	1,062	0
Other	81	255
Gross deferred tax liabilities	20,565	17,729
Deferred tax asset	0	0
Deferred tax liability	(1,259)	(5,796)
NGHC
Deferred tax assets:
Accrued expenses	3,178	6,481
Unearned premiums and other revenue	64,155	57,573
Bad debt	4,876	4,021
Loss reserve discount	10,355	9,902
Net operating loss carryforwards	102,535	87,457
Surplus note interest	2,081	0
Unrealized capital losses	0	10,013
Other	9,740	14,522
Gross deferred tax assets	196,920	189,969
Less: Valuation allowance	(65,257)	(53,716)
Total deferred tax assets	131,663	136,253
Deferred tax liabilities:
Deferred acquisition costs	49,828	47,415
Intangible assets	36,495	42,264
Goodwill	4,204	3,007
Property and equipment	28,922	18,920
Surplus note interest	0	0
Unrealized capital gains	19,870	0
Other	11,671	1,090
Gross deferred tax liabilities	150,990	112,696
Deferred tax asset	0	23,557
Deferred tax liability	$ (19,327)	$ 0

Income Taxes - Effective Income

Income Taxes - Effective Income Tax Reconciliation (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Entity Information
Income before provision for income taxes									$ 404,443	$ 221,008	$ 163,481
Tax rate									21.00%	21.00%	35.00%
Computed “expected” tax expense									$ 84,933	$ 46,411	$ 57,218
Tax effects resulting from:
Tax-exempt interest									(838)	(940)	(2,744)
Effect of foreign operations									(1,192)	2,807	(4,940)
Goodwill impairment											1,709
Statutory equalization reserves											(8,319)
State taxes									(2,147)	4,578
Change in valuation allowance									11,436	54,934	(1,725)
Benefits of operating loss carryforwards									(11,541)	(53,716)
Effects of TCJA										(1,317)	20,589
Other permanent items									(3,638)	727	(515)
Provision (benefit) for income taxes	$ 15,519	$ 16,747	$ 22,241	$ 22,506	$ 15,223	$ 15,518	$ 6,541	$ 16,202	$ 77,013	$ 53,484	$ 61,273
Tax effects resulting from:
Tax rate									21.00%	21.00%	35.00%
Tax-exempt interest									(0.20%)	(0.40%)	(1.70%)
Effect of foreign operations									(0.30%)	1.30%	(3.00%)
Goodwill impairment											1.00%
Statutory equalization reserves											(5.10%)
State taxes									(0.50%)	2.10%
Change in valuation allowance									2.80%	24.90%	(1.10%)
Deferred tax assets, valuation allowance	71,780				60,344				$ 71,780	$ 60,344
Benefits of operating loss carryforwards									(2.90%)	(24.30%)
Effects of TCJA										(0.006)	0.126
Other permanent items									(0.90%)	0.20%	(0.20%)
Provision (benefit) for income taxes									19.00%	24.20%	37.50%
Reciprocal Exchanges
Entity Information
Income before provision for income taxes									$ (29,729)	$ (43,380)	$ (9,282)
Tax rate									21.00%	21.00%	35.00%
Computed “expected” tax expense									$ (6,243)	$ (9,110)	$ (3,249)
Tax effects resulting from:
Tax-exempt interest									(28)	(30)	(110)
Effect of foreign operations									0	0	0
Goodwill impairment											0
Statutory equalization reserves											0
State taxes									210	0
Change in valuation allowance									(105)	1,218	(1,725)
Benefits of operating loss carryforwards									0	0
Effects of TCJA										(366)	(5,194)
Other permanent items									(2,924)	4,738	4,633
Provision (benefit) for income taxes									$ (9,090)	$ (3,550)	$ (5,645)
Tax effects resulting from:
Tax rate									21.00%	21.00%	35.00%
Tax-exempt interest									0.10%	0.10%	1.20%
Effect of foreign operations									0.00%	0.00%	0.00%
Goodwill impairment											0.00%
Statutory equalization reserves											0.00%
State taxes									(0.70%)	0.00%
Change in valuation allowance									0.40%	(2.80%)	18.60%
Deferred tax assets, valuation allowance	6,523				6,628				$ 6,523	$ 6,628
Benefits of operating loss carryforwards									0.00%	0.00%
Effects of TCJA										0.008	0.560
Other permanent items									9.80%	(10.90%)	(50.00%)
Provision (benefit) for income taxes									30.60%	8.20%	60.80%
NGHC
Entity Information
Income before provision for income taxes									$ 434,172	$ 264,388	$ 172,763
Tax rate									21.00%	21.00%	35.00%
Computed “expected” tax expense									$ 91,176	$ 55,521	$ 60,467
Tax effects resulting from:
Tax-exempt interest									(810)	(910)	(2,634)
Effect of foreign operations									(1,192)	2,807	(4,940)
Goodwill impairment											1,709
Statutory equalization reserves											(8,319)
State taxes									(2,357)	4,578
Change in valuation allowance									11,541	53,716	0
Benefits of operating loss carryforwards									(11,541)	(53,716)
Effects of TCJA										(951)	25,783
Other permanent items									(714)	(4,011)	(5,148)
Provision (benefit) for income taxes									$ 86,103	$ 57,034	$ 66,918
Tax effects resulting from:
Tax rate									21.00%	21.00%	35.00%
Tax-exempt interest									(0.20%)	(0.30%)	(1.50%)
Effect of foreign operations									(0.30%)	1.10%	(2.90%)
Goodwill impairment											1.00%
Statutory equalization reserves											(4.80%)
State taxes									(0.50%)	1.70%
Change in valuation allowance									2.70%	20.30%	0.00%
Deferred tax assets, valuation allowance	$ 65,257				$ 53,716				$ 65,257	$ 53,716
Benefits of operating loss carryforwards									(2.70%)	(20.30%)
Effects of TCJA										(0.004)	0.149
Other permanent items									(0.20%)	(1.50%)	(3.00%)
Provision (benefit) for income taxes									19.80%	21.60%	38.70%

Debt - Debt Instruments (Detail

Debt - Debt Instruments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Dec. 31, 2018
Debt Instrument
Finance lease liabilities	$ 20,477
Finance lease liabilities			$ 14,824
Unamortized debt issuance costs and unamortized discount (premium), net	(5,981)		(6,719)
Long-term Debt and Lease Obligation, Including Current Maturities	$ 686,006		705,795
Senior Notes | 6.75% Notes
Debt Instrument
Interest rate on debt	6.75%
Notes payable	$ 350,000		350,000
Senior Notes | 7.625% Notes
Debt Instrument
Interest rate on debt	7.625%
Notes payable	$ 100,000		$ 100,000
Surplus Notes | Subordinated Debentures I (1)
Debt Instrument
Interest rate on debt	5.29%		6.19%
Debt instrument, basis spread on variable rate	3.40%
Notes payable	$ 41,238		$ 41,238
Surplus Notes | Subordinated Debentures II (2)
Debt Instrument
Interest rate on debt	6.14%		7.04%
Debt instrument, basis spread on variable rate	4.25%
Notes payable	$ 30,930		$ 30,930
Other
Debt Instrument
Interest rate on debt	3.50%
Notes payable	$ 9,342		15,522
2016 Credit Agreement
Debt Instrument
Notes payable	0		160,000
2019 Credit Agreement
Debt Instrument
Notes payable	$ 140,000		$ 0
JPMorgan Chase, N.A. | 2016 Credit Agreement
Debt Instrument
Debt instrument, basis spread on variable rate	2.00%
Interest rate on credit agreement			4.58%
JPMorgan Chase, N.A. | 2019 Credit Agreement
Debt Instrument
Debt instrument, basis spread on variable rate	1.75%
Interest rate on credit agreement		3.59%
London Interbank Offered Rate (LIBOR) | JPMorgan Chase, N.A. | 2019 Credit Agreement
Debt Instrument
Debt instrument, basis spread on variable rate	1.00%

Debt - Interest Expense (Detail

Debt - Interest Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Debt Instrument
Interest expense, debt	$ 51,543	$ 51,425	$ 47,086
Interest on lease liabilities	1,176
Capital Lease Obligations
Debt Instrument
Interest expense, debt		621	894
Other
Debt Instrument
Interest expense, debt	8,030	7,717	7,053
Senior Notes | 6.75% Notes
Debt Instrument
Interest expense, debt	$ 23,625	23,625	23,688
Interest rate on debt	6.75%
Notes payable	$ 350,000	350,000
Senior Notes | 7.625% Notes
Debt Instrument
Interest expense, debt	$ 7,625	7,625	7,454
Interest rate on debt	7.625%
Notes payable	$ 100,000	100,000
Surplus Notes | Subordinated Debentures
Debt Instrument
Interest expense, debt	4,536	4,346	3,768
2016 Credit Agreement
Debt Instrument
Notes payable	0	160,000
2019 Credit Agreement
Debt Instrument
Notes payable	140,000	0
JPMorgan Chase, N.A. | 2016 Credit Agreement
Debt Instrument
Interest expense, debt	1,211	7,491	4,229
JPMorgan Chase, N.A. | 2019 Credit Agreement
Debt Instrument
Interest expense, debt	$ 5,340	$ 0	$ 0

Debt - Senior Notes (Details)

Debt - Senior Notes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Debt Instrument
Interest expense, debt	$ 51,543	$ 51,425	$ 47,086
Senior Notes | 6.75% Notes
Debt Instrument
Interest rate on debt	6.75%
Notes payable	$ 350,000	350,000
Interest expense, debt	$ 23,625	23,625	23,688
Senior Notes | 7.625% Notes
Debt Instrument
Interest rate on debt	7.625%
Notes payable	$ 100,000	100,000
Interest expense, debt	$ 7,625	$ 7,625	$ 7,454

Debt - Subordinated Debentures

Debt - Subordinated Debentures (Details) - Surplus Notes - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Subordinated Debentures
Debt Instrument
Debt instrument, redemption price, percentage	100.00%
Subordinated Debentures I (1)
Debt Instrument
Notes payable	$ 41,238	$ 41,238
Debt instrument, basis spread on variable rate	3.40%
Subordinated Debentures II (2)
Debt Instrument
Notes payable	$ 30,930	$ 30,930
Debt instrument, basis spread on variable rate	4.25%

Debt - Credit Agreement (Detail

Debt - Credit Agreement (Details) - 2019 Credit Agreement - JPMorgan Chase, N.A. $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Debt Instrument
Line of credit facility, maximum amount outstanding during period	$ 340,000
Debt instrument, basis spread on variable rate	1.75%
Letter of credit fronting fee	0.125%
Line of credit facility, leverage ratio	0.225%
London Interbank Offered Rate (LIBOR)
Debt Instrument
Debt instrument, basis spread on variable rate	1.00%
Alternate Base Rate Or LIBOR
Debt Instrument
Debt instrument, basis spread on variable rate	0.50%
Minimum
Debt Instrument
Line of credit facility, current borrowing capacity	$ 150,000
Line of credit facility, commitment fee percentage	0.175%
Maximum
Debt Instrument
Line of credit facility, current borrowing capacity	$ 50,000
Line of credit facility, commitment fee percentage	0.25%

Debt - Debt Maturities (Details

Debt - Debt Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Finance Leases
2020	$ 6,653
2021	5,278
2022	2,997
2023	1,750
2024	1,242
Thereafter	2,557
Total lease payments	20,477
Long Term Debt And Lease Obligations, Fiscal Year Maturity [Abstract]
2020	13,052
2021	8,221
2022	2,997
2023	141,750
2024	351,242
Thereafter	174,725
Total	691,987
Less: Unamortized debt issuance costs and unamortized discount	(5,981)	$ (6,719)
Carrying amount of debt	686,006	$ 705,795
2019 Credit Agreement | JPMorgan Chase, N.A.
Long-term Debt, Fiscal Year Maturity [Abstract]
2020	0
2021	0
2022	0
2023	140,000
2024	0
Thereafter	0
Total principal amount of debt	140,000
Senior Notes | 6.75% Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2020	0
2021	0
2022	0
2023	0
2024	350,000
Thereafter	0
Total principal amount of debt	$ 350,000
Long Term Debt And Lease Obligations, Fiscal Year Maturity [Abstract]
Interest rate on debt	6.75%
Senior Notes | 7.625% Notes
Long-term Debt, Fiscal Year Maturity [Abstract]
2020	$ 0
2021	0
2022	0
2023	0
2024	0
Thereafter	100,000
Total principal amount of debt	$ 100,000
Long Term Debt And Lease Obligations, Fiscal Year Maturity [Abstract]
Interest rate on debt	7.625%
Surplus Notes | Subordinated Debentures I (1)
Long-term Debt, Fiscal Year Maturity [Abstract]
2020	$ 0
2021	0
2022	0
2023	0
2024	0
Thereafter	41,238
Total principal amount of debt	$ 41,238
Long Term Debt And Lease Obligations, Fiscal Year Maturity [Abstract]
Interest rate on debt	5.29%	6.19%
Surplus Notes | Subordinated Debentures II (2)
Long-term Debt, Fiscal Year Maturity [Abstract]
2020	$ 0
2021	0
2022	0
2023	0
2024	0
Thereafter	30,930
Total principal amount of debt	$ 30,930
Long Term Debt And Lease Obligations, Fiscal Year Maturity [Abstract]
Interest rate on debt	6.14%	7.04%
Other
Long-term Debt, Fiscal Year Maturity [Abstract]
2020	$ 6,399
2021	2,943
2022	0
2023	0
2024	0
Thereafter	0
Total principal amount of debt	$ 9,342
Long Term Debt And Lease Obligations, Fiscal Year Maturity [Abstract]
Interest rate on debt	3.50%

Debt - Covenants and Compliance

Debt - Covenants and Compliance (Details) - Senior Notes	Dec. 31, 2019
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
6.75% Notes
Debt Instrument
Interest rate on debt	6.75%
7.625% Notes
Debt Instrument
Interest rate on debt	7.625%

Leases - Narrative (Details)

Leases - Narrative (Details)	Dec. 31, 2019
Minimum
Lessee, Lease, Description [Line Items]
Renewal lease term	1 year
Renewal lease term	1 year
Maximum
Lessee, Lease, Description [Line Items]
Renewal lease term	5 years
Renewal lease term	5 years

Leases - Lease Assets and Liabi

Leases - Lease Assets and Liabilities (Details) $ in Thousands	Dec. 31, 2019USD ($)
Assets:
Right-of-use asset, finance	$ 21,004
Operating	119,934
Total lease right-of-use assets	140,938
Liabilities:
Finance lease liabilities	20,477
Operating	124,960
Total lease liabilities	145,437
Buildings and improvements
Assets:
Right-of-use asset, finance	9,068
Vehicle
Assets:
Right-of-use asset, finance	7,660
Hardware, software and other equipment
Assets:
Right-of-use asset, finance	4,276
Operating	658
Buildings
Assets:
Operating	$ 119,276

Leases - Lease Cost (Details)

Leases - Lease Cost (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Leases [Abstract]
Amortization of leased assets	$ 7,859
Interest on lease liabilities	1,176
Finance lease cost	9,035
Operating lease cost	$ 32,901

Leases - Maturity of Lease Liab

Leases - Maturity of Lease Liabilities (Details) $ in Thousands	Dec. 31, 2019USD ($)
Operating Leases
2020	$ 28,913
2021	26,245
2022	22,099
2023	18,541
2024	16,316
Thereafter	34,300
Total lease payments	146,414
Less: Interest	(21,454)
Present value of lease liabilities	124,960
Finance Leases
2020	7,547
2021	5,817
2022	3,367
2023	2,010
2024	1,428
Thereafter	2,761
Total lease payments	22,930
Less: Interest	(2,453)
Present value of lease liabilities	20,477
Total
2020	36,460
2021	32,062
2022	25,466
2023	20,551
2024	17,744
Thereafter	37,061
Total lease payments	$ 169,344

Leases - Lease Term and Discoun

Leases - Lease Term and Discount Rate (Details)	Dec. 31, 2019
Lessee, Lease, Description [Line Items]
Operating lease, weighted average remaining lease term	6 years
Operating lease, weighted average discount rate, percent	5.30%
Buildings and improvements
Lessee, Lease, Description [Line Items]
Finance lease, weighted average remaining lease term	7 years 2 months 12 days
Finance lease, weighted average discount rate, percent	5.90%
Vehicle
Lessee, Lease, Description [Line Items]
Finance lease, weighted average remaining lease term	2 years 9 months 18 days
Finance lease, weighted average discount rate, percent	4.10%
Hardware, software and other equipment
Lessee, Lease, Description [Line Items]
Finance lease, weighted average remaining lease term	1 year 7 months 6 days
Finance lease, weighted average discount rate, percent	3.90%

Leases - Cash Flow Lease Inform

Leases - Cash Flow Lease Information (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Cash paid for amounts included in the measurement of lease liabilities
Operating cash flows from finance leases	$ 990
Financing cash flows from finance leases	5,664
Operating cash flows from operating leases	23,105
Leased assets obtained in exchange for new finance lease liabilities	11,317
Leased assets obtained in exchange for new operating lease liabilities	$ 35,456

Related Party Transactions - NG

Related Party Transactions - NGHC Quota Share Agreement (Details) - ACP Re Ltd., Maiden Insurance Company, and Technology Insurance Company - Related Party - USD ($) $ in Thousands	12 Months Ended			53 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Jul. 31, 2014
Reinsurance
Related Party Transaction
Percentage of business ceded				50.00%
Reinsurance Recoverable on Paid and Unpaid Losses
Related Party Transaction
Due from (to) reinsurance treaties		$ 7,425
Amounts of transaction	$ 624	$ 2,157	$ 3,356

Related Party Transactions - Ag

Related Party Transactions - Agreements with ACP Re and Affiliated Entities (Details) - USD ($) $ in Thousands	Jul. 28, 2016	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Related Party Transaction
Other investments		$ 306,030	$ 306,276
Notes Receivable
Related Party Transaction
Other investments		129,299	128,893
Related Party
Related Party Transaction
Other investments		238,841	233,723
Related Party | Notes Receivable
Related Party Transaction
Other investments		129,229	127,692
Related Party | ACP Re
Related Party Transaction
Notes receivable, related parties		250,000
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		4,767	$ 4,711	$ 4,654
Related Party | Loans
Related Party Transaction
Notes receivable, related parties		$ 125,000
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) - Related Party - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Lease Agreement 59 Maiden Lane
Related Party Transaction
Related party transaction, expenses from transactions with related party	$ 830	$ 830	$ 783
Lease Agreement 30 North LaSalle
Related Party Transaction
Related party transaction, expenses from transactions with related party	$ 309	$ 302	$ 297

Commitments and Contingencies -

Commitments and Contingencies - Employment Agreements (Details) - Employment Agreements $ in Thousands	Dec. 31, 2019USD ($)
Amounts payable under employment agreements:
2020	$ 5,560
2021	2,601
2022	2,420
2023	1,285
2024	773
Total	$ 12,639

Stockholders' Equity - Narrativ

Stockholders' Equity - Narrative (Details) - USD ($) $ / shares in Units, $ in Thousands	Jul. 16, 2023	Jul. 15, 2023	Dec. 31, 2019	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Jul. 15, 2023	Dec. 31, 2018	Jul. 11, 2018
Class of Stock [Line Items]
Shares of preferred stock issued (in shares)			2,565,120					2,565,120
Preferred stock, par value (in dollars per share)			$ 0.01					$ 0.01
Preferred stock, value, issued (in dollars per shares)			$ 450,000					$ 450,000
Common stock | Series B Preferred Stock
Class of Stock [Line Items]
Shares of preferred stock issued (in shares)					165,000
Preferred stock | Preferred stock Series A
Class of Stock [Line Items]
Shares of preferred stock issued (in shares)			2,200,000			2,200,000
Dividend rate per year (percent)			7.50%			7.50%
Preferred stock, par value (in dollars per share)						$ 0.01
Liquidation preference (in dollars per share)			$ 25		$ 25	$ 25
Preferred stock | American Depositary Shares
Class of Stock [Line Items]
Shares of preferred stock issued (in shares)				8,000,000	6,600,000
Liquidation preference (in dollars per share)				$ 25	$ 25
Preferred stock | Series B Preferred Stock
Class of Stock [Line Items]
Shares of preferred stock issued (in shares)			165,000
Dividend rate per year (percent)			7.50%		7.50%
Preferred stock, par value (in dollars per share)					$ 0.01
Liquidation preference (in dollars per share)			$ 1,000		$ 1,000
Preferred stock | Series C Preferred Stock
Class of Stock [Line Items]
Shares of preferred stock issued (in shares)			200,000	200,000
Dividend rate per year (percent)			7.50%	7.50%
Preferred stock, par value (in dollars per share)				$ 0.01
Liquidation preference (in dollars per share)			$ 1,000	$ 1,000
Preferred stock | Preferred stock Series D
Class of Stock [Line Items]
Shares of preferred stock issued (in shares)			120						120
Preferred stock, par value (in dollars per share)									$ 0.01
Liquidation preference (in dollars per share)			$ 250,000						$ 250,000
Preferred stock, value, issued (in dollars per shares)									$ 30,000
Subsequent Event | Forecast | Preferred stock | Preferred stock Series D
Class of Stock [Line Items]
Dividend rate per year (percent)	5.4941%						7.00%
Convertible preferred stock, shares issued (in shares)		6,578.9474					6,578.9474
Preferred stock, redemption price per share (in dollars per share)		$ 38					$ 38
Accumulated earned premium		$ 50,000

Stockholders' Equity - Preferre

Stockholders' Equity - Preferred Stock (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2018	Jul. 11, 2018
Class of Stock [Line Items]
Shares of preferred stock issued (in shares)	2,565,120				2,565,120
Aggregate liquidation preference	$ 450,000				$ 450,000
Preferred stock | Preferred stock Series A
Class of Stock [Line Items]
Dividend rate per year (percent)	7.50%			7.50%
Shares of preferred stock issued (in shares)	2,200,000			2,200,000
Depositary shares issued (in shares)	0
Liquidation preference (in dollars per share)	$ 25		$ 25	$ 25
Aggregate liquidation preference	$ 55,000
Preferred stock | Series B Preferred Stock
Class of Stock [Line Items]
Dividend rate per year (percent)	7.50%		7.50%
Shares of preferred stock issued (in shares)	165,000
Depositary shares issued (in shares)	6,600,000
Liquidation preference (in dollars per share)	$ 1,000		$ 1,000
Aggregate liquidation preference	$ 165,000
Preferred stock | Series C Preferred Stock
Class of Stock [Line Items]
Dividend rate per year (percent)	7.50%	7.50%
Shares of preferred stock issued (in shares)	200,000	200,000
Depositary shares issued (in shares)	8,000,000
Liquidation preference (in dollars per share)	$ 1,000	$ 1,000
Aggregate liquidation preference	$ 200,000
Preferred stock | Preferred stock Series D
Class of Stock [Line Items]
Shares of preferred stock issued (in shares)	120					120
Depositary shares issued (in shares)	0
Liquidation preference (in dollars per share)	$ 250,000					$ 250,000
Aggregate liquidation preference	$ 30,000

Stockholders' Equity - Dividend

Stockholders' Equity - Dividends Declared (Details) - $ / shares	3 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017
Common stock
Class of Stock [Line Items]
Declaration Date	Oct. 30, 2019	Jul. 29, 2019	May 6, 2019	Feb. 25, 2019	Oct. 29, 2018	Aug. 6, 2018	May 7, 2018	Feb. 26, 2018	Nov. 6, 2017	Aug. 7, 2017	May 9, 2017	Feb. 24, 2017
Dividend Per Share (in dollars per share)	$ 0.05	$ 0.05	$ 0.04	$ 0.04	$ 0.04	$ 0.04	$ 0.04	$ 0.04	$ 0.04	$ 0.04	$ 0.04	$ 0.04
Preferred stock Series A
Class of Stock [Line Items]
Declaration Date	Oct. 30, 2019	Jul. 29, 2019	May 6, 2019	Feb. 25, 2019	Oct. 29, 2018	Aug. 6, 2018	May 7, 2018	Feb. 26, 2018	Nov. 6, 2017	Aug. 7, 2017	May 9, 2017	Feb. 24, 2017
Dividend Per Share (in dollars per share)	$ 0.46875	$ 0.46875	$ 0.46875	$ 0.46875	$ 0.46875	$ 0.46875	$ 0.46875	$ 0.46875	$ 0.46875	$ 0.46875	$ 0.46875	$ 0.46875
Preferred stock Series B and Series C
Class of Stock [Line Items]
Declaration Date	Oct. 30, 2019	Jul. 29, 2019	May 6, 2019	Feb. 25, 2019	Oct. 29, 2018	Aug. 6, 2018	May 7, 2018	Feb. 26, 2018	Nov. 6, 2017	Aug. 7, 2017	May 9, 2017	Feb. 24, 2017
Dividend Per Share (in dollars per share)	$ 18.75	$ 18.75	$ 18.75	$ 18.75	$ 18.75	$ 18.75	$ 18.75	$ 18.75	$ 18.75	$ 18.75	$ 18.75	$ 18.75
Dividend Per Depositary Share (in dollars per share)	$ 0.46875	$ 0.46875	$ 0.46875	$ 0.46875	$ 0.46875	$ 0.46875	$ 0.46875	$ 0.46875	$ 0.46875	$ 0.46875	$ 0.46875	$ 0.46875
Preferred stock Series D
Class of Stock [Line Items]
Declaration Date	Oct. 30, 2019		May 6, 2019		Oct. 29, 2018
Dividend Per Share (in dollars per share)	$ 8,750		$ 8,750		$ 8,263.89

Benefits Plan (Details)

Benefits Plan (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Retirement Benefits [Abstract]
Contribution expense	$ 10,212	$ 9,292	$ 8,049

Statutory Financial Data, Ris_3

Statutory Financial Data, Risk-Based Capital and Dividends Restrictions - Statutory Financial Data (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Statutory Accounting Practices
Statutory capital and surplus	$ 255,393	$ 227,544
Reciprocal Exchanges
Statutory Accounting Practices
Statutory capital and surplus	87,421	103,582
Statutory net income (loss)	(22,237)	(24,194)	$ 1,411
Property and Casualty Domestic Entities
Statutory Accounting Practices
Statutory capital and surplus	1,547,091	1,305,640
Statutory net income (loss)	156,404	16,737	194,677
Property and Casualty Foreign Entities
Statutory Accounting Practices
Statutory capital and surplus	755,545	583,872
Statutory net income (loss)	102,584	64,810	9,275
Property and Casualty
Statutory Accounting Practices
Statutory capital and surplus	2,302,636	1,889,512
Statutory net income (loss)	258,988	81,547	203,952
Life Insurance Domestic Entities
Statutory Accounting Practices
Statutory capital and surplus	53,334	40,813
Statutory net income (loss)	$ 7,232	$ 9,827	$ 8,987

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, 2019	Dec. 31, 2018	Dec. 31, 2017
Insurance [Abstract]
Statutory accounting practices, statutory amount available for dividend payments with regulatory approval	$ 402,970	$ 287,896
Dividends and return of capital	$ 7,000	$ 156,660	$ 339,398

Share-Based Compensation - Narr

Share-Based Compensation - Narrative (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award
Share-based compensation expense	$ 10,996	$ 9,020	$ 8,324
Unrecognized compensation cost	$ 16,205
Nonvested award, cost not yet recognized, period for recognition (in years)	1 year 4 months 24 days
Employee Stock option
Share-based Compensation Arrangement by Share-based Payment Award
Options granted in period (in shares)	0
Options forfeited or expired (in shares)	0
Intrinsic value of stock options exercised	$ 3,105	5,011	1,782
Fair value options vested in period	$ 239	$ 783	$ 501
Restricted Stock Units (RSUs)
Share-based Compensation Arrangement by Share-based Payment Award
Granted (in dollars per share)	$ 25.42	$ 21.36	$ 24.06
Vested in period, fair value	$ 9,259	$ 7,068	$ 3,661
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 (in shares)	2,500,000
Number of shares available (in shares)	2,500,000

Share-Based Compensation - Stoc

Share-Based Compensation - Stock Option Activity (Details) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)$ / sharesshares
Aggregate Intrinsic Value
Share price (in dollars per share)	$ 22.10
Employee Stock option
Number of Shares
Outstanding, beginning of year (in shares) | shares	3,184,352
Exercised (in shares) | shares	(158,765)
Outstanding, end of year (in shares) | shares	3,025,587
Exercisable at end of the year (in shares) | shares	3,025,587
Weighted-Average Exercise Price
Outstanding at beginning of year (in dollars per share)	$ 9.53
Exercises in period, weighted average exercise price (in dollars per share)	3.76
Outstanding at end of year (in dollars per share)	9.83
Exercisable at end of the year (in dollars per share)	$ 9.83
Weighted-Average Remaining Contractual Term (in years)
Outstanding at end of year	3 years 1 month 24 days
Exercisable at end of year	3 years 1 month 24 days
Aggregate Intrinsic Value
Outstanding at end of year | $	$ 37,122
Exercisable at end of year | $	$ 37,122

Share-Based Compensation - RSU

Share-Based Compensation - RSU Activity (Details) - Restricted Stock Units (RSUs) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Number of RSUs
Non-vested at beginning of period (in shares)	938,795
Granted (in shares)	538,741
Vested (in shares)	(419,436)
Forfeited (in shares)	(24,469)
Non-vested at end of period (in shares)	1,033,631	938,795
Weighted-Average Grant Date Fair Value
Non-vested at beginning of period (in dollars per share)	$ 22.28
Granted (in dollars per share)	25.42	$ 21.36	$ 24.06
Vested (in dollars per share)	22.07
Forfeited (in dollars per share)	23.29
Non-vested at end of period (in dollars per share)	$ 23.98	$ 22.28

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Numerator:
Net income attributable to NGHC	$ 107,281	$ 71,154	$ 77,876	$ 91,758	$ 26,216	$ 68,382	$ 44,548	$ 68,208	$ 348,069	$ 207,354	$ 105,845
Dividends on preferred stock									(33,600)	(32,492)	(31,500)
Numerator for basic EPS	$ 98,356	$ 63,279	$ 68,951	$ 83,883	$ 17,349	$ 60,507	$ 36,673	$ 60,333	314,469	174,862	74,345
Effect of dilutive securities:
Preferred stock dividends - convertible									2,100	992	0
Numerator for diluted EPS - after assumed conversions									$ 316,569	$ 175,854	$ 74,345
Denominator:
Denominator for basic EPS - weighted-average shares outstanding (in shares)									113,199,501	107,659,813	106,588,402
Effect of dilutive securities:
Convertible preferred stock (in shares)									789,473	789,473	0
Dilutive potential common shares (in shares)									2,897,471	3,162,243	2,163,860
Denominator for diluted EPS - weighted-average shares outstanding and assumed conversions (in shares)									116,096,972	110,822,056	108,752,262
Basic EPS (in dollars per share)	$ 0.87	$ 0.56	$ 0.61	$ 0.74	$ 0.16	$ 0.56	$ 0.34	$ 0.57	$ 2.78	$ 1.62	$ 0.70
Diluted EPS (in dollars per share)	$ 0.85	$ 0.54	$ 0.60	$ 0.72	$ 0.16	$ 0.55	$ 0.34	$ 0.55	$ 2.73	$ 1.59	$ 0.68
Preferred stock dividends - nonconvertible
Numerator:
Dividends on preferred stock									$ (31,500)	$ (31,500)	$ (31,500)
Preferred stock dividends - convertible
Numerator:
Dividends on preferred stock									$ (2,100)	$ (992)	$ 0
Employee stock options
Effect of dilutive securities:
Share options (in shares)									1,833,736	2,053,681	1,947,546
RSUs
Effect of dilutive securities:
Share options (in shares)									274,262	319,089	216,314

Segment Information - Revenues

Segment Information - Revenues of Business Segments (Details) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019USD ($)	Sep. 30, 2019USD ($)	Jun. 30, 2019USD ($)	Mar. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Sep. 30, 2018USD ($)	Jun. 30, 2018USD ($)	Mar. 31, 2018USD ($)	Dec. 31, 2019USD ($)segment	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Segment Reporting [Abstract]
Number of business segments | segment									2
Underwriting revenues:
Gross premium written									$ 5,583,080	$ 5,416,839	$ 4,755,985
Ceded premiums									(1,358,459)	(1,589,126)	(1,178,390)
Net premium written									4,224,621	3,827,713	3,577,595
Change in unearned premium									(106,579)	(95,511)	76,581
Net earned premium									4,118,042	3,732,202	3,654,176
Ceding commission income									238,453	224,697	116,456
Service and fee income									641,965	561,583	502,927
Total underwriting revenues									4,998,460	4,518,482	4,273,559
Underwriting expenses:
Loss and loss adjustment expense									2,854,468	2,662,226	2,626,082
Acquisition costs and other underwriting expenses									827,367	735,266	672,429
General and administrative expenses									1,041,772	938,046	912,996
Total underwriting expenses									4,723,607	4,335,538	4,211,507
Underwriting income									274,853	182,944	62,052
Net investment income									141,233	119,034	101,950
Net gain on investments									13,473	(29,545)	46,763
Other income (expense)									26,428	0	(198)
Interest expense									(51,544)	(51,425)	(47,086)
Provision for income taxes	$ (15,519)	$ (16,747)	$ (22,241)	$ (22,506)	$ (15,223)	$ (15,518)	$ (6,541)	$ (16,202)	(77,013)	(53,484)	(61,273)
Net loss attributable to noncontrolling interest									20,639	39,830	3,637
Net income attributable to NGHC	$ 107,281	$ 71,154	$ 77,876	$ 91,758	$ 26,216	$ 68,382	$ 44,548	$ 68,208	348,069	207,354	105,845
Operating Segments | Property and Casualty
Underwriting revenues:
Gross premium written									4,814,463	4,718,730	4,174,583
Ceded premiums									(1,250,448)	(1,517,556)	(1,132,284)
Net premium written									3,564,015	3,201,174	3,042,299
Change in unearned premium									(108,992)	(85,385)	78,594
Net earned premium									3,455,023	3,115,789	3,120,893
Ceding commission income									227,514	217,694	115,443
Service and fee income									392,478	375,603	348,313
Total underwriting revenues									4,075,015	3,709,086	3,584,649
Underwriting expenses:
Loss and loss adjustment expense									2,543,788	2,340,881	2,307,619
Acquisition costs and other underwriting expenses									605,019	550,540	517,550
General and administrative expenses									773,291	726,238	741,499
Total underwriting expenses									3,922,098	3,617,659	3,566,668
Underwriting income									152,917	91,427	17,981
Net investment income									0	0	0
Net gain on investments									0	0	0
Other income (expense)									0		0
Interest expense									0	0	0
Provision for income taxes									0	0	0
Net loss attributable to noncontrolling interest									0	0	0
Net income attributable to NGHC									152,917	91,427	17,981
Operating Segments | Accident and Health
Underwriting revenues:
Gross premium written									768,617	698,109	581,402
Ceded premiums									(108,011)	(71,570)	(46,106)
Net premium written									660,606	626,539	535,296
Change in unearned premium									2,413	(10,126)	(2,013)
Net earned premium									663,019	616,413	533,283
Ceding commission income									10,939	7,003	1,013
Service and fee income									249,487	185,980	154,614
Total underwriting revenues									923,445	809,396	688,910
Underwriting expenses:
Loss and loss adjustment expense									310,680	321,345	318,463
Acquisition costs and other underwriting expenses									222,348	184,726	154,879
General and administrative expenses									254,208	201,808	171,497
Total underwriting expenses									787,236	707,879	644,839
Underwriting income									136,209	101,517	44,071
Net investment income									0	0	0
Net gain on investments									0	0	0
Other income (expense)									0		0
Interest expense									0	0	0
Provision for income taxes									0	0	0
Net loss attributable to noncontrolling interest									0	0	0
Net income attributable to NGHC									136,209	101,517	44,071
Corporate and Other
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 revenues									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									14,273	10,000	0
Total underwriting expenses									14,273	10,000	0
Underwriting income									(14,273)	(10,000)	0
Net investment income									141,233	119,034	101,950
Net gain on investments									13,473	(29,545)	46,763
Other income (expense)									26,428		(198)
Interest expense									(51,544)	(51,425)	(47,086)
Provision for income taxes									(77,013)	(53,484)	(61,273)
Net loss attributable to noncontrolling interest									20,639	39,830	3,637
Net income attributable to NGHC									$ 58,943	$ 14,410	$ 43,793

Segment Information - Long Live

Segment Information - Long Lived Assets and Total Assets of Business Segments (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Segment Reporting Information [Line Items]
Premiums and other receivables, net	$ 1,428,948	$ 1,399,812
Deferred acquisition costs	263,523	251,408
Reinsurance recoverable	1,394,308	1,611,738
Prepaid reinsurance premiums	575,747	665,674
Intangible assets, net and Goodwill	545,151	560,120
Prepaid and other assets	94,642	154,958
Corporate and other assets	5,454,215	4,795,570
Total assets	9,756,534	9,439,280
Operating Segments | Property and Casualty
Segment Reporting Information [Line Items]
Premiums and other receivables, net	1,292,813	1,245,530
Deferred acquisition costs	239,293	226,188
Reinsurance recoverable	1,377,284	1,585,008
Prepaid reinsurance premiums	575,712	665,660
Intangible assets, net and Goodwill	436,724	443,163
Prepaid and other assets	56,960	20,941
Corporate and other assets	0	0
Total assets	3,978,786	4,186,490
Operating Segments | Accident and Health
Segment Reporting Information [Line Items]
Premiums and other receivables, net	131,877	153,896
Deferred acquisition costs	24,230	25,220
Reinsurance recoverable	17,024	26,730
Prepaid reinsurance premiums	35	14
Intangible assets, net and Goodwill	108,427	116,957
Prepaid and other assets	32,852	22,472
Corporate and other assets	0	0
Total assets	314,445	345,289
Corporate and Other
Segment Reporting Information [Line Items]
Premiums and other receivables, net	4,258	386
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	4,830	111,545
Corporate and other assets	5,454,215	4,795,570
Total assets	$ 5,463,303	$ 4,907,501

Segment Information - Schedule

Segment Information - Schedule of Revenue by Geographical Location (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Segment Reporting Information [Line Items]
Gross premium written	$ 5,583,080	$ 5,416,839	$ 4,755,985
Net premium written	4,224,621	3,827,713	3,577,595
Net earned premium	4,118,042	3,732,202	3,654,176
North America
Segment Reporting Information [Line Items]
Gross premium written	5,443,743	5,266,581	4,636,464
Net premium written	4,135,452	3,706,625	3,458,074
Net earned premium	4,026,672	3,621,147	3,537,566
Europe
Segment Reporting Information [Line Items]
Gross premium written	139,337	150,258	119,521
Net premium written	89,169	121,088	119,521
Net earned premium	91,370	111,055	116,610
Reciprocal Exchanges
Segment Reporting Information [Line Items]
Gross premium written	447,447	448,923	383,773
Net premium written	234,472	183,565	175,649
Net earned premium	210,231	186,761	169,871
Reciprocal Exchanges | North America
Segment Reporting Information [Line Items]
Gross premium written	447,447	448,923	383,773
Net premium written	234,472	183,565	175,649
Net earned premium	210,231	186,761	169,871
Reciprocal Exchanges | Europe
Segment Reporting Information [Line Items]
Gross premium written	0	0	0
Net premium written	0	0	0
Net earned premium	0	0	0
NGHC
Segment Reporting Information [Line Items]
Gross premium written	5,135,633	4,967,916	4,372,212
Net premium written	3,990,149	3,644,148	3,401,946
Net earned premium	3,907,811	3,545,441	3,484,305
NGHC | North America
Segment Reporting Information [Line Items]
Gross premium written	4,996,296	4,817,658	4,252,691
Net premium written	3,900,980	3,523,060	3,282,425
Net earned premium	3,816,441	3,434,386	3,367,695
NGHC | Europe
Segment Reporting Information [Line Items]
Gross premium written	139,337	150,258	119,521
Net premium written	89,169	121,088	119,521
Net earned premium	$ 91,370	$ 111,055	$ 116,610

Segment Information - Service a

Segment Information - Service and Fee Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Segment Reporting Information [Line Items]
Service and fee income	$ 641,965	$ 561,583	$ 502,927
Property and Casualty
Segment Reporting Information [Line Items]
Service and fee income	392,478	375,603	348,313
Accident and Health
Segment Reporting Information [Line Items]
Service and fee income	249,487	185,980	154,614
Commission revenue
Segment Reporting Information [Line Items]
Service and fee income	170,962	163,321	145,693
Commission revenue | Property and Casualty
Segment Reporting Information [Line Items]
Service and fee income	87,486	93,235	78,678
Commission revenue | Accident and Health
Segment Reporting Information [Line Items]
Service and fee income	83,476	70,086	67,015
Finance and processing fees
Segment Reporting Information [Line Items]
Service and fee income	134,499	125,593	124,305
Finance and processing fees | Property and Casualty
Segment Reporting Information [Line Items]
Service and fee income	128,302	121,058	117,122
Finance and processing fees | Accident and Health
Segment Reporting Information [Line Items]
Service and fee income	6,197	4,535	7,183
Group health administrative fees
Segment Reporting Information [Line Items]
Service and fee income	100,951	79,411	62,217
Group health administrative fees | Property and Casualty
Segment Reporting Information [Line Items]
Service and fee income	0	0	0
Group health administrative fees | Accident and Health
Segment Reporting Information [Line Items]
Service and fee income	100,951	79,411	62,217
Installment fees
Segment Reporting Information [Line Items]
Service and fee income	97,997	92,785	83,883
Installment fees | Property and Casualty
Segment Reporting Information [Line Items]
Service and fee income	97,997	92,785	83,883
Installment fees | Accident and Health
Segment Reporting Information [Line Items]
Service and fee income	0	0	0
Late payment fees
Segment Reporting Information [Line Items]
Service and fee income	34,519	33,851	27,305
Late payment fees | Property and Casualty
Segment Reporting Information [Line Items]
Service and fee income	34,210	33,765	27,184
Late payment fees | Accident and Health
Segment Reporting Information [Line Items]
Service and fee income	309	86	121
Other service and fee income
Segment Reporting Information [Line Items]
Service and fee income	103,037	66,622	59,524
Other service and fee income | Property and Casualty
Segment Reporting Information [Line Items]
Service and fee income	44,483	34,760	41,446
Other service and fee income | Accident and Health
Segment Reporting Information [Line Items]
Service and fee income	58,554	31,862	18,078
NGHC
Segment Reporting Information [Line Items]
Service and fee income	636,210	555,832	497,133
NGHC | Property and Casualty
Segment Reporting Information [Line Items]
Service and fee income	386,723	369,852	342,519
NGHC | Accident and Health
Segment Reporting Information [Line Items]
Service and fee income	249,487	185,980	154,614
Reciprocal Exchanges
Segment Reporting Information [Line Items]
Service and fee income	5,755	5,751	5,794
Reciprocal Exchanges | Property and Casualty
Segment Reporting Information [Line Items]
Service and fee income	5,755	5,751	5,794
Reciprocal Exchanges | Accident and Health
Segment Reporting Information [Line Items]
Service and fee income	$ 0	$ 0	$ 0

Segment Information - Gross Pre

Segment Information - Gross Premium Written (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Segment Reporting Information [Line Items]
Gross premium written	$ 5,583,080	$ 5,416,839	$ 4,755,985
Reciprocal Exchanges
Segment Reporting Information [Line Items]
Gross premium written	447,447	448,923	383,773
NGHC
Segment Reporting Information [Line Items]
Gross premium written	5,135,633	4,967,916	4,372,212
Property and Casualty | Reciprocal Exchanges
Segment Reporting Information [Line Items]
Gross premium written	447,447	448,923	383,773
Property and Casualty | Reciprocal Exchanges | Personal Auto
Segment Reporting Information [Line Items]
Gross premium written	152,688	153,129	132,844
Property and Casualty | Reciprocal Exchanges | Homeowners
Segment Reporting Information [Line Items]
Gross premium written	290,972	291,907	247,460
Property and Casualty | Reciprocal Exchanges | Other
Segment Reporting Information [Line Items]
Gross premium written	3,787	3,887	3,469
Property and Casualty | NGHC
Segment Reporting Information [Line Items]
Gross premium written	4,367,016	4,269,807	3,790,810
Property and Casualty | NGHC | Personal Auto
Segment Reporting Information [Line Items]
Gross premium written	2,721,202	2,637,176	2,334,838
Property and Casualty | NGHC | Homeowners
Segment Reporting Information [Line Items]
Gross premium written	718,819	688,006	558,827
Property and Casualty | NGHC | RV/Packaged
Segment Reporting Information [Line Items]
Gross premium written	212,746	208,394	187,475
Property and Casualty | NGHC | Small Business Auto
Segment Reporting Information [Line Items]
Gross premium written	315,569	319,299	316,958
Property and Casualty | NGHC | Lender-placed Insurance
Segment Reporting Information [Line Items]
Gross premium written	342,267	363,056	345,354
Property and Casualty | NGHC | Other
Segment Reporting Information [Line Items]
Gross premium written	56,413	53,876	47,358
Accident and Health | NGHC
Segment Reporting Information [Line Items]
Gross premium written	768,617	698,109	581,402
Accident and Health | NGHC | Group
Segment Reporting Information [Line Items]
Gross premium written	288,549	239,729	206,340
Accident and Health | NGHC | Individual
Segment Reporting Information [Line Items]
Gross premium written	340,731	308,122	255,541
Accident and Health | NGHC | International
Segment Reporting Information [Line Items]
Gross premium written	$ 139,337	$ 150,258	$ 119,521

Segment Information - Net Premi

Segment Information - Net Premium Written (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Segment Reporting Information [Line Items]
Net premium written	$ 4,224,621	$ 3,827,713	$ 3,577,595
Reciprocal Exchanges
Segment Reporting Information [Line Items]
Net premium written	234,472	183,565	175,649
NGHC
Segment Reporting Information [Line Items]
Net premium written	3,990,149	3,644,148	3,401,946
Property and Casualty | Reciprocal Exchanges
Segment Reporting Information [Line Items]
Net premium written	234,472	183,565	175,649
Property and Casualty | Reciprocal Exchanges | Personal Auto
Segment Reporting Information [Line Items]
Net premium written	134,958	61,759	68,292
Property and Casualty | Reciprocal Exchanges | Homeowners
Segment Reporting Information [Line Items]
Net premium written	98,009	120,875	105,536
Property and Casualty | Reciprocal Exchanges | Other
Segment Reporting Information [Line Items]
Net premium written	1,505	931	1,821
Property and Casualty | NGHC
Segment Reporting Information [Line Items]
Net premium written	3,329,543	3,017,609	2,866,650
Property and Casualty | NGHC | Personal Auto
Segment Reporting Information [Line Items]
Net premium written	2,260,385	2,016,858	1,824,932
Property and Casualty | NGHC | Homeowners
Segment Reporting Information [Line Items]
Net premium written	404,278	331,120	275,013
Property and Casualty | NGHC | RV/Packaged
Segment Reporting Information [Line Items]
Net premium written	198,737	206,740	185,993
Property and Casualty | NGHC | Small Business Auto
Segment Reporting Information [Line Items]
Net premium written	249,067	233,456	246,072
Property and Casualty | NGHC | Lender-placed Insurance
Segment Reporting Information [Line Items]
Net premium written	198,171	202,069	313,124
Property and Casualty | NGHC | Other
Segment Reporting Information [Line Items]
Net premium written	18,905	27,366	21,516
Accident and Health | NGHC
Segment Reporting Information [Line Items]
Net premium written	660,606	626,539	535,296
Accident and Health | NGHC | International
Segment Reporting Information [Line Items]
Net premium written	89,169	121,088	119,521
Accident and Health | NGHC | Individual
Segment Reporting Information [Line Items]
Net premium written	340,049	308,065	255,541
Accident and Health | NGHC | Group
Segment Reporting Information [Line Items]
Net premium written	$ 231,388	$ 197,386	$ 160,234

Segment Information - Net Earne

Segment Information - Net Earned Premium (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Segment Reporting Information [Line Items]
Net earned premium	$ 4,118,042	$ 3,732,202	$ 3,654,176
Reciprocal Exchanges
Segment Reporting Information [Line Items]
Net earned premium	210,231	186,761	169,871
NGHC
Segment Reporting Information [Line Items]
Net earned premium	3,907,811	3,545,441	3,484,305
Property and Casualty | Reciprocal Exchanges
Segment Reporting Information [Line Items]
Net earned premium	210,231	186,761	169,871
Property and Casualty | Reciprocal Exchanges | Personal Auto
Segment Reporting Information [Line Items]
Net earned premium	106,549	59,923	66,565
Property and Casualty | Reciprocal Exchanges | Homeowners
Segment Reporting Information [Line Items]
Net earned premium	101,964	125,806	101,648
Property and Casualty | Reciprocal Exchanges | Other
Segment Reporting Information [Line Items]
Net earned premium	1,718	1,032	1,658
Property and Casualty | NGHC
Segment Reporting Information [Line Items]
Net earned premium	3,244,792	2,929,028	2,951,022
Property and Casualty | NGHC | Personal Auto
Segment Reporting Information [Line Items]
Net earned premium	2,190,748	1,927,667	1,828,304
Property and Casualty | NGHC | Homeowners
Segment Reporting Information [Line Items]
Net earned premium	405,306	329,850	349,709
Property and Casualty | NGHC | RV/Packaged
Segment Reporting Information [Line Items]
Net earned premium	195,639	197,258	175,888
Property and Casualty | NGHC | Small Business Auto
Segment Reporting Information [Line Items]
Net earned premium	252,359	237,587	251,576
Property and Casualty | NGHC | Lender-placed Insurance
Segment Reporting Information [Line Items]
Net earned premium	182,231	215,811	321,995
Property and Casualty | NGHC | Other
Segment Reporting Information [Line Items]
Net earned premium	18,509	20,855	23,550
Accident and Health | NGHC
Segment Reporting Information [Line Items]
Net earned premium	663,019	616,413	533,283
Accident and Health | NGHC | International
Segment Reporting Information [Line Items]
Net earned premium	91,370	111,055	116,610
Accident and Health | NGHC | Individual
Segment Reporting Information [Line Items]
Net earned premium	340,251	307,952	256,393
Accident and Health | NGHC | Group
Segment Reporting Information [Line Items]
Net earned premium	$ 231,398	$ 197,406	$ 160,280

Segment Information - Fee Incom

Segment Information - Fee Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Segment Reporting Information [Line Items]
Service and fee income	$ 641,965	$ 561,583	$ 502,927
Ceding commission income	238,453	224,697	116,456
Fee Income	880,418	786,280	619,383
NGHC
Segment Reporting Information [Line Items]
Fee Income	811,162	723,780	553,409
Property and Casualty | Reciprocal Exchanges
Segment Reporting Information [Line Items]
Service and fee income	5,755	5,751	5,794
Ceding commission income	63,501	56,749	60,180
Fee Income	69,256	62,500	65,974
Property and Casualty | NGHC
Segment Reporting Information [Line Items]
Service and fee income	386,723	369,852	342,519
Ceding commission income	164,013	160,945	55,263
Fee Income	550,736	530,797	397,782
Accident and Health | NGHC
Segment Reporting Information [Line Items]
Service and fee income	249,487	185,980	154,614
Ceding commission income	10,939	7,003	1,013
Fee Income	260,426	192,983	155,627
Accident and Health | Group | NGHC
Segment Reporting Information [Line Items]
Service and fee income	134,206	104,504	76,173
Accident and Health | Individual | NGHC
Segment Reporting Information [Line Items]
Service and fee income	9,650	9,304	14,392
Accident and Health | Third Party Fee | NGHC
Segment Reporting Information [Line Items]
Service and fee income	$ 105,631	$ 72,172	$ 64,049

Selected Quarterly Financial _3

Selected Quarterly Financial Data (Unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Quarterly Financial Information Disclosure [Abstract]
Total revenues	$ 1,369,105	$ 1,308,172	$ 1,269,652	$ 1,232,665	$ 1,186,765	$ 1,168,843	$ 1,135,106	$ 1,117,257	$ 5,179,594	$ 4,607,971	$ 4,422,074
Total expenses	1,248,792	1,231,186	1,170,353	1,124,820	1,153,177	1,097,096	1,091,655	1,045,035	4,775,151	4,386,963	4,258,593
Provision for income taxes	15,519	16,747	22,241	22,506	15,223	15,518	6,541	16,202	77,013	53,484	61,273
Net income	104,794	60,239	77,058	85,339	18,365	56,229	36,910	56,020	327,430	167,524	102,208
Net income attributable to NGHC	107,281	71,154	77,876	91,758	26,216	68,382	44,548	68,208	348,069	207,354	105,845
Net income attributable to NGHC common stockholders	$ 98,356	$ 63,279	$ 68,951	$ 83,883	$ 17,349	$ 60,507	$ 36,673	$ 60,333	$ 314,469	$ 174,862	$ 74,345
Basic EPS (in dollars per share)	$ 0.87	$ 0.56	$ 0.61	$ 0.74	$ 0.16	$ 0.56	$ 0.34	$ 0.57	$ 2.78	$ 1.62	$ 0.70
Diluted EPS (in dollars per share)	$ 0.85	$ 0.54	$ 0.60	$ 0.72	$ 0.16	$ 0.55	$ 0.34	$ 0.55	$ 2.73	$ 1.59	$ 0.68

Business Disposition (Details)

Business Disposition (Details) - USD ($) $ in Thousands	Dec. 02, 2019	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Sale of a business, net of cash and cash equivalents sold		$ 92,290	$ 0	$ 0
Reconciliation of the gain on sale:
Cash received		$ 92,290	$ 0	$ 0
Euro Accident Health And Care Insurance Sweden | Discontinued Operations, Disposed of by Sale
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Sale of a business, net of cash and cash equivalents sold	$ 139,021
Gain (loss) on disposition of business	26,428
Assets:
Debt securities, available-for-sale, at fair value	145,485
Cash and cash equivalents	46,731
Accrued investment income	970
Premiums and other receivables, net	29,015
Deferred acquisition costs	2,940
Reinsurance recoverable	36,819
Prepaid reinsurance premiums	4,151
Property and equipment, net	2,456
Prepaid and other assets	858
Total assets	269,425
Liabilities:
Unpaid loss and loss adjustment expense reserves	114,220
Unearned premiums and other revenue	26,020
Reinsurance payable	50,748
Accounts payable and accrued expenses	3,622
Other liabilities	119
Total liabilities	194,729
Net assets sold	74,696
Reconciliation of the gain on sale:
Cash received	139,021
Net assets sold	(74,696)
Realized AOCI	(21,126)
Other expenses	(3,592)
Goodwill and intangible assets disposition	(13,179)
Gain on sale	$ 26,428

Schedule I - Summary of Inves_2

Schedule I - Summary of Investments Other than Investments in Related Parties (Details) $ in Thousands	Dec. 31, 2019USD ($)
Investments, excluding Equity Investments In Unconsolidated Subsidiaries
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	$ 4,540,746
Value	4,616,157
Amount at which shown in the Balance Sheet	4,616,157
Total Debt Securities
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	4,376,691
Value	4,476,358
Amount at which shown in the Balance Sheet	4,476,358
U.S. government and government agencies and authorities
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	68,944
Value	70,921
Amount at which shown in the Balance Sheet	70,921
States, municipalities and political subdivisions
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	298,345
Value	301,682
Amount at which shown in the Balance Sheet	301,682
Foreign governments
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	1,762
Value	1,802
Amount at which shown in the Balance Sheet	1,802
Public utilities
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	45,204
Value	46,694
Amount at which shown in the Balance Sheet	46,694
All other corporate bonds
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	3,962,436
Value	4,055,259
Amount at which shown in the Balance Sheet	4,055,259
Total Equity Securities
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	29,513
Value	5,257
Amount at which shown in the Balance Sheet	5,257
Industrial, miscellaneous and all other
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	29,513
Value	5,257
Amount at which shown in the Balance Sheet	5,257
Other investments
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	67,189
Value	67,189
Amount at which shown in the Balance Sheet	67,189
Other Short-term Investments
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	67,353
Value	67,353
Amount at which shown in the Balance Sheet	$ 67,353

Schedule II - Condensed Finan_2

Schedule II - Condensed Financial Information of Registrant - Balance Sheets - Parent Company Only (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Investments:
Debt securities, available-for-sale, at fair value (amortized cost - $95,527 and $79,454)	$ 4,476,358	$ 3,561,032
Short-term investments	67,353	348,549
Other investments	306,030	306,276
Total investments	4,854,998	4,226,806
Cash and cash equivalents	135,942	193,858
Accrued investment income	30,927	27,177
Prepaid and other assets	94,642	154,958
Total assets	9,756,534	9,439,280
Liabilities:
Accounts payable and accrued expenses (related parties - $639 and $69,874) (Exchanges - $8,497 and $7,720)	315,366	398,058
Debt	686,006	705,795
Total liabilities	7,139,040	7,238,409
Stockholders’ equity:
Total stockholders’ equity	2,617,494	2,200,871	$ 1,953,425	$ 1,917,358
Total liabilities and stockholders’ equity	9,756,534	9,439,280
Parent Company
Investments:
Debt securities, available-for-sale, at fair value (amortized cost - $95,527 and $79,454)	98,187	78,365
Short-term investments	4,807	117,135
Other investments	0	4,310
Equity investment in subsidiaries	2,937,575	2,491,024
Total investments	3,040,569	2,690,834
Cash and cash equivalents	852	3,956
Accrued investment income	835	728
Property and equipment, net	158,670	172,943
Prepaid and other assets	26,658	30,688
Total assets	3,227,584	2,899,149
Liabilities:
Accounts payable and accrued expenses (related parties - $639 and $69,874) (Exchanges - $8,497 and $7,720)	26,071	94,997
Debt	584,019	603,281
Total liabilities	610,090	698,278
Stockholders’ equity:
Total stockholders’ equity	2,617,494	2,200,871
Total liabilities and stockholders’ equity	$ 3,227,584	$ 2,899,149

Schedule II - Condensed Finan_3

Schedule II - Condensed Financial Information of Registrant - Balance Sheets - Parent Company Only Parenthetical (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Condensed Financial Statements, Captions
Debt securities, available-for-sale, amortized cost	$ 4,376,691	$ 3,614,609
Parent Company
Condensed Financial Statements, Captions
Debt securities, available-for-sale, amortized cost	$ 95,527	$ 79,454

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, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Revenues:
Service and fee income									$ 641,965	$ 561,583	$ 502,927
Investment income									141,233	119,034	101,950
Total revenues	$ 1,369,105	$ 1,308,172	$ 1,269,652	$ 1,232,665	$ 1,186,765	$ 1,168,843	$ 1,135,106	$ 1,117,257	5,179,594	4,607,971	4,422,074
Expenses:
Interest expense									51,544	51,425	47,086
Other expense, net									(26,428)	0	198
Total expenses	1,248,792	1,231,186	1,170,353	1,124,820	1,153,177	1,097,096	1,091,655	1,045,035	4,775,151	4,386,963	4,258,593
Income before provision (benefit) for income taxes									404,443	221,008	163,481
Benefit for income taxes	15,519	16,747	22,241	22,506	15,223	15,518	6,541	16,202	77,013	53,484	61,273
Net income attributable to NGHC	107,281	71,154	77,876	91,758	26,216	68,382	44,548	68,208	348,069	207,354	105,845
Dividends on preferred stock									(33,600)	(32,492)	(31,500)
Net income attributable to NGHC common stockholders	$ 98,356	$ 63,279	$ 68,951	$ 83,883	$ 17,349	$ 60,507	$ 36,673	$ 60,333	314,469	174,862	74,345
Other comprehensive income:
Other comprehensive income (loss), net of tax									135,324	(49,047)	(22,708)
Comprehensive income attributable to NGHC									474,747	163,300	86,258
Parent Company
Revenues:
Service and fee income									48,781	44,932	9,256
Investment income									3,929	1,205	3,004
Net gain (loss) on investments									1,026	(1,571)	4,032
Equity in undistributed net income of subsidiaries									365,932	232,101	116,367
Total revenues									419,668	276,667	132,659
Expenses:
Interest expense									38,670	39,380	40,954
Other expense, net									38,499	30,847	7,236
Total expenses									77,169	70,227	48,190
Income before provision (benefit) for income taxes									342,499	206,440	84,469
Benefit for income taxes									(5,570)	(914)	(21,376)
Net income attributable to NGHC									348,069	207,354	105,845
Dividends on preferred stock									(33,600)	(32,492)	(31,500)
Net income attributable to NGHC common stockholders									314,469	174,862	74,345
Other comprehensive income:
Other comprehensive income (loss), net of tax									126,678	(44,054)	(19,587)
Comprehensive income attributable to NGHC									$ 474,747	$ 163,300	$ 86,258

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, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Condensed Financial Statements, Captions
Net income	$ 104,794	$ 60,239	$ 77,058	$ 85,339	$ 18,365	$ 56,229	$ 36,910	$ 56,020	$ 327,430	$ 167,524	$ 102,208
Adjustments to reconcile net income to cash provided by (used in) operating activities:
Net (gain) loss on investments									(13,473)	29,545	(46,763)
Depreciation, amortization and goodwill impairment									96,279	86,346	103,303
Stock-based compensation expense									10,996	9,020	8,324
Changes in assets and liabilities:
Accrued investment income									(5,553)	(7,568)	5,129
Other liabilities									(43,063)	(6,601)	120,621
Net cash provided by operating activities									521,611	598,133	317,301
Cash flows from investing activities:
Debt securities, available-for-sale									(2,140,359)	(1,802,668)	(2,144,879)
Short-term investments									(2,773,361)	(2,919,422)	(5,728,031)
Property and equipment									(91,664)	(102,390)	(95,668)
Sale of debt securities, available-for-sale									974,474	1,010,339	2,078,119
Sale of short-term investments									3,066,577	2,610,788	5,707,331
Net cash used in investing activities									(498,251)	(790,774)	(171,472)
Cash flows from financing activities:
Proceeds from debt									0	0	140,000
Payments of debt issuance costs									(1,134)	0	0
Repayments of debt, principal payments under capital leases obligations and purchase of noncontrolling interests									(32,306)	(39,000)	(172,839)
Issuance of common stock — employee share options									594	1,978	1,259
Net cash (used in) provided by financing activities									(89,361)	73,463	(81,903)
Net (decrease) increase in cash, cash equivalents, and restricted cash									(69,120)	(123,901)	71,584
Cash, cash equivalents, and restricted cash at beginning of the year				233,583				357,484	233,583	357,484	285,900
Cash, cash equivalents, and restricted cash at end of the year	164,463				233,583				164,463	233,583	357,484
Parent Company
Condensed Financial Statements, Captions
Net income									348,069	207,354	105,845
Adjustments to reconcile net income to cash provided by (used in) operating activities:
Net (gain) loss on investments									(1,026)	1,571	(4,032)
Depreciation, amortization and goodwill impairment									23,280	20,668	4,799
Net amortization of premium net of discount on debt securities									233	581	842
Stock-based compensation expense									10,996	9,020	8,324
Equity in undistributed net income of subsidiaries									(365,932)	(232,101)	(116,367)
Changes in assets and liabilities:
Accrued investment income									(108)	(500)	6
Other assets									4,927	23,334	(13,007)
Other liabilities									(1,728)	8,993	(6,057)
Net cash provided by operating activities									18,711	38,920	(19,647)
Cash flows from investing activities:
Debt securities, available-for-sale									(46,832)	(70,308)	(235,837)
Short-term investments									(284,875)	(342,137)	0
Property and equipment									(75,673)	(73,563)	(58,181)
Sale of debt securities, available-for-sale									30,941	18,260	250,102
Sale of short-term investments									397,945	225,395	0
Distributions received from subsidiaries									(50,825)	(130,772)	(126,051)
Acquisition of subsidiaries, net of cash									(17,091)	(9,875)	(210)
Net cash used in investing activities									55,240	(121,456)	81,925
Cash flows from financing activities:
Proceeds from debt									0	0	140,000
Payments of debt issuance costs									(1,134)	0	0
Repayments of debt, principal payments under capital leases obligations and purchase of noncontrolling interests									(20,000)	(30,000)	(172,794)
Issuances of common and preferred stock, net of fees									0	162,120	0
Issuance of common stock — employee share options									594	1,978	1,259
Taxes paid related to net share settlement of equity awards									(3,734)	(3,024)	(1,773)
Dividends paid to common and preferred shareholders									(52,781)	(48,611)	(48,550)
Net cash (used in) provided by financing activities									(77,055)	82,463	(81,858)
Net (decrease) increase in cash, cash equivalents, and restricted cash									(3,104)	(73)	(19,580)
Cash, cash equivalents, and restricted cash at beginning of the year				$ 3,956				$ 4,029	3,956	4,029	23,609
Cash, cash equivalents, and restricted cash at end of the year	$ 852				$ 3,956				$ 852	$ 3,956	$ 4,029

Schedule III - Supplementary _2

Schedule III - Supplementary Insurance Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Supplementary Insurance Information, by Segment
Deferred Acquisition Costs	$ 263,523	$ 251,408	$ 216,389
Unpaid Loss and Loss Adjustment Expense Reserves	2,886,414	2,957,159	2,663,557
Unearned Premiums	2,219,219	2,156,837	1,923,585
Net Earned Premium	4,118,042	3,732,202	3,654,176
Net Investment Income	141,233	119,034	101,950
Loss and Loss Adjustment Expense Incurred	2,854,468	2,662,226	2,626,082
Deferred Acquisition Costs Amortization	577,357	510,793	509,889
Other Operating Expenses	250,010	224,473	162,540
Net Written Premium	4,224,621	3,827,713	3,577,595
Operating Segments | Property and Casualty
Supplementary Insurance Information, by Segment
Deferred Acquisition Costs	239,293	226,188	198,283
Unpaid Loss and Loss Adjustment Expense Reserves	2,734,540	2,685,879	2,413,904
Unearned Premiums	2,210,851	2,120,283	1,886,359
Net Earned Premium	3,455,023	3,115,789	3,120,893
Net Investment Income	0	0	0
Loss and Loss Adjustment Expense Incurred	2,543,788	2,340,881	2,307,619
Deferred Acquisition Costs Amortization	539,816	495,009	487,740
Other Operating Expenses	65,203	55,531	29,810
Net Written Premium	3,564,015	3,201,174	3,042,299
Operating Segments | Accident and Health
Supplementary Insurance Information, by Segment
Deferred Acquisition Costs	24,230	25,220	18,106
Unpaid Loss and Loss Adjustment Expense Reserves	151,874	271,280	249,653
Unearned Premiums	8,368	36,554	37,226
Net Earned Premium	663,019	616,413	533,283
Net Investment Income	0	0	0
Loss and Loss Adjustment Expense Incurred	310,680	321,345	318,463
Deferred Acquisition Costs Amortization	37,541	15,784	22,149
Other Operating Expenses	184,807	168,942	132,730
Net Written Premium	660,606	626,539	535,296
Corporate and Other
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	141,233	119,034	101,950
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, 2019	Dec. 31, 2018	Dec. 31, 2017
Earned
Gross Amount	$ 5,486,835	$ 5,049,512	$ 4,233,184
Ceded to Other Companies	(1,449,365)	(1,440,575)	(818,238)
Assumed from Other Companies	80,572	123,265	239,230
Net Amount	$ 4,118,042	$ 3,732,202	$ 3,654,176
Percent of Amount Assumed to Net	2.00%	3.30%	6.50%

Schedule V - Valuation and Qu_2

Schedule V - Valuation and Qualifying Accounts (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Allowance for uncollectible accounts
Movement in Valuation Allowances and Reserves
Balance at beginning of the year	$ 20,208	$ 18,546	$ 16,219
Charge (Benefit) to costs and expenses	88,247	74,214	63,819
Charge to other accounts	0	0	0
Deductions	(84,388)	(72,552)	(61,492)
Balance at end of the year	24,067	20,208	18,546
Valuation allowance for deferred taxes
Movement in Valuation Allowances and Reserves
Balance at beginning of the year	60,344	5,410	7,135
Charge (Benefit) to costs and expenses	11,436	54,934	(1,725)
Charge to other accounts	0	0	0
Deductions	0	0	0
Balance at end of the year	$ 71,780	$ 60,344	$ 5,410

Schedule VI - Supplemental In_2

Schedule VI - Supplemental Information Concerning Property-Casualty Insurance Operations (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters
Losses and Loss Adjustment Expenses Incurred Related to Current Year	$ 2,849,304	$ 2,696,260	$ 2,618,733
Losses and Loss Adjustment Expenses Incurred Related to Prior Years	5,164	(34,034)	7,349
Paid Losses and Loss Adjustment Expenses	2,756,563	2,515,237	2,491,881
Property and Casualty
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters
Losses and Loss Adjustment Expenses Incurred Related to Current Year	2,493,268	2,343,938	2,291,444
Losses and Loss Adjustment Expenses Incurred Related to Prior Years	50,520	(3,057)	16,175
Paid Losses and Loss Adjustment Expenses	2,427,676	2,209,570	2,217,220
Accident and Health
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters
Losses and Loss Adjustment Expenses Incurred Related to Current Year	356,036	352,322	327,289
Losses and Loss Adjustment Expenses Incurred Related to Prior Years	(45,356)	(30,977)	(8,826)
Paid Losses and Loss Adjustment Expenses	$ 328,887	$ 305,667	$ 274,661

Uncategorized Items - nghc20191

Label	Element	Value
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	$ 8,830,000
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	1,377,000
AOCI Attributable to Parent [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	36,000
Retained Earnings [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	1,438,000
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	8,794,000
Noncontrolling Interest [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	$ (61,000)