Historical Loss And LAE Development (Tables)

12 Months Ended

Dec. 31, 2025

Historical Loss And L A E Development Disclosure [Abstract]

Schedule of Reconciliation of Unpaid Losses and Settlement Expenses (LAE)


(in thousands)	2025		2024		2023
Unpaid losses and LAE at beginning of year:
Gross	$	2,693,470	$	2,446,025	$	2,315,637
Ceded		(755,425)		(757,349)		(740,089)
Net	$	1,938,045	$	1,688,676	$	1,575,548

Increase (decrease) in incurred losses and LAE:
Current accident year	$	824,933	$	834,562	$	712,960
Prior accident years		(98,978)		(95,309)		(108,547)
Total incurred	$	725,955	$	739,253	$	604,413

Loss and LAE payments for claims incurred:
Current accident year	$	(110,712)	$	(121,314)	$	(165,364)
Prior accident year		(413,267)		(368,570)		(325,921)
Total paid	$	(523,979)	$	(489,884)	$	(491,285)

Net unpaid losses and LAE at end of year	$	2,140,021	$	1,938,045	$	1,688,676

Unpaid losses and LAE at end of year:
Gross	$	2,886,819	$	2,693,470	$	2,446,025
Ceded		(746,798)		(755,425)		(757,349)
Net	$	2,140,021	$	1,938,045	$	1,688,676

Schedule of Incurred and Paid Claims Development


Casualty - Primary Occurrence
(in thousands, except number of claims)
	Incurred Losses and Loss Adjustment Expenses, Net of Reinsurance																				As of December 31, 2025
	For the Years Ended December 31,																						Cumulative
																							Number of
																							Reported
AY	2016*		2017*		2018*		2019*		2020*		2021*		2022*		2023*		2024*		2025		Total IBNR		Claims
2016	$	101,950	$	96,753	$	90,611	$	85,449	$	83,374	$	79,440	$	77,729	$	78,358	$	77,669	$	77,108	$	3,277	4,363
2017				119,741		111,391		102,583		95,513		90,759		90,344		90,744		91,238		93,142		4,026	4,593
2018						141,513		130,281		125,731		115,076		114,414		115,793		118,084		119,149		7,601	4,936
2019								146,011		135,209		120,570		109,051		111,156		112,638		113,624		12,626	5,395
2020										145,171		137,439		122,785		117,962		114,336		112,488		20,297	4,773
2021												142,797		128,483		125,672		123,363		124,464		30,771	4,744
2022														155,203		144,861		143,518		148,462		48,428	4,877
2023																152,443		147,366		146,247		70,492	4,688
2024																		160,008		152,141		91,774	4,203
2025																				163,478		131,254	2,768
																		Total	$	1,250,303


	Cumulative Paid Loss and Loss Adjustment Expenses, Net of Reinsurance
	For the Years Ended December 31,
AY	2016*		2017*		2018*		2019*		2020*		2021*		2022*		2023*		2024*		2025
2016	$	10,142	$	24,186	$	35,764	$	48,042	$	56,152	$	60,349	$	65,517	$	69,968	$	71,519	$	72,502
2017				13,154		25,933		38,783		52,823		62,236		71,419		76,283		79,374		83,291
2018						15,066		32,365		48,424		63,980		78,103		93,504		101,748		106,039
2019								15,698		30,673		41,911		57,750		74,380		87,092		95,875
2020										17,096		30,596		45,267		60,764		76,345		84,827
2021												14,428		29,633		43,951		65,454		82,892
2022														17,714		38,712		56,998		76,275
2023																17,707		35,634		52,452
2024																		16,950		36,872
2025																				12,659
		* Presented as unaudited required supplementary information.																Total	$	703,684
										All outstanding liabilities before 2016, net of reinsurance										10,644
								Liabilities for losses and loss adjustment expenses, net of reinsurance											$	557,263


	Average Annual Percentage Payout of Incurred Losses by Age, Net of Reinsurance*
Years	1		2		3		4		5		6		7		8		9		10
		12.3%		13.7%		12.6%		14.6%		12.5%		9.4%		6.6%		4.2%		3.1%		1.3%


Casualty - Excess Occurrence
(in thousands, except number of claims)
	Incurred Losses and Loss Adjustment Expenses, Net of Reinsurance																				As of December 31, 2025
	For the Years Ended December 31,																						Cumulative
																							Number of
																							Reported
AY	2016*		2017*		2018*		2019*		2020*		2021*		2022*		2023*		2024*		2025		Total IBNR		Claims
2016	$	56,341	$	49,385	$	37,676	$	33,125	$	30,251	$	29,671	$	29,940	$	27,733	$	27,015	$	26,610	$	1,732	662
2017				62,863		55,868		48,363		44,737		43,249		41,620		39,600		37,828		37,767		2,612	670
2018						69,362		62,646		54,626		51,023		49,861		47,949		45,580		42,267		7,036	640
2019								88,078		89,691		79,083		80,147		77,185		70,850		64,792		14,275	721
2020										107,579		98,409		90,274		81,284		75,351		70,950		29,836	680
2021												136,433		136,354		125,028		120,830		114,447		39,276	946
2022														153,895		156,822		157,626		146,752		57,227	1,154
2023																178,887		176,607		185,656		74,782	1,330
2024																		225,747		216,555		112,188	1,126
2025																				276,051		228,841	645
																		Total	$	1,181,847


	Cumulative Paid Loss and Loss Adjustment Expenses, Net of Reinsurance
	For the Years Ended December 31,
AY	2016*		2017*		2018*		2019*		2020*		2021*		2022*		2023*		2024*		2025
2016	$	1,068	$	3,396	$	7,441	$	10,054	$	12,703	$	14,400	$	17,807	$	20,603	$	21,176	$	21,269
2017				17		5,679		9,275		15,441		18,470		22,835		25,328		27,840		30,622
2018						2,506		5,823		10,801		17,294		22,016		23,958		28,272		32,241
2019								4,213		19,044		25,389		33,375		38,291		41,794		45,057
2020										2,901		13,856		20,988		24,657		31,299		36,232
2021												5,317		23,841		38,977		59,901		69,360
2022														7,479		28,764		57,202		71,225
2023																7,091		31,867		72,609
2024																		6,048		43,197
2025																				5,999
		* Presented as unaudited required supplementary information.																Total	$	427,811
										All outstanding liabilities before 2016, net of reinsurance										25,134
								Liabilities for losses and loss adjustment expenses, net of reinsurance											$	779,170


	Average Annual Percentage Payout of Incurred Losses by Age, Net of Reinsurance*
Years	1		2		3		4		5		6		7		8		9		10
		3.9%		14.6%		13.9%		12.4%		9.1%		7.0%		8.7%		8.8%		4.8%		0.3%


Casualty - Claims Made
(in thousands, except number of claims)
	Incurred Losses and Loss Adjustment Expenses, Net of Reinsurance																				As of December 31, 2025
	For the Years Ended December 31,																						Cumulative
																							Number of
																							Reported
AY	2016*		2017*		2018*		2019*		2020*		2021*		2022*		2023*		2024*		2025		Total IBNR		Claims
2016	$	59,992	$	67,760	$	69,493	$	67,728	$	64,730	$	65,078	$	61,876	$	61,881	$	60,639	$	61,983	$	1,125	1,507
2017				60,572		62,450		62,714		57,450		59,907		61,546		60,340		60,057		59,736		1,861	1,648
2018						66,128		62,416		56,468		48,457		47,692		43,912		45,331		51,972		1,815	1,401
2019								62,918		61,712		52,224		46,500		43,969		42,236		42,391		5,490	1,518
2020										60,278		56,785		46,853		40,878		41,658		38,324		6,333	1,298
2021												51,219		45,854		38,946		35,485		34,785		8,437	1,230
2022														58,289		55,316		46,276		43,446		16,236	1,159
2023																54,679		47,848		45,989		20,315	1,201
2024																		58,153		53,050		28,323	1,271
2025																				52,488		37,038	1,076
																		Total	$	484,164


	Cumulative Paid Loss and Loss Adjustment Expenses, Net of Reinsurance
	For the Years Ended December 31,
AY	2016*		2017*		2018*		2019*		2020*		2021*		2022*		2023*		2024*			2025
2016	$	2,060	$	14,558	$	27,465	$	39,370	$	47,999	$	52,846	$	53,737	$	56,342	$	57,976	$		60,112
2017				2,455		11,350		22,728		36,522		42,918		47,087		50,623		55,321			55,750
2018						1,964		11,965		18,840		24,918		27,351		31,002		38,188			39,398
2019								1,839		8,123		14,117		19,930		27,133		32,622			34,884
2020										1,488		5,687		10,412		16,537		26,511			27,320
2021												999		5,615		8,661		11,856			18,032
2022														2,088		8,836		14,672			20,487
2023																1,421		5,336			11,354
2024																		1,524			8,735
2025																					2,437
		* Presented as unaudited required supplementary information.																Total		$	278,509
										All outstanding liabilities before 2016, net of reinsurance											2,633
								Liabilities for losses and loss adjustment expenses, net of reinsurance												$	208,288


	Average Annual Percentage Payout of Incurred Losses by Age, Net of Reinsurance*
Years	1		2		3		4		5		6		7		8		9		10
		3.8%		14.6%		14.4%		15.2%		15.0%		7.4%		6.6%		4.8%		1.7%		3.4%


Casualty - Transportation
(in thousands, except number of claims)
	Incurred Losses and Loss Adjustment Expenses, Net of Reinsurance																				As of December 31, 2025
	For the Years Ended December 31,																						Cumulative
																							Number of
																							Reported
AY	2016*		2017*		2018*		2019*		2020*		2021*		2022*		2023*		2024*		2025		Total IBNR		Claims
2016	$	50,430	$	53,519	$	54,105	$	52,277	$	52,818	$	53,915	$	55,718	$	56,515	$	56,736	$	56,424	$	505	3,945
2017				55,640		53,641		45,017		43,764		45,351		46,742		47,619		47,228		47,285		562	3,640
2018						57,597		54,592		38,719		36,468		35,442		35,776		36,212		36,381		691	3,407
2019								58,297		56,129		43,976		41,925		44,236		47,296		46,722		1,194	3,321
2020										43,573		35,524		27,665		28,856		29,532		28,070		1,584	1,648
2021												51,322		51,581		47,913		54,599		55,349		5,301	2,324
2022														60,862		53,680		55,851		57,378		8,108	2,727
2023																66,863		60,930		71,443		14,668	2,649
2024																		86,321		80,414		26,140	2,836
2025																				84,691		32,118	2,002
																		Total	$	564,157


		Cumulative Paid Loss and Loss Adjustment Expenses, Net of Reinsurance
		For the Years Ended December 31,
AY	2016*		2017*		2018*		2019*		2020*		2021*		2022*		2023*		2024*		2025
2016	$	8,923	$	18,354	$	30,354	$	38,001	$	43,564	$	47,488	$	52,555	$	54,245	$	55,250	$	55,510
2017				7,979		17,070		24,090		30,260		36,141		41,064		43,891		45,061		45,552
2018						6,980		12,827		19,216		24,503		28,844		30,916		33,296		34,530
2019								7,148		15,852		21,120		26,422		35,546		42,409		43,734
2020										3,986		7,876		12,035		20,749		23,077		24,426
2021												5,341		15,345		25,886		37,702		44,696
2022														6,442		18,296		27,146		39,366
2023																7,407		18,350		34,355
2024																		9,431		22,006
2025																				7,048
		* Presented as unaudited required supplementary information.																Total	$	351,223
										All outstanding liabilities before 2016, net of reinsurance										1,030
								Liabilities for losses and loss adjustment expenses, net of reinsurance											$	213,964


	Average Annual Percentage Payout of Incurred Losses by Age, Net of Reinsurance*
Years	1		2		3		4		5		6		7		8		9		10
		13.3%		17.1%		17.1%		18.0%		12.4%		8.5%		6.1%		3.0%		1.4%		0.5%

Property

(in thousands, except number of claims)

Incurred Losses and Loss Adjustment Expenses, Net of Reinsurance

As of December 31, 2025

For the Years Ended December 31,

Cumulative

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