Reserve for Losses and Loss Adjustment Expenses (Tables)

12 Months Ended

Dec. 31, 2015

Liability for Future Policy Benefits and Unpaid Claims and Claims Adjustment Expense [Abstract]

Schedule of reconciliation of beginning and ending reserve balances for losses and loss adjustment expenses (LAE)

The following table provides a reconciliation of the beginning and ending reserve balances for losses and loss adjustment expenses ("LAE") for the years ended December 31:

($ in thousands)	2015			2014
Reserve for losses and LAE at beginning of year	$	8,427		$	3,070
Less: Reinsurance recoverables	—			—
Net reserve for losses and LAE at beginning of year	8,427			3,070
Add provision for losses and LAE, net of reinsurance, occurring in:
Current year	14,956			6,877
Prior years	(3,051		)	(569		)
Net incurred losses during the current year	11,905			6,308
Deduct payments for losses and LAE, net of reinsurance, occurring in:
Current year	544			138
Prior years	2,028			813
Net loss and LAE payments during the current year	2,572			951
Net reserve for losses and LAE at end of year	17,760			8,427
Plus: Reinsurance recoverables	—			—
Reserve for losses and LAE at end of year	$	17,760		$	8,427
Loans in default at end of year	1,028			457