The following table presents the balances of premiums receivable, net of allowance for estimated uncollectible premiums, including expected lifetime credit losses and the changes in the allowance for the respective periods:


(in millions)	Premiums Receivable, Net of Allowance for Estimated Uncollectible Premiums		Allowance for Estimated Uncollectible Premiums
Balance, December 31, 2024	$	179.5	$	7.8
Current period change for estimated uncollectible premiums			0.7
Write-offs of uncollectible premiums receivable			(0.7)

Balance, March 31, 2025	$	196.1	$	7.8

Balance, December 31, 2023	$	230.7	$	3.0
Current period change for estimated uncollectible premiums			1.4
Write-offs of uncollectible premiums receivable			(0.3)
Balance, March 31, 2024	$	209.8	$	4.1

The following table presents the balances of reinsurance recoverables, net of the allowance for estimated uncollectible reinsurance, including expected credit losses and changes in the allowance for the respective periods:


(in millions)	Reinsurance Recoverables, Net of Allowance for Estimated Uncollectible Reinsurance		Allowance for Estimated Uncollectible Reinsurance
Balance, December 31, 2024	$	3,053.2	$	5.8


Balance, March 31, 2025	$	2,936.1	$	5.8

Balance, December 31, 2023	$	2,959.3	$	—
Balance, March 31, 2024	$	2,933.1	$	—

We primarily utilize A.M. Best credit ratings when determining the allowance and adjust as needed based on our historical experience with the reinsurers. A portion of our reinsurance recoverables are collateralized by letters of credit, funds held or trust agreements.