| Schedule of Goodwill |
| | | | | | | | | | | | | | | | | March 31, 2026 | | December 31, 2025 | | Beginning balance | | $ | 540,345 | | | $ | 418,234 | | | Business acquisitions | | — | | | 95,357 | | | Foreign exchange | | (6,848) | | | 26,754 | | | | | | | | Ending balance | | $ | 533,497 | | | $ | 540,345 | |
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| Goodwill and Intangible Assets Disclosure |
8. GOODWILL AND INTANGIBLE ASSETS Below is a rollforward of the Company's goodwill.
| | | | | | | | | | | | | | | | | March 31, 2026 | | December 31, 2025 | | Beginning balance | | $ | 540,345 | | | $ | 418,234 | | | Business acquisitions | | — | | | 95,357 | | | Foreign exchange | | (6,848) | | | 26,754 | | | | | | | | Ending balance | | $ | 533,497 | | | $ | 540,345 | |
Intangible assets consisted of the following as of March 31, 2026 and December 31, 2025: | | | | | | | | | | | | | | | | | | | | | | | Gross Carrying Amount | | Accumulated Amortization | | Net Carrying Amount | | March 31, 2026 | | | | | | | | Finite-lived intangible assets: | | | | | | | | Customer relationships | | $ | 503,392 | | | $ | 72,629 | | | $ | 430,763 | | | Non-compete agreements | | 1,350 | | | 1,350 | | | — | | | Trade names | | 19,225 | | | 2,821 | | | 16,404 | | | Total finite-lived intangible assets | | 523,967 | | | 76,800 | | | 447,167 | | | Indefinite-lived intangible assets: | | | | | | | | Insurance licenses | | 11,213 | | | — | | | 11,213 | | | Total intangible assets | | 535,180 | | | 76,800 | | | 458,380 | | | | | | | | | | December 31, 2025 | | | | | | | | Finite-lived intangible assets: | | | | | | | | Customer relationships | | $ | 509,197 | | | $ | 62,362 | | | $ | 446,835 | | | Non-compete agreements | | 1,350 | | | 1,350 | | | — | | | Trade names | | 19,383 | | | 2,433 | | | 16,950 | | | Total finite-lived intangible assets | | 529,930 | | | 66,145 | | | 463,785 | | | Indefinite-lived intangible assets: | | | | | | | | Insurance licenses | | 11,213 | | | — | | | 11,213 | | | Total intangible assets | | 541,143 | | | 66,145 | | | 474,998 | |
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