Contingencies	9 Months Ended
Sep. 30, 2011
Notes to Financial Statements
Contingencies	NOTE 10 – CONTINGENCIES One of the Company’s agents that was appointed in 2008 to help the Company get its Trucking Program started failed to pay the net premium and policy fees due Unifax, the exclusive general agent for Crusader. The agent was initially late in paying its February 2009 production that was due to Unifax on April 15, 2009. In May 2009, as a result of the agent’s failure to timely pay its balance due to Unifax, the Company terminated its agency agreement and assumed ownership and control of that agent’s policy expirations written with the Company. The agent has not paid any subsequent premium to Unifax. The Company subsequently commenced legal proceedings against the agent corporation, its principals (who personally guaranteed the agent’s obligations), and another individual for the recovery of the balance due and any related recovery costs incurred. All related recovery costs have been expensed as incurred. The agent’s balance due to Unifax was $1,495,226, as of September 30, 2011. No interest has been accrued on this balance. The bad debt reserve for this agent is $1,101,835, as of September 30, 2011. The Company’s bad debt reserve is subject to change as more information becomes available. In June 2010, the Company completed its search for a new policy administration software system to replace its existing Legacy system, and the Company signed related contracts on July 8, 2010. The Company had discussions and negotiations with the vendor over concerns about the vendor’s delay in the implementation of the system and the system’s functionality. As a result of the vendor’s inability to resolve the issues related to the software’s operation and functionality, the Company unilaterally cancelled the contract and abandoned the implementation of the policy administration software with the related vendor. The Company expensed all capitalized work-in-progress costs paid to date of $80,038 and has cancelled the remaining unpaid capitalized balance of the accounts payable due the vendor. The Company is currently reviewing its options regarding a renewed search for a new policy administration software system.

Contingencies

9 Months Ended

Sep. 30, 2011

NOTE 10 – CONTINGENCIES

One of the Company’s agents that was appointed in 2008 to help the Company get its Trucking Program started failed to pay the net premium and policy fees due Unifax, the exclusive general agent for Crusader. The agent was initially late in paying its February 2009 production that was due to Unifax on April 15, 2009. In May 2009, as a result of the agent’s failure to timely pay its balance due to Unifax, the Company terminated its agency agreement and assumed ownership and control of that agent’s policy expirations written with the Company. The agent has not paid any subsequent premium to Unifax. The Company subsequently commenced legal proceedings against the agent corporation, its principals (who personally guaranteed the agent’s obligations), and another individual for the recovery of the balance due and any related recovery costs incurred. All related recovery costs have been expensed as incurred. The agent’s balance due to Unifax was $1,495,226, as of September 30, 2011. No interest has been accrued on this balance. The bad debt reserve for this agent is $1,101,835, as of September 30, 2011. The Company’s bad debt reserve is subject to change as more information becomes available.

In June 2010, the Company completed its search for a new policy administration software system to replace its existing Legacy system, and the Company signed related contracts on July 8, 2010. The Company had discussions and negotiations with the vendor over concerns about the vendor’s delay in the implementation of the system and the system’s functionality. As a result of the vendor’s inability to resolve the issues related to the software’s operation and functionality, the Company unilaterally cancelled the contract and abandoned the implementation of the policy administration software with the related vendor. The Company expensed all capitalized work-in-progress costs paid to date of $80,038 and has cancelled the remaining unpaid capitalized balance of the accounts payable due the vendor. The Company is currently reviewing its options regarding a renewed search for a new policy administration software system.