Consolidated Statements of Cash Flows (USD $)	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2010	Dec. 31, 2009
Cash Flows from Operating Activities:
Net Income	$ 3,739,876	$ 2,329,152	$ 2,927,375
Depreciation	59,483	127,371	196,040
Bond amortization, net	153,604	114,924	224,180
Non-cash based compensation	30,676
Tax benefit from disqualified incentive stock options	(2,724)	(40,031)	0
Premium, notes and investment income receivable	(929,229)	73,476	853,430
Reinsurance recoverable	3,830,227	4,763,986	3,301,130
Deferred policy acquisition costs	142,405	654,709	264,256
Other assets	160,847	(61,542)	129,300
Unpaid losses and loss adjustment expenses	(7,072,852)	(10,025,713)	(7,069,182)
Unearned premium	(17,672)	(2,881,467)	(1,150,703)
Advance premium and premium deposits	(11,740)	(204,306)	(158,501)
Accrued expenses and other liabilities	(1,258,818)	(794,014)	(1,119,331)
Income taxes current/deferred	102,817	57,831	(1,061,553)
Net Cash Used by Operating Activities	(1,073,100)	(5,885,624)	(2,663,559)
Investing Activities
Purchase of fixed maturity investments	(14,794,000)	(33,024,508)	(36,074,521)
Proceeds from maturity of fixed maturity investments	48,038,998	38,048,999	42,950,000
Net (increase) in short-term investments	(31,673,820)	2,692,183	344,201
(Additions) to property and equipment	(91,607)	(104,773)	(57,742)
Net Cash Provided by Investing Activities	1,479,571	7,611,901	7,161,938
Financing Activities
Repurchase of common stock	(10,959)		(2,447,948)
Dividends paid to shareholders		(1,917,209)	(1,959,629)
Proceeds from issuance of common stock	23,641	77,599	0
Tax benefit from disqualified incentive stock options	2,724	40,031
Net Cash Provided (Used) by Financing Activities	15,406	(1,799,579)	(4,407,577)
Net increase in cash	421,877	(73,302)	90,802
Cash at beginning of period	45,210	118,512	27,710
Cash at End of Period	467,087	45,210	118,512
Cash paid during the period for:
Interest	0	0	0
Income taxes	1,908,982	833,931	2,308,920
Supplemental Schedule on Non-Cash Investing Activities
(Write-offs) acquisition of fixed assets	$ (1,431,917)	$ 1,431,917