Consolidated Statements of Cash Flows (USD $)	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Cash Flows from Operating Activities:
Net Income	$ 500,370	$ 1,114,347
Depreciation	13,361	13,548
Bond amortization, net	27,247	39,998
Non-cash based compensation	5,776	0
Premium, notes and investment income receivable	(572,831)	(688,352)
Reinsurance recoverable	256,138	986,614
Deferred policy acquisition costs	81,667	(21,412)
Other assets	(43,970)	32,260
Unpaid losses and loss adjustment expenses	(2,002,202)	(3,481,727)
Unearned premium	107,240	39,048
Advance premium and premium deposits	527,955	347,404
Accrued expenses and other liabilities	105,215	(239,063)
Income taxes current/deferred	273,971	504,621
Net Cash Used by Operating Activities	(720,063)	(1,352,714)
Investing Activities
Purchase of fixed maturity investments	(150,000)	(350,000)
Proceeds from maturity of fixed maturity investments	1,544,000	1,196,998
Net (increase) in short-term investments	(874,761)	562,909
(Additions) to property and equipment	(103,523)	(71,731)
Net Cash Provided by Investing Activities	415,716	1,338,176
Financing Activities
Proceeds from exercise of stock options	0	3
Repurchase and adjustment of common stock	(6,674)	0
Net Cash Provided (Used) by Financing Activities	(6,674)	3
Net decrease in cash	(311,021)	(14,535)
Cash at beginning of period	467,087
Cash at End of Period	156,066	36,675
Cash paid during the period for:
Interest	0	0
Income taxes	$ 8,942	$ 108,800