Consolidated Balance Sheets (USD $)	Sep. 30, 2012	Dec. 31, 2011
Available for sale:
Fixed maturities, at fair value (amortized cost: September 30, 2012 $46,499,034; December 31, 2011 $89,902,677)	$ 46,796,485	$ 91,356,624
Short-term investments, at fair value	78,046,412	38,139,469
Total Investments	124,842,897	129,496,093
Cash	94,519	467,087
Accrued investment income	270,367	680,626
Premiums and notes receiveable, net	6,019,786	5,303,714
Reinsurance Recoverable:
Paid losses and loss adjustment expenses	11,991	60,300
Unpaid losses and loss adjustment expenses	7,814,118	7,974,664
Deferred policy acquisition costs	3,928,234	4,158,522
Property and equipment (net of accumulated depreciation)	664,664	230,781
Deferred income taxes	1,835,909	1,394,500
Other assets	1,396,323	608,758
Total Assets	146,878,808	150,375,045
Unpaid losses and loss adjustment expenses	51,029,078	54,486,843
Unearned premiums	16,590,439	15,912,276
Advance premium and premium deposits	930,060	818,006
Accrued expenses and other liabilities	3,103,359	3,309,605
Total Liabilities	71,652,936	74,526,730
Common stock, no par, authorized 10,000,000 shares; issued and outstanding shares 5,329,597 at September 30, 2012, and 5,341,992 at December 31, 2011	3,633,189	3,611,461
Accumulated other comprehensive income	196,318	959,604
Retained earnings	71,396,365	71,277,250
Total Stockholders Equity	75,225,872	75,848,315
Total Liabilities and Stockholders' Equity	$ 146,878,808	$ 150,375,045