Consolidated Balance Sheets (USD $)	Dec. 31, 2012	Dec. 31, 2011
Available for sale:
Fixed maturities, at fair value (amortized cost: December 31, 2012 $33,444.211; December 31, 2011 $89,902,677)	$ 33,628,002	$ 91,356,624
Short-term investments, at cost	86,256,249	38,139,469
Total Investments	119,884,251	129,496,093
Cash	160,506	467,087
Accrued investment income	155,678	680,626
Premiums, commission and notes receiveable, net	5,744,592	5,303,714
Reinsurance Recoverable:
Paid losses and loss adjustment expenses	305,201	60,300
Unpaid losses and loss adjustment expenses	6,584,143	7,974,664
Deferred policy acquisition costs	3,785,594	4,158,522
Property and equipment (net of accumulated depreciation)	856,850	230,781
Deferred income taxes	1,893,929	1,394,500
Other assets	637,282	608,758
Total Assets	140,008,026	150,375,045
Unpaid losses and loss adjustment expenses	49,784,725	54,486,843
Unearned premiums	16,030,234	15,912,276
Advance premium and premium deposits	756,190	818,006
Income taxes payable	0	0
Accrued expenses and other liabilities	3,040,312	3,309,605
Total Liabilities	69,611,461	74,526,730
Common stock, no par, authorized 10,000,000 shares; issued and outstanding shares 5,341,147 at December 31, 2012, and 5,341,992 at December 31, 2011	3,685,620	3,611,461
Accumulated other comprehensive income	121,302	959,604
Retained earnings	66,589,643	71,277,250
Total Stockholders Equity	70,396,565	75,848,315
Total Liabilities and Stockholders' Equity	$ 140,008,026	$ 150,375,045