Accrued Expenses and Other Liabilites (Details) (USD $)	Dec. 31, 2012	Dec. 31, 2011
Accrued Expenses And Other Liabilites Details
Premium payable	$ 605,353	$ 586,717
Unearned contingent commission on reinsurance treaties	366,080	801,601
Unearned policy fee income	852,023	886,361
Retirement Plan Contributions Payable	300,000	264,000
Salaries and employee beneifits payable	449,168	428,489
Commission payable	174,613	101,244
Other	293,075	241,193
Accrued expenses and other liabilities	$ 3,040,312	$ 3,309,605