Reinsurance - Effect Of Reinsurance (Details) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Reinsurance - Effect Of Reinsurance Details
Direct written	$ 32,572,047	$ 32,054,590	$ 32,697,971
Reinsurance assumed	0	0	0
Reinsurance ceded	(5,180,758)	(5,334,743)	(7,427,651)
Net written	27,391,289	26,719,847	25,270,320
Premiums earned
Direct earned	32,454,089	32,072,262	35,579,438
Reinsurance assumed premiums	0	0	0
Reinsurance ceded premiums	(5,135,929)	(5,348,319)	(7,427,236)
Net premium earned	27,318,160	26,723,943	28,152,202
Loss And Loss Adjustment Expenses
Direct incurred loss and loss adjustment expenses	16,795,237	11,970,100	16,706,756
Assumed loss and loss adjustment expenses	0	0	0
Ceded loss and loss adjustment expenses	(1,561,834)	2,417,227	1,763,359
Net incurred losses and loss adjustment expenses	$ 15,233,403	$ 14,387,327	$ 18,470,115
Percent of ceded earned premium to direct earned premium	16.00%	17.00%	21.00%