Consolidated Statements of Cash Flows (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Cash Flows from Operating Activities:
Net Income	$ 1,953,728	$ 3,739,876	$ 2,329,152
Depreciation and amortization	139,293	59,483	127,371
Bond amortization, net	78,468	153,604	114,924
Non-cash based compensation	23,104	30,676	0
Tax benefit from disqualified incentive stock options	(16,274)	(2,724)	(40,031)
Premium, notes and investment income receivable	84,070	(929,229)	73,476
Reinsurance recoverable	1,145,620	3,830,227	4,763,986
Deferred policy acquisition costs	372,928	142,405	654,709
Other assets	(122,168)	160,847	(61,542)
Unpaid losses and loss adjustment expenses	(4,702,118)	(7,072,852)	(10,025,713)
Unearned premium	117,958	(17,672)	(2,881,467)
Advance premium and premium deposits	(61,816)	(11,740)	(204,306)
Accrued expenses and other liabilities	(269,293)	(1,258,818)	(794,014)
Income taxes current/deferred	42,341	102,817	57,831
Net Cash Used by Operating Activities	(1,214,159)	(1,073,100)	(5,885,624)
Investing Activities
Purchase of fixed maturity investments	(1,700,000)	(14,794,000)	(33,024,508)
Proceeds from maturity of fixed maturity investments	58,080,000	48,038,998	38,048,999
Net (increase) in short-term investments	(48,116,780)	(31,673,820)	2,692,183
(Additions) to property and equipment	(765,362)	(91,607)	(104,773)
Net Cash Provided by Investing Activities	7,497,858	1,479,571	7,611,901
Financing Activities
Repurchase of common stock	(243,469)	(10,959)
Dividends paid to shareholders	(6,409,445)		(1,917,209)
Proceeds from issuance of common stock	46,360	23,641	77,599
Tax benefit from disqualified incentive stock options	16,274	2,724	40,031
Net Cash Provided (Used) by Financing Activities	(6,590,280)	15,406	(1,799,579)
Net increase in cash	(306,581)	421,877	(73,302)
Cash at beginning of period	467,087	45,210	118,512
Cash at End of Period	160,506	467,087	45,210
Cash paid during the period for:
Interest	0	0	0
Income taxes	858,949	1,908,982	833,931
Supplemental Schedule on Non-Cash Investing Activities
(Write-offs) acquisition of fixed assets	$ 0	$ (1,602,133)	$ 1,431,917