Consolidated Balance Sheets (USD $)	Mar. 31, 2013	Dec. 31, 2012
Available for sale:
Fixed maturities, at fair value (amortized cost: March 31, 2013 $26,190,228; December 31, 2012 $33,444,211)	$ 26,301,592	$ 33,628,002
Short-term investments, at fair value	93,338,025	86,256,249
Total Investments	119,639,617	119,884,251
Cash	169,563	160,506
Accrued investment income	48,045	155,678
Receivables, net	5,563,879	5,744,592
Reinsurance Recoverable:
Paid losses and loss adjustment expenses	505,921	305,201
Unpaid losses and loss adjustment expenses	5,730,745	6,584,143
Deferred policy acquisition costs	3,843,121	3,785,594
Property and equipment (net of accumulated depreciation)	1,049,151	856,850
Deferred income taxes	1,794,131	1,893,929
Other assets	685,485	637,282
Total Assets	139,029,658	140,008,026
Unpaid losses and loss adjustment expenses	49,462,792	49,784,725
Unearned premiums	15,900,191	16,030,234
Advance premium and premium deposits	613,233	756,190
Income taxes payable	8,800	0
Accrued expenses and other liabilities	2,681,767	3,040,312
Total Liabilities	68,666,783	69,611,461
Common stock, no par, authorized 10,000,000 shares; issued and outstanding shares 5,341,147 at March 31, 2013, and 5,341,147 at December 31, 2012	3,691,396	3,685,620
Accumulated other comprehensive income	73,500	121,302
Retained earnings	66,597,979	66,589,643
Total Stockholders' Equity	70,362,875	70,396,565
Total Liabilities and Stockholders' Equity	$ 139,029,658	$ 140,008,026