Consolidated Balance Sheets (USD $)	Jun. 30, 2013	Dec. 31, 2012
Available for sale:
Fixed maturities, at fair value (amortized cost: June 30, 2013 $23,894,139; December 31, 2012 $33,444,211)	$ 23,931,753	$ 33,628,002
Short-term investments, at fair value	94,620,487	86,256,249
Total Investments	118,552,240	119,884,251
Cash	87,724	160,506
Accrued investment income	113,214	155,678
Receivables, net	5,972,228	5,744,592
Reinsurance Recoverable:
Paid losses and loss adjustment expenses	13,799	305,201
Unpaid losses and loss adjustment expenses	5,075,407	6,584,143
Deferred policy acquisition costs	3,817,817	3,785,594
Property and equipment (net of accumulated depreciation)	1,175,081	856,850
Deferred income taxes	1,763,424	1,893,929
Other assets	875,227	637,282
Total Assets	137,446,161	140,008,026
Unpaid losses and loss adjustment expenses	47,677,912	49,784,725
Unearned premiums	16,207,244	16,030,234
Advance premium and premium deposits	576,864	756,190
Income taxes payable	0	0
Accrued expenses and other liabilities	2,413,958	3,040,312
Total Liabilities	66,875,978	69,611,461
Common stock, no par, authorized 10,000,000 shares; issued and outstanding shares 5,341,147 at June 30, 2013, and 5,341,147 at December 31, 2012	3,697,172	3,685,620
Accumulated other comprehensive income	24,825	121,302
Retained earnings	66,848,186	66,589,643
Total Stockholders' Equity	70,570,183	70,396,565
Total Liabilities and Stockholders' Equity	$ 137,446,161	$ 140,008,026