Consolidated Balance Sheets (USD $)	Sep. 30, 2013	Dec. 31, 2012
Available for sale:
Fixed maturities, at fair value (amortized cost: September 30, 2013 $13,798,353; December 31, 2012 $33,444,211)	$ 13,798,054	$ 33,628,002
Short-term investments, at fair value	93,321,820	86,256,249
Total Investments	107,119,874	119,884,251
Cash	164,262	160,506
Accrued investment income	10,272	155,678
Receivables, net	5,827,612	5,744,592
Reinsurance Recoverable:
Paid losses and loss adjustment expenses	92,737	305,201
Unpaid losses and loss adjustment expenses	5,037,248	6,584,143
Deferred policy acquisition costs	3,797,830	3,785,594
Property and equipment (net of accumulated depreciation)	10,282,910	856,850
Deferred income taxes	1,687,782	1,893,929
Other assets	2,089,389	637,282
Total Assets	136,109,916	140,008,026
Unpaid losses and loss adjustment expenses	46,876,460	49,784,725
Unearned premiums	16,014,156	16,030,234
Advance premium and premium deposits	524,450	756,190
Income taxes payable	0	0
Accrued expenses and other liabilities	2,512,278	3,040,312
Total Liabilities	65,927,344	69,611,461
Common stock, no par, authorized 10,000,000 shares; issued and outstanding shares 5,341,147 at September 30, 2013, and 5,341,147 at December 31, 2012	3,702,948	3,685,620
Accumulated other comprehensive income	(197)	121,302
Retained earnings	66,479,821	66,589,643
Total Stockholders' Equity	70,182,572	70,396,565
Total Liabilities and Stockholders' Equity	$ 136,109,916	$ 140,008,026