Consolidated Statements of Cash Flows (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Cash Flows from Operating Activities:
Net Income	$ (109,823)	$ 1,402,740
Depreciation and amortization	161,427	91,129
Bond amortization, net	4,245	68,645
Non-cash stock based compensation	17,328	17,328
Net receivables and accrued investment income	62,386	(305,813)
Reinsurance recoverable	1,759,359	208,855
Deferred policy acquisition costs	(12,236)	230,288
Other assets	(1,028,841)	(778,822)
Unpaid losses and loss adjustment expenses	(2,908,265)	(3,457,765)
Unearned premium	(16,078)	678,163
Advance premium and premium deposits	(231,740)	112,054
Accrued expenses and other liabilities	(528,034)	(206,246)
Income taxes current/deferred	(154,528)	(56,944)
Net Cash Provided (Used) by Operating Activities	(2,984,800)	(1,996,388)
Investing Activities
Purchase of fixed maturity investments	(3,149,387)	(1,300,000)
Proceeds from maturity of fixed maturity investments	22,791,000	44,635,000
Net (increase) in short-term investments	(7,065,570)	(39,906,943)
Acquisition costs of land and building	(9,000,000)	0
Additions to property and equipment	(587,487)	(525,012)
Net Cash Provided (Used) by Investing Activities	2,988,556	2,903,045
Financing Activities
Proceeds from exercise of stock options	0	15,245
Repurchase and adjustment of common stock	0	(226,172)
Dividends paid to shareholders	0	(1,068,298)
Net Cash Provided (Used) by Financing Activities	0	(1,279,225)
Net increase (decrease) in cash	3,756	(372,568)
Cash at beginning of period	160,506	467,087
Cash at End of Period	164,262	94,519
Cash paid during the period for:
Interest	0	0
Income taxes	$ 158,953	$ 758,949