Accrued Expenses and Other Liabilites (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Accrued Expenses And Other Liabilites Details
Premium payable	$ 462,472	$ 605,353
Unearned contingent commission on reinsurance treaties	60,747	366,080
Unearned policy fee income	803,397	852,023
Retirement Plan Contributions Payable	275,250	300,000
Salaries and employee beneifits payable	455,997	449,168
Commission payable	91,301	174,613
Other	205,330	293,075
Accrued expenses and other liabilities	$ 2,354,494	$ 3,040,312