Consolidated Statements of Cash Flows (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Cash Flows from Operating Activities:
Net Income	$ 603,668	$ 1,953,728	$ 3,739,876
Depreciation and amortization	307,237	139,293	59,483
Bond amortization, net	4,067	78,468	153,604
Non-cash based compensation	23,104	23,104	30,676
Tax benefit from disqualified incentive stock options	0	(16,274)	(2,724)
Premium, notes and investment income receivable	738,304	84,070	(929,229)
Reinsurance recoverable	2,277,275	1,145,620	3,830,227
Deferred policy acquisition costs	149,591	372,928	142,405
Other assets	(1,033,665)	(122,168)	160,847
Unpaid losses and loss adjustment expenses	(5,907,896)	(4,702,118)	(7,072,852)
Unearned premium	(769,452)	117,958	(17,672)
Advance premium and premium deposits	(291,362)	(61,816)	(11,740)
Accrued expenses and other liabilities	(685,818)	(269,293)	(1,258,818)
Income taxes current/deferred	476,643	42,341	102,817
Net Cash Used by Operating Activities	(4,108,304)	(1,214,159)	(1,073,100)
Investing Activities
Purchase of fixed maturity investments	(9,394,419)	(1,700,000)	(14,794,000)
Proceeds from maturity of fixed maturity investments	30,890,000	58,080,000	48,038,998
Net (increase) in short-term investments	(7,551,068)	(48,116,780)	(31,673,820)
Acquisition of land and building	(9,000,000)	0	0
(Additions) to property and equipment	(620,327)	(765,362)	(91,607)
Net Cash Provided by Investing Activities	4,324,186	7,497,858	1,479,571
Financing Activities
Repurchase of common stock	0	(243,469)	(10,959)
Dividends paid to shareholders	0	(6,409,445)
Proceeds from issuance of common stock	0	46,360	23,641
Tax benefit from disqualified incentive stock options	0	16,274	2,724
Net Cash Provided (Used) by Financing Activities	0	(6,590,280)	15,406
Net increase in cash	215,882	(306,581)	421,877
Cash at beginning of period	160,506	467,087
Cash at End of Period	376,388	160,506	467,087
Cash paid during the period for:
Interest		0	0
Income taxes	158,953	858,949	1,908,982
Supplemental Schedule on Non-Cash Investing Activities
(Write-offs) acquisition of fixed assets	$ 0	$ 0	$ (1,602,133)