Deferred Tax Assets And Liabilities (Details) (USD $) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Deferred tax assets
Discounting of loss reserves	$ 871,495	$ 1,241,447
Net unearned premium	1,056,093	1,104,384
Unearned Commission	369,882	388,624
Unearned policy fees	344,176	365,007
State income taxes	953,595	771,172
Bad debt reserve	401,856	430,944
Other deferred tax assets	184,333	108,761
Total deferred tax assets	4,181,430	4,410,339
Valuation allowance	649,292	223,423
Deferred tax assets net of valuation allowance	3,532,138	4,186,916
Deferred tax liabilities
Policy acquisition costs	1,525,962	1,588,442
Unrealized gains on investments	(2,977)	62,489
State tax on undistributed insurance company earnings	357,669	337,112
Federal tax liability on state deferred tax assets	181,210	272,514
Depreciation	97,114	32,430
Total deferred tax liabilities	2,158,978	2,292,987
Net deferred tax assets	$ 1,373,160	$ 1,893,929