Consolidated Balance Sheets (USD $)	Sep. 30, 2014	Dec. 31, 2013
Available for sale:
Fixed maturities, at fair value (amortized cost: September 30, 2014 $28,620,947; December 31, 2013 $11,944,563)	$ 28,624,703	$ 11,935,806
Short-term investments, at fair value	78,799,258	93,807,317
Total Investments	107,423,961	105,743,123
Cash	164,254	376,388
Accrued investment income	16,582	5,249
Receivables, net	5,791,095	5,156,717
Reinsurance Recoverable:
Paid losses and loss adjustment expenses	139,984	183,786
Unpaid losses and loss adjustment expenses	4,814,337	4,428,283
Deferred policy acquisition costs	3,855,629	3,636,003
Property and equipment (net of accumulated depreciation)	10,249,998	10,169,940
Deferred income taxes	1,483,822	1,373,160
Other assets	1,429,266	1,780,539
Total Assets	135,368,928	132,853,188
Unpaid losses and loss adjustment expenses	44,177,933	43,876,829
Unearned premiums	16,468,548	15,260,782
Advance premium and premium deposits	404,999	464,828
Income taxes payable	0	0
Accrued expenses and other liabilities	2,501,044	2,354,494
Total Liabilities	63,552,524	61,956,933
Common stock, no par, authorized 10,000,000 shares; issued and outstanding shares 5,341,147 at September 30, 2014 and 5,341,147 at December 31, 2013	3,726,052	3,708,724
Accumulated other comprehensive income	2,478	(5,780)
Retained earnings	68,087,874	67,193,311
Total Stockholders' Equity	71,816,404	70,896,255
Total Liabilities and Stockholders' Equity	$ 135,368,928	$ 132,853,188