Consolidated Balance Sheets - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Investments
Fixed maturities, at fair value (amortized cost: $82,202,727 at December 31, 2015, and $35,153,111 at December 31, 2014)	$ 82,161,291	$ 35,158,556
Short-term investments, at fair value	15,640,803	72,259,408
Available-for-sale:
Total Investments	97,802,094	107,417,964
Cash	334,495	309,162
Accrued investment income	85,915	42,895
Receiveable, net	5,505,361	5,170,313
Reinsurance Recoverable:
Paid losses and loss adjustment expenses	751,323	201,007
Unpaid losses and loss adjustment expenses	9,636,961	5,162,775
Deferred policy acquisition costs	4,233,396	3,882,825
Property and equipment (net)	10,220,720	10,510,306
Deferred income taxes	1,334,087	1,518,534
Other assets	10,266,083	1,799,788
Total Assets	140,170,435	136,015,569
LIABILITIES
Unpaid losses and loss adjustment expenses	49,093,571	44,396,558
Unearned premium	18,079,253	16,607,179
Advance premium and premium deposits	212,255	250,421
Accrued expenses and other liabilities	2,443,284	2,986,317
Total Liabilities	69,828,363	64,240,475
STOCKHOLDERS' EQUITY
Common stock, no par, authorized 10,000,000 shares; issued and outstanding shares 5,315,945 at December 31, 2015, and 5,341,147 at December 31, 2014	3,742,547	3,731,828
Accumulated other comprehensive income (loss)	(27,348)	3,594
Retained earnings	66,626,873	68,039,672
Total Stockholders Equity	70,342,072	71,775,094
Total Liabilities and Stockholders' Equity	$ 140,170,435	$ 136,015,569