Deferred Tax Assets And Liabilities (Details) (USD $) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Deferred tax assets
Discounting of loss reserves	$ 660,930	$ 807,148
Net unearned premium	1,248,509	1,158,568
Unearned Commission	438,337	402,566
Unearned policy fees	359,775	355,000
State income taxes	1,384,171	1,133,946
Bad debt reserve	507,778	508,206
Other deferred tax assets	307,406	310,774
Total deferred tax assets	4,906,906	4,676,208
Valuation allowance	1,159,090	853,334
Deferred tax assets net of valuation allowance	3,747,816	3,822,874
Deferred tax liabilities
Policy acquisition costs	1,774,284	1,627,280
Unrealized gains (losses) on investments	(14,088)	1,851
State tax on undistributed insurance company earnings	357,975	374,258
Federal tax liability on state deferred tax assets	174,514	189,771
Depreciation	121,044	111,180
Total deferred tax liabilities	2,413,729	2,304,340
Net deferred tax assets	$ 1,334,087	$ 1,518,534