Consolidated Statements of Cash Flows - USD ($)	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Cash Flows from Operating Activities:
Net Income	$ (198,987)	$ (396,785)
Adjustments to reconcile net income to net cash from operations
Depreciation and amortization	115,283	117,451
Bond amortization, net	(4,284)	(4,279)
Non-cash stock based compensation	5,776	5,776
Changes in assets and liabilities:
Net receivables and accrued investment income	(276,363)	(335,417)
Reinsurance recoverable	(871,392)	184,015
Deferred policy acquisition costs	(87,944)	(175,651)
Other assets	(4,910,890)	203,669
Unpaid losses and loss adjustment expenses	917,713	(911,475)
Unearned premium	134,489	658,711
Advance premium and premium deposits	281,492	139,674
Accrued expenses and other liabilities	206,124	(20,024)
Income taxes current/deferred	(68,840)	(192,011)
Net Cash Provided (Used) by Operating Activities	(4,757,823)	(726,346)
Cash Flows from Investing Activities:
Purchase of fixed maturity investments	(200,000)	(10,145,037)
Proceeds from maturity of fixed maturity investments	1,046,000	749,000
Net decrease in short-term investments	4,351,412	10,147,992
Additions to property and equipment	(351,777)	(185,287)
Net Cash Provided (Used) by Investing Activities	4,845,635	566,668
Cash Flows from Financing Activities:
Repurchase of common stock	(89,582)	0
Net Cash Provided (Used) by Financing Activities	(89,582)	0
Net increase (decrease) in cash	(1,770)	(159,678)
Cash at beginning of period	334,495	309,162
Cash at End of Period	332,725	149,484
Cash paid during the period for:
Interest	0	0
Income taxes	$ 0	$ 0