Reinsurance - Effect Of Reinsurance (Details) - USD ($)	12 Months Ended
Dec. 31, 2019	Dec. 31, 2018
Premiums written
Direct written	$ 35,803,950	$ 32,429,735
Reinsurance assumed		0
Reinsurance ceded	(7,153,130)	(6,555,715)
Net written	28,650,820	25,874,020
Premiums earned
Direct earned	33,958,202	35,233,410
Reinsurance assumed premiums		0
Reinsurance ceded premiums	(7,220,734)	(6,478,500)
Net premium earned	26,737,468	28,754,910
Loss And Loss Adjustment Expenses
Direct incurred loss and loss adjustment expenses	36,712,252	30,169,562
Assumed loss and loss adjustment expenses		0
Ceded loss and loss adjustment expenses	(14,136,125)	(6,611,819)
Incurred losses and loss adjustment expenses	$ 22,576,127	$ 23,557,743
Percent of ceded earned premium to direct earned premium	21.00%	18.00%

Effect of reinsurance on loss and loss adjustment expenses

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