ORGANIZATION AND BUSINESS (Details) (USD $)	12 Months Ended
	Dec. 31, 2012 Agent	Dec. 31, 2011
ORGANIZATION AND BUSINESS [Abstract]
Number of independent agents	3,000
Number of agents that actively sell and service the entity's products	900
Ratio of homeowners' premiums underwritten to total premiums underwritten (in hundredths)	85.30%	81.80%
Ratio of commercial general liability premiums underwritten to total premiums underwritten (in hundredths)	7.80%	10.30%
Ratio of federal flood premiums underwritten to total premiums underwritten (in hundredths)	4.40%	4.60%
Ratio of automobile insurance premiums underwritten to total premiums underwritten (in hundredths)	2.50%	3.30%
Fees earned per policy	$ 25
Percentage of gross written premium the managing general agency fees are traditionally (in hundredths)	6.00%
Percentage of gross written premiums the managing general agency fees minimum (in hundredths)	2.00%
Percentage of gross written premiums the managing general agency fees maximum (in hundredths)	4.00%
Maximum number of days from the policy inception MGA has the right to cancel any policy	90 days
Number of days notice to cancel any policy for MGA	25 days
Number of days after policy inception MGA has right to cancel any policy	90 days
Number of days of notice after policy inception MGA has the right to cancel any policy	95 days