Consolidated Statements of Cash Flows (USD $) In Thousands	9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
OPERATING ACTIVITIES
Net income (loss)	$ 4,863	$ (3,820)
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	911	813
Net realized gains (losses)	112	234
Amortization of discount on notes payable	0	159
Loss on extinguishment of debt	0	726
Provision for uncollectible premiums	18	28
Deferred income taxes, net	(921)	(1,840)
Changes in operating assets and liabilities:
Accrued investment income	(490)	101
Premiums receivable	(4,203)	(960)
Reinsurance recoverable on paid and unpaid losses	20,661	(6,202)
Prepaid reinsurance premiums	(24,845)	(19,205)
Deferred policy acquisition costs, net	(3,746)	(1,186)
Other assets	(1,470)	(2,301)
Unpaid losses and loss adjustment expenses	(7,557)	3,842
Unearned premiums	28,585	11,472
Reinsurance payable	40,683	25,292
Other liabilities	2,377	2,081
Net cash provided by operating activities	54,754	8,766
INVESTING ACTIVITIES
Proceeds from sales and maturities of investments available for sale	24,285	88,732
Purchases of investments available for sale	(102,463)	(58,768)
Cost of property and equipment acquired	0	(73)
Cost of capitalized software acquired	(15)	(295)
Net cash provided by (used in) investing activities	(78,193)	29,596
FINANCING ACTIVITIES
Repayments of borrowings	(882)	(23,783)
Repurchases of common stock	(431)	0
Dividends	0	(529)
Bank overdrafts	2,811	(2,813)
Net cash used in financing activities	1,498	(27,125)
Decrease in cash	(21,941)	11,237
Cash and cash equivalents at beginning of period	71,644	27,086
Cash and cash equivalents at end of period	49,703	38,323
Supplemental Cash Flows Information
Interest paid	464	2,001
Income taxes paid	$ 1,580	$ 0