Consolidated Statements of Income (USD $) In Thousands, except Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2010	Dec. 31, 2009
REVENUE:
Gross premiums written	$ 203,806	$ 158,637	$ 155,840
Decrease (increase) in gross unearned premiums	(22,969)	(3,330)	553
Gross premiums earned	180,837	155,307	156,393
Ceded premiums earned	(90,757)	(88,452)	(78,212)
Net premiums earned	90,080	66,855	78,181
Net investment income	2,823	3,879	4,831
Net realized gains	158	4,346	1,837
Other-than-temporary impairments	(31)	(97)	(1,878)
Other revenue	3,388	5,008	5,498
Total revenue	96,418	79,991	88,469
EXPENSES:
Losses and loss adjustment expenses	38,861	42,533	40,755
Policy acquisition costs	29,054	24,899	25,960
Operating expenses	5,090	3,968	5,218
General and administrative expenses	9,674	7,506	7,032
Interest expense	548	1,767	3,177
Total expenses	83,227	80,673	82,142
Income (loss) before other expenses	13,191	(682)	6,327
Other expenses	175	726	0
Income (loss) before income taxes	13,016	(1,408)	6,327
Provision for (benefit from) income taxes	4,928	(483)	2,270
Net income (loss)	8,088	(925)	4,057
OTHER COMPREHENSIVE INCOME (LOSS):
Change in net unrealized gain on investments	4,291	2,093	4,152
Reclassification adjustmentfor net realized investment gains	(158)	(4,346)	(1,837)
Reclassification adjustment for other-than-temporary impairments	31	97	1,878
Income tax expense related to items of other comprehensive income	(1,607)	832	(1,595)
Total comprehensive income (loss)	$ 10,645	$ (2,249)	$ 6,655
Weighted average shares outstanding, basic	10,442,034	10,573,932	10,568,247
Weighted average shares outstanding, diluted	10,442,034	10,573,932	10,568,247
Earnings per share, basic	$ 0.77	$ (0.09)	$ 0.38
Earnings per share, diluted	$ 0.77	$ (0.09)	$ 0.38
Dividends declared per share	$ 0.05	$ 0.05	$ 0.15