Consolidated Statements of Cash Flows (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2010	Dec. 31, 2009
OPERATING ACTIVITIES
Net income (loss)	$ 8,088	$ (925)	$ 4,057
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	1,218	1,106	1,188
Net realized gains	(158)	(4,346)	(1,837)
Other-than-temporary impairments	31	97	1,878
Amortization of discount on notes payable	0	159	419
Loss on extinguishment of debt	0	726	0
Provision for uncollectible premiums	23	42	83
Deferred income taxes, net	(600)	352	1,255
Stock-based compensation	0	0	75
Changes in operating assets and liabilities:
Accrued investment income	(572)	705	273
Premiums receivable	(3,403)	(323)	2,589
Reinsurance recoverable on paid and unpaid losses	22,846	(1,827)	(2,873)
Prepaid reinsurance premiums	(2,660)	1,978	(13,767)
Deferred policy acquisition costs, net	(2,982)	(86)	958
Other assets	371	(398)	(3,047)
Unpaid losses and loss adjustment expenses	(13,814)	3,302	4,014
Unearned premiums	22,969	3,330	(553)
Reinsurance payable	1,589	(13,180)	11,468
Other liabilities	5,703	1,345	267
Net cash provided by (used in) operating activities	38,649	(7,943)	6,447
INVESTING ACTIVITIES
Proceeds from sales and maturities of investments available for sale	36,594	160,648	81,931
Purchases of investments available for sale	(102,464)	(80,343)	(85,124)
Purchase of note receivable	(2,250)	0	0
Cost of property and equipment acquired	(20)	(73)	(108)
Cost of capitalized software acquired	(15)	(311)	(206)
Net cash provided by (used in) investing activities	(68,155)	79,921	(3,507)
FINANCING ACTIVITIES
Repayments of borrowings	(1,176)	(24,078)	(294)
Repurchases of common stock	(431)	0	0
Dividends	(518)	(529)	(1,586)
Bank overdrafts	1,626	(2,813)	(3,468)
Net cash used in financing activities	(499)	(27,420)	(5,348)
Increase (decrease) in cash	(30,005)	44,558	(2,408)
Cash and cash equivalents at beginning of period	71,644	27,086	29,494
Cash and cash equivalents at end of period	41,639	71,644	27,086
Supplemental Cash Flows Information
Interest paid	553	2,298	2,592
Income taxes paid	$ 4,360	$ 0	$ 3,987