Consolidated Statements of Cash Flows (USD $) In Thousands, unless otherwise specified	6 Months Ended
	Jun. 30, 2012	Jun. 30, 2011
OPERATING ACTIVITIES
Net income	$ 7,739	$ 1,213
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	641	601
Net realized gains	(118)	(112)
Provision for uncollectible premiums/over and short	16	8
Deferred income taxes, net	323	(684)
Changes in operating assets and liabilities:
Accrued investment income	3	(515)
Premiums receivable	(6,749)	(7,028)
Reinsurance recoverable on paid and unpaid losses	988	7,376
Prepaid reinsurance premiums	(62,866)	(45,923)
Deferred policy acquisition costs, net	(4,455)	(4,290)
Other assets	(389)	(4,077)
Unpaid losses and loss adjustment expenses	(450)	(3,357)
Unearned premiums	30,799	31,446
Reinsurance payable	89,692	71,061
Other liabilities	(1,914)	3,856
Net cash provided by operating activities	53,260	49,575
INVESTING ACTIVITIES
Proceeds from sales and maturities of investments available for sale	25,527	21,271
Purchases of investments available for sale	(27,333)	(97,400)
Cost of capitalized software acquired	0	(15)
Net cash used in investing activities	(1,806)	(76,144)
FINANCING ACTIVITIES
Repayments of borrowings	(588)	(588)
Repurchases of common stock	0	(431)
Dividends	(518)	0
Bank overdrafts	143	2,904
Net cash provided by (used in) financing activities	(963)	1,885
Increase (decrease) in cash	50,491	(24,684)
Cash and cash equivalents at beginning of period	41,639	71,644
Cash and cash equivalents at end of period	92,130	46,960
Supplemental Cash Flows Information
Interest paid	175	322
Income taxes paid	$ 6,482	$ 1,580