Long-Term Debt	9 Months Ended
Sep. 30, 2012
Debt Disclosure [Abstract]
Long-term Debt	LONG-TERM DEBT Our long-term debt at September 30, 2012, consisted of a note payable to the Florida State Board of Administration. At September 30, 2012, and December 31, 2011, we owed $16,176,000 and $17,059,000, respectively, on the note and the interest rate was 1.60% and 1.99%, respectively. All other terms and conditions of the note remain as described in our 2011 Form 10-K. The $16,176,000 note payable to Florida's State Board of Administration (SBA note) requires UPC to maintain surplus as regards policyholders at or above a calculated level, which was $37,127,000 at September 30, 2012. We monitor UPC's surplus as regards policyholders each quarter and, for various reasons, we occasionally provide additional capital to UPC. During the nine-month periods ended September 30, 2012 and 2011, we did not contribute any capital to UPC. We currently do not foresee a need for any material contributions of capital to UPC; however, any future contributions of capital will depend on circumstances at the time. Our SBA note requires that we maintain a 2:1 ratio of net written premium to surplus, or net writing ratio, (the SBA note agreement defines surplus for the purpose of calculating the required ratios as the $20,000,000 of capital contributed to UPC under the agreement plus the outstanding balance of the note) or a 6:1 ratio of gross written premium to surplus, or gross writing ratio, to avoid additional interest penalties. At September 30, 2012, our net written premium to surplus ratio was 2.95:1, which is well above the 2:1 required ratio. Our gross written premium to surplus ratio was 6.1:1, which meets the required ratio of 6:1. Should we fail to exceed either a net writing ratio of 1.5:1 or a gross writing ratio of 4.5:1, our interest rate will increase by 450 basis points above the 10-year Constant Maturity Treasury rate which was 1.68% at the end of September. Any other writing ratio deficiencies result in an interest rate penalty of 25 basis points above the stated rate of the note, which is 1.60%. Our SBA note further provides that the SBA may, among other things, declare its loan immediately due and payable for all defaults existing under the SBA note; however, any payment is subject to approval by the insurance regulatory authority. At September 30, 2012, we were in compliance with the covenants of the SBA note. At September 30, 2012, and during the three and nine months then ended, we complied with all covenants as specified in the SBA note. During the first quarter of 2011, we paid $11,000 of additional interest as a result of violating the writing ratio covenant during the fourth quarter of 2010.

LONG-TERM DEBT

Our long-term debt at September 30, 2012, consisted of a note payable to the Florida State Board of Administration. At September 30, 2012, and December 31, 2011, we owed $16,176,000 and $17,059,000, respectively, on the note and the interest rate was 1.60% and 1.99%, respectively. All other terms and conditions of the note remain as described in our 2011 Form 10-K.

The $16,176,000 note payable to Florida's State Board of Administration (SBA note) requires UPC to maintain surplus as regards policyholders at or above a calculated level, which was $37,127,000 at September 30, 2012. We monitor UPC's surplus as regards policyholders each quarter and, for various reasons, we occasionally provide additional capital to UPC. During the nine-month periods ended September 30, 2012 and 2011, we did not contribute any capital to UPC. We currently do not foresee a need for any material contributions of capital to UPC; however, any future contributions of capital will depend on circumstances at the time.

Our SBA note requires that we maintain a 2:1 ratio of net written premium to surplus, or net writing ratio, (the SBA note agreement defines surplus for the purpose of calculating the required ratios as the $20,000,000 of capital contributed to UPC under the agreement plus the outstanding balance of the note) or a 6:1 ratio of gross written premium to surplus, or gross writing ratio, to avoid additional interest penalties. At September 30, 2012, our net written premium to surplus ratio was 2.95:1, which is well above the 2:1 required ratio. Our gross written premium to surplus ratio was 6.1:1, which meets the required ratio of 6:1. Should we fail to exceed either a net writing ratio of 1.5:1 or a gross writing ratio of 4.5:1, our interest rate will increase by 450 basis points above the 10-year Constant Maturity Treasury rate which was 1.68% at the end of September. Any other writing ratio deficiencies result in an interest rate penalty of 25 basis points above the stated rate of the note, which is 1.60%. Our SBA note further provides that the SBA may, among other things, declare its loan immediately due and payable for all defaults existing under the SBA note; however, any payment is subject to approval by the insurance regulatory authority. At September 30, 2012, we were in compliance with the covenants of the SBA note.

At September 30, 2012, and during the three and nine months then ended, we complied with all covenants as specified in the SBA note. During the first quarter of 2011, we paid $11,000 of additional interest as a result of violating the writing ratio covenant during the fourth quarter of 2010.