Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Sep. 30, 2012	Dec. 31, 2011
Investments available for sale, at fair value:
Fixed maturities (amortized cost of $118,256 and $116,863, respectively)	$ 124,457	$ 120,378
Equity securities (adjusted cost of $3,245 and $3,284, respectively)	3,742	3,581
Other long-term investments	300	300
Total investments	128,499	124,259
Cash and cash equivalents	90,892	41,639
Accrued investment income	800	986
Premiums receivable, net of allowances for credit losses of $93 and $77, respectively	17,405	11,205
Reinsurance recoverable on paid and unpaid losses	3,013	4,458
Prepaid reinsurance premiums	77,774	40,968
Deferred policy acquisition costs	16,952	12,324
Other assets	1,560	4,376
Total Assets	336,895	240,215
Liabilities:
Unpaid losses and loss adjustment expenses	35,801	33,600
Unearned premiums	131,832	100,130
Reinsurance payable	72,679	16,571
Other liabilities	15,414	17,866
Notes payable	16,176	17,059
Total Liabilities	271,902	185,226
Commitments and contingencies (Note 7)
Stockholders' Equity:
Preferred stock, $0.0001 par value; 1,000,000 shares authorized; none issued or outstanding	0	0
Common stock, $0.0001 par value; 50,000,000 shares authorized; 10,660,922 and 10,573,932 issued; 10,448,839 and 10,361,849 outstanding for 2012 and 2011, respectively	1	1
Additional paid-in capital	102	75
Treasury shares, at cost; 212,083 shares	(431)	(431)
Accumulated other comprehensive income	4,114	2,341
Retained earnings	61,207	53,003
Total Stockholders' Equity	64,993	54,989
Total Liabilities and Stockholders' Equity	$ 336,895	$ 240,215