Consolidated Statements of Income (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
REVENUE:
Gross premiums written	$ 59,461	$ 44,266	$ 195,385	$ 160,337
Increase in gross unearned premiums	(903)	2,861	(31,702)	(28,585)
Gross premiums earned	58,558	47,127	163,683	131,752
Ceded premiums earned	(28,335)	(23,267)	(75,948)	(66,485)
Net premiums earned	30,223	23,860	87,735	65,267
Net investment income	807	807	2,331	2,041
Net realized gains	37	0	155	112
Other revenue	1,205	826	3,118	2,536
Total revenue	32,272	25,493	93,339	69,956
EXPENSES:
Losses and loss adjustment expenses	16,950	8,414	39,401	29,399
Policy acquisition costs	9,404	7,568	26,535	21,293
Operating expenses	1,670	1,146	4,860	3,946
General and administrative expenses	3,031	2,368	8,124	6,785
Interest expense	71	142	283	453
Total expenses	31,126	19,638	79,203	61,876
Income before other income	1,146	5,855	14,136	8,080
Other income	(1)	(23)	268	256
Income before income taxes	1,147	5,878	13,868	7,824
Provision for income taxes	164	2,228	5,146	2,961
Net income	983	3,650	8,722	4,863
OTHER COMPREHENSIVE INCOME:
Change in net unrealized gain on investments	1,442	2,441	3,042	3,470
Reclassification adjustment for net realized investment gains	(37)		(155)	(112)
Income tax expense related to items of other comprehensive income	(542)	(941)	(1,114)	(1,295)
Total comprehensive income	$ 1,846	$ 5,150	$ 10,495	$ 6,926
Weighted average shares outstanding
Basic	10,361,849	10,361,849	10,361,849	10,469,056
Diluted	10,448,839	10,361,849	10,396,455	10,469,056
Earnings per share
Basic	$ 0.09	$ 0.35	$ 0.84	$ 0.46
Diluted	$ 0.09	$ 0.35	$ 0.84	$ 0.46
Dividends declared per share	$ 0.00	$ 0.00	$ 0.05	$ 0.00