Consolidated Statements of Cash Flows (USD $) In Thousands, unless otherwise specified	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
OPERATING ACTIVITIES
Net income	$ 8,722	$ 4,863
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	946	911
Net realized gains	(155)	(112)
Provision for uncollectible premiums/over and short	26	18
Deferred income taxes, net	190	(921)
Changes in operating assets and liabilities:
Accrued investment income	186	(490)
Premiums receivable	(6,226)	(4,203)
Reinsurance recoverable on paid and unpaid losses	1,445	20,661
Prepaid reinsurance premiums	(36,806)	(24,845)
Deferred policy acquisition costs, net	(4,628)	(3,746)
Other assets	993	(1,470)
Unpaid losses and loss adjustment expenses	2,201	(7,557)
Unearned premiums	31,702	28,585
Reinsurance payable	56,108	40,683
Other liabilities	(2,529)	2,377
Net cash provided by operating activities	52,175	54,754
INVESTING ACTIVITIES
Proceeds from sales and maturities of investments available for sale	28,793	24,285
Purchases of investments available for sale	(30,419)	(102,463)
Cost of capitalized software acquired	0	(15)
Net cash used in investing activities	(1,626)	(78,193)
FINANCING ACTIVITIES
Repayments of borrowings	(883)	(882)
Repurchases of common stock	0	(431)
Dividends	(518)	0
Bank overdrafts	105	2,811
Net cash provided by (used in) financing activities	(1,296)	1,498
Increase (decrease) in cash	49,253	(21,941)
Cash and cash equivalents at beginning of period	41,639	71,644
Cash and cash equivalents at end of period	90,892	49,703
Supplemental Cash Flows Information
Interest paid	242	464
Income taxes paid	$ 6,593	$ 1,580