Consolidated Statements of Income (USD $) In Thousands, except Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
REVENUE:
Gross premiums written	$ 254,909	$ 203,806	$ 158,637
Increase in gross unearned premiums	(28,655)	(22,969)	(3,330)
Gross premiums earned	226,254	180,837	155,307
Ceded premiums earned	(104,286)	(90,757)	(88,452)
Net premiums earned	121,968	90,080	66,855
Net investment income	3,083	2,823	3,879
Net realized gains	2,160	158	4,346
Other than Temporary Impairment Losses, Investments	0	(31)	(97)
Other revenue	4,023	3,388	5,008
Total revenue	131,234	96,418	79,991
EXPENSES:
Losses and loss adjustment expenses	58,409	38,861	42,533
Policy acquisition costs	36,877	29,054	24,899
Operating expenses	8,630	5,090	3,968
General and administrative expenses	11,734	9,674	7,506
Interest expense	355	548	1,767
Total expenses	116,005	83,227	80,673
Income before other income	15,229	13,191	(682)
Other income	485	(175)	(726)
Income before income taxes	15,714	13,016	(1,408)
Provision for income taxes	6,009	4,928	(483)
Net income	9,705	8,088	(925)
OTHER COMPREHENSIVE INCOME:
Change in net unrealized gain on investments	2,602	4,291	2,093
Reclassification adjustment for net realized investment gains	(2,160)	(158)	(4,346)
Other than Temporary Impairment Losses, Investments, Portion in Other Comprehensive Income (Loss), before Tax, Portion Attributable to Parent	0	(31)	(97)
Income tax expense related to items of other comprehensive income	(170)	(1,607)	832
Total comprehensive income	$ 9,977	$ 10,645	$ (2,249)
Weighted average shares outstanding
Basic	10,607,751	10,442,034	10,573,932
Diluted	10,655,524	10,442,034	10,573,932
Earnings per share
Basic	$ 0.91	$ 0.77	$ (0.09)
Diluted	$ 0.91	$ 0.77	$ (0.09)
Dividends declared per share	$ 0.08	$ 0.05	$ 0.05