Consolidated Statements of Cash Flows (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
OPERATING ACTIVITIES
Net income	$ 9,705	$ 8,088	$ (925)
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	1,260	1,218	1,106
Net realized gains	(2,160)	(158)	(4,346)
Marketable Securities, Realized Loss, Other than Temporary Impairments, Amount	0	31	97
Amortization of Debt Discount (Premium)	0	0	159
Gains (Losses) on Extinguishment of Debt	0	0	726
Provision for uncollectible premiums/over and short	37	23	42
Deferred income taxes, net	(661)	(600)	352
Share-based Compensation	55	0	0
Changes in operating assets and liabilities:
Accrued investment income	226	(572)	705
Premiums receivable	(5,986)	(3,403)	(323)
Reinsurance recoverable on paid and unpaid losses	2,186	22,846	(1,827)
Prepaid reinsurance premiums	(8,948)	(2,660)	1,978
Deferred policy acquisition costs, net	(4,654)	(2,982)	(86)
Other assets	1,035	371	(398)
Unpaid losses and loss adjustment expenses	2,092	(13,814)	3,302
Unearned premiums	28,655	22,969	3,330
Reinsurance payable	9,492	1,589	(13,180)
Other liabilities	1,978	5,703	1,345
Net cash provided by operating activities	34,312	38,649	(7,943)
INVESTING ACTIVITIES
Proceeds from sales and maturities of investments available for sale	52,640	36,594	160,648
Purchases of investments available for sale	(78,534)	(102,464)	(80,343)
Payments to Acquire Notes Receivable	0	(2,250)	0
Payments to Acquire Property, Plant, and Equipment	0	(20)	(73)
Cost of capitalized software acquired	0	(15)	(311)
Net cash used in investing activities	(25,894)	(68,155)	79,921
FINANCING ACTIVITIES
Repayments of borrowings	(1,177)	(1,176)	(24,078)
Repurchases of common stock	0	(431)	0
Dividends	(982)	(518)	(529)
Bank overdrafts	(640)	1,626	(2,813)
Proceeds from Issuance of Common Stock	23,947	0	0
Net cash provided by (used in) financing activities	21,148	(499)	(27,420)
Increase (decrease) in cash	29,566	(30,005)	44,558
Cash and cash equivalents at beginning of period	41,639	71,644	27,086
Cash and cash equivalents at end of period	71,205	41,639	71,644
Supplemental Cash Flows Information
Interest paid	311	553	2,298
Income taxes paid	$ 6,753	$ 4,360	$ 0