Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Mar. 31, 2013	Dec. 31, 2012
Investments available for sale, at fair value:
Fixed maturities (amortized cost of $185,173 and $145,089, respectively)	$ 189,267	$ 149,157
Equity securities (adjusted cost of $3,457 and $2,537, respectively)	3,999	2,723
Other Long-term Investments	300	300
Total investments	193,566	152,180
Cash and cash equivalents	64,906	71,205
Accrued investment income	868	760
Premiums receivable, net of allowances for credit losses of $30 and $24, respectively	19,428	17,154
Reinsurance recoverable on paid and unpaid losses	2,660	2,272
Prepaid reinsurance premiums	24,080	49,916
Deferred policy acquisition costs	18,480	16,978
Other assets	3,795	3,149
Total Assets	327,783	313,614
Liabilities:
Unpaid losses and loss adjustment expenses	37,584	35,692
Unearned premiums	146,655	128,785
Reinsurance payable	669	26,063
Other liabilities	31,585	19,206
Notes payable	15,588	15,882
Total Liabilities	232,081	225,628
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; 16,410,922 and 15,660,922 issued; 16,198,839 and 15,448,839 outstanding for 2013 and 2012, respectively	2	2
Additional paid-in capital	27,695	24,076
Treasury shares, at cost; 212,083 shares	(431)	(431)
Accumulated other comprehensive income	2,845	2,613
Retained earnings	65,591	61,726
Total Stockholders' Equity	95,702	87,986
Total Liabilities and Stockholders' Equity	$ 327,783	$ 313,614