Consolidated Statements of Cash Flows (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
OPERATING ACTIVITIES
Net income	$ 20,342,000	$ 9,705,000	$ 8,088,000
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	697,000	684,000	719,000
Accretion (Amortization) of Discounts and Premiums, Investments	1,323,000	576,000	499,000
Gain (Loss) on Sale of Securities, Net	129,000	(2,160,000)	(158,000)
Marketable Securities, Realized Loss, Other than Temporary Impairments, Amount	0	0	31,000
Provision for uncollectible premiums/over and short	59,000	37,000	23,000
Deferred income taxes, net	1,150,000	(661,000)	(600,000)
Share-based Compensation	133,000	55,000	0
Changes in operating assets and liabilities:
Accrued investment income	(992,000)	226,000	(572,000)
Premiums receivable	(8,981,000)	(5,986,000)	(3,403,000)
Reinsurance recoverable on paid and unpaid losses	(154,000)	2,186,000	22,846,000
Prepaid reinsurance premiums	(5,352,000)	(8,948,000)	(2,660,000)
Deferred policy acquisition costs, net	(8,208,000)	(4,654,000)	(2,982,000)
Other assets	(1,972,000)	1,035,000	371,000
Unpaid losses and loss adjustment expenses	11,759,000	2,092,000	(13,814,000)
Unearned premiums	64,644,000	28,655,000	22,969,000
Reinsurance payable	13,420,000	9,492,000	1,589,000
Other liabilities	19,769,000	1,978,000	5,703,000
Net cash provided by operating activities	107,766,000	34,312,000	38,649,000
INVESTING ACTIVITIES
Proceeds from sales and maturities of investments available for sale	102,210,000	52,640,000	36,594,000
Purchases of investments available for sale	(244,514,000)	(78,534,000)	(102,464,000)
Payments to Acquire Notes Receivable	0	0	(2,250,000)
Payments to Acquire Property, Plant, and Equipment	(288,000)	0	(20,000)
Cost of capitalized software acquired	(1,562,000)	0	(15,000)
Net cash used in investing activities	(144,154,000)	(25,894,000)	(68,155,000)
FINANCING ACTIVITIES
Repayments of borrowings	(1,176,000)	(1,177,000)	(1,176,000)
Repurchases of common stock	0	0	(431,000)
Dividends	(1,944,000)	(982,000)	(518,000)
Bank overdrafts	(400,000)	(640,000)	1,626,000
Proceeds from Issuance of Common Stock	3,591,000	23,947,000	0
Net cash provided by (used in) financing activities	71,000	21,148,000	(499,000)
Increase (decrease) in cash	(36,317,000)	29,566,000	(30,005,000)
Cash and cash equivalents at beginning of period	71,205,000	41,639,000	71,644,000
Cash and cash equivalents at end of period	34,888,000	71,205,000	41,639,000
Supplemental Cash Flows Information
Interest paid	341,000	311,000	553,000
Income taxes paid	$ 9,867,000	$ 6,753,000	$ 4,360,000