Consolidated Statements of Operations (Unaudited) - USD ($)		3 Months Ended
		Mar. 31, 2024	Mar. 31, 2023
Revenue and Other Income
Gross earned premiums		$ 34,232,000	$ 34,294,000
Ceded earned premiums		(17,345,000)	(12,342,000)
Net earned premiums		16,887,000	21,952,000
Net investment income		1,552,000	1,307,000
Net realized investment gains (losses)		0	0
Change in fair value of equity securities		43,000	694,000
Other gains (losses)		0	0
Agency commission income		4,336,000	430,000
Other income		260,000	196,000
Total revenue and other income		23,078,000	24,579,000
Expenses
Losses and loss adjustment expenses, net		10,520,000	13,713,000
Policy acquisition costs		7,013,000	4,721,000
Operating expenses		4,495,000	4,279,000
Interest expense		877,000	686,000
Total expenses		22,905,000	23,399,000
Income (loss) before equity earnings in Affiliate and income taxes		173,000	1,180,000
Equity earnings (loss) in Affiliate, net of tax		58,000	(179,000)
Income tax expense (benefit)		0	0
Net income (loss)		231,000	1,001,000
Preferred stock dividends		157,000	0
Net income (loss) allocable to common shareholders		$ 74,000	$ 1,001,000
Earnings (loss) per common share, basic		$ 0.01	$ 0.08
Earnings (loss) per common share, diluted		$ 0.01	$ 0.08
Weighted average common shares outstanding, basic	[1]	12,222,881	12,215,849
Weighted average common shares outstanding, diluted	[1]	12,222,881	12,215,849

[1] The non-vested shares of the restricted stock units and stock options were anti-dilutive as of March 31, 2023. Therefore, the basic and diluted weighted average common shares are equal for the three months ended March 31, 2024 and March 31, 2023.