Condensed Consolidated Balance Sheets (USD $)	Sep. 30, 2011	Dec. 31, 2010
Assets
Fixed-maturity securities, held to maturity, at amortized cost (fair value of $771,821 at September 30, 2011 and $606,398 at December 31, 2010)	$ 606,234	$ 605,424
Fixed-maturity securities, available for sale, at fair value (amortized cost of $17,588,998 at September 30, 2011 and $16,277,052 at December 31, 2010)	17,951,642	16,339,101
Equity securities, available-for-sale, at fair value (cost of $4,119,319 at September 30, 2011 and $2,825,015 at December 31, 2010)	4,143,257	2,983,035
Total investments	22,701,133	19,927,560
Cash and cash equivalents	3,031,068	326,620
Premiums receivable, net of provision for uncollectible amounts	6,038,333	5,001,886
Receivables - reinsurance contracts	685,316	1,174,729
Reinsurance receivables, net of provision for uncollectible amounts	25,643,556	20,720,194
Notes receivable-sale of business	400,417	705,019
Deferred acquisition costs	4,415,056	3,619,001
Intangible assets, net	3,779,600	4,136,386
Property and equipment, net of accumulated depreciation	1,633,152	1,585,029
Other assets	625,444	1,486,249
Total assets	68,953,075	58,682,673
Liabilities
Loss and loss adjustment expenses	21,373,562	17,711,907
Unearned premiums	21,101,548	17,277,332
Advance premiums	637,357	410,574
Reinsurance balances payable	2,922,815	1,106,897
Deferred ceding commission revenue	3,857,820	3,219,513
Notes payable and capital lease obligations (includes payable to related parties of $378,000 at September 30, 2011 and $785,000 at December 31, 2010)	747,000	1,460,997
Accounts payable, accrued expenses and other liabilities	2,321,323	2,553,031
Income taxes payable	194,621	0
Deferred income taxes	1,652,724	1,998,557
Total liabilities	54,808,770	45,738,808
Common stock, $.01 par value; authorized 10,000,000 shares; issued 4,643,122 shares; outstanding 3,838,386 shares	46,432	46,432
Preferred stock, $.01 par value; authorized 1,000,000 shares; -0- shares issued and outstanding	0	0
Capital in excess of par	13,719,484	13,633,913
Accumulated other comprehensive income	255,145	145,247
Retained earnings	1,286,502	281,531
Total	15,307,563	14,107,123
Treasury stock, at cost, 804,736 shares	(1,163,258)	(1,163,258)
Total stockholders' equity	14,144,305	12,943,865
Total liabilities and stockholders' equity	$ 68,953,075	$ 58,682,673