Consolidated Balance Sheets (USD $)	Dec. 31, 2011	Dec. 31, 2010
Assets
Fixed-maturity securities, held to maturity, at amortized cost (fair value of $777,953 at December 31, 2011 and $606,398 at December 31, 2010)	$ 606,234	$ 605,424
Fixed-maturity securities, available for sale, at fair value (amortized cost of $22,215,191 at December 31, 2011 and $16,277,052 at December 31, 2010)	22,568,932	16,339,101
Equity securities, available-for-sale, at fair value (cost of $3,857,741 at December 31, 2011 and $2,825,015 at December 31, 2010)	4,065,210	2,983,035
Total investments	27,240,376	19,927,560
Cash and cash equivalents	173,126	326,620
Premiums receivable, net of provision for uncollectible amounts	5,779,085	5,001,886
Receivables - reinsurance contracts	1,734,535	1,174,729
Reinsurance receivables, net of provision for uncollectible amounts	23,880,814	20,720,194
Notes receivable-sale of business	393,511	705,019
Deferred acquisition costs	4,535,773	3,619,001
Intangible assets, net	3,660,672	4,136,386
Property and equipment, net of accumulated depreciation	1,646,341	1,585,029
Other assets	660,672	1,486,249
Total assets	69,704,905	58,682,673
Liabilities
Loss and loss adjustment expenses	18,480,717	17,711,907
Unearned premiums	21,283,160	17,277,332
Advance premiums	544,791	410,574
Reinsurance balances payable	2,761,828	1,106,897
Deferred ceding commission revenue	3,982,399	3,219,513
Notes payable and capital lease obligations (includes payable to related parties of $378,000 at December 31, 2011 and $785,000 at December 31, 2010)	1,047,000	1,460,997
Accounts payable, accrued expenses and other liabilities	4,419,623	2,553,031
Income taxes payable	85,393
Deferred income taxes	1,789,439	1,998,557
Total liabilities	54,394,350	45,738,808
Commitments and Contingencies
Stockholders' Equity
Common stock, $.01 par value; authorized 10,000,000 shares; issued 4,643,122 shares; outstanding 3,759,900 shares at December 31, 2011 and 3,838,386 shares at December 31, 2010	46,432	46,432
Preferred stock, $.01 par value; authorized 1,000,000 shares; 0 shares issued and outstanding
Capital in excess of par	13,739,792	13,633,913
Accumulated other comprehensive income	370,399	145,247
Retained earnings	2,554,349	281,531
Total	16,710,972	14,107,123
Treasury stock, at cost, 883,222 shares at December 31, 2011 and 804,736 shares at December 31, 2010	(1,400,417)	(1,163,258)
Total stockholders' equity	15,310,555	12,943,865
Total liabilities and stockholders' equity	$ 69,704,905	$ 58,682,673