Condensed Consolidated Statements of Cash Flows (USD $)	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2010
Cash flows provided by (used in) operating activities:
Net income	$ 2,503,121	$ 983,137
Adjustments to reconcile net income to net cash provided by operations:
Gain on sale of investments	(523,894)	(349,415)
Depreciation and amortization	602,704	615,277
Amortization of bond premium, net	150,061	76,591
Stock-based compensation	105,879	348,860
Deferred income tax (expense) benefit	(325,106)	724,794
(Increase) decrease in assets:
Short term investments		225,336
Premiums receivable, net	(777,199)	(522,523)
Receivables - reinsurance contracts	(559,806)	(610,321)
Reinsurance receivables, net	(3,160,620)	129,427
Deferred acquisition costs	(916,772)	(701,017)
Other assets	876,464	(912,919)
Increase (decrease) in liabilities:
Loss and loss adjustment expenses	768,810	1,198,589
Unearned premiums	4,005,828	3,189,145
Advance premiums	134,217	(1,102)
Reinsurance balances payable	1,654,931	(811,272)
Deferred ceding commission revenue	762,886	(78,732)
Accounts payable, accrued expenses and other liabilities	1,951,985	106,473
Net cash provided by (used in) operating activities of continuing operations	7,253,489	3,610,328
Operating activities of discontinued operations		111,000
Net cash flows provided by operating activities	7,253,489	3,721,328
Cash flows used in investing activities:
Purchase - fixed-maturity securities held to maturity		(605,424)
Purchase - fixed-maturity securities available for sale	(9,483,472)	(7,073,124)
Purchase - equity securities	(3,602,345)	(2,740,799)
Sale or maturity - fixed-maturity securities available for sale	3,532,245	3,575,293
Sale - equity securities	2,771,631	2,099,897
Recovery of loss from failed bank	133,211
Collections of notes receivable and accrued interest - Sale of businesses	311,508	414,346
Other investing activities	(188,302)	(65,577)
Net cash flows used in investing activities	(6,525,524)	(4,395,388)
Cash flows (used in) provided by financing activities:
Proceeds from line of credit	300,000
Proceeds from long term debt (includes $200,000 from related parties in 2010)		400,000
Principal payments on long-term debt (includes $407,000 to related parties in 2011)	(713,997)	(24,640)
Purchase of treasury stock	(237,159)
Dividends paid	(230,303)
Net cash flows (used in) provided by financing activities	(881,459)	375,360
Decrease in cash and cash equivalents	(153,494)	(298,700)
Cash and cash equivalents, beginning of period	326,620	625,320
Cash and cash equivalents, end of period	173,126	326,620
Supplemental disclosures of cash flow information:
Cash paid for income taxes	1,175,371	1,227,296
Cash paid for interest	172,964	138,833
Supplemental Schedule of Non-Cash Investing and Finacing Activities:
Mandatorily redeemable preferred stock exchanged for common stock		$ 1,299,231