Condensed Consolidated Statements of Operations (Unaudited) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2012	Jun. 30, 2011	Jun. 30, 2012	Jun. 30, 2011
Revenues
Net premiums earned	$ 4,164,572	$ 3,517,249	$ 8,137,107	$ 6,884,948
Ceding commission revenue	2,910,858	2,727,867	5,814,514	5,040,442
Net investment income	229,879	160,464	497,396	338,134
Net realized gain on investments	6,160	89,961	45,560	160,432
Other income	222,691	217,101	461,746	464,573
Total revenues	7,534,160	6,712,642	14,956,323	12,888,529
Expenses
Loss and loss adjustment expenses	2,408,505	1,823,630	4,687,019	4,374,394
Commission expense	1,805,810	1,504,894	3,477,417	2,876,643
Other underwriting expenses	1,994,576	1,734,095	3,852,322	3,310,914
Other operating expenses	287,442	299,002	574,329	602,965
Depreciation and amortization	150,472	154,682	297,021	313,142
Interest expense	20,111	38,907	40,896	84,672
Total expenses	6,666,916	5,555,210	12,929,004	11,562,730
Income from operations before taxes	867,244	1,157,432	2,027,319	1,325,799
Income tax expense	306,928	383,501	701,585	425,244
Net income	560,316	773,931	1,325,734	900,555
Gross unrealized investment holding gains arising during period	294,590	301,456	741,755	333,306
Income tax expense related to items of other comprehensive income	(100,161)	(102,495)	(252,197)	(113,324)
Comprehensive income	$ 754,745	$ 972,892	$ 1,815,292	$ 1,120,537
Earnings per common share:
Basic	$ 0.15	$ 0.2	$ 0.35	$ 0.23
Diluted	$ 0.15	$ 0.2	$ 0.35	$ 0.23
Weighted average common shares outstanding
Basic	3,789,592	3,838,386	3,780,351	3,838,386
Diluted	3,883,779	3,918,763	3,780,351	3,921,289
Dividends declared and paid per common share	$ 0.03		$ 0.06