Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)	6 Months Ended
	Jun. 30, 2012	Jun. 30, 2011
Cash flows (used in) provided by operating activities:
Net income	$ 1,325,734	$ 900,555
Adjustments to reconcile net income to net cash provided by operations:
Gain on sale of investments	(45,560)	(160,432)
Depreciation and amortization	297,021	313,142
Amortization of bond premium, net	66,998	123,001
Stock-based compensation	30,111	64,148
Deferred income tax (expense) benefit	(155,095)	(176,236)
(Increase) decrease in assets:
Premiums receivable, net	(1,172,197)	(1,237,243)
Receivables - reinsurance contracts	(1,689,224)	(1,728,174)
Reinsurance receivables, net	(2,285,592)	(2,323,212)
Deferred acquisition costs	(556,662)	(586,660)
Other assets	(348,303)	858,805
Increase (decrease) in liabilities:
Loss and loss adjustment expenses	2,317,377	793,460
Unearned premiums	2,649,487	2,912,817
Advance premiums	5,309	195,004
Reinsurance balances payable	795,091	1,897,771
Deferred ceding commission revenue	485,115	452,878
Accounts payable, accrued expenses and other liabilities	(1,255,201)	(272,411)
Net cash flows (used in) provided by operating activities	464,409	2,027,213
Cash flows provided by (used in) investing activities:
Purchase - fixed-maturity securities available for sale	(915,228)	(4,065,722)
Purchase - equity securities	(853,000)	(1,056,775)
Sale or maturity - fixed-maturity securities available for sale	1,837,698	2,079,869
Sale - equity securities	559,993	1,215,296
Collections of notes receivable and accrued interest - Sale of businesses	54,409	297,678
Other investing activities	(65,085)	(22,998)
Net cash flows provided by (used in) investing activities	618,787	(1,552,652)
Cash flows used in financing activities:
Proceeds from line of credit	50,000
Principal payments on line of credit	(100,000)
Principal payments on long-term debt		(713,997)
Proceeds from exercise of stock options	47,073
Withholdings taxes paid on cashless exercise of stock options	(56,630)
Tax benefit from exercise of stock options	63,988
Purchase of treasury stock	(8,200)
Dividends paid	(226,829)
Net cash flows used in financing activities	(230,598)	(713,997)
Increase in cash and cash equivalents	852,598	(239,436)
Cash and cash equivalents, beginning of period	173,126	326,620
Cash and cash equivalents, end of period	1,025,724	87,184
Supplemental disclosures of cash flow information:
Cash paid for income taxes	1,505,000	329,762
Cash paid for interest	$ 41,202	$ 125,994