Condensed Consolidated Statements of Comprehensive Income (Unaudited) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Revenues
Net premiums earned	$ 5,281,701	$ 3,937,189	$ 13,418,808	$ 10,822,137
Ceding commission revenue	2,711,431	2,307,390	8,525,945	7,347,832
Net investment income	242,159	172,039	739,555	510,173
Net realized gain on investments	65,986	196,574	111,546	357,006
Other income	218,723	228,615	680,469	693,188
Total revenues	8,520,000	6,841,807	23,476,323	19,730,336
Expenses
Loss and loss adjustment expenses	2,691,402	2,933,531	7,378,421	7,307,925
Commission expense	1,952,583	1,596,281	5,430,000	4,472,924
Other underwriting expenses	2,134,106	1,734,137	5,986,428	5,045,051
Other operating expenses	255,628	260,149	829,957	863,114
Depreciation and amortization	150,351	144,122	447,372	457,264
Interest expense	19,781	23,577	60,677	108,249
Total expenses	7,203,851	6,691,797	20,132,855	18,254,527
Income from operations before taxes	1,316,149	150,010	3,343,468	1,475,809
Income tax expense (benefit)	402,162	(69,559)	1,103,747	355,685
Net income	913,987	219,569	2,239,721	1,120,124
Gross unrealized investment holding gains arising during period	533,877	(166,793)	1,275,632	166,513
Income tax (expense) benefit related to items of other comprehensive income	(181,518)	56,710	(433,715)	(56,614)
Comprehensive income	$ 1,266,346	$ 109,486	$ 3,081,638	$ 1,230,023
Earnings per common share:
Basic	$ 0.24	$ 0.06	$ 0.59	$ 0.29
Diluted	$ 0.23	$ 0.06	$ 0.59	$ 0.29
Weighted average common shares outstanding
Basic	3,824,461	3,838,386	3,794,979	3,838,386
Diluted	3,936,167	3,913,036	3,884,172	3,838,386
Dividends declared and paid per common share	$ 0.04	$ 0.03	$ 0.1	$ 0.03