10. Income Taxes (Details 1) (USD $)	Sep. 30, 2012	Dec. 31, 2011
Deferred tax asset:
Net operating loss carryovers (1)	$ 264,648	$ 276,312
Claims reserve discount	275,543	220,354
Unearned premium	735,723	647,596
Deferred ceding commission revenue	1,585,172	1,354,016
Other	13,721	4,583
Total deferred tax assets	2,874,807	2,502,861
Deferred tax liability:
Investment in KICO (2)	1,169,000	1,169,000
Deferred acquisition costs	1,835,200	1,542,163
Intangibles	1,123,321	1,244,628
Depreciation and amortization	136,117	133,411
Reinsurance recoverable	20,400	20,400
Net unrealized appreciation of securities - available for sale	601,891	172,155
Investment income		10,543
Total deferred tax liabilities	4,885,929	4,292,300
Net deferred income tax liability	$ (2,011,122)	$ (1,789,439)