Consolidated Balance Sheets (USD $)	Dec. 31, 2012	Dec. 31, 2011
Assets
Fixed-maturity securities, held to maturity, at amortized cost (fair value of $779,026 at December 31, 2012 and $777,953 at December 31, 2011)	$ 606,281	$ 606,234
Fixed-maturity securities, available for sale, at fair value (amortized cost of $24,847,097 at December 31, 2012 and $22,215,191 at December 31, 2011)	26,181,938	22,568,932
Equity securities, available-for-sale, at fair value (cost of $5,073,977 at December 31, 2012 and $3,857,741 at December 31, 2011)	5,290,242	4,065,210
Total investments	32,078,461	27,240,376
Cash and cash equivalents	2,240,012	173,126
Premiums receivable, net of provision for uncollectible amounts	7,766,825	5,779,085
Receivables - reinsurance contracts		1,734,535
Reinsurance receivables, net of provision for uncollectible amounts	38,902,782	23,880,814
Notes receivable-sale of business	323,141	393,511
Deferred acquisition costs	5,569,878	4,535,773
Intangible assets, net	3,184,958	3,660,672
Property and equipment, net of accumulated depreciation	1,868,422	1,646,341
Other assets	1,563,919	660,672
Total assets	93,498,398	69,704,905
Liabilities
Loss and loss adjustment expenses	30,485,532	18,480,717
Unearned premiums	26,012,363	21,283,160
Advance premiums	610,872	544,791
Reinsurance balances payable	1,820,527	2,761,828
Advance payments from catastrophe reinsurers	7,358,391
Deferred ceding commission revenue	4,877,030	3,982,399
Notes payable (includes payable to related parties of $378,000 at December 31, 2012 and December 31, 2011)	1,197,000	1,047,000
Accounts payable, accrued expenses and other liabilities	3,067,586	4,505,016
Deferred income taxes	1,787,281	1,789,439
Total liabilities	77,216,582	54,394,350
Stockholders' Equity
Preferred stock, $.01 par value; authorized 1,000,000 shares; -0- shares issued and outstanding
Common stock, $.01 par value; authorized 10,000,000 shares; issued 4,730,357 shares at December 31, 2012 and 4,643,122 shares at December 31, 2011; outstanding 3,840,899 shares at December 31, 2012 and 3,759,900 shares at December 31, 2011	47,304	46,432
Capital in excess of par	13,851,036	13,739,792
Accumulated other comprehensive income	1,023,729	370,399
Retained earnings	2,787,292	2,554,349
Total	17,709,361	16,710,972
Treasury stock, at cost, 889,458 shares at December 31, 2012 and 883,222 shares	(1,427,545)	(1,400,417)
Total stockholders' equity	16,281,816	15,310,555
Total liabilities and stockholders' equity	$ 93,498,398	$ 69,704,905