2. Accounting Policies and Basis of Presentation (Tables)

12 Months Ended

Dec. 31, 2012

Notes to Financial Statements

Schedule of Concentration Risk

Direct premiums earned from lines of business that subject the Company to concentration risk for the years ended December 31, 2012 and 2011 are as follows:

	Years ended December 31,
	2012			2011
Personal Lines		68.4	%		65.9	%
Commercial Lines		16.2	%		14.2	%
Commercial Automobile		11.6	%		15.6	%
Total premiums earned subject to concentration		96.2	%		95.7	%
Premiums earned not subject to concentration		3.8	%		4.3	%
Total premiums earned		100.0	%		100.0	%