Condensed Consolidated Statements of Comprehensive Income (Unaudited) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Revenues
Net premiums earned	$ 17,216,611	$ 14,868,746
Ceding commission revenue	9,690,155	10,624,714
Net investment income	1,015,156	754,630
Net realized gain on sale of investments	288,068	523,894
Other income	867,724	920,732
Total revenues	29,077,714	27,692,716
Expenses
Loss and loss adjustment expenses	11,234,713	8,571,058
Commission expense	7,246,245	6,230,564
Other underwriting expenses	7,848,870	7,372,878
Other operating expenses	1,000,308	1,203,002
Depreciation and amortization	596,347	602,704
Interest expense	81,616	120,876
Total expenses	28,008,099	24,101,082
Income from operations before taxes	1,069,615	3,591,634
Income tax expense	302,909	1,088,513
Net income	766,706	2,503,121
Gross unrealized investment holding gains arising during period	989,895	341,140
Income tax expense related to items of other comprehensive income	(336,565)	(115,988)
Comprehensive income	$ 1,420,036	$ 2,728,273
Earnings per common share:
Basic	$ 0.2	$ 0.65
Diluted	$ 0.2	$ 0.64
Weighted average common shares outstanding
Basic	3,806,697	3,837,190
Diluted	3,871,760	3,920,784
Dividends declared and paid per common share	$ 0.14	$ 0.06