Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Cash flows provided by operating activities:
Net income	$ 766,706	$ 2,503,121
Adjustments to reconcile net income to net cash provided by operations:
Net realized gain on sale of investments	(288,068)	(523,894)
Depreciation and amortization	596,347	602,704
Amortization of bond premium, net	128,443	150,061
Stock-based compensation	48,277	105,879
Excess tax benefit from exercise of stock options	(160,016)
Deferred income tax expense	(338,723)	(325,106)
(Increase) decrease in assets:
Premiums receivable, net	(1,987,740)	(777,199)
Receivables - reinsurance contracts	1,734,535	(559,806)
Reinsurance receivables, net	(15,021,968)	(3,160,620)
Deferred acquisition costs	(1,034,105)	(916,772)
Other assets	(742,756)	876,464
Increase (decrease) in liabilities:
Loss and loss adjustment expenses	12,004,815	768,810
Unearned premiums	4,729,203	4,005,828
Advance premiums	66,081	134,217
Reinsurance balances payable	(941,301)	1,654,931
Advance payments from catastrophe reinsurers	7,358,391
Deferred ceding commission revenue	894,631	762,886
Accounts payable, accrued expenses and other liabilities	(1,437,430)	1,951,985
Net cash flows provided by operating activities	6,375,322	7,253,489
Cash flows used in investing activities:
Purchase - fixed-maturity securities available for sale	(6,902,429)	(9,483,472)
Purchase - equity securities	(2,835,076)	(3,602,345)
Sale or maturity - fixed-maturity securities available for sale	4,322,120	3,532,245
Sale - equity securities	1,726,345	2,771,631
Recovery of loss from failed bank		133,211
Collections of notes receivable and accrued interest - sale of businesses	70,370	311,508
Other investing activities	(342,714)	(188,302)
Net cash flows used in investing activities	(3,961,384)	(6,525,524)
Cash flows used in financing activities:
Proceeds from line of credit	640,000	300,000
Principal payments on line of credit	(490,000)
Principal payments on long-term debt (includes $407,000 to related parties in 2011)		(713,997)
Proceeds from exercise of stock options	47,075
Withholding taxes paid on cashless exercise of stock options	(143,252)
Excess tax benefit from exercise of stock options	160,016
Purchase of treasury stock	(27,128)	(237,159)
Dividends paid	(533,763)	(230,303)
Net cash flows used in financing activities	(347,052)	(881,459)
Increase (decrease) in cash and cash equivalents	2,066,886	(153,494)
Cash and cash equivalents, beginning of period	173,126	326,620
Cash and cash equivalents, end of period	2,240,012	173,126
Supplemental disclosures of cash flow information:
Cash paid for income taxes	1,863,000	1,175,371
Cash paid for interest	81,716	172,964
Supplemental schedule of non-cash investing and financing activities:
Shares deducted from exercise of stock options for payment of withholding taxes	$ 143,252