9. Deferred Acquisition Costs and Deferred Ceding Commission Revenue (Details) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Deferred Acquisition Costs And Deferred Ceding Commission Revenue Details
Net deferred acquisition costs net of ceding commission revenue, beginning of year	$ 553,374	$ 399,488
Cost incurred and deferred:
Commissions and brokerage	8,087,355	6,863,504
Other underwriting and acquisition costs	3,012,611	2,316,928
Ceding commission revenue	(9,410,871)	(7,678,913)
Net deferred acquisition costs	1,689,095	1,501,519
Amortization	(1,549,621)	(1,347,633)
Deferred acquisition costs	139,474	153,886
Net deferred acquisition costs net of ceding commission revenue, end of year	$ 692,848	$ 553,374