9. Deferred Acquisition Costs and Deferred Ceding Commission Revenue (Details 1) (USD $)	Dec. 31, 2012	Dec. 31, 2011
Deferred Acquisition Costs And Deferred Ceding Commission Revenue Details 1
Deferred acquisition costs	$ 5,569,878	$ 4,535,773
Deferred ceding commission revenue	1,658,190	1,354,016
Balance at end of period	$ 692,848	$ 553,374