16. Income Taxes (Details 2) (USD $)	Dec. 31, 2012	Dec. 31, 2011
Deferred tax asset:
Net operating loss carryovers (1)	$ 264,648	$ 276,312
Claims reserve discount	313,544	220,354
Unearned premium	811,413	647,596
Deferred ceding commission revenue	1,658,190	1,354,016
Other	10,921	4,583
Total deferred tax assets	3,058,716	2,502,861
Deferred tax liability:
Investment in KICO (2)	1,169,000	1,169,000
Deferred acquisition costs	1,893,759	1,542,163
Intangibles	1,082,886	1,244,628
Depreciation and amortization	152,576	133,411
Reinsurance recoverable	20,400	20,400
Net unrealized appreciation of securities - available for sale	527,376	172,155
Investment income		10,543
Total deferred tax liabilities	4,845,997	4,292,300
Net deferred income tax liability	$ (1,787,281)	$ (1,789,439)