Condensed Consolidated Balance Sheets (USD $)	Mar. 31, 2013	Dec. 31, 2012
Assets
Fixed-maturity securities, held to maturity, at amortized cost (fair value of $750,137 at March 31, 2013 and $779,026 at December 31, 2012)	$ 606,289	$ 606,281
Fixed-maturity securities, available for sale, at fair value (amortized cost of $24,502,275 at March 31, 2013 and $24,847,097 at December 31, 2012)	25,842,570	26,181,938
Equity securities, available-for-sale, at fair value (cost of $6,455,800 at March 31, 2013 and $5,073,977 at December 31, 2012)	7,112,355	5,290,242
Total investments	33,561,214	32,078,461
Cash and cash equivalents	2,828,554	2,240,012
Premiums receivable, net of provision for uncollectible amounts	7,396,157	7,766,825
Reinsurance receivables, net of provision for uncollectible amounts	33,621,371	38,902,782
Notes receivable-sale of business	314,899	323,141
Deferred acquisition costs	5,552,777	5,569,878
Intangible assets, net	3,066,029	3,184,958
Property and equipment, net of accumulated depreciation	1,918,505	1,868,422
Other assets	552,858	1,563,919
Total assets	88,812,364	93,498,398
Liabilities
Loss and loss adjustment expenses	28,309,886	30,485,532
Unearned premiums	26,563,888	26,012,363
Advance premiums	767,482	610,872
Reinsurance balances payable	6,242,200	1,820,527
Advance payments from catastrophe reinsurers		7,358,391
Deferred ceding commission revenue	4,922,256	4,877,030
Notes payable (includes payable to related parties of $378,000 at March 31, 2013 and December 31, 2012)	747,000	1,197,000
Accounts payable, accrued expenses and other liabilities	2,823,224	3,067,586
Deferred income taxes	1,814,302	1,787,281
Total liabilities	72,190,238	77,216,582
Commitments and Contingencies
Stockholders' Equity
Preferred stock, $.01 par value; authorized 1,000,000 shares; -0- shares issued and outstanding
Common stock, $.01 par value; authorized 10,000,000 shares; issued 4,730,357 shares at March 31, 2013 and December 31, 2012; outstanding 3,840,899 shares at March 31, 2013 and December 31, 2012	47,304	47,304
Capital in excess of par	13,859,784	13,851,036
Accumulated other comprehensive income	1,317,920	1,023,729
Retained earnings	2,824,663	2,787,292
Total	18,049,671	17,709,361
Treasury stock, at cost, 889,458 shares at March 31, 2013 and December 31, 2012	(1,427,545)	(1,427,545)
Total stockholders' equity	16,622,126	16,281,816
Total liabilities and stockholders' equity	$ 88,812,364	$ 93,498,398