Condensed Consolidated Statements of Income and Comprehensive Income (Unaudited) (USD $)	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Revenues
Net premiums earned	$ 4,623,215	$ 3,972,535
Ceding commission revenue	2,293,711	2,903,656
Net investment income	283,287	267,517
Net realized gain on investments	105,125	39,400
Other income	213,990	239,055
Total revenues	7,519,328	7,422,163
Expenses
Loss and loss adjustment expenses	2,469,641	2,278,514
Commission expense	2,115,820	1,671,607
Other underwriting expenses	2,213,345	1,857,746
Other operating expenses	243,310	286,887
Depreciation and amortization	152,986	146,549
Interest expense	21,215	20,785
Total expenses	7,216,317	6,262,088
Income from operations before taxes	303,011	1,160,075
Income tax expense	112,003	394,657
Net income	191,008	765,418
Gross unrealized investment holding gains arising during period	445,743	447,165
Income tax expense related to items of other comprehensive income	(151,553)	(152,036)
Comprehensive income	$ 485,198	$ 1,060,547
Earnings per common share:
Basic	$ 0.05	$ 0.2
Diluted	$ 0.05	$ 0.2
Weighted average common shares outstanding
Basic	3,840,899	3,771,109
Diluted	3,914,406	3,771,109
Dividends declared and paid per common share	$ 0.04	$ 0.03