Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Cash flows (used in) provided by operating activities:
Net income	$ 191,008	$ 765,418
Adjustments to reconcile net income to net cash provided by operations:
Net realized gain on sale of investments	(105,125)	(39,400)
Depreciation and amortization	152,986	146,549
Amortization of bond premium, net	45,074	32,938
Stock-based compensation	8,748	19,501
Excess tax benefit from exercise of stock options		(7,819)
Deferred income tax expense	(124,532)	(60,780)
(Increase) decrease in assets:
Premiums receivable, net	370,668	(543,567)
Receivables - reinsurance contracts		(857,323)
Reinsurance receivables, net	5,281,411	(1,303,004)
Deferred acquisition costs	17,101	(180,579)
Other assets	1,011,071	(75,757)
Increase (decrease) in liabilities:
Loss and loss adjustment expenses	(2,175,646)	1,452,292
Unearned premiums	551,525	970,562
Advance premiums	156,610	32,645
Reinsurance balances payable	4,421,673	341,414
Advance payments from catastrophe reinsurers	(7,358,391)
Deferred ceding commission revenue	45,226	166,818
Accounts payable, accrued expenses and other liabilities	(244,362)	(1,054,435)
Net cash flows provided by (used in) operating activities	2,245,045	(194,527)
Cash flows provided by (used in) investing activities:
Purchase - fixed-maturity securities available for sale	(1,146,075)	(105,544)
Purchase - equity securities	(2,298,727)	(658,388)
Sale or maturity - fixed-maturity securities available for sale	1,522,781	1,032,800
Sale - equity securities	945,053	191,516
Collections of notes receivable and accrued interest - sale of businesses	8,242	7,066
Other investing activities	(84,140)	(11,420)
Net cash flows (used in) provided by investing activities	(1,052,866)	456,030
Cash flows used in financing activities:
Proceeds from line of credit	100,000	50,000
Principal payments on line of credit	(550,000)	(100,000)
Proceeds from exercise of stock options		41,200
Excess tax benefit from exercise of stock options		7,819
Purchase of treasury stock		(8,200)
Dividends paid	(153,637)	(113,397)
Net cash flows used in financing activities	(603,637)	(122,578)
Increase in cash and cash equivalents	588,542	138,925
Cash and cash equivalents, beginning of period	2,240,012	173,126
Cash and cash equivalents, end of period	2,828,554	312,051
Supplemental disclosures of cash flow information:
Cash paid for income taxes		500,000
Cash paid for interest	$ 39,087	$ 120,037