Condensed Consolidated Statements of Income and Comprehensive Income (Unaudited) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
Revenues
Net premiums earned	$ 4,676,282	$ 4,164,572	$ 9,299,497	$ 8,137,107
Ceding commission revenue	2,334,431	2,910,858	4,628,142	5,814,514
Net investment income	275,031	229,879	558,318	497,396
Net realized gain on sale of investments	249,893	6,160	355,018	45,560
Other income	243,825	222,691	457,815	461,746
Total revenues	7,779,462	7,534,160	15,298,790	14,956,323
Expenses
Loss and loss adjustment expenses	3,241,797	2,408,505	5,711,438	4,687,019
Commission expense	2,079,084	1,805,810	4,194,904	3,477,417
Other underwriting expenses	1,931,611	1,994,576	4,144,956	3,852,322
Other operating expenses	227,833	287,442	471,143	574,329
Depreciation and amortization	153,985	150,472	306,971	297,021
Interest expense	17,890	20,111	39,105	40,896
Total expenses	7,652,200	6,666,916	14,868,517	12,929,004
Income from operations before taxes	127,262	867,244	430,273	2,027,319
Income tax expense	59,161	306,928	171,164	701,585
Net income	68,101	560,316	259,109	1,325,734
Gross unrealized investment holding (losses) gains arising during period	(1,260,607)	294,590	(814,864)	741,755
Income tax benefit (expense) related to items of other comprehensive income	428,607	(100,161)	277,054	(252,197)
Comprehensive income	$ (763,899)	$ 754,745	$ (278,701)	$ 1,815,292
Earnings per common share:
Basic	$ 0.02	$ 0.15	$ 0.07	$ 0.35
Diluted	$ 0.02	$ 0.15	$ 0.07	$ 0.35
Weighted average common shares outstanding
Basic	3,827,712	3,789,592	3,834,269	3,780,351
Diluted	3,906,432	3,883,779	3,911,650	3,780,351
Dividends declared and paid per common share	$ 0.04	$ 0.03	$ 0.08	$ 0.06