9. Income Taxes (Details) (USD $)	Jun. 30, 2013	Dec. 31, 2012
Deferred tax asset:
Net operating loss carryovers (1)	$ 266,800	$ 264,648
Claims reserve discount	355,646	313,544
Unearned premium	940,362	811,413
Deferred ceding commission revenue	1,858,019	1,658,190
Other		10,921
Total deferred tax assets	3,420,827	3,058,716
Deferred tax liability:
Investment in KICO (2)	1,169,000	1,169,000
Deferred acquisition costs	2,110,126	1,893,759
Intangibles	1,002,014	1,082,886
Depreciation and amortization	153,947	152,576
Reinsurance recoverable		20,400
Net unrealized appreciation of securities - available for sale	250,426	527,376
Other	16,808
Total deferred tax liabilities	4,702,321	4,845,997
Net deferred income tax liability	$ (1,281,494)	$ (1,787,281)