Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)	6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012
Cash flows (used in) provided by operating activities:
Net income	$ 259,109	$ 1,325,734
Adjustments to reconcile net income to net cash provided by operations:
Net realized gain on sale of investments	(355,018)	(45,560)
Depreciation and amortization	306,971	297,021
Amortization of bond premium, net	89,558	66,998
Stock-based compensation	12,938	30,111
Excess tax benefit from exercise of stock options		(63,988)
Deferred income tax expense	(228,734)	(91,107)
(Increase) decrease in operating assets:
Premiums receivable, net	(600,185)	(1,172,197)
Receivables - reinsurance contracts		(1,689,224)
Reinsurance receivables, net	4,369,750	(2,285,592)
Deferred acquisition costs	(636,374)	(556,662)
Other assets	686,387	(348,303)
(Decrease) increase in operating liabilities:
Loss and loss adjustment expenses	(2,128,064)	2,317,377
Unearned premiums	3,423,563	2,649,487
Advance premiums	231,050	5,309
Reinsurance balances payable	3,517,529	795,091
Advance payments from catastrophe reinsurers	(7,358,391)
Deferred ceding commission revenue	587,730	485,115
Accounts payable, accrued expenses and other liabilities	(466,608)	(1,255,201)
Net cash flows provided by operating activities	1,711,211	464,409
Cash flows provided by investing activities:
Purchase - fixed-maturity securities available-for-sale	(1,649,667)	(915,228)
Purchase - equity securities	(4,298,630)	(853,000)
Sale or maturity - fixed-maturity securities available-for-sale	4,557,745	1,837,698
Sale - equity securities	2,727,084	559,993
Other investing activities	(145,881)	(10,676)
Net cash flows provided by investing activities	1,190,651	618,787
Cash flows used in financing activities:
Proceeds from line of credit	230,000	50,000
Principal payments on line of credit	(550,000)	(100,000)
Proceeds from exercise of stock options		47,073
Withholding taxes paid on net exercise of stock options		(56,630)
Excess tax benefit from exercise of stock options		63,988
Purchase of treasury stock	(129,900)	(8,200)
Dividends paid	(307,274)	(226,829)
Net cash flows used in financing activities	(757,174)	(230,598)
Increase in cash and cash equivalents	2,144,688	852,598
Cash and cash equivalents, beginning of period	2,240,012	173,126
Cash and cash equivalents, end of period	4,384,700	1,025,724
Supplemental disclosures of cash flow information:
Cash paid for income taxes	564,000	1,505,000
Cash paid for interest	$ 39,087	$ 41,202