Condensed Consolidated Balance Sheets (USD $)	Sep. 30, 2013	Dec. 31, 2012
Assets
Fixed-maturity securities, held-to-maturity, at amortized cost (fair value of $1,524,516 at September 30, 2013 and $779,026 at December 31, 2012)	$ 1,448,798	$ 606,281
Fixed-maturity securities, available-for-sale, at fair value (amortized cost of $24,853,190 at September 30, 2013 and $24,847,097 at December 31, 2012)	25,351,423	26,181,938
Equity securities, available-for-sale, at fair value (cost of $6,675,666 at September 30, 2013 and $5,073,977 at December 31, 2012)	6,789,724	5,290,242
Total investments	33,589,945	32,078,461
Cash and cash equivalents	4,186,660	2,240,012
Premiums receivable, net of provision for uncollectible amounts	8,202,728	7,766,825
Reinsurance receivables, net of provision for uncollectible amounts	36,124,555	38,902,782
Deferred policy acquisition costs	6,616,166	5,569,878
Intangible assets, net	2,828,172	3,184,958
Property and equipment, net of accumulated depreciation	2,021,764	1,868,422
Other assets	973,270	1,887,060
Total assets	94,543,260	93,498,398
Liabilities
Loss and loss adjustment expenses	29,517,053	30,485,532
Unearned premiums	31,460,618	26,012,363
Advance premiums	1,045,624	610,872
Reinsurance balances payable	3,217,230	1,820,527
Advance payments from catastrophe reinsurers		7,358,391
Deferred ceding commission revenue	6,580,394	4,877,030
Notes payable (includes payable to related parties of $378,000 at September 30, 2013 and December 31, 2012)	957,000	1,197,000
Accounts payable, accrued expenses and other liabilities	3,212,356	3,067,586
Income taxes payable	659,433
Deferred income taxes	859,361	1,787,281
Total liabilities	77,509,069	77,216,582
Stockholders' Equity
Preferred stock, $.01 par value; authorized 2,500,000 shares at September 30, 2013 and 1,000,000 shares at December 31, 2013; -0- shares issued and outstanding
Common stock, $.01 par value; authorized 20,000,000 shares at September 30, 2013 and 10,000,000 shares at December 31, 2012; issued 4,731,031 shares at September 30, 2013 and 4,730,357 shares at December 31, 2012; outstanding 3,811,573 shares at September 30, 2013 and 3,840,899 shares at December 31, 2012	47,311	47,304
Capital in excess of par	13,891,326	13,851,036
Accumulated other comprehensive income	404,112	1,023,729
Retained earnings	4,248,887	2,787,292
Total	18,591,636	17,709,361
Treasury stock, at cost, 919,458 shares at September 30, 2013 and 889,458 shares at December 31, 2012	(1,557,445)	(1,427,545)
Total stockholders' equity	17,034,191	16,281,816
Total liabilities and stockholders' equity	$ 94,543,260	$ 93,498,398