9. Income Taxes (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Deferred tax asset:
Net operating loss carryovers (1)	$ 260,121	$ 264,648
Claims reserve discount	370,539	313,544
Unearned premium	1,024,271	811,413
Deferred ceding commission revenue	2,237,332	1,658,190
Other	8,344	10,921
Total deferred tax assets	3,900,607	3,058,716
Deferred tax liability:
Investment in KICO (2)	1,169,000	1,169,000
Deferred acquisition costs	2,249,496	1,893,759
Intangibles	961,578	1,082,886
Depreciation and amortization	171,648	152,576
Reinsurance recoverable		20,400
Net unrealized appreciation of securities - available for sale	208,246	527,376
Total deferred tax liabilities	4,759,968	4,845,997
Net deferred income tax liability	$ (859,361)	$ (1,787,281)