Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Cash flows (used in) provided by operating activities:
Net income	$ 1,921,333	$ 1,773,565
Adjustments to reconcile net income to net cash provided by operations:
Net realized gain on sale of investments	(449,474)	(111,545)
Depreciation and amortization	472,495	447,372
Amortization of bond premium, net	135,352	88,127
Stock-based compensation	40,297	39,125
Excess tax benefit from exercise of stock options		(118,070)
Deferred income tax expense	(608,825)	(152,795)
(Increase) decrease in operating assets:
Premiums receivable, net	(435,903)	(1,074,941)
Receivables - reinsurance contracts		(933,588)
Reinsurance receivables, net	2,778,227	(3,301,475)
Deferred acquisition costs	(1,046,288)	(861,874)
Other assets	907,483	(446,020)
(Decrease) increase in operating liabilities:
Loss and loss adjustment expenses	(968,479)	3,802,428
Unearned premiums	5,448,255	4,026,336
Advance premiums	434,752	(47,518)
Reinsurance balances payable	1,396,703	403,020
Advance payments from catastrophe reinsurers	(7,358,391)
Deferred ceding commission revenue	1,703,364	679,873
Accounts payable, accrued expenses and other liabilities	804,203	(1,258,932)
Net cash flows provided by operating activities	5,175,104	2,953,088
Cash flows used in investing activities:
Purchase - fixed-maturity securities held-to-maturity	(842,317)
Purchase - fixed-maturity securities available for sale	(5,253,804)	(2,264,507)
Purchase - equity securities	(5,081,161)	(1,873,253)
Sale or maturity - fixed-maturity securities available for sale	5,274,520	2,766,758
Sale - equity securities	3,747,729	1,001,247
Other investing activities	(243,785)	(22,405)
Net cash flows used in investing activities	(2,398,818)	(392,160)
Cash flows used in financing activities:
Proceeds from line of credit	310,000	465,000
Principal payments on line of credit	(550,000)	(415,000)
Proceeds from exercise of stock options		47,074
Withholding taxes paid on net exercise of stock options		(103,593)
Excess tax benefit from exercise of stock options		118,070
Purchase of treasury stock	(129,900)	(17,710)
Dividends paid	(459,738)	(380,046)
Net cash flows used in financing activities	(829,638)	(286,205)
Increase in cash and cash equivalents	1,946,648	2,274,723
Cash and cash equivalents, beginning of period	2,240,012	173,126
Cash and cash equivalents, end of period	4,186,660	2,447,849
Supplemental disclosures of cash flow information:
Cash paid for income taxes	747,000	1,853,000
Cash paid for interest	$ 76,100	$ 78,122