Consolidated Balance Sheets (USD $)	Dec. 31, 2013	Dec. 31, 2012
Assets
Fixed-maturity securities, held-to-maturity, at amortized cost (fair value of $2,425,261 at December 31, 2013 and $779,026 at December 31, 2012)	$ 2,399,482	$ 606,281
Fixed-maturity securities, available-for-sale, at fair value (amortized cost of $28,079,902 at December 31, 2013 and $24,847,097 at December 31, 2012)	28,436,022	26,181,938
Equity securities, available-for-sale, at fair value (cost of $6,690,338 at December 31, 2013 and $5,073,977 at December 31, 2012)	6,796,673	5,290,242
Total investments	37,632,177	32,078,461
Cash and cash equivalents	19,922,506	2,240,012
Premiums receivable, net of provision for uncollectible amounts	7,590,074	7,766,825
Receivables - reinsurance contracts	974,989
Reinsurance receivables, net of provision for uncollectible amounts	37,560,825	38,902,782
Deferred policy acquisition costs	6,860,263	5,569,878
Intangible assets, net	2,709,244	3,184,958
Property and equipment, net of accumulated depreciation	2,038,755	1,868,422
Other assets	1,494,989	1,887,060
Total assets	116,783,822	93,498,398
Liabilities
Loss and loss adjustment expenses	34,503,229	30,485,532
Unearned premiums	32,335,614	26,012,363
Advance premiums	776,099	610,872
Reinsurance balances payable	2,566,729	1,820,527
Advance payments from catastrophe reinsurers		7,358,391
Deferred ceding commission revenue	6,984,166	4,877,030
Notes payable (includes payable to related parties of $-0- at December 31, 2013 and $378,000 at December 31, 2012)		1,197,000
Accounts payable, accrued expenses and other liabilities	3,215,487	3,067,586
Deferred income taxes	693,087	1,787,281
Total liabilities	81,074,411	77,216,582
Commitments and Contingencies
Stockholders' Equity
Preferred stock, $.01 par value; authorized 2,500,000 shares at December 31, 2013 and 1,000,000 shares at December 31, 2012; -0- shares issued and outstanding
Common stock, $.01 par value; authorized 20,000,000 shares at December 31, 2013 and 10,000,000 shares at December 31, 2012; issued 8,186,031 shares at December 31, 2013 and 4,730,357 shares at December 31, 2012; outstanding 7,266,573 shares at December 31, 2013 and 3,840,899 shares at December 31, 2012	81,860	47,304
Capital in excess of par	32,692,568	13,851,036
Accumulated other comprehensive income	305,219	1,023,729
Retained earnings	4,187,209	2,787,292
Total	37,266,856	17,709,361
Treasury stock, at cost, 919,458 shares at December 31, 2013 and 889,458 shares at December 31, 2012	(1,557,445)	(1,427,545)
Total stockholders' equity	35,709,411	16,281,816
Total liabilities and stockholders' equity	$ 116,783,822	$ 93,498,398