Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Cash flows provided by operating activities:
Net income	$ 2,012,318	$ 766,706
Adjustments to reconcile net income to net cash provided by operations:
Net realized gain on sale of investments	(575,792)	(288,068)
Depreciation and amortization	646,483	596,347
Amortization of bond premium, net	203,851	128,443
Stock-based compensation	59,959	48,277
Excess tax benefit from exercise of stock options		(160,016)
Deferred income tax expense	(724,053)	(338,723)
(Increase) decrease in operating assets:
Premiums receivable, net	176,751	(1,987,740)
Receivables - reinsurance contracts	(974,989)	1,734,535
Reinsurance receivables, net	1,341,957	(15,021,968)
Deferred policy acquisition costs	(1,290,385)	(1,034,105)
Other assets	358,414	(742,756)
(Decrease) increase in operating liabilities:
Loss and loss adjustment expenses	4,017,697	12,004,815
Unearned premiums	6,323,251	4,729,203
Advance premiums	165,227	66,081
Reinsurance balances payable	746,202	(941,301)
Advance payments from catastrophe reinsurers	(7,358,391)	7,358,391
Deferred ceding commission revenue	2,107,136	894,631
Accounts payable, accrued expenses and other liabilities	147,901	(1,437,430)
Net cash flows provided by operating activities	7,383,537	6,375,322
Cash flows used in investing activities:
Purchase - fixed-maturity securities held-to-maturity	(1,791,702)
Purchase - fixed-maturity securities available for sale	(9,124,949)	(6,902,429)
Purchase - equity securities	(6,073,138)	(2,835,076)
Sale or maturity - fixed-maturity securities available for sale	5,850,770	4,322,120
Sale - equity securities	4,868,193	1,726,345
Other investing activities	(307,045)	(272,344)
Net cash flows used in investing activities	(6,577,871)	(3,961,384)
Cash flows provided by (used in) financing activities:
Net proceeds from issuance of common stock	18,804,379
Proceeds from line of credit	310,000	640,000
Principal payments on line of credit	(760,000)	(490,000)
Principal payments on notes payable (includes $378,000 to related parties)	(747,000)
Proceeds from exercise of stock options	11,750	47,075
Withholding taxes paid on net exercise of stock options		(143,252)
Excess tax benefit from exercise of stock options		160,016
Purchase of treasury stock	(129,900)	(27,128)
Dividends paid	(612,401)	(533,763)
Net cash flows provided by (used in) financing activities	16,876,828	(347,052)
Increase in cash and cash equivalents	17,682,494	2,066,886
Cash and cash equivalents, beginning of period	2,240,012	173,126
Cash and cash equivalents, end of period	19,922,506	2,240,012
Supplemental disclosures of cash flow information:
Cash paid for income taxes	2,174,000	1,863,000
Cash paid for interest	108,839	81,716
Supplemental schedule of non-cash investing and financing activities:
Shares deducted from exercise of stock options for payment of withholding taxes		$ 143,252