Condensed Consolidated Balance Sheets (USD $)	Mar. 31, 2014	Dec. 31, 2013
Assets
Fixed-maturity securities, held-to-maturity, at amortized cost (fair value of $4,102,096 at March 31, 2014 and $2,425,261 at December 31, 2013)	$ 3,969,335	$ 2,399,482
Fixed-maturity securities, available-for-sale, at fair value (amortized cost of $36,267,872 at March 31, 2014 and $28,079,902 at December 31, 2013)	37,087,852	28,436,022
Equity securities, available-for-sale, at fair value (cost of $8,190,655 at March 31, 2014 and $6,690,338 at December 31, 2013)	8,513,526	6,796,673
Total investments	49,570,713	37,632,177
Cash and cash equivalents	8,563,066	19,922,506
Premiums receivable, net of provision for uncollectible amounts	8,102,612	7,590,074
Receivables - reinsurance contracts	858,567	974,989
Reinsurance receivables, net of provision for uncollectible amounts	43,531,328	37,560,825
Deferred policy acquisition costs	7,193,301	6,860,263
Intangible assets, net	2,590,315	2,709,244
Property and equipment, net of accumulated depreciation	2,295,861	2,038,755
Other assets	1,447,522	1,494,989
Total assets	124,153,285	116,783,822
Liabilities
Loss and loss adjustment expense reserves	40,043,254	34,503,229
Unearned premiums	33,466,488	32,335,614
Advance premiums	1,165,871	776,099
Reinsurance balances payable	2,982,222	2,566,729
Deferred ceding commission revenue	7,117,642	6,984,166
Accounts payable, accrued expenses and other liabilities	2,301,195	3,215,487
Deferred income taxes	868,281	693,087
Total liabilities	87,944,953	81,074,411
Commitments and Contingencies
Stockholders' Equity
Preferred stock, $.01 par value; authorized 2,500,000 shares
Common stock, $.01 par value; authorized 20,000,000 shares; issued 8,186,031 shares; outstanding 7,266,573 shares	81,860	81,860
Capital in excess of par	32,705,959	32,692,568
Accumulated other comprehensive income	754,280	305,219
Retained earnings	4,223,678	4,187,209
Total	37,765,777	37,266,856
Treasury stock, at cost, 919,458 shares	(1,557,445)	(1,557,445)
Total stockholders' equity	36,208,332	35,709,411
Total liabilities and stockholders' equity	$ 124,153,285	$ 116,783,822