9. Income Taxes (Details) (USD $)	Sep. 30, 2014	Dec. 31, 2013
Deferred tax asset:
Net operating loss carryovers (1)	$ 238,862	$ 246,476
Claims reserve discount	505,447	445,384
Unearned premium	1,747,757	1,000,372
Deferred ceding commission revenue	1,934,251	2,374,616
Other	0	17,087
Total deferred tax assets	4,426,317	4,083,935
Deferred tax liability:
Investment in KICO (2)	1,169,000	1,169,000
Deferred acquisition costs	2,938,996	2,332,489
Intangibles	799,836	921,143
Depreciation and amortization	156,493	197,223
Net unrealized appreciation of securities - available for sale	460,175	157,167
Other	5,309	0
Total deferred tax liabilities	5,529,809	4,777,022
Net deferred income tax liability	$ (1,103,492)	$ (693,087)