10. Property and Casulty Insurance Activity (Details 1) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Unearned premiums	$ 48,890,241	$ 40,458,041
Gross Liability
Case-basis reserves	24,730,463	24,064,175
Loss adjustment expenses	5,429,221	5,663,856
IBNR reserves	9,716,816	10,184,652
Total loss and loss adjustment expenses	39,876,500	39,912,683
Reinsurance Receivables
Case-basis reserves	11,264,279	11,930,330
Loss adjustment expenses	1,720,522	1,920,437
IBNR reserves	3,721,563	4,398,759
Recoverable on unpaid losses	16,706,364	18,249,526
Recoverable on paid losses	2,047,979	1,469,363
Total loss and loss adjustment expenses	18,754,343	19,718,889
Unearned premiums	12,515,892	15,856,387
Total reinsurance receivables	$ 31,270,235	$ 35,575,276