CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Revenue:
Insurance premiums	$ 38,385	$ 32,381	$ 107,777	$ 94,654
Investment income	2,534	2,880	8,213	8,618
Realized investment gains, net	2,283	0	8,415	1,428
Other income	45	41	140	106
Total revenue	43,247	35,302	124,545	104,806
Benefits and expenses:
Insurance benefits and losses incurred	26,786	22,289	75,147	68,056
Commissions and underwriting expenses	10,396	8,962	30,081	23,965
Interest expense	442	662	1,457	1,977
Other expense	2,934	2,433	8,097	7,278
Total benefits and expenses	40,558	34,346	114,782	101,276
Income before income taxes	2,689	956	9,763	3,530
Income tax expense (benefit)	9	(128)	201	8
Net income	2,680	1,084	9,562	3,522
Preferred stock dividends	(118)	(127)	(364)	(381)
Net income applicable to common shareholders	$ 2,562	$ 957	$ 9,198	$ 3,141
Earnings per common share (basic) (in dollars per share)	$ 0.12	$ 0.05	$ 0.43	$ 0.15
Earnings per common share (diluted) (in dollars per share)	$ 0.12	$ 0.04	$ 0.42	$ 0.15