Contingencies	6 Months Ended
Jun. 30, 2011
Contingencies	NOTE 9 – CONTINGENCIES One of the Company’s agents that was appointed in 2008 to help the Company get its Trucking Program started failed to pay the net premium and policy fees due Unifax, the exclusive general agent for Crusader. The agent was initially late in paying its February 2009 production that was due to Unifax on April 15, 2009. In May 2009, as a result of the agent’s failure to timely pay its balance due to Unifax, the Company terminated its agency agreement and assumed ownership and control of that agent’s policy expirations written with the Company. The agent has not paid any subsequent premium to Unifax. The Company subsequently commenced legal proceedings against the agent corporation, its principals (who personally guaranteed the agent’s obligations), and another individual for the recovery of the balance due and any related recovery costs incurred. All related recovery costs have been expensed as incurred. The agent’s balance due to Unifax was $1,495,226, as of June 30, 2011. No interest has been accrued on this balance. The bad debt reserve for this agent is $1,101,835, as of June 30, 2011. The Company’s bad debt reserve is subject to change as more information becomes available. In June 2010, the Company completed its search for a new policy administration software system to replace its existing legacy system, and the Company signed related contracts on July 8, 2010. The Company has concerns about the vendor’s delay in the implementation of the system and the system’s functionality. The Company is working with the vendor to resolve those issues and intends to renegotiate the contracts. Accordingly, the amount currently capitalized of $1,514,077 as software work-in-progress and the related payable to the vendor of $1,431,917 are subject to change.

Contingencies

6 Months Ended

Jun. 30, 2011

NOTE 9 – CONTINGENCIES

One of the Company’s agents that was appointed in 2008 to help the Company get its Trucking Program started failed to pay the net premium and policy fees due Unifax, the exclusive general agent for Crusader. The agent was initially late in paying its February 2009 production that was due to Unifax on April 15, 2009. In May 2009, as a result of the agent’s failure to timely pay its balance due to Unifax, the Company terminated its agency agreement and assumed ownership and control of that agent’s policy expirations written with the Company. The agent has not paid any subsequent premium to Unifax. The Company subsequently commenced legal proceedings against the agent corporation, its principals (who personally guaranteed the agent’s obligations), and another individual for the recovery of the balance due and any related recovery costs incurred. All related recovery costs have been expensed as incurred. The agent’s balance due to Unifax was $1,495,226, as of June 30, 2011. No interest has been accrued on this balance. The bad debt reserve for this agent is $1,101,835, as of June 30, 2011. The Company’s bad debt reserve is subject to change as more information becomes available.

In June 2010, the Company completed its search for a new policy administration software system to replace its existing legacy system, and the Company signed related contracts on July 8, 2010. The Company has concerns about the vendor’s delay in the implementation of the system and the system’s functionality. The Company is working with the vendor to resolve those issues and intends to renegotiate the contracts. Accordingly, the amount currently capitalized of $1,514,077 as software work-in-progress and the related payable to the vendor of $1,431,917 are subject to change.