Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Mar. 31, 2013	Dec. 31, 2012
ASSETS
Investments, available-for-sale at fair value (amortized cost of $125,725 and $130,342, respectively)	$ 134,026	$ 139,046
Cash and cash equivalents	71,215	59,104
Premiums and fees receivable, net of allowance of $281 and $306	57,678	45,286
Other assets	5,819	6,190
Property and equipment, net	4,456	4,656
Deferred acquisition costs	3,712	3,221
Identifiable intangible assets	4,800	4,800
TOTAL ASSETS	281,706	262,303
LIABILITIES AND STOCKHOLDERS' EQUITY
Loss and loss adjustment expense reserves	80,612	79,260
Unearned premiums and fees	71,231	55,092
Debentures payable	40,271	40,261
Other liabilities	15,097	14,897
Total liabilities	207,211	189,510
Stockholders' equity:
Preferred stock, $.01 par value per share, 10,000 shares authorized
Common stock, $.01 par value per share, 75,000 shares authorized; 40,945 and 40,962 shares issued and outstanding, respectively	410	410
Additional paid-in capital	456,786	456,705
Accumulated other comprehensive income	8,301	8,704
Accumulated deficit	(391,002)	(393,026)
Total stockholders' equity	74,495	72,793
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 281,706	$ 262,303