Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Jun. 30, 2013	Dec. 31, 2012
ASSETS
Investments, available-for-sale at fair value (amortized cost of $128,065 and $130,342, respectively)	$ 132,762	$ 139,046
Cash and cash equivalents	74,382	59,104
Premiums and fees receivable, net of allowance of $434 and $306	47,437	45,286
Other assets	7,556	6,190
Property and equipment, net	4,177	4,656
Deferred acquisition costs	3,136	3,221
Identifiable intangible assets	4,800	4,800
TOTAL ASSETS	274,250	262,303
LIABILITIES AND STOCKHOLDERS' EQUITY
Loss and loss adjustment expense reserves	85,998	79,260
Unearned premiums and fees	59,480	55,092
Debentures payable	40,281	40,261
Other liabilities	15,474	14,897
Total liabilities	201,233	189,510
Stockholders' equity:
Preferred stock, $.01 par value, 10,000 shares authorized
Common stock, $.01 par value, 75,000 shares authorized; 40,967 and 40,962 shares issued and outstanding, respectively	410	410
Additional paid-in capital	456,866	456,705
Accumulated other comprehensive income	4,677	8,704
Accumulated deficit	(388,936)	(393,026)
Total stockholders' equity	73,017	72,793
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 274,250	$ 262,303