Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
ASSETS
Investments, available-for-sale at fair value (amortized cost of $131,170 and $130,342, respectively)	$ 135,428	$ 139,046
Cash and cash equivalents	65,506	59,104
Premiums and fees receivable, net of allowance of $377 and $306	49,981	45,286
Limited partnership interests, at net asset value	2,444
Other assets	10,110	6,190
Property and equipment, net	3,854	4,656
Deferred acquisition costs	3,371	3,221
Identifiable intangible assets	4,800	4,800
TOTAL ASSETS	275,494	262,303
LIABILITIES AND STOCKHOLDERS' EQUITY
Loss and loss adjustment expense reserves	84,817	79,260
Unearned premiums and fees	60,756	55,092
Debentures payable	40,291	40,261
Other liabilities	15,047	14,897
Total liabilities	200,911	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	456,919	456,705
Accumulated other comprehensive income	4,258	8,704
Accumulated deficit	(387,004)	(393,026)
Total stockholders' equity	74,583	72,793
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 275,494	$ 262,303