Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
ASSETS
Investments, available-for-sale at fair value (amortized cost of $126,873 and $130,342, respectively)	$ 130,248	$ 139,046
Cash and cash equivalents	72,033	59,104
Premiums and fees receivable, net of allowance of $311 and $306, respectively	46,228	45,286
Limited partnership interests	7,513
Other assets	6,471	6,190
Property and equipment, net	3,512	4,656
Deferred acquisition costs	2,902	3,221
Identifiable intangible assets	4,800	4,800
TOTAL ASSETS	273,707	262,303
LIABILITIES AND STOCKHOLDERS' EQUITY
Loss and loss adjustment expense reserves	84,286	79,260
Unearned premiums and fees	55,983	55,092
Debentures payable	40,301	40,261
Other liabilities	16,205	14,897
Total liabilities	196,775	189,510
Stockholders' equity:
Preferred stock, $.01 par value, 10,000 shares authorized
Common stock, $.01 par value, 75,000 shares authorized; 40,983 and 40,962 shares issued and outstanding, respectively	410	410
Additional paid-in capital	456,993	456,705
Accumulated other comprehensive income	3,375	8,704
Accumulated deficit	(383,846)	(393,026)
Total stockholders' equity	76,932	72,793
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 273,707	$ 262,303