CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE INCOME (LOSS) (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Revenues:
Premiums earned	$ 55,854	$ 52,118	$ 107,602	$ 101,521
Commission and fee income	10,051	9,162	19,226	17,759
Investment income	1,257	1,268	2,794	2,544
Net realized gains (losses) on investments, available-for-sale (includes $(42), $(55), $40 and $(42), respectively, of accumulated other comprehensive income (loss) reclassification for unrealized gains (losses))	(42)	(55)	40	(42)
Total revenues	67,120	62,493	129,662	121,782
Costs and expenses:
Losses and loss adjustment expenses	41,066	39,087	77,883	72,592
Insurance operating expenses	21,162	19,909	45,191	42,249
Other operating expenses	245	223	478	452
Stock-based compensation	66	56	112	140
Depreciation and amortization	437	537	880	1,108
Interest expense	421	427	848	870
Total costs and expenses	63,397	60,239	125,392	117,411
Income before income taxes	3,723	2,254	4,270	4,371
Provision for income taxes (includes $(15), $(19), $14 and $(15), respectively, of income tax expense from reclassification items)	254	188	290	281
Net income	3,469	2,066	3,980	4,090
Net income per share:
Basic	$ 0.08	$ 0.05	$ 0.10	$ 0.10
Diluted	$ 0.08	$ 0.05	$ 0.10	$ 0.10
Number of shares used to calculate net income per share:
Basic	40,978	40,921	40,974	40,915
Diluted	41,274	40,948	41,278	40,942
Reconciliation of net income to other comprehensive income (loss):
Net income	3,469	2,066	3,980	4,090
Net unrealized change in investments	1,297	(3,623)	2,950	(4,027)
Comprehensive income (loss)	4,766	(1,557)	6,930	63
Detail of net realized gains (losses) on investments, available-for-sale:
Net realized gains (losses) on sales and redemptions	(42)	(55)	40	(14)
OTTI charges reclassified from other comprehensive income (loss) and recognized in net income	0	0	0	(28)
Net realized gains (losses) on investments, available-for-sale	$ (42)	$ (55)	$ 40	$ (42)