CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Revenues:
Premiums earned	$ 54,369	$ 49,467	$ 161,971	$ 150,988
Commission and fee income	10,097	8,632	29,323	26,391
Investment income	1,142	1,473	3,936	4,017
Net realized gains (losses) on investments, available-for-sale (includes $(4), $6, $36 and $(36), respectively, of accumulated other comprehensive income reclassification for unrealized gains (losses))	(4)	6	36	(36)
Total revenues	65,604	59,578	195,266	181,360
Costs and expenses:
Losses and loss adjustment expenses	41,440	36,132	119,323	108,724
Insurance operating expenses	20,654	20,145	65,845	62,394
Other operating expenses	244	235	722	687
Stock-based compensation	39	54	151	194
Depreciation and amortization	423	485	1,303	1,593
Interest expense	427	431	1,275	1,301
Total costs and expenses	63,227	57,482	188,619	174,893
Income before income taxes	2,377	2,096	6,647	6,467
Provision for income taxes (includes $(1), $2, $13 and $(13), respectively, of income tax expense from reclassification items)	257	164	547	445
Net income	2,120	1,932	6,100	6,022
Net income per share:
Basic	$ 0.05	$ 0.05	$ 0.15	$ 0.15
Diluted	$ 0.05	$ 0.05	$ 0.15	$ 0.15
Number of shares used to calculate net income per share:
Basic	40,995	40,942	40,981	40,925
Diluted	41,297	41,161	41,285	40,948
Reconciliation of net income to other comprehensive income :
Net income	2,120	1,932	6,100	6,022
Net unrealized change in investments	(667)	(419)	2,284	(4,446)
Comprehensive income	1,453	1,513	8,384	1,576
Detail of net realized gains (losses) on investments, available-for-sale:
Net realized gains (losses) on sales and redemptions	(4)	39	36	25
OTTI charges reclassified from other comprehensive income and recognized in net income		(33)		(61)
Net realized gains (losses) on investments, available-for-sale	$ (4)	$ 6	$ 36	$ (36)