CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE INCOME (LOSS) (USD $) In Thousands, except Per Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Revenues:
Premiums earned	$ 218,315	$ 199,700	$ 185,644
Commission and fee income	39,733	35,125	32,574
Investment income	5,123	5,716	6,599
Net realized gains (losses) on investments, available-for-sale (includes $23, $(29) and $3,242, respectively, of accumulated other comprehensive income reclassifications for unrealized gains (losses))	23	(29)	3,242
Total revenues	263,194	240,512	228,059
Costs and expenses:
Losses and loss adjustment expenses	161,302	142,839	148,223
Insurance operating expenses	87,515	82,822	82,127
Other operating expenses	996	987	922
Stock-based compensation	185	243	604
Depreciation and amortization	1,767	2,053	2,203
Interest expense	1,706	1,738	3,025
Total costs and expenses	253,471	230,682	237,104
Income (loss) before income taxes	9,723	9,830	(9,045)
Provision (benefit) for income taxes (includes $8, $(10) and $1,135, respectively, of income tax expense/benefit from reclassification items)	(18,345)	650	(5)
Net income (loss)	28,068	9,180	(9,040)
Net income (loss) per share:
Basic	$ 0.68	$ 0.22	$ (0.22)
Diluted	$ 0.68	$ 0.22	$ (0.22)
Number of shares used to calculate net income (loss) per share:
Basic	40,985	40,930	40,861
Diluted	41,283	41,092	40,861
Reconciliation of net income (loss) to comprehensive income (loss):
Net income (loss)	28,068	9,180	(9,040)
Unrealized change in investments (net of tax of $923, $0 and $0, respectively)	1,715	(5,329)	(1,546)
Comprehensive income (loss)	29,783	3,851	(10,586)
Detail of net realized gains (losses) on investments, available-for-sale:
Net realized gains on sales and redemptions	23	32	3,265
OTTI charges reclassified from other comprehensive income (loss)		(61)	(23)
OTTI charges recognized in net income (loss)		(61)	(23)
Net realized gains (losses) on investments, available-for-sale	$ 23	$ (29)	$ 3,242