Condensed Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Revenues
Gross premiums written	$ 77,283	$ 65,698	$ 247,683	$ 209,973
Ceded premiums written	(4,032)	(3,517)	(11,907)	(10,487)
Net premiums written	73,251	62,181	235,776	199,486
Net premiums earned	72,425	64,454	211,948	184,804
Net investment income	6,801	6,495	20,320	19,638
Net realized gains on investments	985	512	2,913	760
Fee and other income	163	282	484	551
Total revenues	80,374	71,743	235,665	205,753
Expenses
Loss and loss adjustment expenses incurred	53,851	49,327	162,414	140,079
Underwriting and certain other operating costs	6,128	6,729	15,338	17,457
Commissions	5,405	4,800	16,099	13,583
Salaries and benefits	4,962	4,821	15,120	14,768
Interest expense	80	277	566	1,036
Policyholder dividends	945	271	1,659	990
Total expenses	71,371	66,225	211,196	187,913
Income before income taxes	9,003	5,518	24,469	17,840
Income tax expense	1,882	634	4,342	1,732
Net income	7,121	4,884	20,127	16,108
Net income available to common shareholders	$ 7,121	$ 4,884	$ 20,127	$ 16,108
Earnings per share
Basic	$ 0.39	$ 0.27	$ 1.11	$ 0.88
Diluted	$ 0.38	$ 0.26	$ 1.08	$ 0.86
Shares used in computing earnings per share
Basic	18,173,062	18,294,040	18,154,690	18,306,516
Diluted	18,583,980	18,708,721	18,576,405	18,766,733