Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Revenues
Gross premiums written	$ 72,648	$ 82,629	$ 240,008	$ 262,754
Ceded premiums written	(2,473)	(2,170)	(7,928)	(6,804)
Net premiums written	70,175	80,459	232,080	255,950
Net premiums earned	74,771	82,712	229,725	250,611
Net investment income	7,063	8,264	22,136	24,448
Net realized gains (losses) on investments	309	(4)	1,464	(27)
Net unrealized gains (losses) on equity securities	844	365	(2,349)	3,165
Fee and other income	18	153	309	236
Total revenues	83,005	91,488	251,256	278,431
Loss on disposal of assets		(2)	(29)	(2)
Expenses
Loss and loss adjustment expenses incurred	39,789	44,325	120,966	142,807
Underwriting and certain other operating costs	1,334	6,736	17,337	21,704
Commissions	5,608	6,153	17,475	18,764
Salaries and benefits	6,960	6,396	21,505	19,202
Policyholder dividends	714	1,265	2,685	3,363
Provision for investment related credit loss benefit	(69)		(13)
Total expenses	54,336	64,875	179,955	205,840
Income before income taxes	28,669	26,613	71,301	72,591
Income tax expense	5,316	5,227	13,200	13,915
Net income	$ 23,353	$ 21,386	$ 58,101	$ 58,676
Earnings per share
Basic	$ 1.21	$ 1.11	$ 3.01	$ 3.05
Diluted	$ 1.21	$ 1.11	$ 3.00	$ 3.04
Shares used in computing earnings per share
Basic	19,299,921	19,256,069	19,282,263	19,243,689
Diluted	19,358,682	19,302,551	19,345,952	19,320,199
Cash dividends declared per common share	$ 0.27	$ 0.25	$ 0.81	$ 0.75