CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Cash flow from operating activities:
Net loss	$ 1,072	$ (2,007)
Adjustments to reconcile net loss to net cash provided (used) by operating activities:
Amortization of investment premium discount, net	323	347
Depreciation and amortization of property plant and equipment, net	48	52
Net realized investment gains	10	103
Provision for credit losses, net	0	9
(Recovery) provision for uncollectible premiums receivable	(2)	(34)
Non-cash compensation	42	49
Changes in operating assets and liabilities:
Premiums receivable	(1,732)	(1,038)
Prepaid reinsurance premiums	3,220	5,939
Reinsurance recoverable, net	307	2,458
Deferred income tax expense, net of other comprehensive income	504	(1,175)
Policy acquisition costs, net of amortization	(869)	(532)
Other assets	(2,854)	34
Unpaid losses and LAE	(4,675)	(2,039)
Unearned premiums	6,749	2,975
Premium deposits and customer credit balances	358	361
Income taxes payable	48	0
Bank overdraft	(706)	(3,000)
Accounts payable and accrued expenses	(740)	1,125
Net cash provided (used) by operating activities	1,103	3,627
Cash flow used by investing activities:
Proceeds from sale of investment securities	18,257	41,532
Purchases of investment securities available for sale	(19,090)	(45,505)
Purchases of property and equipment	(20)	(51)
Net cash used by investing activities	(853)	(4,024)
Cash flow provided (used) by financing activities:
Tax benefit related to non-cash compensation	21	24
Net cash provided (used) by financing activities	21	24
Net decrease in cash and short term investments	271	(373)
Cash and short term investments at beginning of period	15,205	16,206
Cash and short term investments at end of period	15,476	15,833
Supplemental disclosure of cash flow information:
Income taxes	0	0
Non-cash investing and finance activities:
Accrued dividends payable	$ 0	$ 0