CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2012	Jun. 30, 2011	Jun. 30, 2012	Jun. 30, 2011
Revenue:
Gross premiums written	$ 33,071	$ 28,002	$ 64,345	$ 55,146
Gross premiums ceded	(11,727)	(13,510)	(13,585)	(15,015)
Net premiums written	21,344	14,492	50,760	40,131
Increase (decrease) in prepaid reinsurance premiums	269	886	(9,581)	(10,634)
Increase in unearned premiums	(6,920)	(3,718)	(13,668)	(6,693)
Net change in prepaid reinsurance premiums and unearned premiums	(6,651)	(2,832)	(23,249)	(17,327)
Net premiums earned	14,693	11,660	27,511	22,804
Commission income	396	309	701	605
Finance revenue	127	116	241	236
Managing general agent fees	561	452	1,095	913
Net investment income	935	1,054	1,896	2,023
Net realized investment (losses) gains	(218)	442	(228)	339
Regulatory assessments recovered	0	3	0	109
Other income	329	140	349	271
Total revenue	16,823	14,176	31,565	27,300
Expenses:
Losses and LAE	7,136	7,818	12,864	16,265
Operating and underwriting expenses	2,371	2,544	4,781	5,257
Salaries and wages	1,995	1,891	4,206	4,089
Policy acquisition costs - amortization	2,981	3,039	5,729	5,978
Total expenses	14,483	15,292	27,580	31,589
Income (loss) before provision for income tax expense (benefit)	2,340	(1,116)	3,985	(4,289)
Provision for income tax expense (benefit)	918	(311)	1,491	(1,477)
Net income (loss)	$ 1,422	$ (805)	$ 2,494	$ (2,812)
Net income (loss) per share - basic (in dollars per share)	$ 0.18	$ (0.1)	$ 0.31	$ (0.35)
Net income (loss) per share - diluted (in dollars per share)	$ 0.18	$ (0.1)	$ 0.31	$ (0.35)
Weighted average number of common shares outstanding - basic (in shares)	7,947,252	7,946,384	7,946,820	7,946,384
Weighted average number of common shares outstanding - diluted (in shares)	7,993,763	7,946,384	7,979,084	7,946,384
Dividends paid per share (in dollars per share)	$ 0	$ 0	$ 0	$ 0