SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND PRACTICES (Details) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2009
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND PRACTICES [Abstract]
Maximum number of months of maturities to be considered as short term investments	3 months
Number of workings days to issue policy from the date the cash and policy application are received	30 days
Number of days to consider, allowance for credit losses	90 days
Application fee per policy	$ 25
CONCENTRATION OF CREDIT RISK [Abstract]
Fees earned per policy	25
Percentage of gross written premium the managing general agency fees are traditionally (in hundredths)	6.00%
Percentage of gross written premiums the managing general agency fees minimum (in hundredths)	2.00%
Percentage of gross written premiums the managing general agency fees maximum (in hundredths)	4.00%
Number of compensation plans adopted	3
Stock-based employee compensation cost	0
Property, Plant and Equipment [Line Items]
Minimum limit for expenditure to be capitalized	1,000
Minimum useful life of asset to be capitalized	1 year
Impairment of property, plant and equipment	0
Finite-Lived Intangible Assets [Line Items]
Number of intangible assets purchased		1
Intangible asset purchased		$ 100,000
Minimum [Member]
Finite-Lived Intangible Assets [Line Items]
Definite finite life of intangible asset		6 months
Maximum [Member]
Finite-Lived Intangible Assets [Line Items]
Definite finite life of intangible asset		12 months
Building and Improvements [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives of property, plant and equipment	30 years
Furniture and Fixtures [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives of property, plant and equipment	7 years