Consolidated Balance Sheets (USD $)	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010	Dec. 31, 2011 Scenario, Actual [Member]	Dec. 31, 2010 Scenario, Actual [Member]	Dec. 31, 2009 Scenario, Actual [Member]
Investments
Fixed maturity securities available-for-sale, at fair value (amortized cost of $107,095 at December 31, 2012 and $92,311 at December 31, 2011)	$ 110,641,000			$ 93,509,000	$ 85,786,000
Equity securities available-for-sale, at fair value (cost of $6,082 at December 31, 2012 and $1,203 at December 31, 2011)	6,220,000			1,219,000	1,935,000
Short-term investments	1,222,000			1,070,000	1,170,000
Total investments	118,083,000			95,798,000	88,891,000
Cash and cash equivalents	15,209,000	31,339,000		31,339,000	43,389,000	29,940,000
Restricted cash	31,142,000			14,180,000	15,722,000
Accrued investment income	1,235,000			929,000	880,000
Notes receivable, net	11,290,000			3,603,000	1,485,000
Accounts and premiums receivable, net	27,026,000			19,690,000	17,023,000
Other receivables	13,511,000			9,465,000	7,632,000
Reinsurance receivables	203,988,000			194,740,000	169,382,000
Deferred acquisition costs	79,165,000		4,900,000	55,628,000	58,700,000
Property and equipment, net	17,946,000	15,314,000		15,314,000	11,996,000
Goodwill	119,512,000			104,888,000	74,430,000
Other intangible assets, net	79,340,000			54,410,000	39,997,000
Income Taxes Receivable	2,897,000			0	818,000
Other assets	7,667,000			5,369,000	4,857,000
Total assets	728,011,000			605,353,000	535,202,000
Liabilities:
Unpaid claims	33,007,000			32,583,000	32,693,000
Unearned premiums	235,900,000			227,929,000	210,430,000
Policyholder account balances	26,023,000			28,040,000
Accrued expenses, accounts payable and other liabilities	58,563,000			33,982,000	41,579,000
Income taxes payable	0			1,344,000	25,611,000
Deferred revenue	70,452,000			22,420,000	36,713,000
Notes payable	89,438,000	73,000,000		73,000,000	35,000,000
Preferred trust securities	35,000,000			35,000,000	11,040,000
Deferred income taxes, net	28,658,000	23,969,000		23,969,000	22,436,000
Total liabilities	577,041,000			478,267,000	415,502,000
Commitments and Contingencies (Note 23)
Stockholders' Equity:
Preferred stock, par value $0.01; 10,000,000 shares authorized; none issued	0			0	0
Common stock, par value $0.01; 150,000,000 shares authorized; 20,710,370 and 20,561,328 shares issued at December 31, 2012 and 2011, respectively, including shares in treasury	207,000			206,000	203,000
Treasury stock, at cost; 1,024,212 shares and 516,132 shares at December 31, 2012 and 2011, respectively	(6,651,000)			(2,728,000)	(176,000)
Additional paid-in capital	97,641,000			96,199,000	95,556,000
Accumulated other comprehensive loss income, net of tax	(631,000)			(1,754,000)	2,293,000
Retained earnings	49,817,000		3,200,000	34,652,000	21,142,000
Stockholders' equity before non-controlling interest	140,383,000			126,575,000	119,018,000
Non-controlling interests	10,587,000			511,000	682,000
Total stockholders' equity	150,970,000	127,086,000	119,701,000	127,086,000	119,700,000
Total liabilities and stockholders' equity	$ 728,011,000			$ 605,353,000	$ 535,202,000