Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
Cash flows (used in) provided by operating activities:
Net income	$ 1,773,565	$ 1,120,124
Adjustments to reconcile net income to net cash provided by operations:
Gain on sale of investments	(111,545)	(357,006)
Depreciation and amortization	447,372	457,264
Amortization of bond premium, net	88,127	162,990
Stock-based compensation	39,125	85,571
Deferred income tax expense	(270,865)	(402,447)
(Increase) decrease in assets:
Premiums receivable, net	(1,074,941)	(1,036,447)
Receivables - reinsurance contracts	(933,588)	489,413
Reinsurance receivables, net	(3,301,475)	(4,923,362)
Deferred acquisition costs	(861,874)	(796,055)
Other assets	(446,020)	860,804
Increase (decrease) in liabilities:
Loss and loss adjustment expenses	3,802,428	3,661,655
Unearned premiums	4,026,336	3,824,216
Advance premiums	(47,518)	226,783
Reinsurance balances payable	403,020	1,815,918
Deferred ceding commission revenue	679,873	638,307
Accounts payable, accrued expenses and other liabilities	(1,258,932)	(37,087)
Net cash flows provided by operating activities	2,953,088	5,790,641
Cash flows provided by (used in) investing activities:
Purchase - fixed-maturity securities available for sale	(2,264,507)	(4,372,917)
Purchase - equity securities	(1,873,253)	(2,570,333)
Sale or maturity - fixed-maturity securities available for sale	2,766,758	3,034,295
Sale - equity securities	1,001,247	1,362,700
Recovery of loss from failed bank		133,211
Collections of notes receivable and accrued interest - sale of businesses	62,304	304,602
Other investing activities	(84,709)	(148,601)
Net cash flows used in investing activities	(392,160)	(2,257,043)
Cash flows used in financing activities:
Proceeds from line of credit	465,000
Principal payments on line of credit	(415,000)
Principal payments on long-term debt (includes $407,000 to related parties)		(713,997)
Proceeds from exercise of stock options	47,074
Withholding taxes paid on cashless exercise of stock options	(103,593)
Tax benefit from exercise of stock options	118,070
Purchase of treasury stock	(17,710)
Dividends paid	(380,046)	(115,153)
Net cash flows used in financing activities	(286,205)	(829,150)
Increase in cash and cash equivalents	2,274,723	2,704,448
Cash and cash equivalents, beginning of period	173,126	326,620
Cash and cash equivalents, end of period	2,447,849	3,031,068
Supplemental disclosures of cash flow information:
Cash paid for income taxes	1,853,000	458,871
Cash paid for interest	$ 78,122	$ 172,964