DISCLOSURES ABOUT THE FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) (USD $)	3 Months Ended	12 Months Ended
Mar. 31, 2013 Security	Dec. 31, 2012 Security
Liabilities [Abstract]
Basis points added over fair value input discount rate (in hundredths)	0.50%	0.50%
Period for surplus notes included in assumptions	25 years	25 years
Period after which rate is adjusted	5 years	5 years
ASSETS [Abstract]
Number of equity securities that are reported as level-3 fair value measurement	1	1
Fair value of securities obtained from SVO of NAIC	$ 2,401	$ 2,401
Number of fixed maturity securities not priced by independent pricing service	2	3
Carrying amount [Member]
Fixed maturity securities available-for-sale [Abstract]
U.S. treasury	4,970,799	4,984,902
U.S. government-sponsored agencies	161,772,309	162,442,630
Obligations of state and political subdivisions	363,157,080	370,962,114
Commercial mortgage-backed	72,673,740	80,349,182
Residential mortgage-backed	60,165,897	47,789,604
Other asset-backed	10,610,721	11,286,848
Corporate	320,763,813	321,979,577
Total fixed maturity securities available-for-sale	994,114,359	999,794,857
Common Stock [Abstract]
Financial services	23,704,631	18,093,388
Information technology	14,927,793	16,925,764
Healthcare	21,191,636	19,023,849
Consumer staples	16,159,278	13,609,527
Consumer discretionary	17,599,933	17,090,547
Energy	23,261,841	19,430,330
Industrials	9,926,315	8,574,816
Other	20,204,612	18,681,440
Non-redeemable preferred stocks	8,934,759	8,864,164
Total equity securities available-for-sale	155,910,798	140,293,825
Short term investments	60,946,630	53,418,914
Liabilities [Abstract]
Surplus notes	25,000,000	25,000,000
Estimated fair value [Member]
Fixed maturity securities available-for-sale [Abstract]
U.S. treasury	4,970,799	4,984,902
U.S. government-sponsored agencies	161,772,309	162,442,630
Obligations of state and political subdivisions	363,157,080	370,962,114
Commercial mortgage-backed	72,673,740	80,349,182
Residential mortgage-backed	60,165,897	47,789,604
Other asset-backed	10,610,721	11,286,848
Corporate	320,763,813	321,979,577
Total fixed maturity securities available-for-sale	994,114,359	999,794,857
Common Stock [Abstract]
Financial services	23,704,631	18,093,388
Information technology	14,927,793	16,925,764
Healthcare	21,191,636	19,023,849
Consumer staples	16,159,278	13,609,527
Consumer discretionary	17,599,933	17,090,547
Energy	23,261,841	19,430,330
Industrials	9,926,315	8,574,816
Other	20,204,612	18,681,440
Non-redeemable preferred stocks	8,934,759	8,864,164
Total equity securities available-for-sale	155,910,798	140,293,825
Short term investments	60,946,630	53,418,914
Liabilities [Abstract]
Surplus notes	10,738,321	18,835,954
Recurring [Member]
Fixed maturity securities available-for-sale [Abstract]
U.S. treasury	4,970,799	4,984,902
U.S. government-sponsored agencies	161,772,309	162,442,630
Obligations of state and political subdivisions	363,157,080	370,962,114
Commercial mortgage-backed	72,673,740	80,349,182
Residential mortgage-backed	60,165,897	47,789,604
Other asset-backed	10,610,721	11,286,848
Corporate	320,763,813	321,979,577
Total fixed maturity securities available-for-sale	994,114,359	999,794,857
Common Stock [Abstract]
Financial services	23,704,631	18,093,388
Information technology	14,927,793	16,925,764
Healthcare	21,191,636	19,023,849
Consumer staples	16,159,278	13,609,527
Consumer discretionary	17,599,933	17,090,547
Energy	23,261,841	19,430,330
Industrials	9,926,315	8,574,816
Other	20,204,612	18,681,440
Non-redeemable preferred stocks	8,934,759	8,864,164
Total equity securities available-for-sale	155,910,798	140,293,825
Short term investments	60,946,630	53,418,914
Not Reported at Fair Value [Member]
Liabilities [Abstract]
Surplus notes	$ 10,738,321	$ 18,835,954

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