Consolidated Balance Sheets (USD $)	Jun. 30, 2013	Dec. 31, 2012
Investments in securities:
Fixed maturities, available-for-sale, at fair value (amortized cost: 2013: $70,909,769; 2012: $75,573,673)	$ 75,228,040	$ 81,936,978
Equity securities, available-for-sale, at fair value (cost: 2013: $21,203,886; 2012: $21,229,114)	31,208,595	28,510,933
Short-term investments	16,078,465	13,567,648
Other investments	7,216,155	6,763,100
Total investments	129,731,255	130,778,659
Cash and cash equivalents	26,402,136	20,810,018
Premium and fees receivable (less allowance for doubtful accounts: 2013: $2,121,045; 2012: $1,902,581)	10,807,083	11,037,714
Accrued interest and dividends	915,703	1,037,447
Prepaid expenses and other assets	8,053,251	4,651,115
Property, net	3,844,487	3,603,323
Current income taxes recoverable	771,419	0
Total Assets	180,525,334	171,918,276
Liabilities:
Reserves for claims	38,767,000	39,078,000
Accounts payable and accrued liabilities	16,825,629	15,477,545
Current income taxes payable	0	1,336,824
Deferred income taxes, net	2,647,827	893,156
Total liabilities	58,240,456	56,785,525
Commitments and Contingencies
Redeemable Noncontrolling Interest	485,025	493,861
Stockholders' Equity:
Preferred stock (1,000,000 authorized shares; no shares issued)	0	0
Common stock - no par value (10,000,000 authorized shares; 2,073,648 and 2,043,359 shares issued and outstanding 2013 and 2012, respectively, excluding 291,676 shares for 2013 and 2012 of common stock held by the Company’s subsidiary)	1	1
Retained earnings	112,538,851	105,820,459
Accumulated other comprehensive income	9,261,001	8,818,430
Total stockholders' equity	121,799,853	114,638,890
Total Liabilities and Stockholders' Equity	$ 180,525,334	$ 171,918,276