Consolidated Balance Sheets (USD $)	Dec. 31, 2013	Dec. 31, 2012
Investments in securities:
Fixed maturities, available-for-sale, at fair value (amortized cost: 2013: $87,980,160; 2012: $75,573,673)	$ 91,445,413	$ 81,936,978
Equity securities, available-for-sale, at fair value (cost: 2013: $22,200,369; 2012: $21,229,114)	36,144,065	28,510,933
Short-term investments	7,926,373	13,567,648
Other investments	7,247,831	6,763,100
Total investments	142,763,682	130,778,659
Cash and cash equivalents	23,626,761	20,810,018
Premium and fees receivable (less allowance for doubtful accounts: 2013: $2,620,903; 2012: $1,902,581)	8,750,224	11,037,714
Accrued interest and dividends	1,006,698	1,037,447
Prepaid expenses and other assets	7,466,141	4,651,115
Property, net	4,325,538	3,603,323
Current income taxes recoverable	366,772	0
Total Assets	188,305,816	171,918,276
Liabilities:
Reserves for claims	35,360,000	39,078,000
Accounts payable and accrued liabilities	20,324,190	15,477,545
Current income taxes payable	0	1,336,824
Deferred income taxes, net	4,013,983	893,156
Total liabilities	59,698,173	56,785,525
Commitments and Contingencies	0	0
Redeemable Noncontrolling Interest	545,489	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; 2,037,135 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	116,714,749	105,820,459
Accumulated other comprehensive income	11,347,404	8,818,430
Total stockholders’ equity	128,062,154	114,638,890
Total Liabilities and Stockholders’ Equity	$ 188,305,816	$ 171,918,276