Consolidated Statements Of Cash Flows (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Operating Activities
Net income	$ 14,796,738	$ 11,190,907	$ 6,933,936
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Depreciation	669,727	486,922	475,679
Amortization, net	507,111	468,006	338,967
Amortization related to postretirement benefits obligation	4,765	10,076	12,720
Share-based compensation expense related to stock options	83,852	74,553	213,514
Increase (decrease) in allowance for doubtful accounts on premiums receivable	718,322	684,581	(203,000)
Net loss (gain) on disposals of property	7,831	(28,538)	(26,528)
Net realized gain on investments	(195,800)	(1,066,239)	(28,559)
Net earnings from other investments	(1,257,266)	(1,674,594)	(749,688)
(Benefit) provision for claims	(571,596)	6,072,115	3,342,427
Provision (benefit) for deferred income taxes	1,804,000	(292,000)	21,000
Excess tax benefits related to exercise of stock options and SARs	946,605	22,101	0
Changes in assets and liabilities:
Decrease (increase) in receivables	1,569,167	(4,912,295)	646,786
(Increase) decrease in other assets	(2,906,224)	(407,252)	77,056
Increase in income taxes recoverable	(366,772)	0	0
Increase in accounts payable and accrued liabilities	4,923,858	2,372,995	1,913,799
(Decrease) increase in current income taxes payable	(1,336,824)	696,291	(415,823)
Payments of claims, net of recoveries	(3,146,404)	(4,990,115)	(3,545,127)
Net cash used in operating activities	16,251,090	8,707,514	9,007,159
Investing Activities
Purchases of available-for-sale securities	(23,466,037)	(15,899,439)	(15,318,418)
Purchases of short-term securities	(2,638,908)	(6,347,527)	(1,883,562)
Purchases of other investments	(1,369,210)	(3,441,412)	(853,599)
Capital contribution to subsidiaries	0	(350,000)	0
Proceeds from sales and maturities of available-for-sale securities	9,892,634	15,646,381	9,851,523
Proceeds from sales and maturities of short-term securities	8,280,183	6,892,141	14,974,850
Proceeds from sales and distributions of other investments	2,107,675	2,301,647	861,865
Proceeds from sales of other assets	40,366	220,455	0
Purchases of property	(1,424,108)	(568,728)	(361,207)
Proceeds from disposals of property	24,335	65,837	31,157
Net cash provided by investing activities	(8,553,070)	(1,480,645)	7,302,609
Financing Activities
Repurchases of common stock	(4,262,260)	(3,975,532)	(5,940,463)
Exercise of options	75,797	160,557	155,163
Distribution to noncontrolling interest	(36,900)	(40,800)	0
Dividends paid	(657,914)	(603,334)	(599,241)
Net cash used in financing activities	(4,881,277)	(4,459,109)	(6,384,541)
Net Increase in Cash and Cash Equivalents	2,816,743	2,767,760	9,925,227
Cash and Cash Equivalents, Beginning of Period	20,810,018	18,042,258	8,117,031
Cash and Cash Equivalents, End of Period	23,626,761	20,810,018	18,042,258
Cash Paid During the Year for:
Income tax payments, net	5,724,000	4,479,000	2,963,000
Non cash net unrealized gain on investments, net of deferred tax provision of $(1,288,951), $(730,555) and $(969,710) for 2013, 2012 and 2011, respectively	(2,474,873)	(1,393,943)	(1,888,025)
Adjustments to postretirement benefits obligation, net of deferred tax provision of $26,252, $(28,192) and $(39,130) for 2013, 2012 and 2011, respectively	(50,961)	54,726	75,959
Non cash intangible assets acquired from purchase of subsidiary	0	(1,481,900)	0
Non cash contingent liability from purchase of subsidiary	$ 0	$ 691,250	$ 0