Consolidated Balance Sheets (USD $)	Mar. 31, 2014	Dec. 31, 2013
Investments in securities:
Fixed maturities, available-for-sale, at fair value (amortized cost: 2014: $86,681,267; 2013: $87,980,160)	$ 90,859,563	$ 91,445,413
Equity securities, available-for-sale, at fair value (cost: 2014: $23,045,751; 2013: $22,200,369)	36,286,771	36,144,065
Short-term investments	8,941,000	7,926,373
Other investments	7,485,688	7,247,831
Total investments	143,573,022	142,763,682
Cash and cash equivalents	20,592,694	23,626,761
Premium and fees receivable (less allowance for doubtful accounts: 2014: $3,000,909; 2013: $2,620,903)	7,480,771	8,750,224
Accrued interest and dividends	1,124,075	1,006,698
Prepaid expenses and other assets	7,163,324	7,466,141
Property, net	4,717,202	4,325,538
Current income taxes recoverable	676,045	366,772
Total Assets	185,327,133	188,305,816
Liabilities:
Reserves for claims	36,465,000	35,360,000
Accounts payable and accrued liabilities	15,490,419	20,324,190
Deferred income taxes, net	4,017,438	4,013,983
Total liabilities	55,972,857	59,698,173
Commitments and Contingencies	0	0
Redeemable Noncontrolling Interest	480,546	545,489
Stockholders' Equity:
Preferred stock (1,000,000 authorized shares; no shares issued)	0	0
Common stock - no par value (10,000,000 authorized shares; 2,036,831 and 2,037,135 shares issued and outstanding 2014 and 2013, respectively, excluding 291,676 shares for 2014 and 2013 of common stock held by the Company’s subsidiary)	1	1
Retained earnings	117,522,858	116,714,749
Accumulated other comprehensive income	11,350,871	11,347,404
Total stockholders' equity	128,873,730	128,062,154
Total Liabilities and Stockholders' Equity	$ 185,327,133	$ 188,305,816