Consolidated Balance Sheets (USD $)	Jun. 30, 2011	Dec. 31, 2010
Assets:
Fixed maturities, available-for-sale, at fair value (amortized cost: 2011: $79,192,609; 2010: $81,784,262)	$ 84,442,518	$ 86,033,557
Equity securities, available-for-sale, at fair value (cost: 2011: $10,214,982; 2010: $9,458,773)	15,268,038	13,872,370
Short-term investments	22,212,440	27,203,550
Other investments	2,995,116	2,888,958
Total investments	124,918,112	129,998,435
Cash and cash equivalents	12,652,920	8,117,031
Premiums and fees receivable, less allowance for doubtful accounts of $1,302,000 and $1,421,000 for 2011 and 2010, respectively	5,490,826	7,253,786
Accrued interest and dividends	1,114,632	1,150,602
Prepaid expenses and other assets	4,910,571	2,816,661
Property, net	3,574,593	3,672,317
Current income taxes recoverable	730,356
Deferred income taxes, net		476,534
Total Assets	153,392,010	153,485,366
Liabilities and Stockholders' Equity
Reserves for claims	37,605,000	38,198,700
Accounts payable and accrued liabilities	12,414,679	10,301,495
Current income taxes payable		1,056,356
Deferred income taxes, net	994,169
Total liabilities	51,013,848	49,556,551
Commitments and Contingencies
Stockholders' Equity:
Common stock - no par value (shares authorized 10,000,000; 2,127,735 and 2,282,596 shares issued and outstanding as of June 30, 2011 and December 31, 2010, respectively, excluding 291,676 shares for 2011 and 2010 of common stock held by the Company's subsidiary)	1	1
Retained earnings	95,599,613	98,240,109
Accumulated other comprehensive income	6,778,548	5,688,705
Total stockholders' equity	102,378,162	103,928,815
Total Liabilities and Stockholders' Equity	153,392,010	153,485,366
Class A Junior Participating Preferred Stock [Member]
Stockholders' Equity:
Class A Junior Participating preferred stock (shares authorized 100,000; no shares issued)