Consolidated Statements Of Income (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Revenues:
Net premiums written	$ 21,451,022	$ 13,638,950	$ 39,316,610	$ 25,425,252
Investment income - interest and dividends	878,818	915,852	1,778,190	1,822,474
Net realized gain on investments	147,075	325,780	120,915	350,930
Other	1,242,298	1,338,184	2,525,518	2,317,521
Total Revenues	23,719,213	16,218,766	43,741,233	29,916,177
Operating Expenses:
Commissions to agents	13,293,828	6,476,376	24,173,414	12,075,827
Provision for claims	1,229,961	112,415	1,951,587	1,424,819
Salaries, employee benefits and payroll taxes	4,639,675	4,345,961	9,331,671	8,830,273
Office occupancy and operations	952,460	978,822	1,916,387	2,067,227
Business development	372,239	352,365	759,786	626,661
Filing fees, franchise and local taxes	118,146	147,277	332,259	292,699
Premium and retaliatory taxes	502,984	281,784	908,457	582,730
Professional and contract labor fees	411,557	338,794	720,081	703,872
Other	159,558	182,412	262,579	294,094
Total Operating Expenses	21,680,408	13,216,206	40,356,221	26,898,202
Income Before Income Taxes	2,038,805	3,002,560	3,385,012	3,017,975
Provision For Income Taxes	444,000	465,000	771,000	463,000
Net Income	$ 1,594,805	$ 2,537,560	$ 2,614,012	$ 2,554,975
Basic Earnings Per Common Share	$ 0.75	$ 1.11	$ 1.20	$ 1.12
Weighted Average Shares Outstanding - Basic	2,134,164	2,285,653	2,184,323	2,285,392
Diluted Earnings Per Common Share	$ 0.74	$ 1.11	$ 1.19	$ 1.11
Weighted Average Shares Outstanding - Diluted	2,155,116	2,293,199	2,201,398	2,293,232
Cash Dividends Paid Per Common Share	$ 0.07	$ 0.07	$ 0.14	$ 0.14