Consolidated Balance Sheets (USD $)	Sep. 30, 2011	Dec. 31, 2010
Assets:
Fixed maturities, available-for-sale, at fair value (amortized cost: 2011: $77,394,287; 2010: $81,784,262)	$ 83,603,960	$ 86,033,557
Equity securities, available-for-sale, at fair value (cost: 2011: $14,693,945; 2010: $9,458,773)	17,770,019	13,872,370
Short-term investments	21,723,492	27,203,550
Other investments	3,104,683	2,888,958
Total investments	126,202,154	129,998,435
Cash and cash equivalents	14,692,102	8,117,031
Premium and fees receivable (less allowance for doubtful accounts: 2011: $1,306,000; 2010: $1,421,000)	6,606,031	7,253,786
Accrued interest and dividends	913,234	1,150,602
Prepaid expenses and other assets	2,941,765	2,816,661
Property, net	3,635,006	3,672,317
Current income taxes recoverable	506,717
Deferred income taxes, net		476,534
Total Assets	155,497,009	153,485,366
Liabilities and Stockholders' Equity
Reserves for claims	37,548,000	38,198,700
Accounts payable and accrued liabilities	13,141,854	10,301,495
Current income taxes payable		1,056,356
Deferred income taxes, net	958,657
Total liabilities	51,648,511	49,556,551
Commitments and Contingencies
Stockholders' Equity:
Common stock - no par value (shares authorized 10,000,000; 2,121,630 and 2,282,596 shares issued and outstanding 2011 and 2010, respectively, excluding 291,676 shares for 2011 and 2010, respectively, of common stock held by the Company's subsidiary)	1	1
Retained earnings	97,729,595	98,240,109
Accumulated other comprehensive income	6,118,902	5,688,705
Total stockholders' equity	103,848,498	103,928,815
Total Liabilities and Stockholders' Equity	155,497,009	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)