Consolidated Statements Of Income (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Revenues:
Net premiums written	$ 23,986,592	$ 16,749,395	$ 63,303,202	$ 42,174,647
Investment income - interest and dividends	887,055	934,754	2,665,245	2,757,228
Net realized (loss) gain on investments	(200,087)	(44,864)	(79,172)	306,066
Other	1,443,310	1,522,399	3,968,828	3,839,920
Total Revenues	26,116,870	19,161,684	69,858,103	49,077,861
Operating Expenses:
Commissions to agents	15,161,823	8,632,083	39,335,237	20,707,910
Provision for claims	349,672	1,819,522	2,301,259	3,244,341
Salaries, employee benefits and payroll taxes	4,778,542	4,354,854	14,110,213	13,185,127
Office occupancy and operations	919,681	971,264	2,836,068	3,038,491
Business development	363,731	335,454	1,123,517	962,115
Filing fees, franchise and local taxes	79,638	241,774	411,897	534,473
Premium and retaliatory taxes	459,711	336,925	1,368,168	919,655
Professional and contract labor fees	412,227	334,973	1,132,308	1,038,845
Other	130,380	126,734	392,959	420,828
Total Operating Expenses	22,655,405	17,153,583	63,011,626	44,051,785
Income before Income Taxes	3,461,465	2,008,101	6,846,477	5,026,076
Provision for Income Taxes	1,021,000	559,000	1,792,000	1,022,000
Net Income	$ 2,440,465	$ 1,449,101	$ 5,054,477	$ 4,004,076
Basic Earnings per Common Share	$ 1.15	$ 0.63	$ 2.34	$ 1.75
Weighted Average Shares Outstanding - Basic	2,124,078	2,284,331	2,164,240	2,285,039
Diluted Earnings per Common Share	$ 1.14	$ 0.63	$ 2.32	$ 1.75
Weighted Average Shares Outstanding - Diluted	2,143,327	2,285,785	2,180,455	2,291,060
Cash Dividends Paid per Common Share	$ 0.07	$ 0.07	$ 0.21	$ 0.21