Consolidated Statements Of Cash Flows (USD $)	9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
Operating Activities
Net income	$ 5,054,477	$ 4,004,076
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	360,820	384,601
Amortization, net	250,728	251,456
Amortization related to postretirement benefits obligation	9,540	17,220
Share-based compensation expense related to stock options	159,783	163,739
Decrease in allowance for doubtful accounts on premiums receivable	(115,000)	(53,000)
Net gain on disposals of property	(26,528)	(2,870)
Net realized loss (gain) on investments	79,172	(306,066)
Net earnings from other investments	(396,487)	(506,448)
Provision for claims	2,301,259	3,244,341
Provision for deferred income taxes	1,233,000	1,718,000
Changes in assets and liabilities:
Decrease (increase) in receivables	762,755	(1,419,857)
Decrease in other assets	73,731	305,154
Increase in current income taxes recoverable	(506,717)	(1,047,057)
Increase in accounts payable and accrued liabilities	2,840,359	434,167
Decrease in current income taxes payable	(1,056,356)	(670,290)
Payments of claims, net of recoveries	(2,951,959)	(4,669,341)
Net cash provided by operating activities	8,072,577	1,847,825
Investing Activities
Purchases of available-for-sale securities	(8,610,912)	(11,970,880)
Purchases of short-term securities	(4,592,762)	(9,695,660)
Purchases of other investments	(341,117)	(416,100)
Proceeds from sales and maturities of available-for-sale securities	7,503,245	11,630,860
Proceeds from maturities of held-to-maturity securities		2,000
Proceeds from sales and maturities of short-term securities	10,072,820	5,640,859
Proceeds from sales and distributions of other investments	492,975	512,903
Purchases of property	(328,138)	(163,343)
Proceeds from disposals of property	31,157	17,200
Net cash provided by (used) in investing activities	4,227,268	(4,442,161)
Financing Activities
Repurchases of common stock	(5,426,478)	(330,683)
Exercise of options	152,526	139,000
Dividends paid	(450,822)	(479,861)
Net cash used in financing activities	(5,724,774)	(671,544)
Net Increase (Decrease) in Cash and Cash Equivalents	6,575,071	(3,265,880)
Cash and Cash Equivalents, Beginning of Period	8,117,031	8,733,221
Cash and Cash Equivalents, End of Period	14,692,102	5,467,341
Supplemental Disclosures:
Income Taxes, payments, net	2,125,000	1,075,000
Non cash net unrealized gain on investments, net of deferred tax provision of $(198,953) and $(896,219) for 2011 and 2010, respectively	$ (423,901)	$ (1,696,289)