Consolidated Balance Sheets (USD $)	Dec. 31, 2011	Dec. 31, 2010
Assets:
Fixed maturities, available-for-sale, at fair value (amortized cost: 2011: $78,783,968; 2010: $81,784,262)	$ 85,407,365	$ 86,033,557
Equity securities, available-for-sale, at fair value (cost: 2011: $17,652,745; 2010: $9,458,773)	22,549,975	13,872,370
Short-term investments	14,112,262	27,203,550
Other investments	3,631,714	2,888,958
Total investments	125,701,316	129,998,435
Cash and cash equivalents	18,042,258	8,117,031
Premium and fees receivable (less allowance for doubtful accounts: 2011: $1,218,000; 2010: $1,421,000)	6,810,000	7,253,786
Accrued interest and dividends	1,108,156	1,150,602
Prepaid expenses and other assets	2,743,517	2,816,661
Property, net	3,553,216	3,672,317
Deferred income taxes, net		476,534
Total Assets	157,958,463	153,485,366
Liabilities and Stockholders' Equity
Reserves for claims	37,996,000	38,198,700
Accounts payable and accrued liabilities	12,330,383	10,301,495
Current income taxes payable	640,533	1,056,356
Deferred income taxes, net	479,363
Total liabilities	51,446,279	49,556,551
Commitments and Contingencies
Stockholders' Equity
Common stock-no par value (shares authorized 10,000,000; 2,107,681 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	99,003,018	98,240,109
Accumulated other comprehensive income	7,509,165	5,688,705
Total stockholders' equity	106,512,184	103,928,815
Total Liabilities and Stockholders' Equity	157,958,463	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)