Consolidated Statements Of Cash Flows (USD $)	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2010
Operating Activities
Net income	$ 6,933,936	$ 6,372,626
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	475,679	508,450
Amortization, net	338,967	343,397
Amortization related to postretirement benefits obligation	12,720	22,961
Share-based compensation expense related to stock options	213,514	216,669
Decrease in allowance for doubtful accounts on premiums receivable	(203,000)	(65,000)
Net (gain) loss on disposals of property	(26,528)	6,774
Net realized gain on investments	(28,559)	(654,674)
Net earnings from other investments	(749,688)	(987,632)
Provision for claims	3,342,427	4,435,066
Provision for deferred income taxes	21,000	832,000
Changes in assets and liabilities:
Decrease (increase) in receivables	646,786	(2,018,310)
Decrease (increase) in other assets	77,056	(902,187)
Increase in accounts payable and accrued liabilities	1,913,799	1,456,661
(Decrease) increase in current income taxes payable	(415,823)	386,066
Payments of claims, net of recoveries	(3,545,127)	(5,726,366)
Net cash provided by operating activities	9,007,159	4,226,501
Investing Activities
Purchases of available-for-sale securities	(15,318,418)	(16,047,885)
Purchases of short-term securities	(1,883,562)	(10,371,686)
Purchases of other investments	(853,599)	(560,602)
Proceeds from sales and maturities of available-for-sale securities	9,851,523	18,497,720
Proceeds from maturities of held-to-maturity securities		2,000
Proceeds from sales and maturities of short-term securities	14,974,850	3,885,570
Proceeds from sales and distributions of other investments	861,865	923,013
Purchases of property	(361,207)	(317,530)
Proceeds from disposals of property	31,157	24,713
Net cash provided (used in) investing activities	7,302,609	(3,964,687)
Financing Activities
Repurchases of common stock	(5,940,463)	(378,770)
Exercise of options	155,163	140,500
Dividends paid	(599,241)	(639,734)
Net cash used in financing activities	(6,384,541)	(878,004)
Net Increase (Decrease) in Cash and Cash Equivalents	9,925,227	(616,190)
Cash and Cash Equivalents, Beginning of Year	8,117,031	8,733,221
Cash and Cash Equivalents, End of Year	18,042,258	8,117,031
Supplemental Disclosures
Cash Paid During the Year for Income Taxes, payments, net	2,963,000	1,079,000
Non cash net unrealized gain on investments, net of deferred tax provision of $(969,710) and $(461,281) for 2011 and 2010, respectively	(1,888,025)	(835,374)
Adjustments to postretirement benefits obligation, net of deferred tax (provision) benefit of $(39,130) and $55,591 for 2011 and 2010, respectively	$ 75,959	$ (107,913)