Consolidated Balance Sheets (USD $)	Sep. 30, 2012	Dec. 31, 2011
Investments in securities
Fixed maturities, available-for-sale, at fair value (amortized cost: 2012: $78,228,525; 2011: $78,783,968)	$ 85,167,066	$ 85,407,365
Equity securities, available-for-sale, at fair value (cost: 2012: $20,179,479; 2011: $17,652,745)	28,081,485	22,549,975
Short-term investments	11,231,113	14,112,262
Other investments	5,925,020	3,631,714
Total investments	130,404,684	125,701,316
Cash and cash equivalents	19,982,759	18,042,258
Premium and fees receivable (less allowance for doubtful accounts: 2012: $1,712,000; 2011: $1,218,000)	10,208,947	6,810,000
Accrued interest and dividends	919,443	1,108,156
Prepaid expenses and other assets	4,938,693	2,743,517
Property, net	3,555,510	3,553,216
Total Assets	170,010,036	157,958,463
Liabilities:
Reserves for claims	39,006,000	37,996,000
Accounts payable and accrued liabilities	13,869,604	12,330,383
Current income taxes payable	283,595	640,533
Deferred income taxes, net	2,701,940	479,363
Total liabilities	55,861,139	51,446,279
Commitments and Contingencies
Redeemable Noncontrolling Interest	550,193	0
Stockholders' Equity:
Common stock - no par value (shares authorized 10,000,000; 2,062,604 and 2,107,681 shares issued and outstanding 2012 and 2011, respectively, excluding 291,676 shares for 2012 and 2011 of common stock held by the Company's subsidiary)	1	1
Retained earnings	103,908,636	99,003,018
Accumulated other comprehensive income	9,690,067	7,509,165
Total stockholders' equity	113,598,704	106,512,184
Total Liabilities and Stockholders' Equity	170,010,036	157,958,463
Class A Junior Participating Preferred Stock [Member]
Stockholders' Equity:
Class A Junior Participating preferred stock (shares authorized 100,000; no shares issued)	$ 0	$ 0