Consolidated Statements Of Income (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Revenues:
Net premiums written	$ 29,018,123	$ 23,986,592	$ 71,927,113	$ 63,303,202
Investment income - interest and dividends	962,573	887,055	2,949,752	2,665,245
Net realized gain (loss) on investments	99,790	(200,087)	357,819	(79,172)
Other	2,196,922	1,443,310	5,537,323	3,968,828
Total Revenues	32,277,408	26,116,870	80,772,007	69,858,103
Operating Expenses:
Commissions to agents	16,840,421	15,161,823	40,683,365	39,335,237
Provision for claims	2,432,057	349,672	4,424,523	2,301,259
Salaries, employee benefits and payroll taxes	5,597,634	4,778,542	16,077,373	14,110,213
Office occupancy and operations	954,876	919,681	2,919,749	2,836,068
Business development	488,401	363,731	1,286,566	1,123,517
Filing fees, franchise and local taxes	140,740	79,638	673,992	411,897
Premium and retaliatory taxes	423,626	459,711	1,312,906	1,368,168
Professional and contract labor fees	548,052	412,227	1,655,279	1,132,308
Other	133,686	130,380	455,499	392,959
Total Operating Expenses	27,559,493	22,655,405	69,489,252	63,011,626
Income before Income Taxes	4,717,915	3,461,465	11,282,755	6,846,477
Provision for Income Taxes	1,479,000	1,021,000	3,239,000	1,792,000
Net Income	3,238,915	2,440,465	8,043,755	5,054,477
Less: Net Income Attributable to Redeemable Noncontrolling Interests	80,730	0	103,943	0
Net Income Attributable to the Company	$ 3,158,185	$ 2,440,465	$ 7,939,812	$ 5,054,477
Basic Earnings per Common Share	$ 1.52	$ 1.15	$ 3.80	$ 2.34
Weighted Average Shares Outstanding - Basic	2,071,605	2,124,078	2,090,369	2,164,240
Diluted Earnings per Common Share	$ 1.50	$ 1.14	$ 3.74	$ 2.32
Weighted Average Shares Outstanding - Diluted	2,108,526	2,143,327	2,124,122	2,180,455
Cash Dividends Paid per Common Share	$ 0.07	$ 0.07	$ 0.21	$ 0.21