Consolidated Statements Of Cash Flows (USD $)	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
Operating Activities
Net income	$ 8,043,755	$ 5,054,477
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	348,334	360,820
Amortization, net	320,666	250,728
Amortization related to postretirement benefits obligation	7,558	9,540
Share-based compensation expense related to stock options	55,857	159,783
Increase (decrease) in allowance for doubtful accounts on premiums receivable	494,000	(115,000)
Net gain on disposals of property	(23,076)	(26,528)
Net realized (gain) loss on investments	(357,819)	79,172
Net earnings from other investments	(1,211,188)	(396,487)
Provision for claims	4,424,523	2,301,259
Provision for deferred income taxes	1,076,000	1,233,000
Changes in assets and liabilities:
(Increase) decrease in receivables	(3,892,948)	762,755
(Increase) decrease in other assets	(524,563)	73,731
Increase in current income taxes recoverable	0	(506,717)
Increase in accounts payable and accrued liabilities	847,971	2,840,359
Decrease in current income taxes payable	(356,938)	(1,056,356)
Payments of claims, net of recoveries	(3,414,523)	(2,951,959)
Net cash provided by operating activities	5,837,609	8,072,577
Investing Activities
Purchases of available-for-sale securities	(14,000,215)	(8,610,912)
Purchases of short-term securities	(5,434,469)	(4,592,762)
Purchases of other investments	(2,460,907)	(341,117)
Purchase of subsidiary	(350,000)	0
Proceeds from sales and maturities of available-for-sale securities	11,860,920	7,503,245
Proceeds from sales and maturities of short-term securities	8,315,618	10,072,820
Proceeds from sales and distributions of other investments	1,379,198	492,975
Proceeds from sale of other assets	204,750	0
Purchases of property	(373,045)	(328,138)
Proceeds from disposals of property	51,093	31,157
Net cash (used in) provided by in investing activities	(807,057)	4,227,268
Financing Activities
Repurchases of common stock	(2,804,412)	(5,426,478)
Exercise of options	152,792	152,526
Dividends paid	(438,431)	(450,822)
Net cash used in financing activities	(3,090,051)	(5,724,774)
Net Increase in Cash and Cash Equivalents	1,940,501	6,575,071
Cash and Cash Equivalents, Beginning of Period	18,042,258	8,117,031
Cash and Cash Equivalents, End of Period	19,982,759	14,692,102
Cash Paid During the Year for:
Income taxes, payments, net	2,523,000	2,125,000
Non-Cash Disclosures
Non-cash net unrealized gain on investments, net of deferred tax provision of $(1,144,006) and $(198,953) for 2012 and 2011, respectively	(2,175,915)	(423,901)
Non-cash intangible assets acquired from purchase of subsidiary	(1,481,900)	0
Non-cash contingent liability from purchase of subsidiary	$ 691,250	$ 0