Segments (Tables)

12 Months Ended

Dec. 31, 2012

Segment Reporting, Disclosure of Entity's Reportable Segments [Abstract]

Schedule of Segment Reporting Information, by Segment

Premium revenues and operating income by industry segment for the years ended December 31, 2012 and 2011 are summarized below (dollars in thousands):

Year ended December 31, 2012	Total			P&C Insurance Operations		Life Insurance Operations		Non-Insurance Operations
REVENUE
Net premiums earned	$	51,815		$	45,206	$	6,609	$	—
Net investment income	4,227			2,107		2,029		91
Net realized investment gains	2,790			1,083		1,635		72
Other income	720			718		2		—
	59,552			49,114		10,275		163
BENEFITS AND EXPENSES
Policyholder benefits paid	34,105			28,811		5,294		—
Amortization of deferred policy acquisition costs	3,711			2,773		938		—
Commissions	7,556			7,088		468		—
General and administrative expenses	8,790			6,262		2,009		519
Litigation settlement and defense costs	13,328			—		—		13,328
Taxes, licenses and fees	1,846			1,628		218		—
Interest expense	1,280			—		53		1,227
	70,616			46,562		8,980		15,074
Income (Loss) Before Income Taxes	$	(11,064	)	$	2,552	$	1,295	$	(14,911	)

Year ended December 31, 2011	Total			P&C Insurance Operations			Life Insurance Operations			Non-Insurance Operations
REVENUE
Net premiums earned	$	56,243		$	49,373		$	6,870		$	—
Net investment income	4,261			2,246			1,939			76
Net realized investment gains (losses)	669			666			43			(40		)
Other income	919			916			3			—
	62,092			53,201			8,855			36
BENEFITS AND EXPENSES
Policyholder benefits paid	44,025			38,836			5,189			—
Amortization of deferred policy acquisition costs	4,020			3,246			774			—
Commissions	8,148			7,615			533			—
General and administrative expenses	8,834			6,322			2,081			431
Litigation settlement and defense costs	1,626			—			—			1,626
Taxes, licenses and fees	1,885			1,569			316			—
Interest expense	1,153			2			60			1,091
	69,691			57,590			8,953			3,148
Income (Loss) Before Income Taxes	$	(7,599	)	$	(4,389	)	$	(98	)	$	(3,112	)

Schedule of Gross and Net Premiums Written

The following table presents the Company’s gross and net premiums written for the property and casualty segment and the life and accident and health segment for the years ended December 31, 2012 and 2011, respectively:

	Year Ended
	December 31,
	2012			2011
Life, accident and health operations premiums written:
Traditional life insurance	$	4,936		$	5,034
Accident and health insurance	1,870			1,915
Total life, accident and health	6,806			6,949
Property and Casualty operations premiums written:
Dwelling fire & extended coverage	28,161			26,209
Homeowners (Including mobile homeowners)	22,867			24,268
Ocean marine	981			1,218
Other liability	1,471			1,312
Private passenger auto liability	37			1,713
Commercial auto liability	6			363
Auto physical damage	21			692
Total property and casualty	53,544			55,775
Gross premiums written	60,350			62,724
Reinsurance premium ceded	(8,336		)	(7,654		)
Net premiums written	$	52,014		$	55,070

Schedule of Gross and Net Premiums Earned

The following table presents the Company’s gross and net premiums earned for the property and casualty segment and the life and accident and health segment for the years ended December 31, 2012 and 2011, respectively:

	Year Ended
	December 31,
	2012			2011
Life, accident and health operations premiums earned:
Traditional life insurance	$	4,818		$	5,008
Accident and health insurance	1,864			1,918
Total life, accident and health	6,682			6,926
Property and Casualty operations premiums earned:
Dwelling fire & extended coverage	27,206			26,250
Homeowners (Including mobile homeowners)	23,287			24,910
Ocean marine	1,090			1,205
Other liability	1,412			1,257
Private passenger auto liability	319			2,154
Commercial auto liability	6			363
Auto physical damage	149			839
Total property and casualty	53,469			56,978
Gross premiums earned	60,151			63,904
Reinsurance premium ceded	(8,336		)	(7,661		)
Net premiums earned	$	51,815		$	56,243