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CONDENSED CONSOLIDATED STATEMENTS OF INCOME (USD $)
In Thousands, except Share data, unless otherwise specified
 3 Months Ended 9 Months Ended
Sep. 30, 2013
Sep. 30, 2012
Sep. 30, 2013
Sep. 30, 2012
Revenues        
Gross premiums written $ 86,137 $ 77,283 $ 281,075 $ 247,683
Ceded premiums written (4,519) (4,032) (13,576) (11,907)
Net premiums written 81,618 73,251 267,499 235,776
Net premiums earned 81,596 72,425 243,288 211,948
Net investment income 6,947 6,801 20,266 20,320
Net realized gains/(losses) on investments (654) 985 (1,921) 2,913
Fee and other income 114 163 393 484
Total revenues 88,003 80,374 262,026 235,665
Expenses        
Loss and loss adjustment expenses incurred 57,046 53,851 169,860 162,414
Underwriting and certain other operating costs 6,634 6,128 21,472 15,338
Commissions 6,176 5,405 18,569 16,099
Salaries and benefits 5,662 4,962 16,971 15,120
Interest expense   80   566
Policyholder dividends 38 945 980 1,659
Total expenses 75,556 71,371 227,852 211,196
Income before income taxes 12,447 9,003 34,174 24,469
Income tax expense 2,748 1,882 7,980 4,342
Net income 9,699 7,121 26,194 20,127
Net income available to common shareholders $ 9,673 $ 7,116 $ 26,122 $ 20,116
Earnings per share        
Basic $ 0.53 $ 0.39 $ 1.42 $ 1.11
Diluted $ 0.52 $ 0.38 $ 1.39 $ 1.08
Shares used in computing earnings per share        
Basic 18,395,971 18,173,062 18,343,901 18,154,768
Diluted 18,758,346 18,580,083 18,730,729 18,583,079
Cash dividends declared per common share $ 0.08   $ 0.24