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Long-Term Debt (Details Textual) (USD $) | 12 Months Ended |  | 12 Months Ended |  |  |  | 12 Months Ended
--- | --- | --- | --- | --- | --- | --- | ---
Dec. 31, 2012 | Dec. 31, 2011 | Dec. 31, 2010 | Jun. 30, 2008 | Dec. 31, 2012 Surplus Note [Member] | Dec. 31, 2007 Surplus Note [Member] | Dec. 31, 2011 Surplus Note [Member] | Dec. 31, 2010 Surplus Note [Member] | Sep. 11, 2006 Surplus Note [Member] | Dec. 31, 2012 Surplus Note [Member] Hurricane [Member]
Long Term Debt (Textual) [Abstract] |  |  |  |  |  |  |  |  |  |
Surplus note with the SBA under the ICBUI program |  |  |  |  |  |  |  |  | $ 25,000,000 |
Effective interest rate paid on the surplus note |  |  |  |  | 1.96% |  | 3.77% | 3.35% |  |
Principal repayments of Surplus Note | 1,500,000 | 1,500,000 | 1,500,000 |  | 368,000 |  |  |  |  |
Maturity year of debt instrument |  |  |  |  | through 2026 |  |  |  |  |
Drops below a net written premium to surplus ratio |  |  |  |  | 100.00% |  |  |  |  |
Gross written premium to surplus ratio |  |  |  |  | 300.00% |  |  |  |  |
Surplus during the term of surplus note | 50,000,000 |  |  |  |  |  |  |  |  |
Surplus and Reinsurance sufficient to cover in excess of UPCIC probable maximum loss |  |  |  |  |  |  |  |  |  | 1 in 100 year
Interest rate increased basis point |  |  |  |  |  | 0.0450 |  |  |  |
Decrease in additional interest rate |  |  |  | 4.50% |  |  |  |  |  |
Basis point from decrease in additional interest rate |  |  |  | 0.25% |  |  |  |  |  |
Long Term Debt (Additional Textual) [Abstract] |  |  |  |  |  |  |  |  |  |
Statutory capital and surplus | 134,000,000 |  |  |  |  |  |  |  |  |
Surplus note maturity date | Dec. 31, 2026 |  |  |  |  |  |  |  |  |
Interest Expense | 414,000 | 856,000 | 862,000 |  |  |  |  |  |  |
Long-term debt | $ 20,221,000 | $ 21,691,000 |  |  |  |  |  |  |  |

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- Definition The stated principal amount of the debt instrument at time of issuance, which may vary from the carrying amount because of unamortized premium or discount. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 835 -SubTopic 30 -Section 45 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=6451184&loc=d3e28551-108399 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 835 -SubTopic 30 -Section 55 -Paragraph 8 -URI http://asc.fasb.org/extlink&oid=6584090&loc=d3e28878-108400 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Accounting Principles Board Opinion (APB) -Number 21 -Paragraph 16, 20 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. + Details
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