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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