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Consolidated Statements Of Income (USD $)
 3 Months Ended
Mar. 31, 2012
Mar. 31, 2011
Revenues:    
Net premiums written $ 19,667,420 $ 17,865,588
Investment income - interest and dividends 977,261 899,372
Net realized gain (loss) on investments 192,881 (26,160)
Other 1,576,712 1,283,220
Total Revenues 22,414,274 20,022,020
Operating Expenses:    
Commissions to agents 11,192,127 10,879,586
Provision for claims 1,631,359 721,626
Salaries, employee benefits and payroll taxes 4,990,632 4,691,996
Office occupancy and operations 927,038 963,927
Business development 393,447 387,547
Filing fees, franchise and local taxes 351,922 214,113
Premium and retaliatory taxes 414,794 405,473
Professional and contract labor fees 400,537 308,524
Other 167,279 103,021
Total Operating Expenses 20,469,135 18,675,813
Income before Income Taxes 1,945,139 1,346,207
Provision for Income Taxes 513,000 327,000
Net Income $ 1,432,139 $ 1,019,207
Basic Earnings per Common Share $ 0.68 $ 0.46
Weighted Average Shares Outstanding - Basic 2,100,835 2,234,480
Diluted Earnings per Common Share $ 0.67 $ 0.46
Weighted Average Shares Outstanding - Diluted 2,128,788 2,239,500
Cash Dividends Paid per Common Share $ 0.07 $ 0.07