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Note 16 - Reserves for Losses and Loss Adjustment Expenses - Reserves Balance for Losses and Loss Adjustment Expenses (Details) - USD ($)
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Gross reserve for unpaid losses and loss adjustment expenses, beginning of year $ 5,733,444 $ 2,105,579
Less: reinsurance recoverable on unpaid losses 3,283,071 415,000
Net reserve for unpaid losses and loss adjustment expenses, beginning of year 2,450,373 1,690,579
Provision for losses and LAE claims arising in current year 3,924,202 2,411,846
Provision for losses and LAE claims arising in prior year (750,747) (367,411)
Total net losses and loss adjustment expense incurred 3,173,455 2,044,435
Losses and LAE payments for claims arising in current year 1,193,187 532,062
Losses and LAE payments for claims arising in prior years 361,314 752,579
Losses and LAE payments for claims arising in total payments 1,554,501 1,284,641
Net reserves for unpaid losses and loss adjustment expenses, end of year 4,069,327 2,450,373
Reinsurance recoverable on unpaid losses, net of allowance 1,803,865 3,283,071
Gross reserves for unpaid losses and loss adjustment expenses, end of year $ 5,873,192 $ 5,733,444