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9. Income Taxes (Details) - USD ($)
Sep. 30, 2019
Dec. 31, 2018
Deferred tax asset:    
Net operating loss carryovers $ 2,418,344 $ 90,438
Claims reserve discount 526,114 343,905
Unearned premium 3,735,054 3,145,682
Deferred ceding commission revenue 384,063 564,202
Other 680,204 383,733
Total deferred tax assets 7,743,779 4,527,960
Deferred tax liability:    
Investment in KICO 759,543 759,543
Deferred acquisition costs 4,303,229 3,760,625
Intangibles 105,000 140,700
Depreciation and amortization 515,487 664,194
Net unrealized gains (losses) of securities - available for sale 1,520,225 (1,151,335)
Total deferred tax liabilities 7,203,484 4,173,727
Net deferred income tax asset $ 540,295 $ 354,233