State National Companies 10-K 30 Mar 15 2014 FY Annual report Financial data

Document_and_Entity_Informatio

Document and Entity Information (USD $)	12 Months Ended
	Dec. 31, 2014	Mar. 23, 2015	Jun. 30, 2014
Document and Entity Information
Entity Registrant Name	State National Companies, Inc.
Entity Central Index Key	1610793
Document Type	10-K
Document Period End Date	31-Dec-14
Amendment Flag	FALSE
Current Fiscal Year End Date	-19
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Non-accelerated Filer
Entity Public Float			$0
Entity Common Stock, Shares Outstanding		44,247,102
Document Fiscal Year Focus	2014
Document Fiscal Period Focus	FY

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Investments:
Fixed-maturity securities - available-for-sale, at fair value (amortized cost - $305,019, $178,901, respectively)	$309,911	$180,954
Equity securities - available-for-sale, at fair value (cost - $1,419, $1,340, respectively)	2,642	2,301
Total investments	312,553	183,255
Cash and cash equivalents	38,348	69,431
Restricted cash and investments	6,597	6,800
Accounts receivable from agents, net	18,528	17,306
Reinsurance recoverable on paid losses	1,200	880
Deferred acquisition costs	1,036	1,095
Reinsurance recoverables	1,656,534	1,372,225
Property and equipment, net (includes land held for sale -$1,034, $1,034, respectively)	18,397	19,265
Interest receivable	1,795	1,333
Income taxes receivable		1,451
Deferred income taxes, net	23,864	3,728
Goodwill and intangible assets, net	6,683	7,906
Other assets	6,229	6,276
Total assets	2,091,764	1,690,951
Liabilities
Unpaid losses and loss adjustment expenses	1,209,905	1,016,641
Unearned premiums	480,124	386,279
Allowance for policy cancellations	55,500	39,623
Deferred ceding fees	23,612	18,735
Accounts payable to agents	2,448	2,564
Accounts payable to insurance companies	4,399	5,285
Subordinated debentures	44,500	52,000
Income taxes payable	1,762
Other Liabilities	28,642	24,370
Other payables, affiliate		100
Total liabilities	1,850,892	1,545,597
Shareholders' equity
Common stock, $.001 par value (150,000,000 shares authorized; 44,247,102 and 40,627,200 shares issued at December 31, 2014 and December 31, 2013, respectively)	44	41
Additional paid-in capital	220,577	24,367
Retained earnings	16,108	128,830
Treasury stock (zero and 6,450,304 shares at cost at December 31, 2014 and December 31, 2013, respectively)		-10,000
Accumulated other comprehensive income	4,143	2,116
Total shareholders' equity	240,872	145,354
Total liabilities and shareholders' equity	$2,091,764	$1,690,951

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified
Consolidated Balance Sheets
Fixed-maturity securities - available-for-sale, amortized cost	$305,019	$178,901
Equity securities - available-for-sale, cost	1,419	1,340
Land held for sale	$1,034	$1,034
Common stock, par value (in dollars per share)	$0.00
Common stock, shares authorized	150,000,000
Common stock, shares issued	44,247,102	40,627,200
Preferred stock, par value (in dollars per share)	$0.00
Preferred stock, shares authorized	10,000,000	0
Preferred stock, shares issued	0
Preferred stock, shares outstanding	0
Treasury stock, shares	0	6,450,304

Consolidated_Statements_of_Inc

Consolidated Statements of Income (USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Revenues:
Premiums earned	$96,650	$84,378	$78,096
Commission income	1,533	2,031	2,406
Ceding fees	45,732	32,898	32,379
Net investment income	4,841	4,901	5,525
Realized net investment gains	1,311	1,764	1,309
Other income	4,460	2,531	2,408
Total revenues	154,527	128,503	122,123
Expenses:
Losses and loss adjustment expenses	40,821	32,090	28,989
Commissions	3,882	2,378	2,922
Taxes, licenses, and fees	2,832	2,594	2,394
General and administrative	58,891	53,418	54,114
Founder special compensation	17,914	10,202	10,740
Offering-related expenses	8,833
Contract modification expense	17,800
Interest Expense, Long-term Debt	2,237	2,323	2,427
Total expenses	153,210	103,005	101,586
Income (loss) before income taxes	1,317	25,498	20,537
Income taxes:
Current tax expense	11,514	4,845	3,860
Deferred tax expense (benefit)	-21,210	-2,058	795
Income taxes	-9,696	2,787	4,655
Net income	11,013	22,711	15,882
Net income per share attributable to common shareholders:
Basic earnings per share (in dollars per share)	$0.28	$0.66	$0.46
Diluted earnings per share (in dollars per share)	$0.28	$0.66	$0.46
Pro Forma:
Basic earnings per share (in dollars per share)	$0.02	$0.46	$0.38
Diluted earnings per share (in dollars per share)	$0.02	$0.46	$0.38
Pro Forma
Income taxes:
Income taxes	493	9,725	7,635
Net income	$824	$15,773	$12,902

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Consolidated Statements of Comprehensive Income
Net income	$11,013	$22,711	$15,882
Unrealized gains (losses) on securities:
Unrealized holding gains (losses) during the period	3,998	-5,215	1,646
Tax effect on unrealized holding gains (losses) during the period	-1,387	1,773	-541
Less: reclassification adjustments for realized gains included in net income	-898	-1,273	-1,003
Tax effect on reclassification adjustments for realized gains included in net income	314	430	328
Other comprehensive income (loss)	2,027	-4,285	430
Total comprehensive income	$13,040	$18,426	$16,312

Consolidated_Statements_of_Sha

Consolidated Statements of Shareholders' Equity (USD $)	Common stock	Additional Paid-in Capital	Retained Earnings	Treasury Stock	Accumulated Other Comprehensive Income	Total
In Thousands, unless otherwise specified
Balance at Dec. 31, 2012	$41	$24,367	$121,414	($10,000)	$6,401	$142,223
Increase (decrease) in shareholder's equity
Dividends paid			-15,295			-15,295
Net income			22,711			22,711
Other comprehensive loss, net of tax					-4,285	-4,285
Balance at Dec. 31, 2013	41	24,367	128,830	-10,000	2,116	145,354
Increase (decrease) in shareholder's equity
Dividends paid			-16,683			-16,683
Net income			11,013			11,013
Other comprehensive loss, net of tax					2,027	2,027
Retirement of treasury stock	-7	-9,993		10,000
Issuance of common stock	31	289,291				289,322
Costs directly attributable to issuance of common stock		-1,578				-1,578
Redemption of existing common stock	-21	-190,574				-190,595
Stock-based compensation expense		2,012				2,012
Conversion from S corporation to C corporation tax status		107,052	-107,052
Balance at Dec. 31, 2014	$44	$220,577	$16,108		$4,143	$240,872

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Operating activities
Net income	$11,013	$22,711	$15,882
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, Amortization and Accretion, Net	4,993	4,717	4,746
Share-based Compensation	2,012
Bad debt expense		-14	132
Deferred income taxes	-21,210	-2,058	795
Realized net investment gains	-1,311	-1,764	-1,309
Realized gains on property and equipment	47	-30	-121
Realized gain on subordinated debenture repurchase	610
Changes in:
Restricted cash and investments	-203	-1,271	1,791
Accounts receivable from agents	1,222	8,373	-3,533
Reinsurance recoverable on paid losses	320	-41	-58
Deferred acquisition costs	-59	-81	-2,934
Reinsurance recoverables	284,309	171,172	126,648
Income taxes receivable	-3,213	1,740	-357
Interest receivable	462	69	-117
Other assets	-47	859	-217
Unpaid losses and loss adjustment expenses	-193,264	-40,933	-169,583
Unearned premiums	93,845	132,641	-40,286
Allowance for policy cancellations	15,877	6,848	5,264
Deferred ceding fees	4,877	6,773	-1,907
Accounts payable to agents	116	-500	5,351
Accounts payable to insurance companies	-886	1,209	1,550
Other liabilities	4,272	2,247	-598
Other liabilities, affiliate	-100	-37	-97
Net cash provided by operating activities	23,176	33,856	27,060
Investing activities
Purchase of investments	-170,250	-46,836	-53,256
Proceeds from sale of investments	14,782	16,032	24,703
Proceeds from maturities and principal receipts	28,494	28,237	30,454
Purchase of short-term investments			-18,985
Proceeds from sale of short-term investments		12,490	6,999
Proceeds from maturities of short-term investments		6,495
Proceeds from dispositions of property and equipment	981	46	507
Purchase of property and equipment	-1,982	-673	-1,886
Net cash provided by (used in) investing activities	-127,975	15,791	-11,464
Financing activities
Dividends paid	-16,683	-15,295	-14,176
Proceeds from issuances of common stock	289,322
Costs directly attributable to issuance of common stock	-1,578
Redemption of existing common stock	-190,595
Repurchase of subordinated debentures	-6,750
Net cash provided by (used in) financing activities	73,716	-15,295	-14,176
Net change in cash and cash equivalents	-31,083	34,352	1,420
Cash and cash equivalents at beginning of period	69,431	35,079	33,659
Cash and cash equivalents at end of period	38,348	69,431	35,079
Supplemental Cash Flow Information [Abstract]
Interest Paid	2,269	2,277	2,382
Income Taxes Paid	$8,301	$6,584	$3,503

Summary_of_Significant_Account

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2014
Summary of Significant Accounting Policies
Summary of Significant Accounting Policies	1. Summary of Significant Accounting Policies
	Description of Business
	State National Companies, Inc. (the Company) refers to a group of companies that conduct insurance-related activities along two major segments. One segment (the Company’s program services segment) involves the writing of “program business,” which includes books of business produced by general agents, for which the Company receives ceding fees. Substantially all of the risk associated with the program business is ceded to unaffiliated, highly rated reinsurance companies or other reinsurers that provide substantial collateral. A second segment (the Company’s lender services segment) involves the writing and insuring of lines of insurance marketed to lending institutions, primarily collateral protection insurance (CPI) policies.
	Principles of Consolidation
	The consolidated financial statements include the accounts of the Company and its wholly owned subsidiaries. All intercompany accounts and transactions have been eliminated in consolidation.
	Basis of Presentation
	The accompanying consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (GAAP), which, as to our insurance company subsidiaries, differ from statutory accounting practices prescribed or permitted for insurance companies by insurance regulatory authorities.
	Estimates
	The preparation of financial statements in conformity with GAAP requires Management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the dates of the financial statements and the reported amounts of revenues and expenses during the reporting periods. Actual results could differ materially from these estimates.
	Fair Value of Financial Instruments
	Cash and Cash Equivalents:  The carrying amounts reported in the consolidated balance sheets approximate fair value.
	Restricted Cash and Investments:  The carrying amounts reported in the consolidated balance sheets approximate fair value.
	Short-term Investments:  The carrying amounts reported in the consolidated balance sheets approximate fair value.
	Investments:  See Note 9 – “Fair Value Measurements”
	Land held for sale:  The land held for sale is carried at fair value less expected selling costs.
	Payables and Receivables:  Reinsurance recoverable on paid losses, reinsurance recoverables, agents’ balances receivable and payable, and payable to insurance companies are carried at cost, which approximates fair value.
	Subordinated Debentures:  The amounts reported in the consolidated balance sheets are carried at par, which approximates their estimated fair value due to the floating interest rate provisions of the debt instruments.
	Income taxes receivable/payable: The carrying amounts reported in the consolidated balance sheets approximate fair value.
	Other assets/liabilities: The carrying amounts reported in the consolidated balance sheets approximate fair value.
	Cash and Cash Equivalents
	All highly liquid investments with an original maturity of three months or less are considered cash equivalents.
	Short-Term Investments
	Short-term investments represent investments with original maturities of more than three months but less than one year.
	Restricted Cash and Investments
	Restricted cash and investments are primarily comprised of deposits made by a reinsurer that cover losses for a program up to the contractual threshold. These fiduciary cash and investment balances are invested at the direction of the reinsurer for this program; accordingly, income earned on these balances inures to the benefit of the reinsurer.
	Investments
	Investments are considered available-for-sale and are carried at fair value. The Company measures the fair value of the investments based upon quoted market prices from an independent pricing service and its third-party investment managers, using observable market information. The cost of securities sold is based on the specific identification method. Unrealized gains and losses associated with the available-for-sale portfolio, as a result of temporary changes in fair value during the period such investments are held, are reflected net of income taxes and reported in other comprehensive income as a separate component of shareholders’ equity. Unrealized losses associated with the available-for-sale portfolio that are deemed to be other-than-temporary are charged to income in the period in which the other-than-temporary impairment is determined. Debt security premiums and discounts are amortized into earnings using the effective-interest method.
	The Company evaluates its investment portfolio for impairments of individual securities that are deemed to be other-than-temporary. Fixed maturity securities that are determined to have other-than-temporary impairment and it is more likely than not the Company will sell before recovery of their amortized cost, are written down to fair value and the entire amount of the write-down is included in net income, net of realized investment gains. For all other impaired fixed-maturity securities, the impairment loss is separated into the amount representing the credit loss and the amount representing all other factors. The amount of impairment loss that represents the credit loss is included in net income, net of realized investment gains. The amount of the impairment loss that relates to all other factors is included in other comprehensive income. Equity securities that are determined to have other-than-temporary impairment are recognized in net income, net of realized investment gains.
	The process for identifying other-than-temporary declines in fair value involves the consideration of several factors, including, but not limited to, whether the issuer has been downgraded to below investment-grade, the length of time in which there has been a significant decline in value, the liquidity and overall financial condition of the issuer, the nature and performance of the collateral or other credit support backing the security, the significance of the decline in value, and whether the Company has the intent to sell the security or may be required to sell the security prior to its anticipated recovery. The Company reviews securities for other-than-temporary impairment internally and with its investment advisors.
	Deferred Acquisition Costs
	Effective January 1, 2012, the Company adopted Accounting Standards Update (ASU) No. 2010-26, Accounting for Costs Associated with Acquiring or Renewing Insurance Contracts. The guidance identifies those costs relating to the successful acquisition of new or renewal insurance contracts that should be capitalized. The Company elected prospective application of this guidance (see Note 3 – Deferred Acquisition Costs).
	Certain costs, primarily premium taxes, commissions, and general expenses that are directly related to the successful acquisition of new or renewal business are deferred to the extent recoverable from future premiums earned. Deferred acquisition costs are amortized in proportion to the related unearned premium reserve over the terms of the related policies. Investment income is not included in the Company’s recoverability analysis of deferred acquisition costs.
	Deferred Ceding Fees
	Ceding fees that are associated with unearned premiums are established as a liability and amortized into income pro rata over the life of the underlying business.
	Property, Equipment, and Depreciation
	Property and equipment are recorded at cost and depreciated. Depreciation is computed using the straight-line method over the estimated useful lives of the assets (ranging from three to twenty years). The Company changed its capitalization threshold as of January 1, 2014 from $1 thousand to $5 thousand per item. Gains and losses on the disposition of fixed assets are determined on a specific asset identification basis and are included in net income. Land held for sale is carried at fair value less expected selling costs.
	Goodwill and Intangible Assets
	Goodwill is the difference between the purchase price in a business combination and the fair value of assets acquired and liabilities assumed, and is not amortized. Intangible assets include assets with a finite life, primarily customer relationships/lists, and are amortized over the estimated useful life of the asset in proportion to the expected benefit.
	Goodwill is tested for impairment on an annual basis or more frequently if events or changes in circumstances indicate that the carrying amount may not be recoverable. The impairment test is performed using a two-step process. In the first step, the fair value of a reporting unit is compared to its carrying value. If the carrying value of a reporting unit exceeds its fair value, the second step of the impairment test is performed for purposes of measuring the impairment.
	In the second step, the fair value of the reporting unit is allocated to all of the assets and liabilities of the reporting unit to determine an implied goodwill value. If the carrying amount of the reporting unit goodwill exceeds the implied goodwill value, an impairment loss is recognized in an amount equal to that excess.
	As of December 31, 2014, the Company performed the first step of its annual goodwill assessment for the individual reporting units to which goodwill is allocated and determined there is no impairment of goodwill.
	The Company periodically evaluates the recoverability of intangible assets and takes into account events or circumstances that warrant revised estimates of useful lives or that indicate that impairment exists. No impairments were recognized in 2014, 2013 or 2012.
	Unpaid Losses and Loss Adjustment Expenses
	The liability for unpaid losses and loss adjustment expenses includes an estimate for claims reported and an additional liability for claims incurred but not reported, based on the Company’s historical loss experience. While Management believes the amounts included in the consolidated financial statements are adequate, such estimates may be more or less than the amount ultimately paid when the claims are settled. These estimates are continually reviewed and adjusted, as necessary, as experience develops or as new information becomes known; such adjustments are included in current operations.
	Allowance for Policy Cancellations
	An allowance for policy cancellations is provided for the estimated amount of return premiums and policy fees, net of commission expense and premium taxes that will be incurred on expected future policy cancellations associated with the Company’s CPI business. The allowance is based on the Company’s historical cancellation experience.
	While Management believes the amounts included in the consolidated financial statements are adequate, such estimates may be more or less than the amounts ultimately refunded. The estimates are continually reviewed by Management, and any changes are reflected in current operations.
	Reinsurance
	Reinsurance premiums, losses, and loss adjustment expenses are accounted for on bases consistent with those used in accounting for the original policies issued and the terms of the reinsurance contracts.
	Earnings Per Share
	The computation of earnings per share is based upon the weighted average number of common shares outstanding during the period plus the effect of common shares potentially issuable (in periods in which they have a dilutive effect).  Earnings per share have been adjusted to reflect a 736 for 1 stock split in the form of a stock dividend on June 23, 2014.
	Income Taxes
	Historically, the Company had elected for its parent company to be taxed for federal income tax purposes as a “Subchapter S corporation” under the Internal Revenue Code.  On June 25, 2014, the Company completed a private placement of common stock, which resulted in the termination of its Subchapter S corporation status.  Prior to this change in tax status, deferred income taxes were recorded only on the Company’s insurance subsidiaries (and their immediate parent) to reflect the tax consequences on future years of differences between the tax bases of assets and liabilities and their financial reporting amounts at each year-end. All other entities included in the consolidated group filed under Subchapter S Corporation status; therefore, no provision for income taxes had been recorded for these entities.  The Company recorded a net deferred income tax benefit related to this change in tax status to reflect the tax consequences on future years of differences between the tax bases of assets and liabilities and their financial reporting amounts.
	For any uncertain tax positions not meeting the “more likely than not” recognition threshold, accounting standards require recognition, measurement, and disclosure in the financial statements. There were no uncertain tax positions at December 31, 2014 and December 31, 2013.
	Income Recognition
	Premiums on CPI business are earned on a pro rata basis over the terms of the policies after taking into consideration the allowance for policy cancellations. Premiums on program business are earned on a pro rata basis over the terms of the policies. Ceding fees are earned on the same basis as the underlying premiums.
	Program Business
	In connection with writing program business, the Company enters into contractual agreements with both the producing general agents and the reinsurers, whereby the general agents and reinsurers are obligated to each other for payment of insurance amounts, including premiums, commissions, and losses. These funds do not flow through the Company, but are settled directly between the general agent and the reinsurer; accordingly, no receivables or payables are recorded for these amounts. All obligations of SNIC, NSIC, and USIC owed to or on behalf of their policyholders are recorded by the Company and, to the extent appropriate, offsetting reinsurance recoverables are recorded.
	Pro Forma Financial Information (Unaudited)
	On June 25, 2014, the Company completed a private placement of common stock, which resulted in the termination of its Subchapter S corporation status.  All of the Company’s entities are now considered C corporations. Pro forma amounts for income tax expense (benefit) and basic and diluted earnings per share have been presented assuming the Company’s effective tax rate of 37.5%,  38.1% and 37.2% for the periods ending December 31, 2014, 2013, and 2012, respectively.
	Stock-based Compensation
	Compensation expense for stock-based payments is recognized based on the measurement-date fair value for awards that will settle in shares.  Compensation expense for awards that are settled in equity are recognized on a straight line pro rata basis over the vesting period.  See Note 15 — “Stock-based Payments” for related disclosures.
	Recent Accounting Pronouncements
	In June 2014, the FASB issued an accounting standards update (ASU 2014-12), “Compensation – Stock Compensation” (Topic 718). The main provision of this ASU requires that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition.  Compensation cost should be recognized in the period in which it becomes probable that the performance target will be achieved and should represent the compensation cost attributable to the period(s) for which the requisite service has already been rendered. If the performance target becomes probable of being achieved before the end of the requisite service period, the remaining unrecognized compensation cost should be recognized prospectively over the remaining requisite service period. This ASU is effective for annual reporting periods beginning after December 15, 2015 and interim periods within those annual periods.  This ASU does not impact the Company’s financial statements as the Company has not awarded any performance based stock compensation.
In May 2014, the FASB issued an accounting standards update (ASU 2014-09), “Revenue from Contracts with Customers” (Topic 606). The core guidance of the ASU presents a comprehensive new revenue recognition model that requires a company to recognize revenue to depict the transfer of goods or services to a customer at an amount that reflects the consideration it expects to receive in exchange for those goods or services. The ASU provides a five-step analysis of transactions to determine when and how revenue is recognized and requires additional disclosures sufficient to describe the nature, amount, timing and uncertainty of revenue and cash flows for these transactions. This ASU is effective for annual periods beginning after December 15, 2016, including interim periods within that period.  Early adoption is not permitted under GAAP.  As insurance contracts are excluded from this ASU, the Company is currently evaluating what impact, if any, this ASU will have on our financial results and disclosures and which adoption method to apply.
In February 2013, the FASB issued an accounting standards update (ASU 2013-02), “Comprehensive Income” (Topic 220) that requires additional disclosures for amounts reclassified out of accumulated other comprehensive income by component. Additionally, significant amounts reclassified out of accumulated other comprehensive income must be disclosed by the respective line items of net income either on the face of the statement where income is presented or in the notes to the financial statements only if the amount reclassified is required under GAAP to be reclassified to net income in its entirety in the same reporting period. Amounts that are not required to be reclassified in their entirety to net income should be cross-referenced to other disclosures required under GAAP that provide additional detail about the amounts. The impact of this disclosure on the Company’s financial statements is minimal.

Investments

Investments	12 Months Ended
	Dec. 31, 2014
Investments
Investments	2. Investments
	The following table summarizes information on the amortized cost, gross unrealized gains and losses, and the fair value of investment securities by class:
		Cost or		Gross		Gross
	December 31, 2014	Amortized		Unrealized		Unrealized		Fair
	($ in thousands)	Cost		Gains		Losses		Value
	Fixed-maturity securities
	Government	$	13,896	$	195	$	-49	$	14,042
	Government agency		2,325		57		-9		2,373
	State and municipality		61,179		1,200		-27		62,352
	Industrial and miscellaneous		108,125		2,582		-460		110,247
	Residential mortgage-backed		96,610		1,825		-764		97,671
	Commercial mortgage-backed		22,483		339		-27		22,795
	Redeemable preferred stock		401		30		—		431
	Total fixed-maturity securities		305,019		6,228		-1,336		309,911
	Equity securities
	Non-redeemable preferred stock		1,407		806		—		2,213
	Common stock		12		417		—		429
	Total equity securities		1,419		1,223		—		2,642
	Total investments	$	306,438	$	7,451	$	-1,336	$	312,553
		Cost or		Gross		Gross
	December 31, 2013	Amortized		Unrealized		Unrealized		Fair
	($ in thousands)	Cost		Gains		Losses		Value
	Fixed-maturity securities
	Government	$	9,785	$	216	$	-146	$	9,855
	Government agency		2,803		66		-29		2,840
	State and municipality		40,823		919		-557		41,185
	Industrial and miscellaneous		51,005		2,113		-460		52,658
	Residential mortgage-backed		65,622		1,397		-1,685		65,334
	Commercial mortgage-backed		8,462		276		-67		8,671
	Redeemable preferred stock		401		10		—		411
	Total fixed-maturity securities		178,901		4,997		-2,944		180,954
	Equity securities
	Non-redeemable preferred stock		1,191		614		-3		1,802
	Common stock		149		350		—		499
	Total equity securities		1,340		964		-3		2,301
	Total investments	$	180,241	$	5,961	$	-2,947	$	183,255
	Investment securities are exposed to various risks such as interest rate, market, and credit risk. Fair values of securities fluctuate based on the magnitude of changing market conditions; significant changes in market conditions could materially affect the portfolio fair value in the near term.
	The following tables show the gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position:
		Less than 12 Months				12 Months or More				Total
	December 31, 2014	Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	($ in thousands)	Value		Losses		Value		Losses		Value		Losses
	Fixed-maturity securities
	Government	$	522	$	-2	$	3,094	$	-47	$	3,616	$	-49
	Government agency		—		—		685		-9		685		-9
	State and municipality		4,164		-10		2,001		-17		6,165		-27
	Industrial and miscellaneous		34,433		-418		2,637		-42		37,070		-460
	Residential mortgage-backed		15,491		-94		19,428		-670		34,919		-764
	Commercial mortgage-backed		2,528		-14		694		-13		3,222		-27
	Total fixed-maturity securities	$	57,138	$	-538	$	28,539	$	-798	$	85,677	$	-1,336
		Less than 12 Months				12 Months or More				Total
	December 31, 2013	Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	($ in thousands)	Value		Losses		Value		Losses		Value		Losses
	Fixed-maturity securities
	Government	$	4,313	$	-146	$	—	$	—	$	4,313	$	-146
	Government agency		686		-29		—		—		686		-29
	State and municipality		17,046		-557		—		—		17,046		-557
	Industrial and miscellaneous		12,896		-424		1,424		-36		14,320		-460
	Residential mortgage-backed		28,564		-934		9,392		-751		37,956		-1,685
	Commercial mortgage-backed		1,945		-67		—		—		1,945		-67
	Total fixed-maturity securities		65,450		-2,157		10,816		-787		76,266		-2,944
	Equity securities
	Non-redeemable preferred stock		—		—		168		-3		168		-3
	Total equity securities		—		—		168		-3		168		-3
		$	65,450	$	-2,157	$	10,984	$	-790	$	76,434	$	-2,947
The determination that a security has incurred an other-than-temporary decline in fair value and the associated amount of any loss recognition requires the judgment of Management and a continual review of its investments. Management reviewed all securities with unrealized losses in accordance with the Company’s impairment policy described in Note 1 — “Summary of Significant Accounting Policies”.  Management believes that the temporary impairments are primarily the result of interest rate fluctuations, current conditions in the capital markets, and the impact of those conditions on market liquidity and prices. There are 143 securities in an unrealized loss position at December 31, 2014. Over 95% of these investments are investment-grade at December 31, 2014. The Company does not intend to sell the securities, and it is not more likely than not that the Company will be required to sell these securities before recovery of their amortized cost. Management has the intent and ability to hold the equity securities in an unrealized loss position until the recovery of their fair value. Therefore, Management does not consider these investments to be other-than-temporarily impaired at December 31, 2014.
Proceeds from sales of investments in fixed-maturity, equity and short-term securities during 2014, 2013, and 2012 were $14.8 million, $16.0 million, and $31.7 million respectively.
The following table presents the Company’s gross realized gains (losses) for the periods ended December 31:
	Year Ended
	December 31,		December 31,		December 31,
($ in thousands)	2014		2013		2012
Realized gains:
Fixed-maturity securities	$	1,388	$	1,861	$	1,588
Equity securities		34		171		38
Gross realized gains		1,422		2,032		1,626
Realized losses:
Fixed-maturity securities		-92		-149		-99
Equity securities		-19		—		—
Other-than-temporary impairment losses on fixed-maturity securities		—		-119		-218
Gross realized losses		-111		-268		-317
Net realized investment gains	$	1,311	$	1,764	$	1,309
The Company had ten non-cash exchanges of investment securities for each of the periods ending December 31, 2014 and December 31, 2013.  Non-cash consideration received for these exchanges was $2.8 million and $2.0 million in 2014 and 2013, respectively.  Gains of $320 thousand and $139 thousand were recognized on these exchanges and are reflected in the “Realized net investment gains” balance shown on the consolidated statements of income.
The following schedule details the maturities of the Company’s fixed-maturity securities, available-for-sale, as of December 31, 2014:
			Fair
($ in thousands)	Amortized Cost		Value
Due in one year or less	$	12,874	$	13,171
Due after one year through five years		73,499		74,507
Due after five years through ten years		90,534		92,012
Due after ten years		9,019		9,755
Residential mortgage-backed securities		96,610		97,671
Commercial mortgage-backed securities		22,483		22,795
	$	305,019	$	309,911
Expected maturities may differ from contractual maturities because certain borrowers have the right to call or prepay obligations with or without call or prepayment penalties.
The Company’s investment portfolio includes $1.2 million of mortgage-backed securities collateralized by subprime residential loans, which represent approximately 0.40% of the Company’s total investments as of December 31, 2014. The Company does not hold own mortgage derivatives.
Net investment income for the periods ended December 31, consists of the following:
	Year Ended
	December 31,		December 31,		December 31,
($ in thousands)	2014		2013		2012
Interest on investments	$	5,254	$	5,202	$	5,849
Dividends		135		107		85
Gross investment income		5,389		5,309		5,934
Investment expenses		-548		-408		-409
Net investment income	$	4,841	$	4,901	$	5,525
The Company’s insurance subsidiaries, State National Insurance Company, Inc. (SNIC), National Specialty Insurance Company (NSIC) and United Specialty Insurance Company (USIC) are required to maintain deposits in various states where they are licensed to operate. These deposits are comprised of fixed-maturity securities at fair values totaling $36.9 million and $28.8 million at December 31, 2014 and December 31, 2013, respectively.

Deferred_Acquisition_Costs

Deferred Acquisition Costs	12 Months Ended
	Dec. 31, 2014
Investments
Deferred Acquisition Costs	3. Deferred Acquisition Costs
	Effective January 1, 2012, the Company prospectively adopted ASU No. 2010-26, Accounting for Costs Associated with Acquiring or Renewing Insurance Contracts. As a result of the adoption of this guidance, certain general and administrative costs that are not directly related to the successful acquisition of new or renewal business that were previously capitalized are no longer deferred. However, the Company continues to defer premium taxes, commissions and general expenses that are directly related to the successful acquisition of new or renewal business.
	Deferred acquisition costs are as follows for the years ended December 31:
	($ in thousands)	2014		2013		2012
	Balance, beginning of year	$	1,095	$	1,176	$	4,111
	Capitalized costs		4,907		4,818		5,072
	Amortization		-4,966		-4,899		-8,007
	Balance, end of year	$	1,036	$	1,095	$	1,176

Property_Equipment_and_Depreci

Property, Equipment, and Depreciation	12 Months Ended
	Dec. 31, 2014
Investments
Property, Equipment, and Depreciation	4. Property, Equipment, and Depreciation
	The following is a summary of property, equipment, and depreciation at December 31:
	($ in thousands)	2014		2013
	Land held for use	$	3,443	$	3,473
	Land held for sale		1,034		1,034
	Building and improvements		15,127		15,371
	Transportation equipment		1,578		2,399
	Furniture and fixtures		3,208		3,243
	Computer equipment and software		6,849		5,441
			31,239		30,961
	Accumulated depreciation and amortization		-12,842		-11,696
	Property and equipment, net	$	18,397	$	19,265
	Depreciation and amortization expense for 2014, 2013 and 2012 was $1.8 million, $1.9 million and $2.0 million, respectively.
	On November 28, 2007, the Company purchased a tract of land with a plan to build a new home office building for its own use. During 2009, the Company classified this land as held for sale, since it had abandoned its plan to build a new home office and purchased an existing building for its own use. Gains of $454 thousand, $30 thousand and $121 thousand were recognized at December 31, 2014, 2013 and 2012, respectively, from the sale of property and equipment.

Goodwill_and_Intangible_Assets

Goodwill and Intangible Assets	12 Months Ended
	Dec. 31, 2014
Goodwill and Intangible Assets
Goodwill and Intangible Assets	5. Goodwill and Intangible Assets
	($ in thousands)	Gross Carrying Amount		Accumulated Amortization		Net Carrying Amount
	December 31, 2014
	Goodwill	$	2,565	$	—	$	2,565
	Customer relationships/lists		20,450		-16,332		4,118
	Non-compete agreement		3,339		-3,339		—
		$	26,354	$	-19,671	$	6,683
	December 31, 2013
	Goodwill	$	2,565	$	—	$	2,565
	Customer relationships/lists		20,450		-15,567		4,883
	Non-compete agreement		3,339		-2,881		458
		$	26,354	$	-18,448	$	7,906
	As of December 31, 2014 and 2013, goodwill of $2.1 million is attributable to our Program segment and $450 thousand is attributable to the Lender segment.  Definite-lived intangible assets total $4.1 million and $4.9 million, net of amortization, as of December 31, 2014 and 2013, respectively, and are fully attributable to our Lender segment.
	Customer relationships/lists are amortized based on discounted cash flow estimates over their expected useful lives of 15 years.  Amortization expense related to the customer relationships/lists was $765 thousand, $854 thousand, and $903 thousand for the years ended December 31, 2014, 2013, and 2012, respectively.  The non-compete agreements are amortized based on the discounted cash flow estimates over their expected useful lives of five to nine years.  Amortization expense related to the non-compete agreements was $458 thousand, $481 thousand, and $505 thousand for the years ended December 31, 2014, 2013, and 2012, respectively.
	Expected amortization expense over the next five years for the Company’s definite-lived intangible assets is as follows: 2015 – $725 thousand; 2016 –$697 thousand; 2017 – $670 thousand; 2018 – $636 thousand; and 2019 – $253 thousand.

Subordinated_Debentures

Subordinated Debentures	12 Months Ended
	Dec. 31, 2014
Investments
Subordinated Debentures	6. Subordinated Debentures
	Between 2002 and 2004, the Company formed four business trusts (the Trusts) for the sole purpose of issuing, in private placement transactions, $52 million of trust preferred securities (TPS). In turn, the Trusts then used the proceeds thereof, together with the equity proceeds received from the Company upon their initial formation, to purchase $53.6 million of variable-rate subordinated debentures (TPS Debentures) issued by the Company. All voting securities of the Trusts are owned by the Company, and the TPS Debentures are the sole assets of the Trusts. The Trusts meet the obligations of the TPS with the interest and principal paid on the TPS Debentures. The Company does not have a variable interest in the Trusts and therefore does not consolidate the Trusts.
	Subordinated debentures with a carrying value of $7.5 million were repurchased for $6.75 million (plus accrued interest of approximately $49 thousand) on October 8, 2014.  The debentures were issued on May 15, 2003 with an original maturity of May 15, 2033 and currently accrued interest at LIBOR plus 4.10%.  This transaction resulted in a gain of approximately $610 thousand after deducting the unamortized portion of the initial issuance costs from the difference in the par value and the purchase price.
	The following is a summary of the TPS Debentures at December 31:
	($ in thousands)	2014		2013
	Floating Rate Capital Securities at LIBOR plus 4.00%, issued December 4, 2002, maturing on December 4, 2032	$	17,500	$	17,500
	Floating Rate Capital Securities at LIBOR plus 4.10%, issued May 15, 2003, repurchased October 8, 2014		—		7,500
	Floating Rate Capital Securities at LIBOR plus 4.10%, issued December 16, 2003, maturing on January 8, 2034		12,000		12,000
	Floating Rate Capital Securities at LIBOR plus 3.80%, issued May 26, 2004, maturing on May 24, 2034		15,000		15,000
		$	44,500	$	52,000
	The TPS Debentures and the TPS are uncollateralized, do not require maintenance of minimum financial covenants, and carry nearly identical terms. The TPS mature based on the schedule above, but early redemption is allowed beginning five years after issue date. If the Company chooses to redeem before the stated maturity date, it must redeem on a normal quarterly interest payment date and in multiples of $1 thousand (and include accrued interest).
	Interest is payable quarterly (see rates above) and set and paid quarterly. The three-month LIBOR rate at December 31, 2014, was 0.26%. Payment of interest may be deferred for up to 20 consecutive quarters; however, the Company may not declare or pay any dividends or distributions, nor make any guarantee payments or payments on fixed-maturity securities, unless senior in interest to the TPS Debentures. These same limitations apply during an event of default.
	Debt issuance costs paid to placement agents with an initial cost of $1.3 million and $1.5 million are included in the consolidated financial statements in other assets, net of accumulated amortization of $486 thousand and $523 thousand at December 31, 2014 and 2013, respectively.  The debt issuance costs are being amortized over 30 years using the straight-line method, which approximates the effective interest method.
	The Company has guaranteed that amounts paid to the Trusts under the TPS Debentures will be remitted to the holders of the TPS. These guarantees, when taken together with the obligations of the Company under the TPS Debentures, the indentures pursuant to which those debentures were issued, and the related trust agreements (including obligations to pay related trust costs, fees, expenses, debt, and other obligations for the Trusts other than with respect to the common and trust preferred securities of the Trusts), provide a full and unconditional guarantee of amounts due on the TPS.

Income_Tax_Provision

Income Tax Provision	12 Months Ended
	Dec. 31, 2014
Income Tax Provision
Income Tax Provision	7. Income Tax Provision
	The shareholders previously consented to elections for certain entities in the Company to be treated as S Corporations under Internal Revenue Code Section 1362(a).  As a result of these elections, 2013 and 2012 federal income taxes are recorded only for State National Intermediate Holdings, Inc. (SNIH), SNIC, NSIC and USIC, as they remained C Corporations and filed a consolidated federal income tax return.  On June 25, 2014, the Company completed a private offering of common stock which resulted in termination of its S Corporation status.  As a result, the Company is taxed as a C Corporation and will file a consolidated short period federal income tax return with its subsidiaries for the period June 26 through December 31, 2014.  Income for the Company’s pass-through entities was taxed (for federal purposes) to the individual owners during 2012, 2013 and the short period January 1 through June 25, 2014.  The Company recorded a net deferred income tax benefit of $19.3 million related to this change in tax status.
	The components of income tax expense for the years ended December 31 are as follows ($ in thousands):
	2014
	($ in thousands)	Federal		State			Total
	Federal and state income tax expense (benefit)
	Current	$	10,827	$	687		$	11,514
	Deferred		-21,156		-54			-21,210
	Total income tax expense (benefit)	$	-10,329	$	633		$	-9,696
	2013
	($ in thousands)	Federal		State			Total
	Federal and state income tax expense (benefit)
	Current	$	6,014	$	-1,169		$	4,845
	Deferred		-2,058		—			-2,058
	Total income tax expense (benefit)	$	3,956	$	-1,169		$	2,787
	2012
	($ in thousands)	Federal		State			Total
	Federal and state income tax expense
	Current	$	3,194	$	666		$	3,860
	Deferred		795		—			795
	Total income tax expense	$	3,989	$	666		$	4,655
	Deferred income taxes reflect the effect of temporary differences between the financial statement carrying amounts and the tax bases of assets and liabilities. The components of the net deferred income tax asset are as follows at December 31:
	($ in thousands)	2014		2013
	Deferred income tax assets:
	Allowance for policy cancellations	$	19,425	$	5,789
	Unpaid losses and loss adjustment expenses		172		223
	Deferred ceding fees		8,264		6,426
	Management fee		3,702		4,746
	Compensation		2,034		63
	Intangible assets		273		—
	Unrealized losses on fixed maturities and other investment securities		471		1,009
	Write-down of other-than-temporarily impaired investment securities		254		253
	Other		34		—
	Total deferred income tax assets		34,629		18,509
	Deferred income tax liabilities:
	Unearned premiums		7,136		4,465
	Unrealized gains on equity securities		428		214
	Unrealized gains on fixed maturities and other investment securities		2,183		1,694
	Deferred acquisition costs		363		4,539
	Fixed assets		525		98
	Contingent commissions		—		3,632
	Other		130		139
	Total deferred income tax liabilities		10,765		14,781
	Net deferred income tax asset	$	23,864	$	3,728
	No valuation allowance was recorded at December 31, 2014 and 2013, as the temporary differences disclosed above relate to deferred income tax assets that are more-likely-than-not to be realized in future years.
	In the second quarter of 2014, the Company revised its provision for income taxes to reflect a change in the federal statutory rate from 34.3% to 35.0%, effective January 1, 2014.  During 2013 and 2012, the Company computed its income tax provision using a 34.3% federal statutory tax rate as its taxable income was within the graduated rates of 34.0% to 35.0%.  A reconciliation of federal income tax expense computed by applying the federal statutory tax rate to income before federal income tax expense for the periods ended December 31 follows:
		2014				2013					2012
				Effective					Effective				Effective
	($ in thousands)	Amount		Tax Rate		Amount			Tax Rate		Amount		Tax Rate
	Expected tax expense (benefit)	$	461	35.0	%	$	8,746		34.3	%	$	7,044	34.3	%
	Exclusion of Subchapter S income		8,465	643.0			-4,478		-17.6			-2,800	-13.6
	Change in tax status		-19,316	-1,467.20			—		—			—	—
	Change in federal statutory rate		-75	-5.7			—		—			—	—
	Accrual/adjustment prior year		174	13.2			-39		-0.2			2	—
	Tax-exempt income		-304	-23.1			-275		-1.1			-247	-1.2
	State income taxes		826	62.8			-1,205		-4.7			620	3.0
	Meals and entertainment		61	4.6			36		0.1			34	0.2
	Other		12	0.8			2		—			2	—
	Total income tax expense (benefit)	$	-9,696	-736.6	%	$	2,787		10.8	%	$	4,655	22.7	%
	The Company’s policy is to recognize interest and penalties related to uncertain tax positions in general and administrative expenses. There were no penalties or interest recognized during 2014, 2013 and 2012.
	The Company had no net operating loss or capital loss carry-forwards at December 31, 2014.
	As of December 31, 2014, the Company’s U.S. federal income tax returns for tax years that ended December 31, 2011 through December 31, 2013, remain open under the normal three year statute of limitations and, therefore, are subject to examination by the Internal Revenue Service.

Reinsurance

Reinsurance	12 Months Ended
	Dec. 31, 2014
Reinsurance
Reinsurance	8. Reinsurance
	Through unaffiliated general agents, SNIC, NSIC, and USIC write primarily commercial lines of business. This business is written pursuant to quota share and excess of loss reinsurance contracts and general agency agreements that are tripartite agreements executed by SNIC, NSIC, or USIC, the reinsurer, and the general agent. Substantially all of the risk associated with this business is borne by the reinsurer.  As compensation for writing this business, SNIC, NSIC, and USIC receive ceding fees from the producers and, accordingly, the related ceding fees receivable are reflected as accounts receivable from agents. If the producer defaults on its obligation to pay these fees (or any other amount due), the reinsurer is obligated to make the payment under the guarantee contained in the contracts.
	As compensation for writing this business, SNIC, NSIC, and USIC receive ceding fees from the general agents and, accordingly, the related ceding fees receivable are reflected as accounts receivable from agents. If the general agent defaults on its obligation to pay these commissions (or any other amount due), the reinsurer is obligated to make the payment under the guarantee contained in the contracts.
	In addition, the Company is party to a reinsurance agreement in which it cedes a percentage of certain CPI policies to CUMIS Insurance Society, Inc. (CUNA Mutual) and receives a ceding commission related to these policies.  On May 19, 2014, the company signed an amendment to alter certain provisions of the July 24, 2009 Alliance with CUNA Mutual.  The amendment, effective July 1, 2014, reduces CUNA Mutual’s quota share under the reinsurance agreement from 50% to 30% for all policies written on or after July 1, 2014 (see Note 18 – Commitments and Contingencies).
	SNIC, NSIC, and USIC remain liable for unearned premiums and unpaid losses and loss adjustment expenses with respect to reinsurance ceded should the reinsurer be unable to meet its obligations. Management considers the possibility of a reinsurer becoming unable to meet its obligations as remote due to the reinsurers’ financial stability, A.M. Best Company rating, size, security funds available, and other factors as appropriate. Following is a summary of these balances:
		December 31,		December 31,
	($ in thousands)	2014		2013
	Ceded unearned premiums	$	456,754	$	365,333
	Ceded loss and loss adjustment expense reserves		1,199,780		1,006,892
	Total reinsurance recoverables		1,656,534		1,372,225
	Secured reinsurance recoverables		-1,209,032		-1,014,947
	Unsecured reinsurance recoverables	$	447,502	$	357,278
	The fair value of the collateral held by SNIC, NISC and USIC is approximately 163% of the secured reinsurance recoverables as of December 31, 2014.

Fair_Value_Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2014
Fair Value Measurements
Fair Value Measurements	9. Fair Value Measurements
	Assets and liabilities reported in the consolidated financial statements at fair value are required to be classified according to a fair value hierarchy that prioritizes the use of inputs used in valuation methodologies into three levels. The hierarchy gives the highest ranking to fair values determined using unadjusted quoted prices in active markets for identical assets and liabilities.
	(Level 1) and the lowest ranking to fair values determined using methodologies and models with unobservable inputs (Level 3). An asset’s or liability’s classification is based on the lowest level input that is significant to its measurement. For example, a Level 3 fair value measurement may include inputs that are both observable (Level 1 and 2) and unobservable (Level 3). The levels of the fair value hierarchy are as follows:
		·		Level 1: Inputs are quoted prices for identical assets or liabilities in active markets that are accessible at the measurement date.
		·		Level 2: Inputs include quoted prices for similar assets or liabilities in active markets, quoted prices from those willing to trade in markets that are not active, or other inputs that are observable or can be corroborated by market data for the term of the instrument. These inputs include market interest rates and volatilities, spreads, and yield curves.
		·		Level 3: Inputs are unobservable. Unobservable inputs reflect the Company’s own assumptions about the assumptions market participants would use in pricing the asset or liability based on the best information available in the circumstances.
	A description of the Company’s valuation techniques used to measure its assets at fair value is as follows:
		·		Available-for-sale, fixed-maturity securities: All fixed-maturity investments are currently reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from either an independent pricing service using quoted prices or from its third-party investment managers. These Level 2 inputs are valued by either the pricing service or the investment managers utilizing observable data that may include dealer quotes, market spreads, cash flows, yield curves, live trading levels, trade execution data, market consensus, prepayment speeds, credit information, and the security’s terms and conditions, among other things. Management has reviewed the processes used by the pricing services and has determined that they result in fair values consistent with requirements of ASC 820 for Level 2 investment securities.
		·		Available-for-sale equity securities: Equity securities are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service using quoted prices or from its third-party investment managers.
	Based on an analysis of the inputs, the Company’s investments measured at fair value on a recurring basis have been categorized as follows:
	December 31, 2014
	($ in thousands)		Level 1		Level 2		Level 3		Total
	Fixed-maturity securities
	Government		$	—	$	14,042	$	—	$	14,042
	Government agency			—		2,373		—		2,373
	State and municipality			—		62,352		—		62,352
	Industrial and miscellaneous			—		110,247		—		110,247
	Residential mortgage-backed			—		97,671		—		97,671
	Commercial mortgage-backed			—		22,795		—		22,795
	Redeemable preferred stock			—		431		—		431
	Total fixed-maturity securities			—		309,911		—		309,911
	Equity securities
	Non-redeemable preferred stock			—		2,213		—		2,213
	Common stock			—		429		—		429
	Total equity securities			—		2,642		—		2,642
			$	—	$	312,553	$	—	$	312,553
	December 31, 2013
	($ in thousands)		Level 1		Level 2		Level 3		Total
	Fixed-maturity securities
	Government		$	—	$	9,855	$	—	$	9,855
	Government agency			—		2,840		—		2,840
	State and municipality			—		41,185		—		41,185
	Industrial and miscellaneous			—		52,658		—		52,658
	Residential mortgage-backed			—		65,334		—		65,334
	Commercial mortgage-backed			—		8,671		—		8,671
	Redeemable preferred stock			—		411		—		411
	Total fixed-maturity securities			—		180,954		—		180,954
	Equity securities
	Non-redeemable preferred stock			—		1,802		—		1,802
	Common stock			—		499		—		499
	Total equity securities			—		2,301		—		2,301
			$	—	$	183,255	$	—	$	183,255
	There was no Level 3 activity including gains or losses recognized purchases, or sales transaction during the periods ending December 31, 2014 and December 31, 2013.
	Transfers between levels are recognized at the end of the reporting period. There were no transfers between Level 1, Level 2, and Level 3 at December 31, 2014 and December 31, 2013.

Premiums_Earned

Premiums Earned	12 Months Ended
	Dec. 31, 2014
Investments
Premiums Earned	10. Premiums Earned
	Premiums earned consist of the following for the years ended December 31:
	($ in thousands)	2014			2013			2012
	Premiums written	$	1,032,608		$	806,732		$	633,109
	Premiums assumed		1,517			3,233			1,712
	Premiums ceded		-935,051			-723,192			-555,656
	Net premiums retained		99,074			86,773			79,165
	Change in net unearned premiums		-2,424			-2,395			-1,069
	Total premiums earned	$	96,650		$	84,378		$	78,096
	Premiums assumed as a % of net premiums retained		1.5	%		3.7	%		2.2	%
	Premiums written for CPI include an allowance for return premiums and policy fees related to expected future policy cancellations. Original estimates are adjusted as the policies develop and additional information becomes known regarding actual cancellation rates.

Losses_and_Loss_Adjustment_Exp

Losses and Loss Adjustment Expenses	12 Months Ended
	Dec. 31, 2014
Investments
Losses and Loss Adjustment Expenses	11. Losses and Loss Adjustment Expenses
	Losses and loss adjustment expenses consist of the following for the years ended December 31:
	($ in thousands)	2014		2013		2012
	Direct losses and loss adjustment expenses	$	714,708	$	561,347	$	729,138
	Assumed losses and loss adjustment expenses		2,469		193		6,521
	Ceded losses and loss adjustment expenses		-676,356		-529,450		-706,670
	Total net losses and loss adjustment expenses	$	40,821	$	32,090	$	28,989
	Activity in the liability for unpaid losses and loss adjustment expenses at December 31, is summarized as follows:
	($ in thousands)	2014		2013		2012
	Balance at January 1	$	1,016,641	$	975,708	$	806,125
	Reinsurance recoverables		-1,006,892		-965,965		-797,961
	Net balance at January 1		9,749		9,743		8,164
	Incurred related to:
	Current year		41,314		33,163		28,894
	Prior year		-493		-1,073		95
	Total incurred		40,821		32,090		28,989
	Paid related to:
	Current year		34,251		27,388		23,392
	Prior year		6,194		4,696		4,018
	Total paid		40,445		32,084		27,410
	Net balance at December 31		10,125		9,749		9,743
	Reinsurance recoverables		1,199,780		1,006,892		965,965
	Balance at December 31	$	1,209,905	$	1,016,641	$	975,708
	The estimate for ultimate losses incurred on a net basis related to prior years decreased by $0.5 million in 2014, decreased by $1.1 million in 2013, and increased by $0.1 million in 2012. The favorable development in 2014 is primarily due to $706 thousand favorable development in our Lender Services segment.  The favorable development in 2013 is primarily due to $1.5 million favorable development in our Lender Services segment, partially offset by unfavorable development of $0.4 million for our Program Services segment. The small unfavorable development in 2012 is the result of unfavorable development of $2.1 million for our Program Services segment, largely offset by favorable development of $2.0 million for our Lender Services segment. All of these changes were the result of the re-estimation of unpaid losses and loss adjustment expenses due to ongoing analyses of recent loss development trends as new data becomes available. We had no significant changes in reserving assumptions or methodologies. The net changes in 2014, 2013 and 2012, are the result of ongoing analysis of recent loss development trends. Original estimates are adjusted as additional information becomes known regarding individual claims.

Statutory_Accounting

Statutory Accounting	12 Months Ended
	Dec. 31, 2014
Investments
Statutory Accounting	12. Statutory Accounting
	A reconciliation of the Company’s insurance subsidiaries’ (SNIC, NSIC, and USIC) shareholders’ equity and net income as of and for the years ended December 31 from Statutory Accounting Principles (SAP) to GAAP is as follows:
	($ in thousands)	2014		2013
	Per statutory basis	$	215,842	$	155,566
	Adjustments for:
	Allowance for return commissions		28,846		21,275
	Allowance for policy cancellations		-23,672		-16,644
	Commissions payable		14,105		10,597
	Deferred acquisition costs		13,149		13,233
	Deferred income taxes		-7,430		-5,909
	Unrealized gain on investments available-for-sale		5,586		2,445
	Management fees		-16,813		-13,838
	Intangible assets		1,947		1,947
	Nonadmitted assets		13		15
	Other		16		145
	Shareholders’ equity in accordance with GAAP	$	231,589	$	168,832
	($ in thousands)	2014		2013		2012
	Net income (insurance subsidiaries only):
	Per statutory basis	$	6,780	$	5,047	$	7,290
	Adjustments for:
	Allowance for return commissions		7,571		3,987		3,874
	Allowance for policy cancellations		-7,028		-2,551		-927
	Commission expense		3,508		1,874		935
	Deferred acquisition costs		-84		1,952		3,259
	Deferred income taxes		195		2,058		-795
	Management fees		-2,975		-3,947		-5,356
	Other		-129		-38		-30
	Net income in accordance with GAAP	$	7,838	$	8,382	$	8,250
	At December 31, 2014 and 2013, the amount of statutory capital and surplus for the consolidated insurance subsidiaries was $215.8 million and $155.6 million, respectively. At December 31, 2014 and 2013, minimum statutory capital and surplus required for SNIC, NSIC, and USIC was $5.0 million, $5.0 million and $750 thousand, respectively. The Texas Department of Insurance (the Department) requires approval for dividends from insurance subsidiaries that exceed statutory guidelines. The maximum dividend that may be paid without prior approval of the Commissioner of Insurance is limited to the greater of 10% of statutory surplus at the end of the preceding calendar year or the statutory net income of the preceding calendar year. At December 31, 2014, unrestricted net assets available for dividends were $21.6 million.
	The Company is required to comply with the NAIC’s Risk-Based Capital (RBC) requirements. Under the RBC standards, risks specific to the Company in such areas as asset risk, insurance risk, interest rate risk, and business risk are evaluated and compared to the Company’s capital and surplus to determine solvency margins. In its calculation of risk-based capital for SNIC and NSIC, the Company has deducted amounts for which it holds collateral (either trust funds in the name of the Company or irrevocable letters of credit) for amounts recoverable from reinsurance companies. The Company believes this practice to be appropriate because the credit risk for the related reinsurance balances is virtually eliminated due to the protection provided by the collateral. This practice differs from NAIC annual statement instructions. There is no monetary effect on net income or statutory surplus from the use of this practice. If the Company had not used this practice, the RBC calculations would not have resulted in a regulatory event in 2014 or 2013.
	At periodic intervals, the Department routinely examines the insurance subsidiaries’ statutory financial statements as part of its legally prescribed oversight of the insurance industry. Based on these examinations, regulators can direct that the statutory-basis financial statements be adjusted in accordance with their findings. The Texas Department of Insurance completed its examination of the December 31, 2006 through December 31, 2010, statutory-basis financial statements of NSIC and SNIC in 2012, with no significant findings reported. The Delaware Insurance Department also completed its examination of the December 31, 2006 through December 31, 2010, statutory-basis financial statements of USIC in 2012, with no significant findings reported.

RelatedParty_Transactions

Related-Party Transactions	12 Months Ended
	Dec. 31, 2014
Related Party Transactions
Related-Party Transactions	13. Related-Party Transactions
	The accompanying consolidated financial statements include other payables to an affiliate, Trace Air, Inc., in the amount of $100 thousand as of December 31, 2013.   The Company was party to an aircraft lease with Trace Air, Inc. with a term expiring in 2020.  Pursuant to the lease agreement, the Company leased the aircraft at a rate of $1,800 per hour of use, subject to a minimum monthly lease rate of $36 thousand.  In addition, the Company was responsible for operating and maintenance costs associated with the aircraft.  Under this agreement, we made aggregate payments to Trace Air, Inc. of $359 thousand, $692 thousand, and $687 thousand in 2014, 2013, and 2012, respectively.  This lease agreement was terminated following the completion of the private placement of company stock (See Note 20 — “Common Stock”).
	In 2014, prior to the completion of the private placement, the Company transferred real estate and certain vehicles valued at $513 thousand, equally to Trace Ledbetter and Luke Ledbetter, which amounts were included in founder special compensation in the 2014 consolidated statement of income.

401k_ProfitSharing_Plan_and_Tr

401(k) Profit-Sharing Plan and Trust	12 Months Ended
	Dec. 31, 2014
401(k) Profit-Sharing Plan and Trust
401(k) Profit-Sharing Plan and Trust	14. 401(k) Profit-Sharing Plan and Trust
	The Company has a 401(k) profit-sharing plan for employees that covers substantially all officers and employees who are at least 18 years of age. The Company is required to make a matching contribution of 50% of employees’ contributions, limited to 6% of eligible employees’ compensation. Also, the Company may make additional matching and profit-sharing contributions that are discretionary and are determined at the end of each plan year.  The employer contribution expense included in general and administrative expenses is $1.1 million, $1.0 million and $937 thousand as of December 31, 2014, 2013, and 2012, respectively.

Stockbased_Payments

Stock-based Payments	12 Months Ended
	Dec. 31, 2014
Stock-based Payments
Stock-based Payments	15. Stock-based Payments
	On May 29, 2014, the Company’s shareholders approved the 2014 Long-Term Incentive Plan (2014 Plan), which provides for an aggregate of 4.4 million shares of our common stock that may be issued to employees and non-employee directors. Awards under the 2014 Plan may be in the form of stock options (including incentive stock options that meet the requirements of Section 422 of the Internal Revenue Code and non-statutory stock options), restricted stock, restricted stock units, stock appreciation rights and performance units.  Upon completion of the private placement, the Company made grants of non-qualified stock options to our executive officers and certain employees to purchase an aggregate of 2,783,873 shares of our common stock.  In addition to the grants of non-qualified stock options, the Company made grants of 12,000 shares of restricted stock to our non-employee directors.  These non-qualified stock options and restricted stock grants are classified as equity based awards and will be recognized on a straight-line basis over the vesting period of 3 years and 1 year, respectively.
	The fair value of each stock option grant is established on the grant date using the Black-Scholes option pricing model with the following weighted-average assumptions.  The expected volatility is 32.96%, based on historical volatility of similar entities that are publicly traded for a period equal to the expected term. The estimated term of the options, all of which expire ten years after the grant date, is 5.5 years based on expected behavior of the group of option holders. The assumed risk-free interest rate is 1.85%, based on rates for U.S. Treasury Notes with maturity dates corresponding to the estimated term of the options on the date of grant.  The assumed dividend yield was 0.40% and no forfeitures are expected.
	The weighted average exercise price of non-vested options at December 31, 2014 was $10.  The Company does not have any stock options exercisable in the financial statement periods presented.  The Company did not recognize cash flows upon exercise or vesting of stock-based awards in the financial statement periods presented.
	On July 9, 2014 the company granted 38,500 shares of common stock to employees under the 2014 Plan.  The fair value of the shares was determined based on the most recent trading price of the stock.
	The Company measures compensation cost for stock awards at fair value and recognizes it over the service period for awards expected to vest.  Total stock-based compensation expense related to stock options and stock grants for the year ended December 31, 2014 was $2.0 million.  There was no stock-based compensation expense for the years ending December 31, 2013 and 2012.  Total recognized tax benefit related to the stock options and stock grants was $688 thousand the year ended December 31, 2014.  There was no recognized tax benefit related to stock options and stock grants for the years ended December 31, 2013 and 2012.
	As of December 31, 2014, there was $7.5 million of total unrecognized compensation cost related to non-vested share-based compensation grants.   This unrecognized compensation is expected to be recognized over a weighted-average period of two years.  The Company does not use multiple share-based payment arrangements.

Concentration_of_Risk

Concentration of Risk	12 Months Ended
	Dec. 31, 2014
Concentration of Risk
Concentration of Risk	16. Concentration of Risk
	The Company maintains cash and cash equivalents in accounts with financial institutions in excess of the amount insured by the Federal Deposit Insurance Corporation. The Company monitors the financial stability of these institutions regularly, and Management does not believe there is significant credit risk associated with deposits in excess of federally insured amounts.
	A significant portion of the Company’s writings occurs in California, New York, Texas, Florida and New Jersey. Two customers comprised approximately 5% of the Company’s CPI writings at December 31, 2014. Three reinsurers represent approximately 56% of the Company’s unsecured reinsurance recoverables at December 31, 2014.

Leases

Leases	12 Months Ended
	Dec. 31, 2014
Investments
Leases	17. Leases
	The Company previously leased a portion of its home office building to an unaffiliated third party under the terms of an operating lease. Rental income for the years ended December 31, 2014, 2013 and 2012 is $2.1 million, $1.4 million and $1.3 million, respectively.
	In November 2013, the Company received an early termination notice from the unaffiliated third party relating to the operating lease between the parties. The early termination notice was in compliance with the terms of the lease. The Company recognized $1.5 million in lease termination fees in 2014 due to the early termination of the lease.  The lease was considered an operating lease through the early termination date of November 30, 2014.

Commitments_and_Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2014
Commitments and Contingencies
Commitments and Contingencies	18.  Commitments and Contingencies
	The Company is involved in various legal proceedings incidental to its normal business activities. Management of the Company does not anticipate that the outcome of such legal actions will have a material effect on the Company’s consolidated financial position or results of operations.
	SNIC, NSIC, and USIC are subject to assessments from various insurance regulatory agencies related to insurance company insolvencies. Management is not aware of any material assessments for which notice has not yet been received. However, to the extent that such assessments are made, the Company has the contractual right to recover these amounts from the underlying reinsurers.
	In July 2009, the Company formed a Collateral Protection Alliance (the Alliance) with CUMIS Insurance Society, Inc., a subsidiary of CUNA Mutual, to administer and write CPI business for their customers. The Alliance includes an agency agreement and a reinsurance agreement whereby the Company ceded 50% of the business back to CUNA Mutual. The Company did not account for the Alliance as a business combination because it did not result in a change of control. In connection with the Alliance, the Company has a purchase option and CUNA Mutual has a put option, whereby the Company is obligated to purchase CUNA Mutual’s right to participate in future program business in the event of termination of the Alliance at a specified price.
	On May 19, 2014, the company signed an amendment to alter certain provisions of the July 24, 2009 Alliance with CUNA Mutual related to the Company’s collateral protection business.  The amendment, effective July 1, 2014, reduced CUNA Mutual’s quota share percentage under the reinsurance agreement from 50% to 30% for all policies written on or after July 1, 2014.  In addition, the term of the Alliance was extended through July 31, 2018, with an automatic three-year renewal (subject to the right of either party to give notice of nonrenewal); the termination rights for each party were modified, and the purchase price calculation was modified.
	In consideration of these changes, State National accrued the expense of $17.8 million as of June 30, 2014 and made two payments to CUNA Mutual on July 8, 2014.  The first payment of $14.8 million is not subject to any future adjustments.  The second payment of $3.0 million is subject to potential future adjustment based upon the net premium and loss ratio for the 12-month period ending June 30, 2015, with any payment adjustment due on August 7, 2015.

Earnings_Per_Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2014
Earnings Per Share
Earnings Per Share	19. Earnings Per Share
	We have adopted the provisions of ASC 260, “Earnings Per Share,” requiring presentation of both basic and diluted earnings per share. Earnings per share have been adjusted to reflect a 736 for one stock split in the form of a stock dividend on June 23, 2014.  A reconciliation of the numerators and denominators of the basic and diluted per share calculations is presented below:
		Year Ended
		December 31,		December 31,		December 31,
	($ in thousands, except for per share amounts)	2014		2013		2012
	Numerator for both basic and diluted earnings per share:
	Net income	$	11,013	$	22,711	$	15,882
	Denominator for both basic and diluted earnings per share:
	Weighted-average common shares outstanding		39,383,641		34,176,896		34,176,896
	Dilutive effect of outstanding securities (determined using the treasury stock method)		6,214		—		—
	Weighted-average common shares outstanding and potential common shares outstanding		39,389,855		34,176,896		34,176,896

Common_Stock

Common Stock	12 Months Ended
	Dec. 31, 2014
Common Stock.
Common Stock	20. Common Stock
	On June 25, 2014, the Company completed the sale of an aggregate of 31,050,000 shares of our common stock in a private placement exempt from registration under the Securities Act and received net proceeds of approximately $280.6 million.  Of the net proceeds from the private placement, the Company used approximately (i) $190.6 million to purchase 21,030,294 shares of common stock from certain of our shareholders pursuant to a stock redemption agreement entered into prior to the private placement, (ii) $17.8 million to make pre-tax payments to CUNA Mutual pursuant to a recent amendment of the alliance agreement (See Note 18 — “Commitments and Contingencies”) and (iii) $50 million to contribute to the capital of our insurance subsidiaries.
	On July 15, 2014, the Company filed a registration statement with the United States Securities and Exchange Commission.   On September 12, 2014, October 3, 2014 and October 22, 2014, the Company filed amendments to the registration statement for the resale of up to an aggregate of 30,728,500 shares of the Company’s common stock.  On October 30, 2014, the Company’s registration statement with the United States Securities and Exchange Commission became effective.

Segment_Information

Segment Information	12 Months Ended
	Dec. 31, 2014
Segment Information
Segment Information	21. Segment Information
	The Company’s reportable segments are strategic business units that offer different products and services.  They are managed separately because each business requires different technology and business strategies.  The Company operates through three business segments of which two operating segments are program services and lender services.  In the program services segment, the Company operates an issuing carrier business that leverages our “A” (Excellent) A.M. Best rating, expansive licenses and reputation to provide insurance capacity access to U.S. property and casualty insurance markets.  In the lender services segment, the Company specializes in providing collateral protection insurance, or CPI, which insures automobiles held as collateral for loans made by financial institutions.  The other segment is the Corporate segment.  This segment consists of the investment portfolio, subordinated debentures, and includes rental income, investment income, interest expense, and corporate expenses.
	The Company’s Corporate segment includes an asset for Property and equipment, net.  The depreciation of this asset is allocated to all segments based on estimated usage.  The depreciation allocated to the Lender segment was $1.4 million, $1.3 million and $1.4 million for the years ended December 31, 2014, 2013 and 2012, respectively.  The depreciation allocated to the Program segment was $397 thousand, $286 thousand and $292 thousand for the years ended December 31, 2014, 2013 and 2012, respectively.
	The following is business segment information for the twelve months ended December 31, 2014, 2013 and 2012:
	December 31, 2014
	($ in thousands)	Program		Lender		Corporate		Total
	Revenues:
	Premiums earned	$	-4	$	96,654	$	—	$	96,650
	Commission income		—		1,533		—		1,533
	Ceding fees		45,732		—		—		45,732
	Net investment income		—		—		4,841		4,841
	Realized net investment gains		—		—		1,311		1,311
	Other income		—		1,266		3,194		4,460
	Total revenues		45,728		99,453		9,346		154,527
	Expenses:
	Losses and loss adjustment expenses		217		40,604		—		40,821
	Commissions		2		3,880		—		3,882
	Taxes, licenses, and fees		8		2,824		—		2,832
	General and administrative		10,855		38,995		9,041		58,891
	Founder special compensation		—		—		17,914		17,914
	Offering-related expenses		—		—		8,833		8,833
	Contract modification expense		—		17,800		—		17,800
	Interest expense		—		—		2,237		2,237
	Total expenses		11,082		104,103		38,025		153,210
	Income (loss) before income taxes		34,646		-4,650		-28,679		1,317
	Income tax expense/(benefit)		—		—		-9,696		-9,696
	Net income (loss)	$	34,646	$	-4,650	$	-18,983	$	11,013
	Supplemental Information:
	Gross premiums written	$	909,501	$	124,624	$	—	$	1,034,125
	Net premiums written	$	-5	$	99,079	$	—	$	99,074
	December 31, 2013
	($ in thousands)	Program		Lender		Corporate		Total
	Revenues:
	Premiums earned	$	-501	$	84,879	$	—	$	84,378
	Commission income		—		2,031		—		2,031
	Ceding fees		32,898		—		—		32,898
	Net investment income		—		—		4,901		4,901
	Realized net investment gains		—		—		1,764		1,764
	Other income		3		1,101		1,427		2,531
	Total revenues		32,400		88,011		8,092		128,503
	Expenses:
	Losses and loss adjustment expenses		465		31,625		—		32,090
	Commissions		389		1,989		—		2,378
	Taxes, licenses, and fees		10		2,584		—		2,594
	General and administrative		11,010		36,020		6,388		53,418
	Founder special compensation		—		—		10,202		10,202
	Interest expense		—		—		2,323		2,323
	Total expenses		11,874		72,218		18,913		103,005
	Income (loss) before income taxes		20,526		15,793		-10,821		25,498
	Income tax expense/(benefit)		—		—		2,787		2,787
	Net income (loss)	$	20,526	$	15,793	$	-13,608	$	22,711
	Supplemental Information:
	Gross premiums written	$	691,067	$	118,898	$	—	$	809,965
	Net premiums written	$	-1,018	$	87,791	$	—	$	86,773
	December 31, 2012
	($ in thousands)	Program		Lender		Corporate		Total
	Revenues:
	Premiums earned	$	1,600	$	76,496	$	—	$	78,096
	Commission income		—		2,406		—		2,406
	Ceding fees		32,379		—		—		32,379
	Net investment income		—		—		5,525		5,525
	Realized net investment gains		—		—		1,309		1,309
	Other income		2		945		1,461		2,408
	Total revenues		33,981		79,847		8,295		122,123
Expenses:
Losses and loss adjustment expenses		3,062		25,927		—		28,989
Commissions		482		2,440		—		2,922
Taxes, licenses, and fees		31		2,363		—		2,394
General and administrative		9,316		39,193		5,605		54,114
Founder special compensation		—		—		10,740		10,740
Interest expense		—		—		2,427		2,427
Total expenses		12,891		69,923		18,772		101,586
Income (loss) before income taxes		21,090		9,924		-10,477		20,537
Income tax expense/(benefit)		—		—		4,655		4,655
Net income (loss)	$	21,090	$	9,924	$	-15,132	$	15,882
Supplemental Information:
Gross premiums written	$	530,621	$	104,200	$	—	$	634,821
Net premiums written	$	1,141	$	78,024	$	—	$	79,165
The following tables summarize the financial position of the Company’s segments as of December 31, 2014 and 2013.
December 31, 2014
($ in thousands)	Program		Lender		Corporate		Total
Assets:
Accounts receivable from agents, net	$	18,349	$	179	$	—	$	18,528
Reinsurance recoverable on paid losses		57		1,143		—		1,200
Reinsurance recoverables		1,650,205		6,329		—		1,656,534
Deferred income taxes, net		—		—		23,864		23,864
Goodwill and intangible assets, net		2,115		4,568		—		6,683
Other assets		7,245		4,051		373,659		384,955
Total assets	$	1,677,971	$	16,270	$	397,523	$	2,091,764
Liabilities:
Unpaid losses and loss adjustment expenses	$	1,201,279	$	8,626	$	—	$	1,209,905
Unearned premiums		451,993		28,131		—		480,124
Allowance for policy cancellations		—		55,500		—		55,500
Deferred ceding fees		23,612		—		—		23,612
Other liabilities		19,990		6,603		55,158		81,751
Total liabilities	$	1,696,874	$	98,860	$	55,158	$	1,850,892
December 31, 2013
($ in thousands)	Program		Lender		Corporate		Total
Assets:
Accounts receivable from agents, net	$	17,261	$	45	$	—	$	17,306
Reinsurance recoverable on paid losses		5		875		—		880
Reinsurance recoverables		1,362,719		9,506		—		1,372,225
Deferred income taxes, net		—		—		3,728		3,728
Goodwill and intangible assets, net		2,115		5,791		—		7,906
Other assets		7,495		3,441		277,970		288,906
Total assets	$	1,389,595	$	19,658	$	281,698	$	1,690,951
Liabilities:
Unpaid losses and loss adjustment expenses	$	1,009,068	$	7,573	$	—	$	1,016,641
Unearned premiums		357,681		28,598		—		386,279
Allowance for policy cancellations		—		39,623		—		39,623
Deferred ceding fees		18,735		—		—		18,735
Other liabilities		19,415		5,386		59,518		84,319
Total liabilities	$	1,404,899	$	81,180	$	59,518	$	1,545,597

Condensed_Quarterly_Financial_

Condensed Quarterly Financial Data - Unaudited	12 Months Ended
	Dec. 31, 2014
Investments
Condensed Quarterly Financial Data - Unaudited	22. Condensed Quarterly Financial Data - Unaudited
	The following tables summarize our quarterly financial data:
		2014 Quarters Ended
	($ in thousands)	Mar 31		Jun 30		Sep 30		Dec 31
	Total revenues	$	35,527	$	35,403	$	40,571	$	43,026
	Total expenses		37,791		54,481		29,221		31,717
	Income (loss) before income taxes		-2,264		-19,078		11,350		11,309
	Income tax expense (benefit)		1,136		-19,685		4,391		4,462
	Net income (loss)		-3,400		607		6,959		6,847
	Basic earnings per share	$	-0.1	$	0.02	$	0.16	$	0.15
	Diluted earnings per share		-0.1		0.02		0.16		0.15
		2013 Quarters Ended
	($ in thousands)	Mar 31		Jun 30		Sep 30		Dec 31
	Total revenues	$	29,822	$	28,901	$	32,502	$	37,278
	Total expenses		32,823		22,057		24,324		23,801
	Income (loss) before income taxes		-3,001		6,844		8,178		13,477
	Income tax expense (benefit)		906		1,149		1,181		-449
	Net income (loss)		-3,907		5,695		6,997		13,926
	Basic earnings per share	$	-0.11	$	0.17	$	0.20	$	0.41
	Diluted earnings per share		-0.11		0.17		0.20		0.41
	For the year ended December 31, 2014, the Company’s non-recurring, unusual or infrequently occurring items recognized in total expenses included offering related expenses in connection with the private placement of its stock, founder special compensation expenses and contract modification expense related to the amendment to the Company’s alliance agreement with CUNA Mutual.  The effect of offering related expenses was $7.1 million, $1.1 million, and $603 thousand for the quarters ended June 30, 2014, September 30, 2014 and December 31, 2014, respectively.  The effect of founder special compensation expenses was $11.2 million and $6.7 million for the quarters ended March 31, 2014 and June 30, 2014, respectively. The Company recognized contract modification expenses of $17.8 million for the quarter ended June 30, 2014.
	For the year ended December 31, 2013, the Company’s non-recurring, unusual or infrequently occurring items included in total expenses was founder special compensation expenses.  The effect of these expenses was $10.0 million and $202 thousand for the quarters ended March 31, 2013 and June 30, 2013, respectively.

Subsequent_Events

Subsequent Events	12 Months Ended
	Dec. 31, 2014
Subsequent Events
Subsequent Events	23. Subsequent Events
	No items were identified in the period subsequent to the financial statement date that required adjustment or disclosure.

Annual_Schedules_Condensed_Fin

Annual Schedules - Condensed Financial Information of the Registrant	12 Months Ended
	Dec. 31, 2014
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	Annual Schedules
	State National Companies, Inc.
	Parent Company Only
	Consolidated Balance Sheets
	($ in thousands, except for per share information)
		December 31
		2014		2013
	Assets
	Cash and cash equivalents	$	57	$	—
	Investment in subsidiaries		241,167		155,360
	Income taxes receivable		57		—
	Deferred income taxes, net		552		—
	Other assets		717		—
	Total assets	$	242,550	$	155,360
	Liabilities
	Other payables, affiliate	$	1,678	$	10,006
	Total liabilities		1,678		10,006
	Shareholders’ equity
	Common stock, $.001 par value (150,000,000 shares authorized; 44,247,102 and 40,627,200 shares issued at December 31, 2014 and December 31, 2013, respectively)		44		41
	Preferred stock, $.001 par value (10,000,000 and zero shares authorized at December 31, 2014 and December 31, 2013, respectively; no shares issued and outstanding at December 31, 2014 and December 31, 2013)		—		—
	Additional paid-in capital		220,577		24,367
	Retained earnings		16,108		128,830
	Treasury stock (zero and 6,450,304 shares at cost at December 31, 2014 and December 31, 2013, respectively)		—		-10,000
	Accumulated other comprehensive income		4,143		2,116
	Total shareholders’ equity		240,872		145,354
	Total liabilities and shareholders’ equity	$	242,550	$	155,360
	State National Companies, Inc.
	Parent Company Only
	Consolidated Statements of Income
	($ in thousands)
			Year Ended December 31,
		2014		2013		2012
	Revenues:
	Equity in earnings of subsidiaries	$	13,019	$	22,711	$	15,883
	Total revenues		13,019		22,711		15,883
	Expenses:
	General and administrative		3,086		—		1
	Total expenses		3,086		—		1
	Income before income taxes		9,933		22,711		15,882
	Income taxes:
	Current		-528		—		—
	Deferred		-552		—		—
	Net income	$	11,013	$	22,711	$	15,882
	State National Companies, Inc.
	Parent Company Only
	Consolidated Statements of Cash Flows
	($ in thousands)
		Year Ended December 31,
		2014		2013		2012
	Operating activities:
	Net income	$	11,013	$	22,711	$	15,882
	Adjustments to reconcile net income to net cash used in operating activities:
	Equity in earnings of subsidiaries		-13,019		-22,711		-15,883
	Deferred income taxes, net		-552		—		—
	Share-based compensation		2,012		—		—
	Change in:
	Income taxes receivable		-57		—		—
	Other assets		-717		—		—
	Other payables, affiliate		-8,328		—		1
	Net cash used in operating activities		-9,648		—		—
	Investing activities:
	Capital contribution to subsidiary		-87,000		—		—
	Net cash used in investing activities		-87,000		—		—
	Financing activities:
Distributions received		16,239		15,295		14,176
Dividends paid		-16,683		-15,295		-14,176
Proceeds from issuances of common stock		289,322		—		—
Costs directly attributable to issuance of common stock		-1,578		—		—
Redemption of existing common stock		-190,595		—		—
Net cash provided by financing activities		96,705		—		—
Net change in cash and cash equivalents		57		—		—
Cash and cash equivalents at beginning of year		—		—		—
Cash and cash equivalents at end of year	$	57	$	—	$	—

Supplementary_Insurance_Inform

Supplementary Insurance Information	12 Months Ended
	Dec. 31, 2014
Supplementary Insurance Information
Supplementary Insurance Information	State National Companies, Inc.
	Supplementary Insurance Information
	December 31, 2014			Loss and LAE				Earned		Net Investment		Loss and LAE		DAC		General and		Net Written
	($ in thousands)	DAC		Reserves		UPR		Premium		Income		Incurred		Amortization		Administrative Expenses		Premium
	Program	$	—	$	1,201,279	$	451,993	$	-4	$	—	$	217	$	—	$	10,855	$	-5
	Lender		1,036		8,626		28,131		96,654		—		40,604		4,966		38,995		99,079
	Corporate		—		—		—		—		4,841		—		—		26,955
	Total	$	1,036	$	1,209,905	$	480,124	$	96,650	$	4,841	$	40,821	$	4,966	$	76,805	$	99,074
	December 31, 2013			Loss and LAE				Earned		Net Investment		Loss and LAE		DAC		General and		Net Written
	($ in thousands)	DAC		Reserves		UPR		Premium		Income		Incurred		Amortization		Administrative Expenses		Premium
	Program	$	1	$	1,009,068	$	357,681	$	-501	$	—	$	465	$	163	$	11,010	$	-1,018
	Lender		1,094		7,573		28,598		84,879		—		31,625		4,736		36,020		87,791
	Corporate		—		—		—		—		4,901		—		—		16,590		—
	Total	$	1,095	$	1,016,641	$	386,279	$	84,378	$	4,901	$	32,090	$	4,899	$	63,620	$	86,773
	December 31, 2012			Loss and LAE				Earned		Net Investment		Loss and LAE		DAC		General and		Net Written
	($ in thousands)	DAC		Reserves		UPR		Premium		Income		Incurred		Amortization		Administrative Expenses		Premium
	Program	$	157	$	969,642	$	229,579	$	1,600	$	—	$	3,062	$	478	$	9,316	$	1,141
	Lender		1,019		6,066		24,059		76,496		—		25,927		7,529		39,193		78,024
	Corporate		—		—		—		—		5,525		—		—		16,345		—
	Total	$	1,176	$	975,708	$	253,638	$	78,096	$	5,525	$	28,989	$	8,007	$	64,854	$	79,165

Supplementary_Schedule_of_Allo

Supplementary Schedule of Allowance For Policy Cancellations	12 Months Ended
	Dec. 31, 2014
Supplementary Schedule of Allowance for Policy Cancellations
Schedule Of Supplementary Policy Cancellations	State National Companies, Inc.
	Supplementary Schedule of Allowance for Policy Cancellations
		Year Ended December 31,
	($ in thousands)	2014		2013		2012
	Beginning balance	$	39,623	$	32,775	$	27,511
	Additions		209,335		165,030		132,408
	Deductions		-197,678		-160,940		-128,881
	Prior year development		4,220		2,758		1,737
	Ending balance	$	55,500	$	39,623	$	32,775
	Allowance for policy cancellations is established based on estimates of expected future policy cancellations associated with new business written. Deductions are made as policy cancellations occur and return premiums are paid in subsequent months.  The allowance for policy cancellations in 2014, 2013, and 2012 included upward revisions to prior year estimates of $4.2 million,  $2.8 million, and $1.8 million, respectively. Because of the interplay between the allowance for policy cancellations and the related unearned premium reserve, changes in the allowance for policy cancellations are partially offset by related changes in the unearned premium reserve and amounts ceded to reinsurers. After taking into account the associated changes in unearned premium and amounts ceded to reinsurers, the net negative impact to the balance sheet and the corresponding reduction in net income from the revised estimates in each of the years ending December 31, 2014, 2013, and 2012 was approximately $2.2 million,  $1.6 million, and $1.3 million, respectively.

Summary_of_Significant_Account1

Summary of Significant Accounting Policies (Policy )	12 Months Ended
	Dec. 31, 2014
Summary of Significant Accounting Policies
Description of Business	Description of Business
	State National Companies, Inc. (the Company) refers to a group of companies that conduct insurance-related activities along two major segments. One segment (the Company’s program services segment) involves the writing of “program business,” which includes books of business produced by general agents, for which the Company receives ceding fees. Substantially all of the risk associated with the program business is ceded to unaffiliated, highly rated reinsurance companies or other reinsurers that provide substantial collateral. A second segment (the Company’s lender services segment) involves the writing and insuring of lines of insurance marketed to lending institutions, primarily collateral protection insurance (CPI) policies.
	Principles of Consolidation
	The consolidated financial statements include the accounts of the Company and its wholly owned subsidiaries. All intercompany accounts and transactions have been eliminated in consolidation.
Consolidation, Policy [Policy Text Block]	Principles of Consolidation
	The consolidated financial statements include the accounts of the Company and its wholly owned subsidiaries. All intercompany accounts and transactions have been eliminated in consolidation.
Basis of Presentation	Basis of Presentation
	The accompanying consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (GAAP), which, as to our insurance company subsidiaries, differ from statutory accounting practices prescribed or permitted for insurance companies by insurance regulatory authorities.
Estimates	Estimates
	The preparation of financial statements in conformity with GAAP requires Management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the dates of the financial statements and the reported amounts of revenues and expenses during the reporting periods. Actual results could differ materially from these estimates.
	Fair Value of Financial Instruments
	Cash and Cash Equivalents:  The carrying amounts reported in the consolidated balance sheets approximate fair value.
	Restricted Cash and Investments:  The carrying amounts reported in the consolidated balance sheets approximate fair value.
	Short-term Investments:  The carrying amounts reported in the consolidated balance sheets approximate fair value.
	Investments:  See Note 9 – “Fair Value Measurements”
	Land held for sale:  The land held for sale is carried at fair value less expected selling costs.
	Payables and Receivables:  Reinsurance recoverable on paid losses, reinsurance recoverables, agents’ balances receivable and payable, and payable to insurance companies are carried at cost, which approximates fair value.
	Subordinated Debentures:  The amounts reported in the consolidated balance sheets are carried at par, which approximates their estimated fair value due to the floating interest rate provisions of the debt instruments.
	Income taxes receivable/payable: The carrying amounts reported in the consolidated balance sheets approximate fair value.
	Other assets/liabilities: The carrying amounts reported in the consolidated balance sheets approximate fair value.
	Cash and Cash Equivalents
	All highly liquid investments with an original maturity of three months or less are considered cash equivalents.
	Short-Term Investments
	Short-term investments represent investments with original maturities of more than three months but less than one year.
	Restricted Cash and Investments
	Restricted cash and investments are primarily comprised of deposits made by a reinsurer that cover losses for a program up to the contractual threshold. These fiduciary cash and investment balances are invested at the direction of the reinsurer for this program; accordingly, income earned on these balances inures to the benefit of the reinsurer.
	Investments
	Investments are considered available-for-sale and are carried at fair value. The Company measures the fair value of the investments based upon quoted market prices from an independent pricing service and its third-party investment managers, using observable market information. The cost of securities sold is based on the specific identification method. Unrealized gains and losses associated with the available-for-sale portfolio, as a result of temporary changes in fair value during the period such investments are held, are reflected net of income taxes and reported in other comprehensive income as a separate component of shareholders’ equity. Unrealized losses associated with the available-for-sale portfolio that are deemed to be other-than-temporary are charged to income in the period in which the other-than-temporary impairment is determined. Debt security premiums and discounts are amortized into earnings using the effective-interest method.
	The Company evaluates its investment portfolio for impairments of individual securities that are deemed to be other-than-temporary. Fixed maturity securities that are determined to have other-than-temporary impairment and it is more likely than not the Company will sell before recovery of their amortized cost, are written down to fair value and the entire amount of the write-down is included in net income, net of realized investment gains. For all other impaired fixed-maturity securities, the impairment loss is separated into the amount representing the credit loss and the amount representing all other factors. The amount of impairment loss that represents the credit loss is included in net income, net of realized investment gains. The amount of the impairment loss that relates to all other factors is included in other comprehensive income. Equity securities that are determined to have other-than-temporary impairment are recognized in net income, net of realized investment gains.
	The process for identifying other-than-temporary declines in fair value involves the consideration of several factors, including, but not limited to, whether the issuer has been downgraded to below investment-grade, the length of time in which there has been a significant decline in value, the liquidity and overall financial condition of the issuer, the nature and performance of the collateral or other credit support backing the security, the significance of the decline in value, and whether the Company has the intent to sell the security or may be required to sell the security prior to its anticipated recovery. The Company reviews securities for other-than-temporary impairment internally and with its investment advisors.
	Deferred Acquisition Costs
	Effective January 1, 2012, the Company adopted Accounting Standards Update (ASU) No. 2010-26, Accounting for Costs Associated with Acquiring or Renewing Insurance Contracts. The guidance identifies those costs relating to the successful acquisition of new or renewal insurance contracts that should be capitalized. The Company elected prospective application of this guidance (see Note 3 – Deferred Acquisition Costs).
	Certain costs, primarily premium taxes, commissions, and general expenses that are directly related to the successful acquisition of new or renewal business are deferred to the extent recoverable from future premiums earned. Deferred acquisition costs are amortized in proportion to the related unearned premium reserve over the terms of the related policies. Investment income is not included in the Company’s recoverability analysis of deferred acquisition costs.
	Deferred Ceding Fees
	Ceding fees that are associated with unearned premiums are established as a liability and amortized into income pro rata over the life of the underlying business.
Property, Equipment, and Depreciation	Property, Equipment, and Depreciation
	Property and equipment are recorded at cost and depreciated. Depreciation is computed using the straight-line method over the estimated useful lives of the assets (ranging from three to twenty years). The Company changed its capitalization threshold as of January 1, 2014 from $1 thousand to $5 thousand per item. Gains and losses on the disposition of fixed assets are determined on a specific asset identification basis and are included in net income. Land held for sale is carried at fair value less expected selling costs.
	Goodwill and Intangible Assets
	Goodwill is the difference between the purchase price in a business combination and the fair value of assets acquired and liabilities assumed, and is not amortized. Intangible assets include assets with a finite life, primarily customer relationships/lists, and are amortized over the estimated useful life of the asset in proportion to the expected benefit.
	Goodwill is tested for impairment on an annual basis or more frequently if events or changes in circumstances indicate that the carrying amount may not be recoverable. The impairment test is performed using a two-step process. In the first step, the fair value of a reporting unit is compared to its carrying value. If the carrying value of a reporting unit exceeds its fair value, the second step of the impairment test is performed for purposes of measuring the impairment.
	In the second step, the fair value of the reporting unit is allocated to all of the assets and liabilities of the reporting unit to determine an implied goodwill value. If the carrying amount of the reporting unit goodwill exceeds the implied goodwill value, an impairment loss is recognized in an amount equal to that excess.
	As of December 31, 2014, the Company performed the first step of its annual goodwill assessment for the individual reporting units to which goodwill is allocated and determined there is no impairment of goodwill.
	The Company periodically evaluates the recoverability of intangible assets and takes into account events or circumstances that warrant revised estimates of useful lives or that indicate that impairment exists. No impairments were recognized in 2014, 2013 or 2012.
	Unpaid Losses and Loss Adjustment Expenses
	The liability for unpaid losses and loss adjustment expenses includes an estimate for claims reported and an additional liability for claims incurred but not reported, based on the Company’s historical loss experience. While Management believes the amounts included in the consolidated financial statements are adequate, such estimates may be more or less than the amount ultimately paid when the claims are settled. These estimates are continually reviewed and adjusted, as necessary, as experience develops or as new information becomes known; such adjustments are included in current operations.
	Allowance for Policy Cancellations
	An allowance for policy cancellations is provided for the estimated amount of return premiums and policy fees, net of commission expense and premium taxes that will be incurred on expected future policy cancellations associated with the Company’s CPI business. The allowance is based on the Company’s historical cancellation experience.
	While Management believes the amounts included in the consolidated financial statements are adequate, such estimates may be more or less than the amounts ultimately refunded. The estimates are continually reviewed by Management, and any changes are reflected in current operations.
	Reinsurance
	Reinsurance premiums, losses, and loss adjustment expenses are accounted for on bases consistent with those used in accounting for the original policies issued and the terms of the reinsurance contracts.
Earnings Per Share	Earnings Per Share
	The computation of earnings per share is based upon the weighted average number of common shares outstanding during the period plus the effect of common shares potentially issuable (in periods in which they have a dilutive effect).  Earnings per share have been adjusted to reflect a 736 for 1 stock split in the form of a stock dividend on June 23, 2014.
Income Taxes	Income Taxes
	Historically, the Company had elected for its parent company to be taxed for federal income tax purposes as a “Subchapter S corporation” under the Internal Revenue Code.  On June 25, 2014, the Company completed a private placement of common stock, which resulted in the termination of its Subchapter S corporation status.  Prior to this change in tax status, deferred income taxes were recorded only on the Company’s insurance subsidiaries (and their immediate parent) to reflect the tax consequences on future years of differences between the tax bases of assets and liabilities and their financial reporting amounts at each year-end. All other entities included in the consolidated group filed under Subchapter S Corporation status; therefore, no provision for income taxes had been recorded for these entities.  The Company recorded a net deferred income tax benefit related to this change in tax status to reflect the tax consequences on future years of differences between the tax bases of assets and liabilities and their financial reporting amounts.
	For any uncertain tax positions not meeting the “more likely than not” recognition threshold, accounting standards require recognition, measurement, and disclosure in the financial statements. There were no uncertain tax positions at December 31, 2014 and December 31, 2013.
	Income Recognition
	Premiums on CPI business are earned on a pro rata basis over the terms of the policies after taking into consideration the allowance for policy cancellations. Premiums on program business are earned on a pro rata basis over the terms of the policies. Ceding fees are earned on the same basis as the underlying premiums.
	Program Business
	In connection with writing program business, the Company enters into contractual agreements with both the producing general agents and the reinsurers, whereby the general agents and reinsurers are obligated to each other for payment of insurance amounts, including premiums, commissions, and losses. These funds do not flow through the Company, but are settled directly between the general agent and the reinsurer; accordingly, no receivables or payables are recorded for these amounts. All obligations of SNIC, NSIC, and USIC owed to or on behalf of their policyholders are recorded by the Company and, to the extent appropriate, offsetting reinsurance recoverables are recorded.
Pro Forma Financial Information	Pro Forma Financial Information (Unaudited)
	On June 25, 2014, the Company completed a private placement of common stock, which resulted in the termination of its Subchapter S corporation status.  All of the Company’s entities are now considered C corporations. Pro forma amounts for income tax expense (benefit) and basic and diluted earnings per share have been presented assuming the Company’s effective tax rate of 37.5%,  38.1% and 37.2% for the periods ending December 31, 2014, 2013, and 2012, respectively.
Stock-based Compensation	Stock-based Compensation
	Compensation expense for stock-based payments is recognized based on the measurement-date fair value for awards that will settle in shares.  Compensation expense for awards that are settled in equity are recognized on a straight line pro rata basis over the vesting period.  See Note 15 — “Stock-based Payments” for related disclosures.
Recent Accounting Pronouncements	Recent Accounting Pronouncements
	In June 2014, the FASB issued an accounting standards update (ASU 2014-12), “Compensation – Stock Compensation” (Topic 718). The main provision of this ASU requires that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition.  Compensation cost should be recognized in the period in which it becomes probable that the performance target will be achieved and should represent the compensation cost attributable to the period(s) for which the requisite service has already been rendered. If the performance target becomes probable of being achieved before the end of the requisite service period, the remaining unrecognized compensation cost should be recognized prospectively over the remaining requisite service period. This ASU is effective for annual reporting periods beginning after December 15, 2015 and interim periods within those annual periods.  This ASU does not impact the Company’s financial statements as the Company has not awarded any performance based stock compensation.
	In May 2014, the FASB issued an accounting standards update (ASU 2014-09), “Revenue from Contracts with Customers” (Topic 606). The core guidance of the ASU presents a comprehensive new revenue recognition model that requires a company to recognize revenue to depict the transfer of goods or services to a customer at an amount that reflects the consideration it expects to receive in exchange for those goods or services. The ASU provides a five-step analysis of transactions to determine when and how revenue is recognized and requires additional disclosures sufficient to describe the nature, amount, timing and uncertainty of revenue and cash flows for these transactions. This ASU is effective for annual periods beginning after December 15, 2016, including interim periods within that period.  Early adoption is not permitted under GAAP.  As insurance contracts are excluded from this ASU, the Company is currently evaluating what impact, if any, this ASU will have on our financial results and disclosures and which adoption method to apply.
	In February 2013, the FASB issued an accounting standards update (ASU 2013-02), “Comprehensive Income” (Topic 220) that requires additional disclosures for amounts reclassified out of accumulated other comprehensive income by component. Additionally, significant amounts reclassified out of accumulated other comprehensive income must be disclosed by the respective line items of net income either on the face of the statement where income is presented or in the notes to the financial statements only if the amount reclassified is required under GAAP to be reclassified to net income in its entirety in the same reporting period. Amounts that are not required to be reclassified in their entirety to net income should be cross-referenced to other disclosures required under GAAP that provide additional detail about the amounts. The impact of this disclosure on the Company’s financial statements is minimal.

Investments_Tables

Investments (Tables)	12 Months Ended
	Dec. 31, 2014
Investments
Summary of amortized cost, gross unrealized gains and losses, and the fair value of investment securities by class
		Cost or		Gross		Gross
	December 31, 2014	Amortized		Unrealized		Unrealized		Fair
	($ in thousands)	Cost		Gains		Losses		Value
	Fixed-maturity securities
	Government	$	13,896	$	195	$	-49	$	14,042
	Government agency		2,325		57		-9		2,373
	State and municipality		61,179		1,200		-27		62,352
	Industrial and miscellaneous		108,125		2,582		-460		110,247
	Residential mortgage-backed		96,610		1,825		-764		97,671
	Commercial mortgage-backed		22,483		339		-27		22,795
	Redeemable preferred stock		401		30		—		431
	Total fixed-maturity securities		305,019		6,228		-1,336		309,911
	Equity securities
	Non-redeemable preferred stock		1,407		806		—		2,213
	Common stock		12		417		—		429
	Total equity securities		1,419		1,223		—		2,642
	Total investments	$	306,438	$	7,451	$	-1,336	$	312,553
		Cost or		Gross		Gross
	December 31, 2013	Amortized		Unrealized		Unrealized		Fair
	($ in thousands)	Cost		Gains		Losses		Value
	Fixed-maturity securities
	Government	$	9,785	$	216	$	-146	$	9,855
	Government agency		2,803		66		-29		2,840
	State and municipality		40,823		919		-557		41,185
	Industrial and miscellaneous		51,005		2,113		-460		52,658
	Residential mortgage-backed		65,622		1,397		-1,685		65,334
	Commercial mortgage-backed		8,462		276		-67		8,671
	Redeemable preferred stock		401		10		—		411
	Total fixed-maturity securities		178,901		4,997		-2,944		180,954
	Equity securities
	Non-redeemable preferred stock		1,191		614		-3		1,802
	Common stock		149		350		—		499
	Total equity securities		1,340		964		-3		2,301
	Total investments	$	180,241	$	5,961	$	-2,947	$	183,255
Schedule of gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position
		Less than 12 Months				12 Months or More				Total
	December 31, 2014	Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	($ in thousands)	Value		Losses		Value		Losses		Value		Losses
	Fixed-maturity securities
	Government	$	522	$	-2	$	3,094	$	-47	$	3,616	$	-49
	Government agency		—		—		685		-9		685		-9
	State and municipality		4,164		-10		2,001		-17		6,165		-27
	Industrial and miscellaneous		34,433		-418		2,637		-42		37,070		-460
	Residential mortgage-backed		15,491		-94		19,428		-670		34,919		-764
	Commercial mortgage-backed		2,528		-14		694		-13		3,222		-27
	Total fixed-maturity securities	$	57,138	$	-538	$	28,539	$	-798	$	85,677	$	-1,336
		Less than 12 Months				12 Months or More				Total
	December 31, 2013	Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	($ in thousands)	Value		Losses		Value		Losses		Value		Losses
	Fixed-maturity securities
	Government	$	4,313	$	-146	$	—	$	—	$	4,313	$	-146
	Government agency		686		-29		—		—		686		-29
	State and municipality		17,046		-557		—		—		17,046		-557
	Industrial and miscellaneous		12,896		-424		1,424		-36		14,320		-460
	Residential mortgage-backed		28,564		-934		9,392		-751		37,956		-1,685
	Commercial mortgage-backed		1,945		-67		—		—		1,945		-67
	Total fixed-maturity securities		65,450		-2,157		10,816		-787		76,266		-2,944
	Equity securities
	Non-redeemable preferred stock		—		—		168		-3		168		-3
	Total equity securities		—		—		168		-3		168		-3
		$	65,450	$	-2,157	$	10,984	$	-790	$	76,434	$	-2,947
Schedule of gross realized gains (losses)
		Year Ended
		December 31,		December 31,		December 31,
	($ in thousands)	2014		2013		2012
	Realized gains:
	Fixed-maturity securities	$	1,388	$	1,861	$	1,588
	Equity securities		34		171		38
	Gross realized gains		1,422		2,032		1,626
	Realized losses:
	Fixed-maturity securities		-92		-149		-99
	Equity securities		-19		—		—
	Other-than-temporary impairment losses on fixed-maturity securities		—		-119		-218
	Gross realized losses		-111		-268		-317
	Net realized investment gains	$	1,311	$	1,764	$	1,309
Schedule detailing the maturities of the Company's fixed-maturity securities, available-for-sale
				Fair
	($ in thousands)	Amortized Cost		Value
	Due in one year or less	$	12,874	$	13,171
	Due after one year through five years		73,499		74,507
	Due after five years through ten years		90,534		92,012
	Due after ten years		9,019		9,755
	Residential mortgage-backed securities		96,610		97,671
	Commercial mortgage-backed securities		22,483		22,795
		$	305,019	$	309,911
Schedule of net investment income
		Year Ended
		December 31,		December 31,		December 31,
	($ in thousands)	2014		2013		2012
	Interest on investments	$	5,254	$	5,202	$	5,849
	Dividends		135		107		85
	Gross investment income		5,389		5,309		5,934
	Investment expenses		-548		-408		-409
	Net investment income	$	4,841	$	4,901	$	5,525

Deferred_Acquisition_Costs_Tab

Deferred Acquisition Costs (Tables)	12 Months Ended
	Dec. 31, 2014
Income Tax Provision
Schedule of deferred acquisition costs
	($ in thousands)	2014		2013		2012
	Balance, beginning of year	$	1,095	$	1,176	$	4,111
	Capitalized costs		4,907		4,818		5,072
	Amortization		-4,966		-4,899		-8,007
	Balance, end of year	$	1,036	$	1,095	$	1,176

Property_Equipment_and_Depreci1

Property, Equipment, and Depreciation (Tables)	12 Months Ended
	Dec. 31, 2014
Income Tax Provision
Summary of property, equipment, and depreciation
	($ in thousands)	2014		2013
	Land held for use	$	3,443	$	3,473
	Land held for sale		1,034		1,034
	Building and improvements		15,127		15,371
	Transportation equipment		1,578		2,399
	Furniture and fixtures		3,208		3,243
	Computer equipment and software		6,849		5,441
			31,239		30,961
	Accumulated depreciation and amortization		-12,842		-11,696
	Property and equipment, net	$	18,397	$	19,265

Goodwill_and_Intangible_Assets1

Goodwill and Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2014
Goodwill and Intangible Assets
Schedule of net carrying amount of intangible assets and goodwill
	($ in thousands)	Gross Carrying Amount		Accumulated Amortization		Net Carrying Amount
	December 31, 2014
	Goodwill	$	2,565	$	—	$	2,565
	Customer relationships/lists		20,450		-16,332		4,118
	Non-compete agreement		3,339		-3,339		—
		$	26,354	$	-19,671	$	6,683
	December 31, 2013
	Goodwill	$	2,565	$	—	$	2,565
	Customer relationships/lists		20,450		-15,567		4,883
	Non-compete agreement		3,339		-2,881		458
		$	26,354	$	-18,448	$	7,906

Subordinated_Debentures_Tables

Subordinated Debentures (Tables)	12 Months Ended
	Dec. 31, 2014
Income Tax Provision
Summary of TPS Debentures
	($ in thousands)	2014		2013
	Floating Rate Capital Securities at LIBOR plus 4.00%, issued December 4, 2002, maturing on December 4, 2032	$	17,500	$	17,500
	Floating Rate Capital Securities at LIBOR plus 4.10%, issued May 15, 2003, repurchased October 8, 2014		—		7,500
	Floating Rate Capital Securities at LIBOR plus 4.10%, issued December 16, 2003, maturing on January 8, 2034		12,000		12,000
	Floating Rate Capital Securities at LIBOR plus 3.80%, issued May 26, 2004, maturing on May 24, 2034		15,000		15,000
		$	44,500	$	52,000

Income_Tax_Provision_Tables

Income Tax Provision (Tables)	12 Months Ended
	Dec. 31, 2014
Income Tax Provision
Components of income tax expense	The components of income tax expense for the years ended December 31 are as follows ($ in thousands):
	2014
	($ in thousands)	Federal		State			Total
	Federal and state income tax expense (benefit)
	Current	$	10,827	$	687		$	11,514
	Deferred		-21,156		-54			-21,210
	Total income tax expense (benefit)	$	-10,329	$	633		$	-9,696
	2013
	($ in thousands)	Federal		State			Total
	Federal and state income tax expense (benefit)
	Current	$	6,014	$	-1,169		$	4,845
	Deferred		-2,058		—			-2,058
	Total income tax expense (benefit)	$	3,956	$	-1,169		$	2,787
	2012
	($ in thousands)	Federal		State			Total
	Federal and state income tax expense
	Current	$	3,194	$	666		$	3,860
	Deferred		795		—			795
	Total income tax expense	$	3,989	$	666		$	4,655
Schedule of components of net deferred income tax asset
	($ in thousands)	2014		2013
	Deferred income tax assets:
	Allowance for policy cancellations	$	19,425	$	5,789
	Unpaid losses and loss adjustment expenses		172		223
	Deferred ceding fees		8,264		6,426
	Management fee		3,702		4,746
	Compensation		2,034		63
	Intangible assets		273		—
	Unrealized losses on fixed maturities and other investment securities		471		1,009
	Write-down of other-than-temporarily impaired investment securities		254		253
	Other		34		—
	Total deferred income tax assets		34,629		18,509
	Deferred income tax liabilities:
	Unearned premiums		7,136		4,465
	Unrealized gains on equity securities		428		214
	Unrealized gains on fixed maturities and other investment securities		2,183		1,694
	Deferred acquisition costs		363		4,539
	Fixed assets		525		98
	Contingent commissions		—		3,632
	Other		130		139
	Total deferred income tax liabilities		10,765		14,781
	Net deferred income tax asset	$	23,864	$	3,728
Schedule of reconciliation of federal income tax expense computed by applying the federal statutory tax rate to income (loss) before federal income tax expense (benefit)
		2014				2013					2012
				Effective					Effective				Effective
	($ in thousands)	Amount		Tax Rate		Amount			Tax Rate		Amount		Tax Rate
	Expected tax expense (benefit)	$	461	35.0	%	$	8,746		34.3	%	$	7,044	34.3	%
	Exclusion of Subchapter S income		8,465	643.0			-4,478		-17.6			-2,800	-13.6
	Change in tax status		-19,316	-1,467.20			—		—			—	—
	Change in federal statutory rate		-75	-5.7			—		—			—	—
	Accrual/adjustment prior year		174	13.2			-39		-0.2			2	—
	Tax-exempt income		-304	-23.1			-275		-1.1			-247	-1.2
	State income taxes		826	62.8			-1,205		-4.7			620	3.0
	Meals and entertainment		61	4.6			36		0.1			34	0.2
	Other		12	0.8			2		—			2	—
	Total income tax expense (benefit)	$	-9,696	-736.6	%	$	2,787		10.8	%	$	4,655	22.7	%

Reinsurance_Tables

Reinsurance (Tables)	12 Months Ended
	Dec. 31, 2014
Reinsurance
Summary of balances
		December 31,		December 31,
	($ in thousands)	2014		2013
	Ceded unearned premiums	$	456,754	$	365,333
	Ceded loss and loss adjustment expense reserves		1,199,780		1,006,892
	Total reinsurance recoverables		1,656,534		1,372,225
	Secured reinsurance recoverables		-1,209,032		-1,014,947
	Unsecured reinsurance recoverables	$	447,502	$	357,278

Fair_Value_Measurements_Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2014
Fair Value Measurements
Schedule of investments measured at fair value on recurring basis
	December 31, 2014
	($ in thousands)	Level 1		Level 2		Level 3		Total
	Fixed-maturity securities
	Government	$	—	$	14,042	$	—	$	14,042
	Government agency		—		2,373		—		2,373
	State and municipality		—		62,352		—		62,352
	Industrial and miscellaneous		—		110,247		—		110,247
	Residential mortgage-backed		—		97,671		—		97,671
	Commercial mortgage-backed		—		22,795		—		22,795
	Redeemable preferred stock		—		431		—		431
	Total fixed-maturity securities		—		309,911		—		309,911
	Equity securities
	Non-redeemable preferred stock		—		2,213		—		2,213
	Common stock		—		429		—		429
	Total equity securities		—		2,642		—		2,642
		$	—	$	312,553	$	—	$	312,553
	December 31, 2013
	($ in thousands)	Level 1		Level 2		Level 3		Total
	Fixed-maturity securities
	Government	$	—	$	9,855	$	—	$	9,855
	Government agency		—		2,840		—		2,840
	State and municipality		—		41,185		—		41,185
	Industrial and miscellaneous		—		52,658		—		52,658
	Residential mortgage-backed		—		65,334		—		65,334
	Commercial mortgage-backed		—		8,671		—		8,671
	Redeemable preferred stock		—		411		—		411
	Total fixed-maturity securities		—		180,954		—		180,954
	Equity securities
	Non-redeemable preferred stock		—		1,802		—		1,802
	Common stock		—		499		—		499
	Total equity securities		—		2,301		—		2,301
		$	—	$	183,255	$	—	$	183,255

Premiums_Earned_Tables

Premiums Earned (Tables)	12 Months Ended
	Dec. 31, 2014
Income Tax Provision
Schedule of premiums earned
	($ in thousands)	2014			2013			2012
	Premiums written	$	1,032,608		$	806,732		$	633,109
	Premiums assumed		1,517			3,233			1,712
	Premiums ceded		-935,051			-723,192			-555,656
	Net premiums retained		99,074			86,773			79,165
	Change in net unearned premiums		-2,424			-2,395			-1,069
	Total premiums earned	$	96,650		$	84,378		$	78,096
	Premiums assumed as a % of net premiums retained		1.5	%		3.7	%		2.2	%

Losses_and_Loss_Adjustment_Exp1

Losses and Loss Adjustment Expenses (Tables)	12 Months Ended
	Dec. 31, 2014
Income Tax Provision
Schedule of losses and loss adjustment expenses
	($ in thousands)	2014		2013		2012
	Direct losses and loss adjustment expenses	$	714,708	$	561,347	$	729,138
	Assumed losses and loss adjustment expenses		2,469		193		6,521
	Ceded losses and loss adjustment expenses		-676,356		-529,450		-706,670
	Total net losses and loss adjustment expenses	$	40,821	$	32,090	$	28,989
Schedule in the liability for unpaid losses and loss adjustment expenses
	($ in thousands)	2014		2013		2012
	Balance at January 1	$	1,016,641	$	975,708	$	806,125
	Reinsurance recoverables		-1,006,892		-965,965		-797,961
	Net balance at January 1		9,749		9,743		8,164
	Incurred related to:
	Current year		41,314		33,163		28,894
	Prior year		-493		-1,073		95
	Total incurred		40,821		32,090		28,989
	Paid related to:
	Current year		34,251		27,388		23,392
	Prior year		6,194		4,696		4,018
	Total paid		40,445		32,084		27,410
	Net balance at December 31		10,125		9,749		9,743
	Reinsurance recoverables		1,199,780		1,006,892		965,965
	Balance at December 31	$	1,209,905	$	1,016,641	$	975,708

Statutory_Accounting_Tables

Statutory Accounting (Tables)	12 Months Ended
	Dec. 31, 2014
Income Tax Provision
Reconciliation of (SAP) to GAAP
	($ in thousands)	2014		2013
	Per statutory basis	$	215,842	$	155,566
	Adjustments for:
	Allowance for return commissions		28,846		21,275
	Allowance for policy cancellations		-23,672		-16,644
	Commissions payable		14,105		10,597
	Deferred acquisition costs		13,149		13,233
	Deferred income taxes		-7,430		-5,909
	Unrealized gain on investments available-for-sale		5,586		2,445
	Management fees		-16,813		-13,838
	Intangible assets		1,947		1,947
	Nonadmitted assets		13		15
	Other		16		145
	Shareholders’ equity in accordance with GAAP	$	231,589	$	168,832
	($ in thousands)	2014		2013		2012
	Net income (insurance subsidiaries only):
	Per statutory basis	$	6,780	$	5,047	$	7,290
	Adjustments for:
	Allowance for return commissions		7,571		3,987		3,874
	Allowance for policy cancellations		-7,028		-2,551		-927
	Commission expense		3,508		1,874		935
	Deferred acquisition costs		-84		1,952		3,259
	Deferred income taxes		195		2,058		-795
	Management fees		-2,975		-3,947		-5,356
	Other		-129		-38		-30
	Net income in accordance with GAAP	$	7,838	$	8,382	$	8,250

Earnings_Per_Share_Tables

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2014
Earnings Per Share
Schedule of reconciliation of the numerators and denominators of the basic and diluted per share calculations	19. Earnings Per Share
	We have adopted the provisions of ASC 260, “Earnings Per Share,” requiring presentation of both basic and diluted earnings per share. Earnings per share have been adjusted to reflect a 736 for one stock split in the form of a stock dividend on June 23, 2014.  A reconciliation of the numerators and denominators of the basic and diluted per share calculations is presented below:
		Year Ended
		December 31,		December 31,		December 31,
	($ in thousands, except for per share amounts)	2014		2013		2012
	Numerator for both basic and diluted earnings per share:
	Net income	$	11,013	$	22,711	$	15,882
	Denominator for both basic and diluted earnings per share:
	Weighted-average common shares outstanding		39,383,641		34,176,896		34,176,896
	Dilutive effect of outstanding securities (determined using the treasury stock method)		6,214		—		—
	Weighted-average common shares outstanding and potential common shares outstanding		39,389,855		34,176,896		34,176,896

Segment_Information_Tables

Segment Information (Tables)	12 Months Ended
	Dec. 31, 2014									Dec. 31, 2013									Dec. 31, 2012
Segment Information
Schedule of business segment information
	December 31, 2014									December 31, 2013									December 31, 2012
	($ in thousands)	Program		Lender		Corporate		Total		($ in thousands)	Program		Lender		Corporate		Total		($ in thousands)	Program		Lender		Corporate		Total
	Revenues:									Revenues:									Revenues:
	Premiums earned	$	-4	$	96,654	$	—	$	96,650	Premiums earned	$	-501	$	84,879	$	—	$	84,378	Premiums earned	$	1,600	$	76,496	$	—	$	78,096
	Commission income		—		1,533		—		1,533	Commission income		—		2,031		—		2,031	Commission income		—		2,406		—		2,406
	Ceding fees		45,732		—		—		45,732	Ceding fees		32,898		—		—		32,898	Ceding fees		32,379		—		—		32,379
	Net investment income		—		—		4,841		4,841	Net investment income		—		—		4,901		4,901	Net investment income		—		—		5,525		5,525
	Realized net investment gains		—		—		1,311		1,311	Realized net investment gains		—		—		1,764		1,764	Realized net investment gains		—		—		1,309		1,309
	Other income		—		1,266		3,194		4,460	Other income		3		1,101		1,427		2,531	Other income		2		945		1,461		2,408
	Total revenues		45,728		99,453		9,346		154,527	Total revenues		32,400		88,011		8,092		128,503	Total revenues		33,981		79,847		8,295		122,123
	Expenses:									Expenses:									Expenses:
	Losses and loss adjustment expenses		217		40,604		—		40,821	Losses and loss adjustment expenses		465		31,625		—		32,090	Losses and loss adjustment expenses		3,062		25,927		—		28,989
	Commissions		2		3,880		—		3,882	Commissions		389		1,989		—		2,378	Commissions		482		2,440		—		2,922
	Taxes, licenses, and fees		8		2,824		—		2,832	Taxes, licenses, and fees		10		2,584		—		2,594	Taxes, licenses, and fees		31		2,363		—		2,394
	General and administrative		10,855		38,995		9,041		58,891	General and administrative		11,010		36,020		6,388		53,418	General and administrative		9,316		39,193		5,605		54,114
	Founder special compensation		—		—		17,914		17,914	Founder special compensation		—		—		10,202		10,202	Founder special compensation		—		—		10,740		10,740
	Offering-related expenses		—		—		8,833		8,833	Interest expense		—		—		2,323		2,323	Interest expense		—		—		2,427		2,427
	Contract modification expense		—		17,800		—		17,800	Total expenses		11,874		72,218		18,913		103,005	Total expenses		12,891		69,923		18,772		101,586
	Interest expense		—		—		2,237		2,237
	Total expenses		11,082		104,103		38,025		153,210	Income (loss) before income taxes		20,526		15,793		-10,821		25,498	Income (loss) before income taxes		21,090		9,924		-10,477		20,537
										Income tax expense/(benefit)		—		—		2,787		2,787	Income tax expense/(benefit)		—		—		4,655		4,655
	Income (loss) before income taxes		34,646		-4,650		-28,679		1,317	Net income (loss)	$	20,526	$	15,793	$	-13,608	$	22,711	Net income (loss)	$	21,090	$	9,924	$	-15,132	$	15,882
	Income tax expense/(benefit)		—		—		-9,696		-9,696
	Net income (loss)	$	34,646	$	-4,650	$	-18,983	$	11,013	Supplemental Information:									Supplemental Information:
										Gross premiums written	$	691,067	$	118,898	$	—	$	809,965	Gross premiums written	$	530,621	$	104,200	$	—	$	634,821
	Supplemental Information:									Net premiums written	$	-1,018	$	87,791	$	—	$	86,773	Net premiums written	$	1,141	$	78,024	$	—	$	79,165
	Gross premiums written	$	909,501	$	124,624	$	—	$	1,034,125
	Net premiums written	$	-5	$	99,079	$	—	$	99,074
Schedule of the financial assets of the Entity's segments
	December 31, 2014									December 31, 2013
	($ in thousands)	Program		Lender		Corporate		Total		($ in thousands)	Program		Lender		Corporate		Total
	Assets:									Assets:
	Accounts receivable from agents, net	$	18,349	$	179	$	—	$	18,528	Accounts receivable from agents, net	$	17,261	$	45	$	—	$	17,306
	Reinsurance recoverable on paid losses		57		1,143		—		1,200	Reinsurance recoverable on paid losses		5		875		—		880
	Reinsurance recoverables		1,650,205		6,329		—		1,656,534	Reinsurance recoverables		1,362,719		9,506		—		1,372,225
	Deferred income taxes, net		—		—		23,864		23,864	Deferred income taxes, net		—		—		3,728		3,728
	Goodwill and intangible assets, net		2,115		4,568		—		6,683	Goodwill and intangible assets, net		2,115		5,791		—		7,906
	Other assets		7,245		4,051		373,659		384,955	Other assets		7,495		3,441		277,970		288,906
	Total assets	$	1,677,971	$	16,270	$	397,523	$	2,091,764	Total assets	$	1,389,595	$	19,658	$	281,698	$	1,690,951
	Liabilities:									Liabilities:
	Unpaid losses and loss adjustment expenses	$	1,201,279	$	8,626	$	—	$	1,209,905	Unpaid losses and loss adjustment expenses	$	1,009,068	$	7,573	$	—	$	1,016,641
	Unearned premiums		451,993		28,131		—		480,124	Unearned premiums		357,681		28,598		—		386,279
	Allowance for policy cancellations		—		55,500		—		55,500	Allowance for policy cancellations		—		39,623		—		39,623
	Deferred ceding fees		23,612		—		—		23,612	Deferred ceding fees		18,735		—		—		18,735
	Other liabilities		19,990		6,603		55,158		81,751	Other liabilities		19,415		5,386		59,518		84,319
	Total liabilities	$	1,696,874	$	98,860	$	55,158	$	1,850,892	Total liabilities	$	1,404,899	$	81,180	$	59,518	$	1,545,597
Schedule of quarterly financial data
		2014 Quarters Ended
	($ in thousands)	Mar 31		Jun 30		Sep 30		Dec 31
	Total revenues	$	35,527	$	35,403	$	40,571	$	43,026
	Total expenses		37,791		54,481		29,221		31,717
	Income (loss) before income taxes		-2,264		-19,078		11,350		11,309
	Income tax expense (benefit)		1,136		-19,685		4,391		4,462
	Net income (loss)		-3,400		607		6,959		6,847
	Basic earnings per share	$	-0.1	$	0.02	$	0.16	$	0.15
	Diluted earnings per share		-0.1		0.02		0.16		0.15
		2013 Quarters Ended
	($ in thousands)	Mar 31		Jun 30		Sep 30		Dec 31
	Total revenues	$	29,822	$	28,901	$	32,502	$	37,278
	Total expenses		32,823		22,057		24,324		23,801
	Income (loss) before income taxes		-3,001		6,844		8,178		13,477
	Income tax expense (benefit)		906		1,149		1,181		-449
	Net income (loss)		-3,907		5,695		6,997		13,926
	Basic earnings per share	$	-0.11	$	0.17	$	0.20	$	0.41
	Diluted earnings per share		-0.11		0.17		0.20		0.41

Condensed_Quarterly_Financial_1

Condensed Quarterly Financial Data - Unaudited (Tables)	12 Months Ended
	Dec. 31, 2014
Income Tax Provision
Schedule of quarterly financial data
		2014 Quarters Ended
	($ in thousands)	Mar 31		Jun 30		Sep 30		Dec 31
	Total revenues	$	35,527	$	35,403	$	40,571	$	43,026
	Total expenses		37,791		54,481		29,221		31,717
	Income (loss) before income taxes		-2,264		-19,078		11,350		11,309
	Income tax expense (benefit)		1,136		-19,685		4,391		4,462
	Net income (loss)		-3,400		607		6,959		6,847
	Basic earnings per share	$	-0.1	$	0.02	$	0.16	$	0.15
	Diluted earnings per share		-0.1		0.02		0.16		0.15
		2013 Quarters Ended
	($ in thousands)	Mar 31		Jun 30		Sep 30		Dec 31
	Total revenues	$	29,822	$	28,901	$	32,502	$	37,278
	Total expenses		32,823		22,057		24,324		23,801
	Income (loss) before income taxes		-3,001		6,844		8,178		13,477
	Income tax expense (benefit)		906		1,149		1,181		-449
	Net income (loss)		-3,907		5,695		6,997		13,926
	Basic earnings per share	$	-0.11	$	0.17	$	0.20	$	0.41
	Diluted earnings per share		-0.11		0.17		0.20		0.41

Summary_of_Significant_Account2

Summary of Significant Accounting Policies (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Jan. 01, 2014
	segment
Summary of Significant Accounting Policies
Number of major segments	2
Property and equipment
Capitalized threshold amount				$1,000
Revised capitalized threshold amount				5,000
Goodwill and Intangible Assets
Impairments of goodwill	0
Intangible assets impairments	0	0	0
Earnings Per Share
Stock split ratio	0.0014
Income Taxes
Uncertain tax positions	$0	$0
Minimum
Property and equipment
Estimated useful lives	3 years
Maximum
Property and equipment
Estimated useful lives	20 years

Summary_of_Significant_Account3

Summary of Significant Accounting Policies (Details 2)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Pro Forma Financial Information
Effective tax rate (as a percent)	-736.60%	10.80%	22.70%
Pro Forma
Pro Forma Financial Information
Effective tax rate (as a percent)	37.50%	38.10%	37.20%

Investments_Details

Investments (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Investments
Cost or Amortized Cost	$306,438	$180,241
Gross Unrealized Gains	7,451	5,961
Gross Unrealized Losses	-1,336	-2,947
Total investments	312,553	183,255
Fixed-maturity securities
Investments
Cost or Amortized Cost	305,019	178,901
Gross Unrealized Gains	6,228	4,997
Gross Unrealized Losses	-1,336	-2,944
Total investments	309,911	180,954
Government
Investments
Cost or Amortized Cost	13,896	9,785
Gross Unrealized Gains	195	216
Gross Unrealized Losses	-49	-146
Total investments	14,042	9,855
Government agency
Investments
Cost or Amortized Cost	2,325	2,803
Gross Unrealized Gains	57	66
Gross Unrealized Losses	-9	-29
Total investments	2,373	2,840
State and municipality
Investments
Cost or Amortized Cost	61,179	40,823
Gross Unrealized Gains	1,200	919
Gross Unrealized Losses	-27	-557
Total investments	62,352	41,185
Industrial and miscellaneous
Investments
Cost or Amortized Cost	108,125	51,005
Gross Unrealized Gains	2,582	2,113
Gross Unrealized Losses	-460	-460
Total investments	110,247	52,658
Residential mortgage-backed
Investments
Cost or Amortized Cost	96,610	65,622
Gross Unrealized Gains	1,825	1,397
Gross Unrealized Losses	-764	-1,685
Total investments	97,671	65,334
Commercial mortgage-backed
Investments
Cost or Amortized Cost	22,483	8,462
Gross Unrealized Gains	339	276
Gross Unrealized Losses	-27	-67
Total investments	22,795	8,671
Redeemable preferred stock
Investments
Cost or Amortized Cost	401	401
Gross Unrealized Gains	30	10
Total investments	431	411
Equity securities
Investments
Cost or Amortized Cost	1,419	1,340
Gross Unrealized Gains	1,223	964
Gross Unrealized Losses		-3
Total investments	2,642	2,301
Non-redeemable preferred stock
Investments
Cost or Amortized Cost	1,407	1,191
Gross Unrealized Gains	806	614
Gross Unrealized Losses		-3
Total investments	2,213	1,802
Common stock
Investments
Cost or Amortized Cost	12	149
Gross Unrealized Gains	417	350
Total investments	$429	$499

Investments_Details_2

Investments (Details 2) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
	item
Fair Value
Less Than 12 Months		$65,450,000
12 Months or More		10,984,000
Total		76,434,000
Unrealized Losses
Less Than 12 Months		-2,157,000
12 Months or More		-790,000
Total		-2,947,000
Number of securities in unrealized loss position	143
Proceeds from sales of investments in fixed-maturity, equity and short-term securities	14,800,000	16,000,000	31,700,000
Fixed-maturity securities
Fair Value
Less Than 12 Months	57,138,000	65,450,000
12 Months or More	28,539,000	10,816,000
Total	85,677,000	76,266,000
Unrealized Losses
Less Than 12 Months	-538,000	-2,157,000
12 Months or More	-798,000	-787,000
Total	-1,336,000	-2,944,000
Government
Fair Value
Less Than 12 Months	522,000	4,313,000
12 Months or More	3,094,000
Total	3,616,000	4,313,000
Unrealized Losses
Less Than 12 Months	-2,000	-146,000
12 Months or More	-47,000
Total	-49,000	-146,000
Government agency
Fair Value
Less Than 12 Months		686,000
12 Months or More	685,000
Total	685,000	686,000
Unrealized Losses
Less Than 12 Months		-29,000
12 Months or More	-9,000
Total	-9,000	-29,000
State and municipality
Fair Value
Less Than 12 Months	4,164,000	17,046,000
12 Months or More	2,001,000
Total	6,165,000	17,046,000
Unrealized Losses
Less Than 12 Months	-10,000	-557,000
12 Months or More	-17,000
Total	-27,000	-557,000
Industrial and miscellaneous
Fair Value
Less Than 12 Months	34,433,000	12,896,000
12 Months or More	2,637,000	1,424,000
Total	37,070,000	14,320,000
Unrealized Losses
Less Than 12 Months	-418,000	-424,000
12 Months or More	-42,000	-36,000
Total	-460,000	-460,000
Residential mortgage-backed
Fair Value
Less Than 12 Months	15,491,000	28,564,000
12 Months or More	19,428,000	9,392,000
Total	34,919,000	37,956,000
Unrealized Losses
Less Than 12 Months	-94,000	-934,000
12 Months or More	-670,000	-751,000
Total	-764,000	-1,685,000
Commercial mortgage-backed
Fair Value
Less Than 12 Months	2,528,000	1,945,000
12 Months or More	694,000
Total	3,222,000	1,945,000
Unrealized Losses
Less Than 12 Months	-14,000	-67,000
12 Months or More	-13,000
Total	-27,000	-67,000
Equity securities
Fair Value
12 Months or More		168,000
Total		168,000
Unrealized Losses
12 Months or More		-3,000
Total		-3,000
Non-redeemable preferred stock
Fair Value
12 Months or More		168,000
Total		168,000
Unrealized Losses
12 Months or More		-3,000
Total		($3,000)
Investment-grade
Unrealized Losses
Percentage of investments in unrealized loss position	95.00%

Investments_Details_3

Investments (Details 3) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
	item	item
Realized gains:
Fixed-maturity securities	$1,388,000	$1,861,000	$1,588,000
Equity securities	34,000	171,000	38,000
Gross realized gains	1,422,000	2,032,000	1,626,000
Realized losses:
Fixed-maturity securities	-92,000	-149,000	-99,000
Equity securities	-19,000
Other-than-temporary impairment losses on fixed-maturity securities		-119,000	-218,000
Gross realized losses	-111,000	-268,000	-317,000
Net realized investment gains	1,311,000	1,764,000	1,309,000
Number of non-cash exchanges of an investment security	10	10
Non-cash consideration received for exchanges	2,800,000	2,000,000
Gains recognized on exchanges	$320,000	$139,000

Investments_Details_4

Investments (Details 4) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Amortized Cost
Due in one year or less	$12,874,000
Due after one year through five years	73,499,000
Due after five years through ten years	90,534,000
Due after ten years	9,019,000
Total amortized cost for fixed maturity securities	305,019,000	178,901,000
Fair value
Due in one year or less	13,171,000
Due after one year through five years	74,507,000
Due after five years through ten years	92,012,000
Due after ten years	9,755,000
Total fixed maturity securities	309,911,000	180,954,000
Mortgage-backed securities
Fair value
Mortgage-backed securities collateralized by subprime residential loans	1,200,000
Percentage of total investments which are collateralized by subprime residential loans	0.40%
Residential mortgage-backed
Amortized Cost
Residential mortgage-backed securities and Commercial mortgage-backed securities	96,610,000
Fair value
Residential mortgage-backed securities and Commercial mortgage-backed securities	97,671,000
Commercial mortgage-backed
Amortized Cost
Residential mortgage-backed securities and Commercial mortgage-backed securities	22,483,000
Fair value
Residential mortgage-backed securities and Commercial mortgage-backed securities	$22,795,000

Investments_Details_5

Investments (Details 5) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Net investment income
Interest on investments	$5,254,000	$5,202,000	$5,849,000
Dividends	135,000	107,000	85,000
Gross investment income	5,389,000	5,309,000	5,934,000
Investment expenses	-548,000	-408,000	-409,000
Net investment income	4,841,000	4,901,000	5,525,000
Fair value of fixed-maturity securities on deposit	$36,900,000	$28,800,000

Deferred_Acquisition_Costs_Det

Deferred Acquisition Costs (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Deferred acquisition costs
Balance, beginning of year	$1,095	$1,176	$4,111
Capitalized costs	4,907	4,818	5,072
Amortization	-4,966	-4,899	-8,007
Balance, end of year	$1,036	$1,095	$1,176

Property_Equipment_and_Depreci2

Property, Equipment, and Depreciation (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Property, Plant and Equipment, Gross	$31,239,000	$30,961,000
Accumulated depreciation and amortization	-12,842,000	-11,696,000
Property, Plant and Equipment, Net, Total	18,397,000	19,265,000
Depreciation and amortization	1,800,000	1,900,000	2,000,000
Gains from sale of property and equipment	-47,000	30,000	121,000
Land held for use
Property, Plant and Equipment, Gross	3,443,000	3,473,000
Land held for sale
Property, Plant and Equipment, Gross	1,034,000	1,034,000
Building and Building Improvements [Member]
Property, Plant and Equipment, Gross	15,127,000	15,371,000
Transportation Equipment [Member]
Property, Plant and Equipment, Gross	1,578,000	2,399,000
Furniture and Fixtures [Member]
Property, Plant and Equipment, Gross	3,208,000	3,243,000
ComputerEquipmentAndSoftware[Member]
Property, Plant and Equipment, Gross	6,849,000	5,441,000
Property, Plant and Equipment [Member]
Gains from sale of property and equipment	$454,000	$30,000	$121,000

Goodwill_and_Intangible_Assets2

Goodwill and Intangible Assets (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Goodwill and intangible assets
Goodwill	$2,565,000	$2,565,000
Accumulated Amortization Excluding Goodwill	-19,671,000	-18,448,000
Gross carrying amount	26,354,000	26,354,000
Goodwill and intangible assets	6,683,000	7,906,000
Impairments of goodwill	0
Expected Amortization Expense
2015	725,000
2016	697,000
2017	670,000
2018	636,000
2019	253,000
Customer relationships/lists
Goodwill and intangible assets
Gross Carrying Amount Excluding Goodwill	20,450,000	20,450,000
Accumulated Amortization Excluding Goodwill	-16,332,000	-15,567,000
Finite-Lived Intangible Assets, Net, Total	4,118,000	4,883,000
Amortization Expense	765,000	854,000	903,000
Expected useful lives of definite lived intangible assets	15 years
Non-compete agreements
Goodwill and intangible assets
Gross Carrying Amount Excluding Goodwill	3,339,000	3,339,000
Accumulated Amortization Excluding Goodwill	-3,339,000	-2,881,000
Finite-Lived Intangible Assets, Net, Total		458,000
Amortization Expense	458,000	481,000	505,000
Non-compete agreements | Minimum
Goodwill and intangible assets
Expected useful lives of definite lived intangible assets	5 years
Non-compete agreements | Maximum
Goodwill and intangible assets
Expected useful lives of definite lived intangible assets	9 years
Program segment
Goodwill and intangible assets
Goodwill and intangible assets	2,115,000	2,115,000
Lender segment
Goodwill and intangible assets
Goodwill	450,000	450,000
Finite-Lived Intangible Assets, Net, Total	4,100,000	4,900,000
Goodwill and intangible assets	$4,568,000	$5,791,000

Subordinated_Debentures_Detail

Subordinated Debentures (Details) (USD $)	0 Months Ended		12 Months Ended
	Oct. 08, 2014	Dec. 31, 2004	Dec. 31, 2014	Dec. 31, 2013
		item	item
Debt Instrument [Line Items]
Number of business trusts		4
Subordinated debentures			$44,500,000	$52,000,000
Gain (Loss) on Repurchase of Debt Instrument	610,000		610,000
Number of years after which early redemption is allowed			5 years
Multiples in which the debt can be redeemed (including accrued interest)			1,000
Variable rate (As a percent)			0.26%
Number of consecutive quarters for which payment of interest is deferred			20
Debt issuance costs amortization period			30 years
Affiliated Entity [Member]
Debt Instrument [Line Items]
Proceeds from Issuance of Trust Preferred Securities		52,000,000
Other Assets [Member]
Debt Instrument [Line Items]
Debt issuance costs			1,300,000	1,500,000
Accumulated amortization of debt issuance costs			486,000	523,000
Subordinated debentures
Debt Instrument [Line Items]
Proceeds from Issuance of Subordinated Long-term Debt		53,600,000
Carrying value	7,500,000
Debt Instrument, Repurchase Amount	6,750,000
Accrued interest	49,000
Floating Rate Capital Securities 2032 Member
Debt Instrument [Line Items]
Subordinated debentures			17,500,000	17,500,000
Floating Rate Capital Securities 2014 Member
Debt Instrument [Line Items]
Subordinated debentures				7,500,000
Floating Rate Capital Securities January 2034 Member
Debt Instrument [Line Items]
Subordinated debentures			12,000,000	12,000,000
Floating Rate Capital Securities May 2034 Member
Debt Instrument [Line Items]
Subordinated debentures			$15,000,000	$15,000,000
London Interbank Offered Rate (LIBOR) [Member]
Debt Instrument [Line Items]
Variable rate basis			LIBOR
Basis spread on variable rate (as a percent)			4.10%
London Interbank Offered Rate (LIBOR) [Member] | Floating Rate Capital Securities 2032 Member
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)			4.00%
London Interbank Offered Rate (LIBOR) [Member] | Floating Rate Capital Securities 2014 Member
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)			4.10%
London Interbank Offered Rate (LIBOR) [Member] | Floating Rate Capital Securities January 2034 Member
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)			4.10%
London Interbank Offered Rate (LIBOR) [Member] | Floating Rate Capital Securities May 2034 Member
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)			3.80%
Three-month LIBOR
Debt Instrument [Line Items]
Variable rate basis			three-month LIBOR

Income_Tax_Provision_Details

Income Tax Provision (Details) (USD $)	3 Months Ended								12 Months Ended			0 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Jan. 01, 2014
Federal And State Income Tax Expense Benefit Abstract
Federal current									$10,827	$6,014	$3,194
State current									687	-1,169	666
Current tax expense									11,514	4,845	3,860
Federal deferred									-21,156	-2,058	795
State deferred									-54
Deferred tax expense (benefit)									-21,210	-2,058	795
Federal income tax expense (benefit)									-10,329	3,956	3,989
State income tax expense (benefit)									633	-1,169	666
Total income tax expense (benefit)	4,462	4,391	-19,685	1,136	-449	1,181	1,149	906	-9,696	2,787	4,655
Deferred Tax Assets, Gross [Abstract]
Allowance for policy cancellations	19,425				5,789				19,425	5,789
Unpaid losses and loss adjustment expenses	172				223				172	223
Deferred ceding fees	8,264				6,426				8,264	6,426
Management fee	3,702				4,746				3,702	4,746
Compensation	2,034				63				2,034	63
Intangible assets	273								273
Unrealized losses on fixed maturities and other investment securities	471				1,009				471	1,009
Write-down of other-than-temporarily impaired investment securities	254				253				254	253
Other	34								34
Total deferred income tax assets	34,629				18,509				34,629	18,509
Deferred Tax Liabilities, Net [Abstract]
Unearned premiums	7,136				4,465				7,136	4,465
Unrealized gains on equity securities	428				214				428	214
Unrealized gains on fixed maturities and other investment securities	2,183				1,694				2,183	1,694
Deferred acquisition costs	363				4,539				363	4,539
Fixed assets	525				98				525	98
Contingent commissions					3,632					3,632
Other	130				139				130	139
Total deferred income tax liabilities	10,765				14,781				10,765	14,781
Net deferred income tax asset (liability)	23,864				3,728				23,864	3,728
Valuation allowance	0				0				0	0
Amount
Expected tax expense (benefit)									461	8,746	7,044
Exclusion of Subchapter S income									8,465	-4,478	-2,800
Change in tax status									-19,316
Change in federal statutory rate									-75
Accrual/adjustment prior year									174	-39	2
Tax-exempt income									-304	-275	-247
State income taxes									826	-1,205	620
Meals and entertainment									61	36	34
Other									12	2	2
Income taxes	4,462	4,391	-19,685	1,136	-449	1,181	1,149	906	-9,696	2,787	4,655
Effective Tax Rate
Expected tax expense (benefit) (as a percent)									35.00%	34.30%	34.30%
Exclusion of Subchapter S income (as a percent)									643.00%	-17.60%	-13.60%
Change in tax status (as a percent)									-1467.20%
Change in federal statutory rate (as a percent)									-5.70%
Accrual/adjustment prior year									13.20%	-0.20%
Tax-exempt income (as a percent)									-23.10%	-1.10%	-1.20%
State income taxes (as a percent)									62.80%	-4.70%	3.00%
Meals and entertainment									4.60%	0.10%	0.20%
Other (as a percent)									0.80%
Total income tax expense (benefit) (as a percent)									-736.60%	10.80%	22.70%
Income Tax Examination, Penalties and Interest Accrued [Abstract]
Income tax penalties and interest	0				0				0	0	0
Carryforwards
Operating loss carryforwards	0								0
Capital loss carryforwards									0
Minimum
Effective Tax Rate
Expected tax expense (benefit) (as a percent)												34.30%
Maximum
Effective Tax Rate
Expected tax expense (benefit) (as a percent)												35.00%
Parent Company [Member]
Federal And State Income Tax Expense Benefit Abstract
Current tax expense									-528
Deferred tax expense (benefit)									-552
Deferred Tax Liabilities, Net [Abstract]
Net deferred income tax asset (liability)	$552								$552

Reinsurance_Details

Reinsurance (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Reinsurance
Ceded unearned premiums	$456,754	$365,333
Ceded loss and loss adjustment expense reserves	1,199,780	1,006,892
Total reinsurance recoverables	1,656,534	1,372,225
Secured reinsurance recoverables	-1,209,032	-1,014,947
Unsecured reinsurance recoverables	$447,502	$357,278

Fair_Value_Measurements_Detail

Fair Value Measurements (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Fair Value Measurements
Fixed-maturity securities	$309,911	$180,954
Equity securities	2,642	2,301
Level 3 activity	0	0
Transfers between Level 1, Level 2, and Level 3	0	0
Recurring basis | Level 2
Fair Value Measurements
Total	312,553	183,255
Recurring basis | Level 2 | Fixed-maturity securities
Fair Value Measurements
Fixed-maturity securities	309,911	180,954
Recurring basis | Level 2 | Government
Fair Value Measurements
Fixed-maturity securities	14,042	9,855
Recurring basis | Level 2 | Government agency
Fair Value Measurements
Fixed-maturity securities	2,373	2,840
Recurring basis | Level 2 | State and municipality
Fair Value Measurements
Fixed-maturity securities	62,352	41,185
Recurring basis | Level 2 | Industrial and miscellaneous
Fair Value Measurements
Fixed-maturity securities	110,247	52,658
Recurring basis | Level 2 | Residential mortgage-backed
Fair Value Measurements
Fixed-maturity securities	97,671	65,334
Recurring basis | Level 2 | Commercial mortgage-backed
Fair Value Measurements
Fixed-maturity securities	22,795	8,671
Recurring basis | Level 2 | Redeemable preferred stock
Fair Value Measurements
Fixed-maturity securities	431	411
Recurring basis | Level 2 | Equity securities
Fair Value Measurements
Equity securities	2,642	2,301
Recurring basis | Level 2 | Non-redeemable preferred stock
Fair Value Measurements
Equity securities	2,213	1,802
Recurring basis | Level 2 | Common stock
Fair Value Measurements
Equity securities	429	499
Recurring basis | Total
Fair Value Measurements
Total	312,553	183,255
Recurring basis | Total | Fixed-maturity securities
Fair Value Measurements
Fixed-maturity securities	309,911	180,954
Recurring basis | Total | Government
Fair Value Measurements
Fixed-maturity securities	14,042	9,855
Recurring basis | Total | Government agency
Fair Value Measurements
Fixed-maturity securities	2,373	2,840
Recurring basis | Total | State and municipality
Fair Value Measurements
Fixed-maturity securities	62,352	41,185
Recurring basis | Total | Industrial and miscellaneous
Fair Value Measurements
Fixed-maturity securities	110,247	52,658
Recurring basis | Total | Residential mortgage-backed
Fair Value Measurements
Fixed-maturity securities	97,671	65,334
Recurring basis | Total | Commercial mortgage-backed
Fair Value Measurements
Fixed-maturity securities	22,795	8,671
Recurring basis | Total | Redeemable preferred stock
Fair Value Measurements
Fixed-maturity securities	431	411
Recurring basis | Total | Equity securities
Fair Value Measurements
Equity securities	2,642	2,301
Recurring basis | Total | Non-redeemable preferred stock
Fair Value Measurements
Equity securities	2,213	1,802
Recurring basis | Total | Common stock
Fair Value Measurements
Equity securities	$429	$499

Premiums_Earned_Details

Premiums Earned (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Premiums Earned, Net [Abstract]
Premiums written	$1,032,608	$806,732	$633,109
Premiums assumed	1,517	3,233	1,712
Premiums ceded	-935,051	-723,192	-555,656
Net premiums retained	99,074	86,773	79,165
Change in net unearned premiums	-2,424	-2,395	-1,069
Total premiums earned	$96,650	$84,378	$78,096
Premiums assumed as a % of net premiums retained	1.50%	3.70%	2.20%

Losses_and_Loss_Adjustment_Exp2

Losses and Loss Adjustment Expenses (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Policyholder Benefits and Claims Incurred, Net [Abstract]
Direct losses and loss adjustment expenses	$714,708	$561,347	$729,138
Assumed losses and loss adjustment expenses	2,469	193	6,521
Ceded losses and loss adjustment expenses	-676,356	-529,450	-706,670
Total net losses and loss adjustment expenses	40,821	32,090	28,989
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims [Abstract]
Current year	41,314	33,163	28,894
Prior year	-493	-1,073	95
Total incurred	40,821	32,090	28,989
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid [Abstract]
Balance at January 1	1,016,641	975,708	806,125
Reinsurance recoverables	-1,006,892	-965,965	-797,961
Net balance at January 1	9,749	9,743	8,164
Current year	34,251	27,388	23,392
Prior year	6,194	4,696	4,018
Total paid	40,445	32,084	27,410
Net balance at December 31	10,125	9,749	9,743
Reinsurance recoverable	1,199,780	1,006,892	965,965
Balance at December 31	1,209,905	1,016,641	975,708
Estimate of ultimate losses incurred	-493	-1,073	95
Program segment
Policyholder Benefits and Claims Incurred, Net [Abstract]
Total net losses and loss adjustment expenses	217	465	3,062
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid [Abstract]
Balance at January 1	1,009,068
Balance at December 31	1,201,279	1,009,068
Favorable and unfavorable development		-400	-2,100
Lender segment
Policyholder Benefits and Claims Incurred, Net [Abstract]
Total net losses and loss adjustment expenses	40,604	31,625	25,927
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid [Abstract]
Balance at January 1	7,573
Balance at December 31	8,626	7,573
Favorable and unfavorable development	$706	$1,500	$2,000

Statutory_Accounting_Details

Statutory Accounting (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Reconciliations of stockholder's equity
Shareholdersb equity in accordance with GAAP	$240,872,000				$145,354,000				$240,872,000	$145,354,000	$142,223,000
Reconciliations of net income
Net income	6,847,000	6,959,000	607,000	-3,400,000	13,926,000	6,997,000	5,695,000	-3,907,000	11,013,000	22,711,000	15,882,000
Maximum percentage of statutory surplus	10.00%								10.00%
Unrestricted net assets available for dividends	21,600,000								21,600,000
Subsidiaries [Member]
Reconciliations of stockholder's equity
Per statutory basis	215,842,000				155,566,000				215,842,000	155,566,000
Allowance for return commissions	28,846,000				21,275,000				28,846,000	21,275,000
Allowance for policy cancellations	-23,672,000				-16,644,000				-23,672,000	-16,644,000
Commissions payable	14,105,000				10,597,000				14,105,000	10,597,000
Deferred acquisition costs	13,149,000				13,233,000				13,149,000	13,233,000
Deferred income taxes	-7,430,000				-5,909,000				-7,430,000	-5,909,000
Unrealized gain on investments available-for-sale	5,586,000				2,445,000				5,586,000	2,445,000
Management fees	-16,813,000				-13,838,000				-16,813,000	-13,838,000
Intangible assets	1,947,000				1,947,000				1,947,000	1,947,000
Nonadmitted assets	13,000				15,000				13,000	15,000
Other	16,000				145,000				16,000	145,000
Shareholdersb equity in accordance with GAAP	231,589,000				168,832,000				231,589,000	168,832,000
Reconciliations of net income
Net income - Per Statutory basis									6,780,000	5,047,000	7,290,000
Allowance for return commissions									7,571,000	3,987,000	3,874,000
Allowance for policy cancellations									-7,028,000	-2,551,000	-927,000
Commission expense									3,508,000	1,874,000	935,000
Deferred acquisition costs									-84,000	1,952,000	3,259,000
Deferred income taxes									195,000	2,058,000	-795,000
Management fees									-2,975,000	-3,947,000	-5,356,000
Other									-129,000	-38,000	-30,000
Net income									7,838,000	8,382,000	8,250,000
Amount of statutory capital and surplus	215,842,000				155,566,000				215,842,000	155,566,000
SNIC (Member)
Reconciliations of net income
Minimum statutory capital and surplus	5,000,000				5,000,000				5,000,000	5,000,000
NSIC (Member)
Reconciliations of net income
Minimum statutory capital and surplus	5,000,000				5,000,000				5,000,000	5,000,000
USIC (Member)
Reconciliations of net income
Minimum statutory capital and surplus	$750,000				$750,000				$750,000	$750,000

RelatedParty_Transaction_Detai

Related-Party Transaction (Details) (USD $)	0 Months Ended	12 Months Ended
	Jun. 25, 2014	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Related Party Transaction
Other payables, affiliate			$100,000
Founder Special Compensation		17,914,000	10,202,000	10,740,000
Trace Air Inc
Related Party Transaction
Other payables, affiliate			100,000
Aircraft lease payment (per hour)	1,800
Minimum monthly lease rate	36,000
Operating and maintenance cost		359,000	692,000	687,000
Trace and Luke Ledbetter [Member] | Private placement
Related Party Transaction
Founder Special Compensation		$513,000

401k_ProfitSharing_Plan_and_Tr1

401(k) Profit-Sharing Plan and Trust (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
401(k) Profit-Sharing Plan and Trust
Minimum age of officers and employees covered under plan	18 years
Contribution required to made by employer which match with employees contribution (as a percent)	50.00%
Eligible employees compensation (as a percent)	6.00%
Employer contribution expense	$1,100	$1,000	$937

Stockbased_Payments_Details

Stock-based Payments (Details) (USD $)	12 Months Ended	0 Months Ended	12 Months Ended		0 Months Ended
	Dec. 31, 2014	Jul. 09, 2014	Dec. 31, 2013	Dec. 31, 2012	Jun. 25, 2014	29-May-14
Stock-based Payments
Share-based Compensation	$2,012,000
Long-Term Incentive Plan 2014
Stock-based Payments
Granted (in shares)		38,500
Weighted average exercise price of non-vested options	$10
Share-based Compensation	2,000,000		0	0
Tax benefits recognized from stock options and stock grants	688,000		0	0
Total unrecognized compensation	7,500,000
Weighted average period	2 years
Long-Term Incentive Plan 2014 | Employee and non-employee director
Stock-based Payments
Shares issued						4,400,000
Parent Company [Member]
Stock-based Payments
Share-based Compensation	$2,012,000
Non-qualified stock options | Long-Term Incentive Plan 2014 | Executive officers and certain employees
Stock-based Payments
Granted (in shares)					2,783,873
Vesting period					3 years
Average assumptions used to value stock-based payments
Volatility (as a percent)					32.96%
Expiration term					10 years
Expected term					5 years 6 months
Risk-free interest rate (as a percent)					1.85%
Dividend yield (as a percent)					0.40%
Forfeitures expected (in shares)					0
Restricted stock | Long-Term Incentive Plan 2014
Stock-based Payments
Granted (in shares)					12,000
Vesting period					1 year

Concentration_of_Risk_Details

Concentration of Risk (Details)	12 Months Ended
	Dec. 31, 2014
	item
Customer
Concentration of Risk
Number of customers	2
Concentration of risk (as a percent)	5.00%
Reinsurer
Concentration of Risk
Number of reinsurers	3
Concentration of risk (as a percent)	56.00%

Leases_Details

Leases (Details) (USD $)	12 Months Ended
In Millions, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Leases
Rental income	$2.10	$1.40	$1.30
Lease termination fees	$1.50

Commitments_and_Contingencies_

Commitments and Contingencies (Details) (Alliance, CUNA, USD $)	0 Months Ended				12 Months Ended
In Millions, unless otherwise specified	Jul. 08, 2014	Jul. 01, 2014	Jun. 30, 2014	Jul. 24, 2009	Dec. 31, 2014	Jun. 30, 2014
	item
Alliance | CUNA
Commitments and Contingencies
Ceded percentage				50.00%
Quota share percentage		30.00%	50.00%
Automatic renewal term					3 years
Accrued expenses			$17.80			$17.80
Number of payments made to the counterparty	2
Amount of first payment made which is not subject to any future adjustments	14.8
Amount of second payment made which is subject to potential future adjustments based upon the net premium and loss ratio	$3

Earnings_Per_Share_Details

Earnings Per Share (Details) (USD $)	3 Months Ended								12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Earnings Per Share
Stock split ratio									0.0014
Numerator for both basic and diluted earnings per share:
Net income	$6,847	$6,959	$607	($3,400)	$13,926	$6,997	$5,695	($3,907)	$11,013	$22,711	$15,882
Denominator for both basic and diluted earnings per share:
Weighted-average common shares outstanding (in shares)									39,383,641	34,176,896	34,176,896
Dilutive effect of outstanding securities (determined using the treasury stock method) (in shares)									6,214
Weighted-average common shares outstanding and potential common shares outstanding (in shares)									39,389,855	34,176,896	34,176,896

Common_Stock_Details

Common Stock (Details) (USD $)	0 Months Ended	1 Months Ended
In Millions, except Share data, unless otherwise specified	Jun. 25, 2014	Oct. 22, 2014
Common Stock
Amount contributed to the capital of entities insurance subsidiaries	$50
Alliance | CUNA
Common Stock
Pre-tax payments	17.8
Common stock
Common Stock
Value of common stock shares purchased from certain shareholders pursuant to stock redemption agreement	190.6
Number of common stock shares purchased from certain shareholders pursuant to stock redemption agreement	21,030,294
Common stock | Maximum
Common Stock
Aggregate number of common stock shares offered under registration statement for resale		30,728,500
Common stock | Private placement
Common Stock
Aggregate number of common stock shares sold	31,050,000
Net proceeds received	$280.60

Segment_Information_Details

Segment Information (Details) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
									item
Business segment information
Number of Operating Segments									2
Number of business segments									3
Revenues:
Premiums earned									96,650	$84,378	$78,096
Commission income									1,533	2,031	2,406
Ceding fees									45,732	32,898	32,379
Net investment income									4,841	4,901	5,525
Realized net investment gains									1,311	1,764	1,309
Other income									4,460	2,531	2,408
Total revenues	43,026	40,571	35,403	35,527	37,278	32,502	28,901	29,822	154,527	128,503	122,123
Expenses:
Losses and loss adjustment expenses									40,821	32,090	28,989
Commissions									3,882	2,378	2,922
Taxes, licenses, and fees									2,832	2,594	2,394
General and administrative									58,891	53,418	54,114
Founder special compensation									17,914	10,202	10,740
Offering-related expenses									8,833
Contract modification expense									17,800
Interest Expense, Long-term Debt									2,237	2,323	2,427
Total expenses	31,717	29,221	54,481	37,791	23,801	24,324	22,057	32,823	153,210	103,005	101,586
Income (loss) before income taxes	11,309	11,350	-19,078	-2,264	13,477	8,178	6,844	-3,001	1,317	25,498	20,537
Income taxes	4,462	4,391	-19,685	1,136	-449	1,181	1,149	906	-9,696	2,787	4,655
Net income	6,847	6,959	607	-3,400	13,926	6,997	5,695	-3,907	11,013	22,711	15,882
Supplemental Information for Property, Casualty Insurance Underwriters [Abstract]
Premiums Written, Gross									1,034,125	809,965	634,821
Premiums Written, Net									99,074	86,773	79,165
Program segment
Business segment information
Depreciation, Depletion and Amortization									397	286	292
Revenues:
Premiums earned									-4	-501	1,600
Ceding fees									45,732	32,898	32,379
Other income										3	2
Total revenues									45,728	32,400	33,981
Expenses:
Losses and loss adjustment expenses									217	465	3,062
Commissions									2	389	482
Taxes, licenses, and fees									8	10	31
General and administrative									10,855	11,010	9,316
Total expenses									11,082	11,874	12,891
Income (loss) before income taxes									34,646	20,526	21,090
Net income									34,646	20,526	21,090
Supplemental Information for Property, Casualty Insurance Underwriters [Abstract]
Premiums Written, Gross									909,501	691,067	530,621
Premiums Written, Net									-5	-1,018	1,141
Lender segment
Business segment information
Depreciation, Depletion and Amortization									1,400	1,300	1,400
Revenues:
Premiums earned									96,654	84,879	76,496
Commission income									1,533	2,031	2,406
Other income									1,266	1,101	945
Total revenues									99,453	88,011	79,847
Expenses:
Losses and loss adjustment expenses									40,604	31,625	25,927
Commissions									3,880	1,989	2,440
Taxes, licenses, and fees									2,824	2,584	2,363
General and administrative									38,995	36,020	39,193
Contract modification expense									17,800
Total expenses									104,103	72,218	69,923
Income (loss) before income taxes									-4,650	15,793	9,924
Net income									-4,650	15,793	9,924
Supplemental Information for Property, Casualty Insurance Underwriters [Abstract]
Premiums Written, Gross									124,624	118,898	104,200
Premiums Written, Net									99,079	87,791	78,024
Corporate
Revenues:
Net investment income									4,841	4,901	5,525
Realized net investment gains									1,311	1,764	1,309
Other income									3,194	1,427	1,461
Total revenues									9,346	8,092	8,295
Expenses:
General and administrative									9,041	6,388	5,605
Founder special compensation									17,914	10,202	10,740
Offering-related expenses									8,833
Interest Expense, Long-term Debt									2,237	2,323	2,427
Total expenses									38,025	18,913	18,772
Income (loss) before income taxes									-28,679	-10,821	-10,477
Income taxes									-9,696	2,787	4,655
Net income									-18,983	-13,608	-15,132
Parent Company [Member]
Revenues:
Total revenues									13,019	22,711	15,883
Expenses:
General and administrative									3,086		1
Total expenses									3,086		1
Income (loss) before income taxes									9,933	22,711	15,882
Net income									11,013	$22,711	$15,882

Segment_Information_Details_2

Segment Information (Details 2) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Assets
Accounts receivable from agents, net	$18,528	$17,306
Reinsurance recoverable on paid losses	1,200	880
Reinsurance recoverables	1,656,534	1,372,225
Deferred income taxes, net	23,864	3,728
Goodwill and intangible assets, net	6,683	7,906
Other assets	384,955	288,906
Total assets	2,091,764	1,690,951
Liabilities
Unpaid losses and loss adjustment expenses	1,209,905	1,016,641	975,708	806,125
Unearned premiums	480,124	386,279
Allowance for policy cancellations	55,500	39,623	32,775	27,511
Deferred ceding fees	23,612	18,735
Other liabilities	81,751	84,319
Total liabilities	1,850,892	1,545,597
Shareholders' equity
Common stock, $.001 par value (150,000,000 shares authorized; 44,247,102 and 40,627,200 shares issued at December 31, 2014 and December 31, 2013, respectively)	44	41
Additional paid-in capital	220,577	24,367
Retained earnings	16,108	128,830
Treasury stock (zero and 6,450,304 shares at cost at December 31, 2014 and December 31, 2013, respectively)		-10,000
Accumulated other comprehensive income	4,143	2,116
Total shareholders' equity	240,872	145,354	142,223
Total liabilities and shareholders' equity	2,091,764	1,690,951
Program segment
Assets
Accounts receivable from agents, net	18,349	17,261
Reinsurance recoverable on paid losses	57	5
Reinsurance recoverables	1,650,205	1,362,719
Goodwill and intangible assets, net	2,115	2,115
Other assets	7,245	7,495
Total assets	1,677,971	1,389,595
Liabilities
Unpaid losses and loss adjustment expenses	1,201,279	1,009,068
Unearned premiums	451,993	357,681
Deferred ceding fees	23,612	18,735
Other liabilities	19,990	19,415
Total liabilities	1,696,874	1,404,899
Lender segment
Assets
Accounts receivable from agents, net	179	45
Reinsurance recoverable on paid losses	1,143	875
Reinsurance recoverables	6,329	9,506
Goodwill and intangible assets, net	4,568	5,791
Other assets	4,051	3,441
Total assets	16,270	19,658
Liabilities
Unpaid losses and loss adjustment expenses	8,626	7,573
Unearned premiums	28,131	28,598
Allowance for policy cancellations	55,500	39,623
Other liabilities	6,603	5,386
Total liabilities	98,860	81,180
Corporate
Assets
Deferred income taxes, net	23,864	3,728
Other assets	373,659	277,970
Total assets	397,523	281,698
Liabilities
Other liabilities	55,158	59,518
Total liabilities	55,158	59,518
Parent Company [Member]
Assets
Deferred income taxes, net	552
Total assets	242,550	155,360
Liabilities
Total liabilities	1,678	10,006
Shareholders' equity
Common stock, $.001 par value (150,000,000 shares authorized; 44,247,102 and 40,627,200 shares issued at December 31, 2014 and December 31, 2013, respectively)	44	41
Additional paid-in capital	220,577	24,367
Retained earnings	16,108	128,830
Treasury stock (zero and 6,450,304 shares at cost at December 31, 2014 and December 31, 2013, respectively)		-10,000
Accumulated other comprehensive income	4,143	2,116
Total shareholders' equity	240,872	145,354
Total liabilities and shareholders' equity	$242,550	$155,360

Condensed_Quarterly_Financial_2

Condensed Quarterly Financial Data - Unaudited (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Total revenues	$43,026,000	$40,571,000	$35,403,000	$35,527,000	$37,278,000	$32,502,000	$28,901,000	$29,822,000	$154,527,000	$128,503,000	$122,123,000
Total expenses	31,717,000	29,221,000	54,481,000	37,791,000	23,801,000	24,324,000	22,057,000	32,823,000	153,210,000	103,005,000	101,586,000
Income (loss) before income taxes	11,309,000	11,350,000	-19,078,000	-2,264,000	13,477,000	8,178,000	6,844,000	-3,001,000	1,317,000	25,498,000	20,537,000
Income tax expense (benefit)	4,462,000	4,391,000	-19,685,000	1,136,000	-449,000	1,181,000	1,149,000	906,000	-9,696,000	2,787,000	4,655,000
Net income	6,847,000	6,959,000	607,000	-3,400,000	13,926,000	6,997,000	5,695,000	-3,907,000	11,013,000	22,711,000	15,882,000
Basic earnings per share (in dollars per share)	$0.15	$0.16	$0.02	($0.10)	$0.41	$0.20	$0.17	($0.11)	$0.28	$0.66	$0.46
Diluted earnings per share (in dollars per share)	$0.15	$0.16	$0.02	($0.10)	$0.41	$0.20	$0.17	($0.11)	$0.28	$0.66	$0.46
Offering expenses	603,000	1,100,000	7,100,000
Founder special compensation expenses			6,700,000	11,200,000			202,000	10,000,000
Contract modification expenses			17,800,000
Parent Company [Member]
Total revenues									13,019,000	22,711,000	15,883,000
Total expenses									3,086,000		1,000
Income (loss) before income taxes									9,933,000	22,711,000	15,882,000
Net income									$11,013,000	$22,711,000	$15,882,000

Subsequent_Events_Details

Subsequent Events (Details) (Subsequent event)	12 Months Ended
	Dec. 31, 2014
	item
Subsequent event
Subsequent Events
Number of items that required adjustment or disclosure	0

Consolidated_Balance_Sheets_Pa1

Consolidated Balance Sheets (Parent company only) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Assets
Cash and cash equivalents	$38,348	$69,431	$35,079	$33,659
Income taxes receivable		1,451
Deferred income taxes, net	23,864	3,728
Other assets	6,229	6,276
Total assets	2,091,764	1,690,951
Liabilities
Other payables, affiliate		100
Total liabilities	1,850,892	1,545,597
Shareholders' equity
Common stock, $.001 par value (150,000,000 shares authorized; 44,247,102 and 40,627,200 shares issued at December 31, 2014 and December 31, 2013, respectively)	44	41
Additional paid-in capital	220,577	24,367
Retained earnings	16,108	128,830
Treasury stock (zero and 6,450,304 shares at cost at December 31, 2014 and December 31, 2013, respectively)		-10,000
Accumulated other comprehensive income	4,143	2,116
Total shareholders' equity	240,872	145,354	142,223
Total liabilities and shareholders' equity	2,091,764	1,690,951
Parent Company [Member]
Assets
Cash and cash equivalents	57
Investment in subsidiaries	241,167	155,360
Income taxes receivable	57
Deferred income taxes, net	552
Other assets	717
Total assets	242,550	155,360
Liabilities
Other payables, affiliate	1,678	10,006
Total liabilities	1,678	10,006
Shareholders' equity
Common stock, $.001 par value (150,000,000 shares authorized; 44,247,102 and 40,627,200 shares issued at December 31, 2014 and December 31, 2013, respectively)	44	41
Additional paid-in capital	220,577	24,367
Retained earnings	16,108	128,830
Treasury stock (zero and 6,450,304 shares at cost at December 31, 2014 and December 31, 2013, respectively)		-10,000
Accumulated other comprehensive income	4,143	2,116
Total shareholders' equity	240,872	145,354
Total liabilities and shareholders' equity	$242,550	$155,360

Consolidated_Balance_Sheets_Pa2

Consolidated Balance Sheets - Parenthetical (Parent company only) (Details 2) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Common stock, par value (in dollars per share)	$0.00
Common stock, shares authorized	150,000,000
Common stock, shares issued	44,247,102	40,627,200
Preferred stock, par value (in dollars per share)	$0.00
Preferred stock, shares authorized	10,000,000	0
Preferred stock, shares issued	0
Preferred stock, shares outstanding	0
Treasury stock, shares	0	6,450,304
Parent Company [Member]
Common stock, par value (in dollars per share)	$0.00	0.001
Common stock, shares authorized	150,000,000	150,000,000
Common stock, shares issued	44,247,102	40,627,200
Preferred stock, par value (in dollars per share)	$0.00	0.001
Preferred stock, shares authorized	10,000,000	0
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Treasury stock, shares		6,450,304

Consolidated_Statements_of_Inc1

Consolidated Statements of Income (Parent company only) (Details 3) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Revenues:
Total revenues	$43,026	$40,571	$35,403	$35,527	$37,278	$32,502	$28,901	$29,822	$154,527	$128,503	$122,123
Expenses:
General and administrative									58,891	53,418	54,114
Total expenses	31,717	29,221	54,481	37,791	23,801	24,324	22,057	32,823	153,210	103,005	101,586
Income (loss) before income taxes	11,309	11,350	-19,078	-2,264	13,477	8,178	6,844	-3,001	1,317	25,498	20,537
Income taxes:
Current tax expense									11,514	4,845	3,860
Deferred tax expense (benefit)									-21,210	-2,058	795
Net income	6,847	6,959	607	-3,400	13,926	6,997	5,695	-3,907	11,013	22,711	15,882
Parent Company [Member]
Revenues:
Equity in earnings of subsidiaries									13,019	22,711	15,883
Total revenues									13,019	22,711	15,883
Expenses:
General and administrative									3,086		1
Total expenses									3,086		1
Income (loss) before income taxes									9,933	22,711	15,882
Income taxes:
Current tax expense									-528
Deferred tax expense (benefit)									-552
Net income									$11,013	$22,711	$15,882

Consolidated_Statements_of_Cas1

Consolidated Statements of Cash Flows (Parent company only) (Details 4) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Operating activities
Net income	$11,013	$22,711	$15,882
Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]
Deferred income taxes	-21,210	-2,058	795
Share-based compensation	2,012
Change in
Income taxes receivable	3,213	-1,740	357
Other assets	47	-859	217
Increase (Decrease) in Due to Affiliates	-100	-37	-97
Net Cash Provided by (Used in) Operating Activities, Continuing Operations, Total	23,176	33,856	27,060
Investing activities
Net cash provided by (used in) investing activities	-127,975	15,791	-11,464
Financing activities
Dividends paid	-16,683	-15,295	-14,176
Proceeds from issuances of common stock	289,322
Costs directly attributable to issuance of common stock	-1,578
Redemption of existing common stock	-190,595
Net cash provided by (used in) financing activities	73,716	-15,295	-14,176
Net change in cash and cash equivalents	-31,083	34,352	1,420
Cash and cash equivalents at beginning of period	69,431	35,079	33,659
Cash and cash equivalents at end of period	38,348	69,431	35,079
Parent Company [Member]
Operating activities
Net income	11,013	22,711	15,882
Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]
Equity in earnings of subsidiaries	-13,019	-22,711	-15,883
Deferred income taxes	-552
Share-based compensation	2,012
Change in
Income taxes receivable	-57
Other assets	-717
Increase (Decrease) in Due to Affiliates	-8,328		1
Net Cash Provided by (Used in) Operating Activities, Continuing Operations, Total	-9,648
Investing activities
Capital contribution to subsidiary	-87,000
Net cash provided by (used in) investing activities	-87,000
Financing activities
Distributions received	16,239	15,295	14,176
Dividends paid	-16,683	-15,295	-14,176
Proceeds from issuances of common stock	289,322
Costs directly attributable to issuance of common stock	-1,578
Redemption of existing common stock	-190,595
Net cash provided by (used in) financing activities	96,705
Net change in cash and cash equivalents	57
Cash and cash equivalents at end of period	$57

Supplementary_Insurance_Inform1

Supplementary Insurance Information (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Supplementary Insurance Information, by Segment [Line Items]
DAC	$1,036	$1,095	$1,176
Loss and LAE Reserves	1,209,905	1,016,641	975,708
UPR	480,124	386,279	253,638
Earned Premium	96,650	84,378	78,096
Net Investment Income	4,841	4,901	5,525
Loss and LAE Incurred	40,821	32,090	28,989
DAC Amortization	4,966	4,899	8,007
General and Administrative Expenses	76,805	63,620	64,854
Net Written Premium	99,074	86,773	79,165
Program segment
Supplementary Insurance Information, by Segment [Line Items]
DAC		1	157
Loss and LAE Reserves	1,201,279	1,009,068	969,642
UPR	451,993	357,681	229,579
Earned Premium	-4	-501	1,600
Loss and LAE Incurred	217	465	3,062
DAC Amortization		163	478
General and Administrative Expenses	10,855	11,010	9,316
Net Written Premium	-5	-1,018	1,141
Lender segment
Supplementary Insurance Information, by Segment [Line Items]
DAC	1,036	1,094	1,019
Loss and LAE Reserves	8,626	7,573	6,066
UPR	28,131	28,598	24,059
Earned Premium	96,654	84,879	76,496
Loss and LAE Incurred	40,604	31,625	25,927
DAC Amortization	4,966	4,736	7,529
General and Administrative Expenses	38,995	36,020	39,193
Net Written Premium	99,079	87,791	78,024
Corporate
Supplementary Insurance Information, by Segment [Line Items]
Net Investment Income	4,841	4,901	5,525
General and Administrative Expenses	$26,955	$16,590	$16,345

Supplementary_Schedule_of_Allo1

Supplementary Schedule of Allowance For Policy Cancellations (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Allowance for policy cancellations.
Beginning balance	$39,623,000	$32,775,000	$27,511,000
Additions	209,335,000	165,030,000	132,408,000
Deductions	-197,678,000	-160,940,000	-128,881,000
Prior year development	4,220,000	2,758,000	1,737,000
Ending balance	55,500,000	39,623,000	32,775,000
Net negative impact to the balance sheet	$2,200,000	$1,600,000	$1,300,000