Donegal (DGICA) 10-K 7 Mar 22 2021 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2021	Mar. 01, 2022	Jun. 30, 2020
Entity Listings [Line Items]
Document Type	10-K
Amendment Flag	false
Document Annual Report	true
Document Period End Date	Dec. 31, 2021
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	FY
Document Transition Report	false
Entity File Number	0-15341
Entity Registrant Name	DONEGAL GROUP INC
Entity Central Index Key	0000800457
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	23-2424711
Entity Address, Address Line One	1195 River Road
Entity Address, City or Town	Marietta
Entity Address, State or Province	PA
Entity Address, Postal Zip Code	17547
City Area Code	800
Local Phone Number	877-0600
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 227,763,077
Auditor Firm ID	185
Auditor Name	KPMG LLP
Auditor Location	Philadelphia, Pennsylvania
Class A Common Stock [Member]
Entity Listings [Line Items]
Title of 12(b) Security	Class A Common Stock, $.01 par value
Trading Symbol	DGICA
Security Exchange Name	NASDAQ
Entity Common Stock, Shares Outstanding		25,787,922
Class B Common Stock [Member]
Entity Listings [Line Items]
Title of 12(b) Security	Class B Common Stock, $.01 par value
Trading Symbol	DGICB
Security Exchange Name	NASDAQ
Entity Common Stock, Shares Outstanding		5,576,775

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Fixed maturities
Held to maturity, at amortized cost (fair value $697,400,964 and $632,640,821)	$ 668,104,568	$ 586,609,439
Available for sale, at fair value (amortized cost $523,293,046 and $534,958,100)	532,629,015	555,136,017
Equity securities, at fair value	63,419,973	58,556,173
Short-term investments, at cost, which approximates fair value	12,692,341	20,900,155
Total investments	1,276,845,897	1,221,201,784
Cash	57,709,375	103,094,236
Accrued investment income	8,214,971	7,936,879
Premiums receivable	168,862,580	169,596,332
Reinsurance receivable	455,411,009	408,908,850
Deferred policy acquisition costs	68,028,373	59,156,958
Deferred tax asset, net	6,685,619	5,683,113
Prepaid reinsurance premiums	176,935,842	169,418,333
Property and equipment, net	2,956,930	4,390,377
Accounts receivable - securities	2,252	67,676
Federal income taxes recoverable	5,290,938	3,089,369
Receivable from Michigan Catastrophic Claims Association	18,112,800	0
Due from affiliate	1,922,717	0
Goodwill	5,625,354	5,625,354
Other intangible assets	958,010	958,010
Other	1,612,732	1,393,053
Total assets	2,255,175,399	2,160,520,324
Liabilities
Losses and loss expenses	1,077,620,301	962,007,437
Unearned premiums	572,958,422	537,189,598
Accrued expenses	4,028,659	29,115,198
Reinsurance balances payable	3,946,105	3,233,523
Borrowings under lines of credit	35,000,000	85,000,000
Cash dividends declared to stockholders	4,915,268	4,436,301
Cash refunds due to Michigan policyholders	18,112,800	0
Subordinated debentures	0	5,000,000
Due to affiliate	0	10,293,495
Other	7,557,757	6,470,652
Total liabilities	1,724,139,312	1,642,746,204
Stockholders' Equity
Preferred stock, $.01 par value, authorized 2,000,000 shares; none issued	0	0
Additional paid-in capital	304,889,481	289,149,567
Accumulated other comprehensive income	3,283,551	11,130,612
Retained earnings	263,745,358	258,387,288
Treasury stock, at cost	(41,226,357)	(41,226,357)
Total stockholders' equity	531,036,087	517,774,120
Total liabilities and stockholders' equity	2,255,175,399	2,160,520,324
Class A Common Stock [Member]
Stockholders' Equity
Common stock value	287,562	276,518
Class B Common Stock [Member]
Stockholders' Equity
Common stock value	$ 56,492	$ 56,492

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Fixed maturities
Held to maturity, fair value	$ 697,400,964	$ 632,640,821
Available for sale, amortized cost	$ 523,293,046	$ 534,958,100
Stockholders' Equity
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	2,000,000	2,000,000
Preferred stock, shares issued (in shares)	0	0
Class A Common Stock [Member]
Stockholders' Equity
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	50,000,000	50,000,000
Common stock, shares issued (in shares)	28,756,203	27,651,774
Common stock, shares outstanding (in shares)	25,753,615	24,649,186
Class B Common Stock [Member]
Stockholders' Equity
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	10,000,000	10,000,000
Common stock, shares issued (in shares)	5,649,240	5,649,240
Common stock, shares outstanding (in shares)	5,576,775	5,576,775

Consolidated Statements of Inco

Consolidated Statements of Income and Comprehensive Income - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Revenues
Net premiums earned (includes affiliated reinsurance of $212,591,341, $192,861,276 and $204,708,630 - see note 3)	$ 776,015,201	$ 742,040,339	$ 756,078,400
Investment income, net of investment expenses	31,125,631	29,504,466	29,514,955
Installment payment fees	2,416,873	3,063,097	4,134,749
Lease income	430,800	434,089	443,750
Net investment gains (includes $382,602, $572,106 and $147,236 accumulated other comprehensive income reclassification)	6,477,286	2,777,919	21,984,617
Equity in earnings of Donegal Financial Services Corporation	0	0	295,000
Total revenues	816,465,791	777,819,910	812,451,471
Expenses
Net losses and loss expenses (includes affiliated reinsurance of $131,367,599, $87,374,791 and $103,218,679 - see note 3)	520,709,542	459,764,293	506,387,664
Amortization of deferred policy acquisition costs	128,733,000	119,072,000	122,443,000
Other underwriting expenses	129,367,893	125,862,651	114,561,741
Policyholder dividends	5,198,515	7,394,310	8,978,406
Interest	895,605	1,196,406	1,579,299
Other, net	1,222,728	1,257,747	1,420,331
Total expenses	786,127,283	714,547,407	755,370,441
Income before income tax expense	30,338,508	63,272,503	57,081,030
Income tax expense (includes $80,346, $120,142 and $30,920 income tax expense from reclassification items)	5,084,334	10,457,251	9,929,286
Net income	25,254,174	52,815,252	47,151,744
Statements of Comprehensive Income
Net income	25,254,174	52,815,252	47,151,744
Unrealized (loss) gain on securities:
Unrealized holding (loss) gain arising during the period, net of income tax (benefit) expense of ($2,008,078), $2,944,892 and $3,947,082	(7,544,805)	11,078,406	14,848,545
Reclassification adjustment for gains included in net income, net of income tax expense of $80,346, $120,142 and $30,920	(302,256)	(451,964)	(116,316)
Other comprehensive (loss) income	(7,847,061)	10,626,442	14,732,229
Comprehensive income	$ 17,407,113	$ 63,441,694	$ 61,883,973
Class A Common Stock [Member]
Basic earnings per common share:
Basic (in dollars per share)	$ 0.83	$ 1.84	$ 1.68
Diluted earnings per common share:
Diluted (in dollars per share)	0.83	1.83	1.67
Class B Common Stock [Member]
Basic earnings per common share:
Basic (in dollars per share)	0.74	1.65	1.51
Diluted earnings per common share:
Diluted (in dollars per share)	$ 0.74	$ 1.65	$ 1.51

Consolidated Statements of In_2

Consolidated Statements of Income and Comprehensive Income (Parenthetical) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Revenues
Net premiums earned - affiliated reinsurance	$ 212,591,341	$ 192,861,276	$ 204,708,630
Net realized investment gains	6,477,286	2,777,919	21,984,617
Expenses
Net losses and loss expenses - affiliated reinsurance	131,367,599	87,374,791	103,218,679
Income tax expense	5,084,334	10,457,251	9,929,286
Unrealized (loss) gain on securities:
Income tax (benefit) expense on unrealized holding (loss) gain arising during the period	(2,008,078)	2,944,892	3,947,082
Income tax expense on reclassification adjustment for gains	80,346	120,142	30,920
Reclassification out of Accumulated Other Comprehensive Income [Member]
Revenues
Net realized investment gains	382,602	572,106	147,236
Expenses
Income tax expense	$ 80,346	$ 120,142	$ 30,920

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($)	Common Stock [Member]Class A Common Stock [Member]	Common Stock [Member]Class B Common Stock [Member]	Additional Paid-In Capital [Member]	Accumulated Other Comprehensive (Loss) Income [Member]	Retained Earnings [Member]	Treasury Stock [Member]	Total
Beginning balance at Dec. 31, 2018	$ 258,194	$ 56,492	$ 261,258,423	$ (14,228,059)	$ 192,751,208	$ (41,226,357)	$ 398,869,901
Beginning balance (in shares) at Dec. 31, 2018	25,819,341	5,649,240
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of common stock (stock compensation plans)	$ 1,671		2,225,527				2,227,198
Issuance of common stock (stock compensation plans) (in shares)	167,096
Stock-based compensation	$ 2,175		4,251,665				4,253,840
Stock-based compensation (in shares)	217,498
Net income					47,151,744		47,151,744
Cash dividends					(16,219,393)		(16,219,393)
Grant of stock options			415,986		(415,986)		0
Other comprehensive income (loss)				14,732,229			14,732,229
Ending balance at Dec. 31, 2019	$ 262,040	$ 56,492	268,151,601	504,170	223,267,573	(41,226,357)	451,015,519
Ending balance (in shares) at Dec. 31, 2019	26,203,935	5,649,240
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of common stock (stock compensation plans)	$ 1,532		2,057,504				2,059,036
Issuance of common stock (stock compensation plans) (in shares)	153,233
Stock-based compensation	$ 12,946		18,582,085				18,595,031
Stock-based compensation (in shares)	1,294,606
Net income					52,815,252		52,815,252
Cash dividends					(17,337,160)		(17,337,160)
Grant of stock options			358,377		(358,377)		0
Other comprehensive income (loss)				10,626,442			10,626,442
Ending balance at Dec. 31, 2020	$ 276,518	$ 56,492	289,149,567	11,130,612	258,387,288	(41,226,357)	517,774,120
Ending balance (in shares) at Dec. 31, 2020	27,651,774	5,649,240
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of common stock (stock compensation plans)	$ 1,578		2,161,142				2,162,720
Issuance of common stock (stock compensation plans) (in shares)	157,783
Stock-based compensation	$ 9,466		13,260,855				13,270,321
Stock-based compensation (in shares)	946,646
Net income					25,254,174		25,254,174
Cash dividends					(19,578,187)		(19,578,187)
Grant of stock options			317,917		(317,917)		0
Other comprehensive income (loss)				(7,847,061)			(7,847,061)
Ending balance at Dec. 31, 2021	$ 287,562	$ 56,492	$ 304,889,481	$ 3,283,551	$ 263,745,358	$ (41,226,357)	$ 531,036,087
Ending balance (in shares) at Dec. 31, 2021	28,756,203	5,649,240

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash Flows from Operating Activities:
Net income	$ 25,254,174	$ 52,815,252	$ 47,151,744
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and other non-cash items	5,837,809	6,721,621	5,573,074
Net investment gains	(6,477,286)	(2,777,919)	(21,984,617)
Equity in earnings of Donegal Financial Services Corporation	0	0	(295,000)
Changes in Assets and Liabilities:
Losses and loss expenses	115,612,864	92,333,588	55,008,625
Unearned premiums	35,768,824	27,042,113	3,618,879
Accrued expenses	(25,086,539)	661,454	3,011,598
Premiums receivable	733,752	(3,863,383)	(9,030,699)
Deferred policy acquisition costs	(8,871,415)	127,901	1,330,268
Deferred income taxes	1,095,306	6,448	649,928
Reinsurance receivable	(46,502,159)	(41,887,382)	(23,652,403)
Accrued investment income	(278,092)	(870,850)	(504,830)
Amounts due to affiliate	(12,216,212)	224,324	(805,369)
Reinsurance balances payable	712,582	1,117,439	(1,766,109)
Prepaid reinsurance premiums	(7,517,509)	(26,942,566)	(7,095,990)
Current income taxes	(2,201,569)	(3,174,200)	19,117,435
Other, net	867,438	(399,440)	6,033,243
Net adjustments	51,477,794	48,319,148	29,208,033
Net cash provided by operating activities	76,731,968	101,134,400	76,359,777
Purchases of fixed maturities:
Held to maturity	(125,630,220)	(157,048,527)	(96,724,391)
Available for sale	(163,593,018)	(176,500,255)	(165,989,508)
Purchases of equity securities	(25,354,790)	(6,964,092)	(20,722,416)
Sales of fixed maturities:
Available for sale	6,281,963	22,172,930	19,527,658
Maturity of fixed maturities:
Held to maturity	44,211,076	47,448,424	24,460,749
Available for sale	165,867,395	172,084,542	119,113,273
Sales of equity securities	26,585,663	6,091,288	40,465,748
Net sales (purchases) of property and equipment	1,224,806	(89,702)	(149,603)
Sale of investment in Donegal Financial Services Corporation	0	0	33,922,773
Net sales (purchases) of short-term investments	8,207,814	(6,869,933)	2,718,538
Net cash used in investing activities	(62,199,311)	(99,675,325)	(43,377,179)
Cash Flows from Financing Activities:
Issuance of common stock	14,181,702	19,292,324	4,834,514
Cash dividends paid	(19,099,220)	(16,976,093)	(16,092,643)
Payments on subordinated debentures	(5,000,000)	0	0
Payments on lines of credit	(50,000,000)	0	(25,000,000)
Borrowings under lines of credit	0	50,000,000	0
Net cash (used in) provided by financing activities	(59,917,518)	52,316,231	(36,258,129)
Net (decrease) increase in cash	(45,384,861)	53,775,306	(3,275,531)
Cash at beginning of year	103,094,236	49,318,930	52,594,461
Cash at end of year	$ 57,709,375	$ 103,094,236	$ 49,318,930

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2021
Summary of Significant Accounting Policies [Abstract]
Summary of Significant Accounting Policies	1 - Summary of Significant Accounting Policies Organization and Business Donegal Mutual Insurance Company (“Donegal Mutual”) organized us as an insurance holding company on August 26, 1986. Our insurance subsidiaries, Atlantic States Insurance Company (“Atlantic States”), Southern Insurance Company of Virginia (“Southern”), the Peninsula Insurance Group (“Peninsula”), which consists of Peninsula Indemnity Company and The Peninsula Insurance Company and Michigan Insurance Company (“MICO”), and affiliates write personal and commercial lines of property and casualty coverages exclusively through a network of independent insurance agents in certain Mid-Atlantic, Midwestern, New England, Southern and Southwestern states. At December 31, 2021 we had three segments: our investment function, our commercial lines of insurance and our personal lines of insurance. The commercial lines products of our insurance subsidiaries consist primarily of commercial automobile, commercial multi-peril and workers’ compensation policies. The personal lines products of our insurance subsidiaries consist primarily of homeowners and private passenger automobile policies. At December 31, 2021, Donegal Mutual held approximately 41% of our outstanding Class A common stock and approximately 84% of our outstanding Class B common stock. This ownership provides Donegal Mutual with approximately 70% of the total voting power of our common stock. Our insurance subsidiaries and Donegal Mutual have interrelated operations due to a pooling agreement and other intercompany agreements and transactions. While each company maintains its separate corporate existence, our insurance subsidiaries and Donegal Mutual conduct business together as the Donegal Insurance Group. As such, Donegal Mutual and our insurance subsidiaries share the same business philosophy, the same management, the same employees and the same facilities and offer the same types of insurance products. Atlantic States, our largest subsidiary, participates in a proportional reinsurance agreement, or pooling agreement, with Donegal Mutual. Under the pooling agreement, Donegal Mutual and Atlantic States contribute substantially all of their respective premiums, losses and loss expenses to the underwriting pool, and the underwriting pool, acting through Donegal Mutual, then allocates 80% of the pooled business to Atlantic States. Thus, Donegal Mutual and Atlantic States share the underwriting results of the pooled business in proportion to their respective participation in the underwriting pool. In addition, Donegal Mutual has a 100% quota-share reinsurance agreement with Southern Mutual Insurance Company, or Southern Mutual. Donegal Mutual places its assumed business from Southern Mutual into the underwriting pool. Donegal Mutual completed the merger of Mountain States Mutual Casualty Company, or Mountain States, with and into Donegal Mutual effective May 25, 2017. Donegal Mutual was the surviving company in the merger, and Mountain States’ insurance subsidiaries, Mountain States Indemnity Company and Mountain States Commercial Insurance Company (collectively, the “Mountain States insurance subsidiaries”), became insurance subsidiaries of Donegal Mutual upon completion of the merger. Upon completion of the merger, Donegal Mutual assumed all of the policy obligations of Mountain States and began to market its products together with the Mountain States insurance subsidiaries as the Mountain States Insurance Group in four Southwestern states. Donegal Mutual also entered into a 100% quota-share reinsurance agreement with the Mountain States insurance subsidiaries on the merger date. Beginning with policies effective in 2021, Donegal Mutual began to place the business of the Mountain States Insurance Group into the underwriting pool. As a result, our consolidated financial results through December 31, 2020 excluded the results of the Mountain States Insurance Group operations in those Southwestern states. We and Donegal Mutual sold Donegal Financial Services Corporation (“DFSC”) to Northwest Bancshares, Inc. (“Northwest”) on March 8, 2019, resulting in proceeds valued at approximately $85.8 million in a combination of cash and Northwest common stock. DFSC was a grandfathered unitary savings and loan holding company that owned Union Community Bank, a state savings bank. Immediately prior to the closing of the merger, DFSC paid a dividend of approximately $29.2 million to us and Donegal Mutual. As the owner of 48.2% of DFSC’s common stock, we received a dividend payment from DFSC of approximately $14.1 million and consideration from Northwest that included a combination of cash in the amount of $20.5 million and Northwest common stock with a fair value at the closing date of $20.9 million. We recorded a gain of $12.7 million from the sale of DFSC in our results of operations during 2019. We sold the Northwest common stock that we received as part of the consideration during 2019. This transaction represented the culmination of a banking strategy that began with the formation of DFSC in 2000. Effective December 1, 2019, our insurance subsidiaries Le Mars Insurance Company (“Le Mars”) and Sheboygan Falls Insurance Company (“Sheboygan Falls”) merged with and into Atlantic States Insurance Company (the “Mergers”). As a result of the Mergers, the separate corporate existences of Le Mars and Sheboygan Falls ceased and Atlantic States Insurance Company (“Atlantic States”) continued as the surviving insurance company. Atlantic States placed the business of Le Mars and Sheboygan Falls, as their policies renewed subsequent to the effective date of the Mergers, into the underwriting pool. The same executive management and underwriting personnel administer products, classes of business underwritten, pricing practices and underwriting standards of Donegal Mutual and our insurance subsidiaries. In addition, as the Donegal Insurance Group, Donegal Mutual and our insurance subsidiaries share a combined business plan to achieve market penetration and underwriting profitability objectives. The products our insurance subsidiaries and Donegal Mutual market are generally complementary, thereby allowing the Donegal Insurance Group to offer a broader range of products to a given market and to expand the Donegal Insurance Group’s ability to service an entire personal lines or commercial lines account. Distinctions within the products of Donegal Mutual and our insurance subsidiaries generally relate to specific risk profiles targeted within similar classes of business, such as preferred tier versus standard tier products, but we do not allocate all of the standard risk gradients to one company. Therefore, the underwriting profitability of the business the individual companies write directly will vary. However, the underwriting pool homogenizes the risk characteristics of all business that Donegal Mutual and Atlantic States write directly. The business Atlantic States derives from the underwriting pool represents a significant percentage of our total consolidated revenues. We refer to Note 3 - Transactions with Affiliates for more information regarding the pooling agreement. Basis of Consolidation Our consolidated financial statements, which we have prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”), include our accounts and those of our wholly owned subsidiaries. We have eliminated all significant inter-company accounts and transactions in consolidation. The terms “we,” “us,” “our” or the “Company” as we use them in the notes to our consolidated financial statements refer to the consolidated entity. Use of Estimates In preparing our consolidated financial statements, our management makes estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the balance sheet and revenues and expenses for the period then ended. Actual results could differ significantly from those estimates. We make estimates and assumptions that could have a significant effect on amounts and disclosures we report in our consolidated financial statements. The most significant estimates relate to our insurance subsidiaries’ reserves for property and casualty insurance unpaid losses and loss expenses. While we believe our estimates and the estimates of our insurance subsidiaries are appropriate, the ultimate amounts may differ from the estimates provided. We regularly review our methods for making these estimates as well as the continuing appropriateness of the estimated amounts, and we reflect any adjustment we consider necessary in our current results of operations. Reclassification We have made certain reclassifications in our prior period financial statements to conform to the current year presentation. Investments We classify our debt securities into the following categories: Held to Maturity - Debt securities that we have the positive intent and ability to hold to maturity; reported at amortized cost. Available for Sale - Debt securities not classified as held to maturity; reported at fair value, with unrealized gains and losses excluded from income and reported as a separate component of stockholders’ equity (net of tax effects). Short-term investments are carried at amortized cost, which approximates fair value. We make estimates concerning the valuation of our investments and the recognition of other-than-temporary declines in the value of our investments. For equity securities, we measure investments at fair value and recognize changes in fair value in our results of operations. With respect to a debt security that is in an unrealized loss position, we first assess if we intend to sell the debt security. If we determine we intend to sell the debt security, we recognize the impairment loss in our results of operations. If we do not intend to sell the debt security, we determine whether it is more likely than not that we will be required to sell the debt security prior to recovery. If we determine it is more likely than not that we will be required to sell the debt security prior to recovery, we recognize an impairment loss in our results of operations. If we determine it is more likely than not that we will not be required to sell the debt security prior to recovery, we then evaluate whether a credit loss has occurred. We determine whether a credit loss has occurred by comparing the amortized cost of the debt security to the present value of the cash flows we expect to collect. If we expect a cash flow shortfall, we consider that a credit loss has occurred. If we determine that a credit loss has occurred, we consider the impairment to be other than temporary. We then recognize the amount of the impairment loss related to the credit loss in our results of operations, and we recognize the remaining portion of the impairment loss in our other comprehensive income, net of applicable taxes. In addition, we may write down securities in an unrealized loss position based on a number of other factors, including when the fair value of an investment is significantly below its cost, when the financial condition of the issuer of a security has deteriorated, the occurrence of industry, company or geographic events that have negatively impacted the value of a security and rating agency downgrades. We amortize premiums and discounts on debt securities over the life of the security as an adjustment to yield using the effective interest method. We compute investment gains and losses using the specific identification method. We amortize premiums and discounts for mortgage-backed debt securities using anticipated prepayments. Fair Values of Financial Instruments We use the following methods and assumptions in estimating our fair value disclosures: Investments - We present our investments in available-for-sale fixed maturity and equity securities at estimated fair value. The estimated fair value of a security may differ from the amount that we could realize if we sold the security in a forced transaction. In addition, the valuation of fixed maturity investments is more subjective when markets are less liquid, increasing the potential that the estimated fair value does not reflect the price at which an actual transaction would occur. We utilize nationally recognized independent pricing services to estimate fair values for our fixed maturity and equity investments. We generally obtain two prices per security. The pricing services utilize market quotations for fixed maturity and equity securities that have quoted prices in active markets. For fixed maturity securities that generally do not trade on a daily basis, the pricing services prepare estimates of fair value measurements based predominantly on observable market inputs. The pricing services do not use broker quotes in determining the fair values of our investments. Our investment personnel review the estimates of fair value the pricing services provide to determine if the estimates we obtain are representative of fair values based upon the general knowledge of our investment personnel of the market, their research findings related to unusual fluctuations in value and their comparison of such values to execution prices for similar securities. Our investment personnel monitor the market and are familiar with current trading ranges for similar securities and the pricing of specific investments. Our investment personnel review all pricing estimates that we receive from the pricing services against their expectations with respect to pricing based on fair market curves, security ratings, coupon rates, security type and recent trading activity. Our investment personnel review documentation with respect to the pricing services’ pricing methodology that they obtain periodically to determine if the primary pricing sources, market inputs and pricing frequency for various security types are reasonable. We refer to Note 5 - Fair Value Measurements for more information regarding our methods and assumptions in estimating fair values. Cash and Short-Term Investments - The carrying amounts we report in the balance sheet for these instruments approximate their fair values. Premiums and Reinsurance Receivables and Payables - The carrying amounts we report in the balance sheet for these instruments related to premiums and paid losses and loss expenses approximate their fair values. Subordinated Debentures - The carrying amounts we report in the balance sheet for these instruments approximate their fair values. Revenue Recognition Our insurance subsidiaries recognize insurance premiums as income over the terms of the policies they issue. Our insurance subsidiaries calculate unearned premiums on a daily pro-rata basis. Policy Acquisition Costs We defer our insurance subsidiaries’ policy acquisition costs, consisting primarily of commissions, premium taxes and certain other underwriting costs, reduced by ceding commissions, related directly to the successful acquisition of new or renewal insurance contracts. We amortize these deferred policy acquisition costs over the period in which our insurance subsidiaries earn the premiums. The method we follow in computing deferred policy acquisition costs limits the amount of such deferred costs to their estimated realizable value, which gives effect to the premium to be earned, related investment income, losses and loss expenses and certain other costs we expect to incur as our insurance subsidiaries earn the premium. Estimates in the calculation of policy acquisition costs have not shown material variability because of uncertainties in applying accounting principles or as a result of sensitivities to changes in key assumptions. Property and Equipment We report property and equipment at depreciated cost that we compute using the straight-line method based upon estimated useful lives of the assets. Losses and Loss Expenses Liabilities for losses and loss expenses are estimates at a given point in time of the amounts an insurer expects to pay with respect to incurred policyholder claims based on facts and circumstances the insurer knows at that point in time. For example, legislative, judicial and regulatory actions may expand coverage definitions, retroactively mandate coverage or otherwise require our insurance subsidiaries to pay losses for damages that their policies explicitly excluded or did not intend to cover. At the time of establishing its estimates, an insurer recognizes that its ultimate liability for losses and loss expenses will exceed or be less than such estimates. Our insurance subsidiaries base their estimates of liabilities for losses and loss expenses on assumptions as to future loss trends, expected claims severity, judicial theories of liability and other factors. However, during the loss adjustment period, our insurance subsidiaries may learn additional facts regarding individual claims, and, consequently, it often becomes necessary for our insurance subsidiaries to refine and adjust their estimates for these liabilities. We reflect any adjustments to the liabilities for losses and loss expenses of our insurance subsidiaries in our consolidated results of operations in the period in which our insurance subsidiaries make adjustments to their estimates. Our insurance subsidiaries maintain liabilities for the payment of losses and loss expenses with respect to both reported and unreported claims. Our insurance subsidiaries establish these liabilities for the purpose of covering the ultimate costs of settling all losses, including investigation and litigation costs. Our insurance subsidiaries base the amount of their liability for reported losses primarily upon a case-by-case evaluation of the type of risk involved, knowledge of the circumstances surrounding each claim and the insurance policy provisions relating to the type of loss the policyholder incurred. Our insurance subsidiaries determine the amount of their liability for unreported claims and loss expenses on the basis of historical information by line of insurance. Our insurance subsidiaries account for inflation in the reserving function through analysis of costs and trends and reviews of historical reserving results. Our insurance subsidiaries monitor their liabilities closely and recompute them periodically using new information on reported claims and a variety of statistical techniques. Our insurance subsidiaries do not discount their liabilities for losses and loss expenses. Reserve estimates can change over time because of unexpected changes in assumptions related to our insurance subsidiaries’ external environment and, to a lesser extent, assumptions related to our insurance subsidiaries’ internal operations. For example, our insurance subsidiaries have experienced an increase in claims severity and a lengthening of the claim settlement periods on bodily injury claims during the past several years. In addition, the COVID-19 pandemic and related government mandates and restrictions resulted in various changes from historical claims reporting and settlement trends during 2020 and resulted in significant increases in loss costs in 2021 due to a number of factors, including supply chain disruption, higher used automobile values, increases in the cost of replacement automobile parts and rising labor rates. These trend changes give rise to greater uncertainty as to the pattern of future loss settlements. Related uncertainties regarding future trends include social inflation, availability and cost of building materials, availability of skilled labor, the rate of plaintiff attorney involvement in claims and the cost of medical technologies and procedures. Assumptions related to our insurance subsidiaries’ external environment include the absence of significant changes in tort law and the legal environment that increase liability exposure, consistency in judicial interpretations of insurance coverage and policy provisions and the rate of loss cost inflation. Internal assumptions include consistency in the recording of premium and loss statistics, consistency in the recording of claims, payment and case reserving methodology, accurate measurement of the impact of rate changes and changes in policy provisions, consistency in the quality and characteristics of business written within a given line of business and consistency in reinsurance coverage and collectability of reinsured losses, among other items. To the extent our insurance subsidiaries determine that underlying factors impacting their assumptions have changed, our insurance subsidiaries make adjustments in their reserves that they consider appropriate for such changes. Accordingly, our insurance subsidiaries’ ultimate liability for unpaid losses and loss expenses will likely differ from the amount recorded. Our insurance subsidiaries seek to enhance their underwriting results by carefully selecting the product lines they underwrite. Our insurance subsidiaries’ personal lines products primarily include standard and preferred risks in private passenger automobile and homeowners lines. Our insurance subsidiaries’ commercial lines products primarily include business offices, wholesalers, service providers, contractors, artisans and light manufacturing operations. Our insurance subsidiaries have limited exposure to asbestos and other environmental liabilities. Our insurance subsidiaries write no medical malpractice liability risks. Income Taxes We currently file a consolidated federal income tax return that includes us and our insurance subsidiaries. We account for income taxes using the asset and liability method. The objective of the asset and liability method is to establish deferred tax assets and liabilities for the temporary differences between the financial reporting basis and the tax basis of our assets and liabilities at enacted tax rates we expect to be in effect when we realize or settle such amounts. Credit Risk Our objective is to earn competitive returns by investing in a diversified portfolio of securities. Our portfolio of fixed maturity securities and, to a lesser extent, short-term investments is subject to credit risk. We define this risk as the potential loss in fair value resulting from adverse changes in the borrower’s ability to repay its debt to us. We manage this risk by performing an analysis of prospective investments and through regular reviews of our portfolio by our investment personnel. We also limit the amount of our total investment portfolio that we invest in any one security. Our insurance subsidiaries provide property and liability insurance coverages through independent insurance agencies located throughout their operating areas. Our insurance subsidiaries bill the majority of this business directly to their policyholders, although our insurance subsidiaries bill a portion of their commercial business through their agents, to whom they extend credit in the normal course of business. Our insurance subsidiaries have reinsurance agreements with Donegal Mutual and with a number of major unaffiliated reinsurers. Reinsurance Accounting and Reporting Our insurance subsidiaries rely upon reinsurance agreements to limit their maximum net loss from large single risks or risks in concentrated areas and to increase their capacity to write insurance. Reinsurance does not relieve our insurance subsidiaries from liability to their respective policyholders. To the extent that a reinsurer cannot pay losses for which it is liable under the terms of a reinsurance agreement with one or more of our insurance subsidiaries, our insurance subsidiaries retain continued liability for such losses. However, in an effort to reduce the risk of non-payment, our insurance subsidiaries require all of their reinsurers to have an A.M. Best rating of A- or better or, with respect to foreign reinsurers, to have a financial condition that, in the opinion of our management, is equivalent to a company with an A.M. Best rating of A- or better. We refer to Note 10 - Reinsurance for more information regarding the reinsurance agreements of our insurance subsidiaries. Stock-Based Compensation We measure all share-based payments to our directors and the directors and employees of our subsidiaries and affiliates, including grants of stock options, using a fair-value-based method and record such expense in our results of operations. In determining the expense we record for stock options we grant to our directors and the directors and employees of our subsidiaries and affiliates, we estimate the fair value of each option award on the date of grant using the Black-Scholes option pricing model. The significant assumptions we utilize in applying the Black-Scholes option pricing model are the risk-free interest rate, expected term, dividend yield and expected volatility. In 2021, 2020 and 2019, we realized $438,850, $302,901 and $64,765, respectively, in tax benefits upon the exercise of stock options. Earnings Per Share We calculate basic earnings per share by dividing net income by the weighted-average number of common shares outstanding for the period. Diluted earnings per share reflects the dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock. We have two classes of common stock, which we refer to as Class A common stock and Class B common stock. Our Class A common stock is entitled to the declaration and payment of cash dividends that are at least 10% higher than those we declare and pay on our Class B common stock. Accordingly, we use the two-class method for the computation of earnings per common share. The two-class method is an earnings allocation formula that determines earnings per share separately for each class of common stock based on dividends declared and an allocation of remaining undistributed earnings using a participation percentage that reflects the dividend rights of each class. Goodwill and Other Intangible Assets Goodwill represents the excess of the purchase price over the underlying fair value of acquired entities. When completing acquisitions, we seek also to identify separately identifiable intangible assets that we have acquired. We assess goodwill and intangible assets with an indefinite useful life for impairment annually. We also assess goodwill and other intangible assets for impairment upon the occurrence of certain events. In making our assessment, we consider a number of factors including operating results, business plans, economic projections, anticipated future cash flows and current market data. Inherent uncertainties exist with respect to these factors and to our judgment in applying them when we make our assessment. Impairment of goodwill and other intangible assets could result from changes in economic and operating conditions in future periods.

Impact of New Accounting Standa

Impact of New Accounting Standards	12 Months Ended
	Dec. 31, 2021
Impact of New Accounting Standards [Abstract]
Impact of New Accounting Standards	2 - Impact of New Accounting Standards In September 2016, the FASB issued guidance that amends previous guidance on the impairment of financial instruments by adding an impairment model that requires an entity to recognize expected credit losses as an allowance rather than impairments as credit losses are incurred. The intent of this guidance is to reduce complexity and result in a more timely recognition of expected credit losses. In November 2019, the FASB issued guidance that delays the effective date for “smaller reporting companies,” as defined in Item 10(f)(1) of Regulation S-K, to annual and interim reporting periods beginning after December 15, 2022 from December 15, 2019. We are a smaller reporting company and are in the process of evaluating the impact of the adoption of this guidance on our financial position, results of operations and cash flows. In December 2019, the FASB issued guidance that simplifies accounting for income taxes. The guidance eliminates certain exceptions related to the approach for intra-period tax allocation, the methodology for calculating income taxes in an interim period and the recognition of deferred tax liabilities for outside basis differences. The guidance was effective January 1, 2021, using the retrospective method or modified retrospective method for certain changes and the prospective method for all other changes, and permits early adoption. Our adoption of this guidance on January 1, 2021 did not have a significant impact on our financial position, results of operations or cash flows.

Transactions with Affiliates

Transactions with Affiliates	12 Months Ended
	Dec. 31, 2021
Transactions with Affiliates [Abstract]
Transactions with Affiliates	3 - Transactions with Affiliates Our insurance subsidiaries conduct business and have various agreements with Donegal Mutual that we describe in the following subparagraphs: a. Reinsurance Pooling and Other Reinsurance Arrangements Atlantic States, our largest insurance subsidiary, and Donegal Mutual have a pooling agreement under which both companies contribute substantially all of their direct written business to the pool and receive an allocated percentage of the pooled underwriting results, excluding certain reinsurance Donegal Mutual assumes from our insurance subsidiaries. Beginning with policies effective in 2021, Donegal Mutual began to place the business of the Mountain States Insurance Group into the underwriting pool. In addition, Donegal Mutual has a 100% quota-share reinsurance agreement with Southern Mutual Insurance Company, or Southern Mutual, and Donegal Mutual places its assumed business from Southern Mutual into the underwriting pool. Atlantic States has an 80% share of the results of the pool, and Donegal Mutual has a 20% share of the results of the pool. The intent of the pooling agreement is to produce more uniform and stable underwriting results from year to year for each pool participant than they would experience individually and to spread the risk of loss between the participants based on each participant’s relative amount of surplus and relative access to capital. Each participant in the pool has at its disposal the capacity of the entire pool, rather than being limited to policy exposures of a size commensurate with its own capital and surplus. The following amounts represent reinsurance Atlantic States ceded to the pool during 2021, 2020 and 2019: 2021 2020 2019 Premiums earned $ 305,729,418 $ 266,400,636 $ 218,642,984 Losses and loss expenses 222,737,225 181,205,743 173,238,503 Prepaid reinsurance premiums 152,323,262 146,387,565 116,189,929 Liability for losses and loss expenses 274,033,812 232,540,607 183,326,589 The following amounts represent reinsurance Atlantic States assumed from the pool during 2021, 2020 and 2019: 2021 2020 2019 Premiums earned $ 573,891,394 $ 514,172,448 $ 479,835,362 Losses and loss expenses 383,455,320 309,315,497 309,852,141 Unearned premiums 289,976,879 262,004,199 237,106,338 Liability for losses and loss expenses 455,564,733 377,530,215 322,658,731 Donegal Mutual and MICO had a quota-share reinsurance agreement under which Donegal Mutual assumed 25% of the premiums and losses related to the business of MICO for policies effective through December 31, 2021. Donegal Mutual and MICO terminated this reinsurance agreement on a run-off basis effective January 1, 2022. Donegal Mutual and Peninsula had a quota-share reinsurance agreement under which Donegal Mutual assumed 100% of the premiums and losses related to the workers’ compensation product line of Peninsula in certain states for policies effective through December 31, 2021. Donegal Mutual and Peninsula terminated this reinsurance agreement on a run-off basis effective January 1, 2022. Donegal Mutual places its assumed business from MICO and Peninsula into the underwriting pool. The following amounts represent reinsurance ceded to Donegal Mutual pursuant to these quota-share reinsurance agreements during 2021, 2020 and 2019: 2021 2020 2019 Premiums earned $ 37,996,474 $ 39,315,398 $ 42,079,112 Losses and loss expenses 20,037,608 15,471,037 19,617,787 Prepaid reinsurance premiums 18,548,821 17,155,909 19,217,849 Liability for losses and loss expenses 36,659,853 35,306,627 36,597,834 Each of our insurance subsidiaries had a catastrophe reinsurance agreement with Donegal Mutual that provided coverage under any one catastrophic occurrence above a set retention of $2,000,000, with a combined retention of $5,000,000 for a catastrophe involving a combination of our insurance subsidiaries, up to the amount Donegal Mutual and our insurance subsidiaries retained under catastrophe reinsurance agreements with unaffiliated reinsurers. The following amounts represent reinsurance that our insurance subsidiaries ceded to Donegal Mutual pursuant to these reinsurance agreements during 2021, 2020 and 2019: 2021 2020 2019 Premiums earned $ 17,574,161 $ 15,595,138 $ 14,404,636 Losses and loss expenses 9,309,624 25,259,527 13,769,736 Liability for losses and loss expenses 1,658,057 3,812,339 3,149,907 The following amounts represent the effect of affiliated reinsurance transactions on net premiums our insurance subsidiaries earned during 2021, 2020 and 2019: 2021 2020 2019 Assumed $ 573,891,394 $ 514,172,448 $ 479,835,362 Ceded (361,300,053 ) (321,311,172 ) (275,126,732 ) Net $ 212,591,341 $ 192,861,276 $ 204,708,630 The following amounts represent the effect of affiliated reinsurance transactions on net losses and loss expenses our insurance subsidiaries incurred during 2021, 2020 and 2019: 2021 2020 2019 Assumed $ 383,452,056 $ 309,311,098 $ 309,844,705 Ceded (252,084,457 ) (221,936,307 ) (206,626,026 ) Net $ 131,367,599 $ 87,374,791 $ 103,218,679 b. Expense Sharing Donegal Mutual provides facilities, management and other services to us and our insurance subsidiaries. In addition, Donegal Mutual purchases and maintains the information technology systems that support the business of Donegal Mutual and our insurance subsidiaries. Donegal Mutual allocates certain related expenses to Atlantic States in relation to the relative participation of Atlantic States and Donegal Mutual in the pooling agreement. Our insurance subsidiaries other than Atlantic States reimburse Donegal Mutual for allocated costs of services Donegal Mutual provides on their behalf based on their proportion of the total direct premiums written of the Donegal Insurance Group and other metrics. Donegal Mutual allocates costs related to its development and maintenance of information technology systems over the estimated useful life of those systems (generally five years) and charges a proportionate share of those costs to our insurance subsidiaries based on their percentage of the total net premiums written of the Donegal Insurance Group. Allocated expenses from Donegal Mutual for services it provided to our insurance subsidiaries totaled $186,568,897, $153,941,121 and $134,143,158 for 2021, 2020 and 2019, respectively. To enhance process efficiencies, Donegal Mutual paid certain expenses directly in 2021 that our insurance subsidiaries paid directly in 2020, resulting in higher allocations of expenses from Donegal Mutual to our insurance subsidiaries and lower direct expense payments by our insurance subsidiaries in 2021 compared to 2020. Donegal Mutual is currently in the midst of a multi-year effort to modernize certain of its key technology infrastructure and application systems. Donegal Mutual placed the first and second releases of new systems into service in 2020 and 2021, respectively. Donegal Mutual allocated $5.1 million and $2.8 million of related costs to our insurance subsidiaries in 2021 and 2020, respectively. Donegal Mutual will allocate to our insurance subsidiaries their proportionate share of the remaining $34.3 million of its costs for the first and second releases over the next five years. Donegal Mutual incurred an additional $3.4 million of deferred costs related to releases under development that were not yet ready for their intended use at December 31, 2021. Our management believes that the allocation methods Donegal Mutual utilizes are reasonable. In addition, Donegal Mutual and we maintain a coordinating committee that consists of two members of our board of directors, neither of whom is a member of Donegal Mutual’s board of directors, and two members of Donegal Mutual’s board of directors, neither of whom is a member of our board of directors. The purpose of the coordinating committee is to maintain a process for an ongoing evaluation of the fairness of the terms of all transactions between Donegal Mutual and our insurance subsidiaries. We include in our consolidated balance sheet the net amount of intercompany balances due to or from Donegal Mutual. During 2021, Donegal Mutual and our insurance subsidiaries aligned the timing of monthly settlements of various intercompany balances, including affiliated reinsurance transactions, expenses Donegal Mutual allocates to our insurance subsidiaries, premiums Donegal Mutual collects on behalf of our insurance subsidiaries, and losses and loss expenses Donegal Mutual pays on behalf of our insurance subsidiaries. c. Lease Agreement We lease office equipment with terms ranging from 3 to 10 years to Donegal Mutual under a lease agreement dated January 1, 2011.

Investments

Investments	12 Months Ended
	Dec. 31, 2021
Investments [Abstract]
Investments	4 - Investments The amortized cost and estimated fair values of our fixed maturities at December 31, 2021 and 2020 are as follows: 2021 Held to Maturity Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value U.S. Treasury securities and obligations of U.S. government corporations and agencies $ 89,267,988 $ 1,922,976 $ 1,015,040 $ 90,175,924 Obligations of states and political subdivisions 371,435,776 17,856,745 948,113 388,344,408 Corporate securities 191,147,051 11,576,693 772,809 201,950,935 Mortgage-backed securities 16,253,753 675,944 — 16,929,697 Totals $ 668,104,568 $ 32,032,358 $ 2,735,962 $ 697,400,964 2021 Available for Sale Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value U.S. Treasury securities and obligations of U.S. government corporations and agencies $ 32,501,080 $ 144,377 $ 460,831 $ 32,184,626 Obligations of states and political subdivisions 55,458,687 2,002,035 82,631 57,378,091 Corporate securities 215,668,644 6,817,036 874,405 221,611,275 Mortgage-backed securities 219,664,635 3,000,806 1,210,418 221,455,023 Totals $ 523,293,046 $ 11,964,254 $ 2,628,285 $ 532,629,015 2020 Held to Maturity Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value U.S. Treasury securities and obligations of U.S. government corporations and agencies $ 77,435,268 $ 3,983,890 $ 223,564 $ 81,195,594 Obligations of states and political subdivisions 312,319,238 23,211,483 142,750 335,387,971 Corporate securities 173,269,560 18,172,244 205,761 191,236,043 Mortgage-backed securities 23,585,373 1,235,840 — 24,821,213 Totals $ 586,609,439 $ 46,603,457 $ 572,075 $ 632,640,821 2020 Available for Sale Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value U.S. Treasury securities and obligations of U.S. government corporations and agencies $ 47,511,872 $ 423,855 $ 121,015 $ 47,814,712 Obligations of states and political subdivisions 66,286,667 2,690,335 11,765 68,965,237 Corporate securities 202,396,309 10,496,218 184,464 212,708,063 Mortgage-backed securities 218,763,252 6,901,676 16,923 225,648,005 Totals $ 534,958,100 $ 20,512,084 $ 334,167 $ 555,136,017 At December 31, 2021, our holdings of obligations of states and political subdivisions included general obligation bonds with an aggregate fair value of $284.9 At December 31, 2020, our holdings of obligations of states and political subdivisions included general obligation bonds with an aggregate fair value of $263.6 We have segregated within accumulated other comprehensive income the net unrealized losses of $15.1 million arising prior to the November 30, 2013 reclassification date for fixed maturities reclassified from available for sale to held to maturity. We are amortizing this balance over the remaining life of the related securities as an adjustment of yield in a manner consistent with the accretion of discount on the same fixed maturities. We recorded amortization of $897,073, $1.4 million and $1.2 million in other comprehensive income in 2021, 2020 and 2019, respectively. At December 31, 2021 and 2020, net unrealized losses of $5.2 million and $6.1 million, respectively, remained within accumulated other comprehensive income. We set forth below the amortized cost and estimated fair value of fixed maturities at December 31, 2021 by contractual maturity. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Amortized Cost Estimated Fair Value Held to maturity Due in one year or less $ 29,359,965 $ 30,170,296 Due after one year through five years 84,797,619 89,011,185 Due after five years through ten years 229,972,129 238,657,219 Due after ten years 307,721,102 322,632,567 Mortgage-backed securities 16,253,753 16,929,697 Total held to maturity $ 668,104,568 $ 697,400,964 Available for sale Due in one year or less $ 19,157,465 $ 19,411,213 Due after one year through five years 124,209,793 128,340,492 Due after five years through ten years 130,046,327 132,293,644 Due after ten years 30,214,826 31,128,643 Mortgage-backed securities 219,664,635 221,455,023 Total available for sale $ 523,293,046 $ 532,629,015 The cost and estimated fair values of our equity securities at December 31, 2021 were as follows: Cost Gross Gains Gross Losses Estimated Fair Value Equity securities $ 43,262,577 $ 20,413,667 $ 256,271 $ 63,419,973 The cost and estimated fair values of our equity securities at December 31, 2020 were as follows: Cost Gross Gains Gross Losses Estimated Fair Value Equity securities $ 42,409,750 $ 17,103,055 $ 956,632 $ 58,556,173 The amortized cost of fixed maturities on deposit with various regulatory authorities at December 31, 2021 and 2020 amounted to $8,852,886 We derived net investment income, consisting primarily of interest and dividends, from the following sources: 2021 2020 2019 Fixed maturities $ 32,343,878 $ 30,750,231 $ 29,969,774 Equity securities 1,437,948 1,386,343 1,268,056 Short-term investments 321,117 427,392 1,243,104 Other 29,250 29,250 29,251 Investment income 34,132,193 32,593,216 32,510,185 Investment expenses (3,006,562 ) (3,088,750 ) (2,995,230 ) Net investment income $ 31,125,631 $ 29,504,466 $ 29,514,955 We present below gross gains and losses from investments and the change in the difference between fair value and cost of investments: 2021 2020 2019 Gross realized gains: Fixed maturities $ 676,724 $ 818,350 $ 470,983 Equity securities 1,430,465 106,075 1,546,598 Investment in affiliate — — 12,662,147 2,107,189 924,425 14,679,728 Gross realized losses: Fixed maturities 294,126 246,243 323,746 Equity securities 462,335 3,555,304 1,270,301 756,461 3,801,547 1,594,047 Net realized gains (losses) 1,350,728 (2,877,122 ) 13,085,681 Gross unrealized gains on equity securities 5,627,949 8,426,806 8,924,687 Gross unrealized losses on equity securities (501,391 ) (2,771,765 ) (25,751 ) Net investment gains $ 6,477,286 $ 2,777,919 $ 21,984,617 Change in difference between fair value and cost of investments: Fixed maturities $ (27,576,934 ) $ 33,876,212 $ 38,647,456 Equity securities 4,010,973 4,088,003 9,334,127 Totals $ (23,565,961 ) $ 37,964,215 $ 47,981,583 We held fixed maturities with unrealized losses representing declines that we considered temporary at December 31, 2021 as follows: Less than 12 months 12 months or longer Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury securities and obligations of U.S. government corporations and agencies $ 27,691,051 $ 412,055 $ 28,426,248 $ 1,063,816 Obligations of states and political subdivisions 56,654,480 899,139 7,090,499 131,605 Corporate securities 92,736,747 1,609,931 1,462,717 37,283 Mortgage-backed securities 90,006,234 1,128,197 2,361,232 82,221 Totals $ 267,088,512 $ 4,049,322 $ 39,340,696 $ 1,314,925 We held fixed maturities with unrealized losses representing declines that we considered temporary at December 31, 2020 as follows: Less than 12 months 12 months or longer Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury securities and obligations of U.S. government corporations and agencies $ 29,144,224 $ 344,579 $ — $ — Obligations of states and political subdivisions 9,361,435 154,515 — — Corporate securities 26,142,933 114,606 8,229,646 275,619 Mortgage-backed securities 3,091,272 15,425 236,560 1,498 Totals $ 67,739,864 $ 629,125 $ 8,466,206 $ 277,117 We make estimates concerning the valuation of our investments and the recognition of other-than-temporary declines in the value of our investments. For equity securities, we measure investments at fair value, and we recognize changes in fair value in our results of operations. With respect to a debt security that is in an unrealized loss position, we first assess if we intend to sell the debt security. If we determine we intend to sell the debt security, we recognize the impairment loss in our results of operations. If we do not intend to sell the debt security, we determine whether it is more likely than not that we will be required to sell the debt security prior to recovery. If we determine it is more likely than not that we will be required to sell the debt security prior to recovery, we recognize an impairment loss in our results of operations. If we determine it is more likely than not that we will not be required to sell the debt security prior to recovery, we then evaluate whether a credit loss has occurred. We determine whether a credit loss has occurred by comparing the amortized cost of the debt security to the present value of the cash flows we expect to collect. If we expect a cash flow shortfall, we consider that a credit loss has occurred. If we determine that a credit loss has occurred, we consider the impairment to be other than temporary. We then recognize the amount of the impairment loss related to the credit loss in our results of operations, and we recognize the remaining portion of the impairment loss in our other comprehensive income, net of applicable taxes. In addition, we may write down securities in an unrealized loss position based on a number of other factors, including when the fair value of an investment is significantly below its cost, when the financial condition of the issuer of a security has deteriorated, the occurrence of industry, company or geographic events that have negatively impacted the value of a security and rating agency downgrades. We held 150 debt securities that were in an unrealized loss position at December 31, 2021. Based upon our analysis of general market conditions and underlying factors impacting these debt securities, we considered these declines in value to be temporary. We did not recognize any impairment losses in 2021, 2020 or 2019. We had no sales or transfers from our held to maturity portfolio in 2021, 2020 or 2019. We had no derivative instruments or hedging activities during 2021, 2020 or 2019.

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2021
Fair Value Measurements [Abstract]
Fair Value Measurements	5 - Fair Value Measurements We account for financial assets using a framework that establishes a hierarchy that ranks the quality and reliability of inputs, or assumptions, used in the determination of fair value, and we classify financial assets and liabilities carried at fair value in one of the following three categories: Level 1 - quoted prices in active markets for identical assets and liabilities; Level 2 - directly or indirectly observable inputs other than Level 1 quoted prices; and Level 3 - unobservable inputs not corroborated by market data. For investments that have quoted market prices in active markets, we use the quoted market price as fair value and include these investments in Level 1 of the fair value hierarchy. We classify publicly traded equity securities as Level 1. When quoted market prices in active markets are not available, we base fair values on quoted market prices of comparable instruments or price estimates we obtain from independent pricing services. We classify our fixed maturity investments and non-publicly traded equity securities as Level 2. Our fixed maturity investments consist of U.S. Treasury securities and obligations of U.S. government corporations and agencies, obligations of states and political subdivisions, corporate securities and mortgage-backed securities. We present our investments in available-for-sale fixed maturity and equity securities at estimated fair value. The estimated fair value of a security may differ from the amount that we could realize if we sold the security in a forced transaction. In addition, the valuation of fixed maturity investments is more subjective when markets are less liquid, increasing the potential that the estimated fair value does not reflect the price at which an actual transaction would occur. We utilize nationally recognized independent pricing services to estimate fair values or obtain market quotations for substantially all of our fixed maturity and equity investments. We generally obtain two prices per security. The pricing services utilize market quotations for fixed maturity and equity securities that have quoted prices in active markets. For fixed maturity securities that generally do not trade on a daily basis, the pricing services prepare estimates of fair value measurements based predominantly on observable market inputs. The pricing services do not use broker quotes in determining the fair values of our investments. Our investment personnel review the estimates of fair value the pricing services provide to determine if the estimates we obtain are representative of fair values based upon the general knowledge of the market of our investment personnel, their research findings related to unusual fluctuations in value and their comparison of such values to execution prices for similar securities. Our investment personnel monitor the market and are familiar with current trading ranges for similar securities and pricing of specific investments. Our investment personnel review all pricing estimates that we receive from the pricing services against their expectations with respect to pricing based on fair market curves, security ratings, coupon rates, security type and recent trading activity. Our investment personnel review documentation with respect to the pricing services’ pricing methodology that they obtain periodically to determine if the primary pricing sources, market inputs and pricing frequency for various security types are reasonable. At December 31, 2021, we received two estimates per security from the pricing services, and we priced substantially all of our Level 1 and Level 2 investments using those prices. In our review of the estimates the pricing services provided at December 31, 2021, we did not identify any material discrepancies, and we did not make any adjustments to the estimates the pricing services provided. We present our cash and short-term investments at estimated fair value. The carrying values in our balance sheet for premium receivables, reinsurance receivables related to paid losses and loss expenses and reinsurance balances payable approximate their fair values. The carrying amounts reported in the balance sheet for our subordinated debentures and borrowings under lines of credit approximate their fair values. We classify these items as Level 3. We evaluate our assets and liabilities on a regular basis to determine the appropriate level at which to classify them for each reporting period. Based on our review of the methodology and summary of inputs the pricing services use, we have concluded that our Level 1 and Level 2 investments were classified properly at December 31, 2021 and 2020. The following table presents our fair value measurements for our investments in available-for-sale fixed maturity and equity securities at December 31, 2021: Fair Value Measurements Using Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) U.S. Treasury securities and obligations of U.S. government corporations and agencies $ 32,184,626 $ — $ 32,184,626 $ — Obligations of states and political subdivisions 57,378,091 — 57,378,091 — Corporate securities 221,611,275 — 221,611,275 — Mortgage-backed securities 221,455,023 — 221,455,023 — Equity securities 63,419,973 61,130,385 2,289,588 — Total investments in the fair value hierarchy $ 596,048,988 $ 61,130,385 $ 534,918,603 $ — The following table presents our fair value measurements for our investments in available-for-sale fixed maturity and equity securities at December 31, 2020: Fair Value Measurements Using Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) U.S. Treasury securities and obligations of U.S. government corporations and agencies $ 47,814,712 $ — $ 47,814,712 $ — Obligations of states and political subdivisions 68,965,237 — 68,965,237 — Corporate securities 212,708,063 — 212,708,063 — Mortgage-backed securities 225,648,005 — 225,648,005 — Equity securities 58,556,173 54,152,085 4,404,088 — Total investments in the fair value hierarchy $ 613,692,190 $ 54,152,085 $ 559,540,105 $ —

Deferred Policy Acquisition Cos

Deferred Policy Acquisition Costs	12 Months Ended
	Dec. 31, 2021
Deferred Policy Acquisition Costs [Abstract]
Deferred Policy Acquisition Costs	6 - Deferred Policy Acquisition Costs Changes in our insurance subsidiaries’ deferred policy acquisition costs are as follows: 2021 2020 2019 Balance, January 1 $ 59,156,958 $ 59,284,859 $ 60,615,127 Acquisition costs deferred 137,604,415 118,944,099 121,112,732 Amortization charged to earnings (128,733,000 ) (119,072,000 ) (122,443,000 ) Balance, December 31 $ 68,028,373 $ 59,156,958 $ 59,284,859

Property and Equipment

Property and Equipment	12 Months Ended
	Dec. 31, 2021
Property and Equipment [Abstract]
Property and Equipment	7 - Property and Equipment Property and equipment at December 31, 2021 and 2020 consisted of the following: 2021 2020 Estimated Useful Life Office equipment $ 8,382,877 $ 8,809,344 3-15 years Automobiles 322,703 301,119 5 years Real estate 2,575,207 4,921,056 5-50 years Software 1,386,936 2,065,927 5 years 12,667,723 16,097,446 Accumulated depreciation (9,710,793 ) (11,707,069 ) $ 2,956,930 $ 4,390,377 Depreciation expense for 2021, 2020 and 2019 amounted to $208,641, $257,397 and $282,235, respectively. The reduction in real estate held at December 31, 2021 reflects the sale of several branch office facilities during 2021.

Liability for Losses and Loss E

Liability for Losses and Loss Expenses	12 Months Ended
	Dec. 31, 2021
Liability for Losses and Loss Expenses [Abstract]
Liability for Losses and Loss Expenses	8 - Liability for Losses and Loss Expenses The establishment of an appropriate liability for losses and loss expenses is an inherently uncertain process, and we can provide no assurance that our insurance subsidiaries’ ultimate liability will not exceed their loss and loss expense reserves and have an adverse effect on our results of operations and financial condition. For example, legislative, judicial and regulatory actions may expand coverage definitions, retroactively mandate coverage or otherwise require our insurance subsidiaries to pay losses for damages that their policies explicitly excluded or did not intend to cover. Furthermore, we cannot predict the timing, frequency and extent of adjustments to our insurance subsidiaries’ estimated future liabilities, because the historical conditions and events that serve as a basis for our insurance subsidiaries’ estimates of ultimate claim costs may change. As is the case for substantially all property and casualty insurance companies, our insurance subsidiaries have found it necessary in the past to increase their estimated future liabilities for losses and loss expenses in certain periods, and, in other periods, their estimates have exceeded their actual liabilities. Changes in our insurance subsidiaries’ estimate of their liability for losses and loss expenses generally reflect actual payments and their evaluation of information received since the prior reporting date. We summarize activity in our insurance subsidiaries’ liability for losses and loss expenses as follows: 2021 2020 2019 Balance at January 1 $ 962,007,437 $ 869,673,849 $ 814,665,224 Less reinsurance recoverable (404,818,480 ) (362,768,427 ) (339,267,525 ) Net balance at January 1 557,188,957 506,905,422 475,397,699 Incurred related to: Current year 551,917,571 472,709,060 519,319,941 Prior years (31,208,029 ) (12,944,767 ) (12,932,277 ) Total incurred 520,709,542 459,764,293 506,387,664 Paid related to: Current year 269,316,762 236,984,291 278,923,614 Prior years 182,222,742 172,496,467 195,956,327 Total paid 451,539,504 409,480,758 474,879,941 Net balance at December 31 626,358,995 557,188,957 506,905,422 Plus reinsurance recoverable 451,261,306 404,818,480 362,768,427 Balance at December 31 $ 1,077,620,301 $ 962,007,437 $ 869,673,849 Our insurance subsidiaries recognized a decrease in their liability for losses and loss expenses of prior years of $31.2 million, $12.9 million and $12.9 million in 2021, 2020 and 2019, respectively. Our insurance subsidiaries made no significant changes in their reserving philosophy or claims management personnel, and they have made no significant offsetting changes in estimates that increased or decreased their loss and loss expense reserves in those years. The 2021 development represented 5.6% of the December 31, 2020 net carried reserves and resulted primarily from lower-than-expected loss emergence in the personal automobile, workers’ compensation and commercial automobile lines of business for accident years prior to 2021. The majority of the 2021 development related to decreases in the liability for losses and loss expenses of prior years for Atlantic States and MICO. The 2020 development represented 2.6% of the December 31, 2019 net carried reserves and resulted primarily from lower-than-expected severity in the workers’ compensation and personal automobile lines of business, partially offset by higher-than-expected severity in the commercial automobile and commercial multi-peril lines of business, for accident years prior to 2020. The majority of the 2020 development related to decreases in the liability for losses and loss expenses of prior years for Atlantic States and MICO. The 2019 development represented 2.7% of the December 31, 2018 net carried reserves and resulted primarily from lower-than-expected severity in the workers’ compensation line of business, partially offset by higher-than-expected severity in the commercial automobile and commercial multi-peril lines of business, for accident years prior to 2019. The majority of the 2019 development related to decreases in the liability for losses and loss expenses of prior years for Atlantic States and MICO. Short-duration contracts are contracts for which our insurance subsidiaries receive premiums that they recognize as revenue over the period of the contract in proportion to the amount of insurance protection our insurance subsidiaries provide. Our insurance subsidiaries consider the policies they issue to be short-duration contracts. We consider our insurance subsidiaries’ material lines of business to be personal automobile, homeowners, commercial automobile, commercial multi-peril and workers’ compensation. Our insurance subsidiaries determine incurred but not reported (“IBNR”) reserves by subtracting the cumulative loss and loss expense amounts our insurance subsidiaries have paid and the case reserves our insurance subsidiaries have established at the balance sheet date from their actuaries’ estimate of the ultimate cost of losses and loss expenses. Accordingly, our insurance subsidiaries’ IBNR reserves include their actuaries’ projections of the cost of unreported claims as well as their actuaries’ projected development of case reserves on known claims and reopened claims. Our insurance subsidiaries’ methodology for estimating IBNR reserves has been in place for many years, and their actuaries made no significant changes to that methodology during 2021. The actuaries for our insurance subsidiaries generally prepare an initial estimate for ultimate losses and loss expenses for the current accident year by multiplying earned premium by an “ a priori The actuaries use a variety of actuarial methods to estimate the ultimate cost of losses and loss expenses. These methods include paid loss development, incurred loss development and the Bornhuetter-Ferguson method from which the actuaries select loss development factor assumptions. The actuaries base their selection of a point estimate on a judgmental weighting of estimates each of these methods produce. The actuaries consider loss frequency and severity trends when they develop expected loss ratios and point estimates. Loss frequency is a measure of the number of claims per unit of insured exposure, and loss severity is a measure of the average size of claims. Factors that affect loss frequency include changes in weather patterns or economic activity. Factors that affect loss severity include changes in policy limits, reinsurance retentions, inflation rates and judicial interpretations. Our insurance subsidiaries create a claim file when they receive notice of an actual demand for payment, an event that may lead to a demand for payment or when they otherwise determine that a demand for payment could potentially lead to a future demand for payment on another coverage under the same policy or another policy they have issued. In recent years, our insurance subsidiaries have noted an increase in the period of time between the occurrence of a casualty loss event and the date on which they receive notice of a liability claim. Changes in the length of time between the loss occurrence date and the claim reporting date affect the actuaries’ ability to accurately predict loss frequency and the amount of IBNR reserves our insurance subsidiaries require. Our insurance subsidiaries generally create a claim file for a policy at the claimant level by type of coverage and generally recognize one count for each claim event. In certain lines of business where it is common for multiple parties to claim damages arising from a single claim event, our insurance subsidiaries recognize one count for each claimant involved in the event. Atlantic States recognizes one count for each claim event, or claimant involved in a multiple-party claim event, related to losses Atlantic States assumes through its participation in its pooling agreement with Donegal Mutual. Our insurance subsidiaries accumulate the claim counts and report them by line of business. For purposes of the claim development tables we present below, our insurance subsidiaries count claims on policies they issue even if they eventually close such claims without making a loss payment. Claims our insurance subsidiaries close without making a loss payment typically generate loss expenses. The methods our insurance subsidiaries have used to summarize claim counts have not changed significantly over the time periods we report in the tables below. The following tables present information about incurred and paid claims development as of December 31, 2021, net of reinsurance, as well as cumulative claim frequency and the total of IBNR reserves plus expected development on reported claims that our insurance subsidiaries included within their net incurred claims amounts. The tables include unaudited information about incurred and paid claims development for the years ended December 31, 2012 through 2020, which we present as supplementary information. Personal Automobile At December 31, 2021 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31, Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Total IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims Unaudited (dollars and reported claims in thousands) 2012 $ 130,415 $ 133,201 $ 135,592 $ 136,493 $ 136,552 $ 136,463 $ 136,141 $ 136,677 $ 136,648 $ 136,542 $ 98 69 2013 124,965 130,737 131,594 132,643 132,604 132,934 132,853 132,690 132,787 106 66 2014 124,426 124,806 124,210 126,200 126,779 126,734 126,861 126,977 131 71 2015 137,569 139,333 139,181 142,493 142,408 142,073 142,010 293 70 2016 150,216 153,937 157,516 157,943 156,935 156,436 728 73 2017 166,690 127,728 175,939 174,784 173,730 1,328 79 2018 186,580 183,358 181,558 180,787 3,069 81 2019 161,056 157,689 156,300 5,151 68 2020 111,483 103,585 7,372 43 2021 119,364 20,654 45 Total $ 1,428,518 Personal Automobile Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Unaudited (in thousands) 2012 $ 87,517 $ 111,941 $ 124,652 $ 130,862 $ 133,428 $ 134,581 $ 135,132 $ 136,137 $ 136,165 $ 136,186 2013 84,241 109,051 120,118 125,946 130,026 131,326 131,642 132,215 132,300 2014 85,377 104,736 114,893 120,491 123,815 124,926 125,619 125,762 2015 93,611 116,303 128,395 135,027 139,121 140,028 140,892 2016 102,433 129,507 143,321 151,159 153,521 154,769 2017 111,964 142,372 159,879 166,099 169,190 2018 115,585 150,175 163,036 169,651 2019 103,101 127,187 141,004 2020 66,084 81,783 2021 76,477 Total 1,328,014 All outstanding liabilities before 2012, net of reinsurance 925 Liabilities for claims and claims adjustment expenses, net of reinsurance $ 101,429 Homeowners At December 31, 2021 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31, Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Total IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims Unaudited (dollars and reported claims in thousands) 2012 $ 53,962 $ 54,794 $ 54,468 $ 54,351 $ 54,281 $ 54,381 $ 54,523 $ 54,537 $ 54,548 $ 54,556 $ — 18 2013 50,887 51,121 51,122 50,874 50,988 50,971 51,008 51,064 51,053 — 13 2014 56,916 58,378 57,680 57,332 57,288 57,402 57,367 57,371 — 16 2015 63,359 63,925 63,053 63,071 63,099 62,993 63,043 19 13 2016 62,443 64,064 63,735 63,355 63,279 63,409 12 12 2017 79,283 79,911 79,305 79,247 79,065 144 17 2018 81,965 83,385 82,905 82,566 538 18 2019 73,294 73,554 73,234 912 16 2020 61,633 62,718 1,567 13 2021 67,677 6,208 11 Total $ 654,692 Homeowners Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31, Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Unaudited (in thousands) 2012 $ 46,566 $ 53,619 $ 54,028 $ 54,298 $ 54,317 $ 54,356 $ 54,557 $ 54,557 $ 54,553 $ 54,560 2013 40,949 49,410 50,210 50,478 51,043 50,902 50,967 50,965 50,955 2014 45,823 56,255 56,990 57,195 56,995 57,243 57,336 57,339 2015 51,885 61,542 62,204 62,590 62,844 62,943 62,936 2016 50,125 61,145 62,760 63,144 63,162 63,217 2017 67,077 77,663 78,006 78,127 78,454 2018 70,385 79,892 80,905 81,464 2019 58,074 69,145 70,416 2020 51,226 60,348 2021 52,161 Total 631,850 All outstanding liabilities before 2012, net of reinsurance 118 Liabilities for claims and claims adjustment expenses, net of reinsurance $ 22,960 Commercial Automobile At December 31, 2021 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31, Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Total IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims Unaudited (dollars and reported claims in thousands) 2012 $ 26,557 $ 27,720 $ 30,606 $ 31,435 $ 31,278 $ 31,648 $ 31,803 $ 31,896 $ 31,930 $ 31,922 $ 15 8 2013 32,902 33,749 34,751 35,240 36,404 36,435 36,569 36,181 36,165 53 8 2014 42,760 44,544 47,326 48,213 49,284 49,168 49,308 49,291 91 11 2015 46,526 48,323 51,412 54,259 54,517 54,619 53,793 234 12 2016 54,302 57,353 65,905 67,127 66,894 66,085 338 13 2017 61,484 67,927 67,697 67,249 65,310 895 13 2018 79,307 81,396 82,313 83,043 2,306 15 2019 88,864 91,245 90,290 7,365 16 2020 90,367 87,766 14,996 14 2021 109,824 41,282 14 Total $ 673,489 Commercial Automobile Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31, Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Unaudited (in thousands) 2012 $ 13,642 $ 20,240 $ 23,718 $ 27,417 $ 29,873 $ 30,402 $ 31,104 $ 31,228 $ 31,263 $ 31,507 2013 16,306 23,557 26,879 31,053 34,083 36,004 36,106 36,092 36,087 2014 22,707 31,089 39,436 44,374 47,290 48,418 48,603 48,714 2015 23,875 35,342 41,678 48,261 51,605 51,992 52,728 2016 27,033 38,237 48,837 57,237 60,485 64,421 2017 28,707 40,213 49,703 57,128 59,889 2018 33,862 47,941 57,451 69,487 2019 36,948 53,026 63,575 2020 31,884 46,459 2021 39,851 Total 512,718 All outstanding liabilities before 2012, net of reinsurance 46 Liabilities for claims and claims adjustment expenses, net of reinsurance $ 160,817 Commercial Multi-Peril At December 31, 2021 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31, Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Total IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims Unaudited (dollars and reported claims in thousands) 2012 $ 29,789 $ 30,716 $ 32,449 $ 34,117 $ 35,755 $ 36,214 $ 36,525 $ 36,876 $ 36,662 $ 36,844 $ — 6 2013 35,683 35,679 37,292 37,205 37,981 37,365 37,453 37,495 37,630 — 6 2014 48,204 50,135 51,843 52,336 53,294 53,116 52,926 52,933 79 7 2015 42,070 43,874 44,728 45,104 45,873 45,366 45,420 135 6 2016 43,005 46,988 48,267 48,871 48,732 48,823 373 6 2017 56,185 56,043 56,517 54,812 55,076 674 7 2018 66,265 66,470 67,749 67,810 3,653 7 2019 71,865 73,836 76,326 8,159 7 2020 83,195 79,910 15,880 8 2021 116,827 37,194 6 Total $ 617,599 Commercial Multi-Peril Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31, Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Unaudited (in thousands) 2012 $ 16,666 $ 23,384 $ 26,634 $ 29,370 $ 33,327 $ 35,331 $ 35,909 $ 36,329 $ 36,399 $ 36,529 2013 19,875 26,216 29,159 33,614 35,104 36,321 37,333 37,436 37,488 2014 27,920 35,520 40,936 47,021 50,017 51,615 52,103 52,252 2015 21,837 29,419 34,323 39,162 42,849 44,090 44,439 2016 19,660 29,402 34,612 41,193 43,435 44,944 2017 27,399 36,926 42,691 46,361 49,488 2018 30,597 42,296 48,050 54,913 2019 28,210 41,266 47,522 2020 34,729 46,193 2021 46,768 Total 460,536 All outstanding liabilities before 2012, net of reinsurance 531 Liabilities for claims and claims adjustment expenses, net of reinsurance $ 157,594 Workers’ Compensation At December 31, 2021 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Total IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims Unaudited (dollars and reported claims in thousands) 2012 $ 39,142 $ 39,516 $ 38,827 $ 37,926 $ 37,163 $ 36,468 $ 35,954 $ 35,932 $ 36,014 $ 36,056 $ 39 5 2013 46,325 47,027 44,289 42,828 42,327 42,555 42,651 42,341 42,427 70 6 2014 51,508 51,553 49,288 48,537 47,540 47,693 47,849 47,620 68 6 2015 53,332 49,615 45,991 44,986 43,006 42,597 42,225 328 5 2016 58,814 49,802 47,883 44,969 44,098 43,559 532 5 2017 60,450 56,351 52,687 51,464 49,557 1,461 5 2018 62,197 55,291 52,514 47,912 2,171 6 2019 60,998 59,624 57,728 3,474 6 2020 57,172 57,850 5,494 5 2021 67,035 21,111 6 Total $ 491,969 Workers’ Compensation Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31, Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Unaudited (in thousands) 2012 $ 11,097 $ 22,963 $ 28,812 $ 31,244 $ 33,196 $ 34,177 $ 34,460 $ 34,622 $ 34,691 $ 34,973 2013 13,052 26,043 32,783 36,351 38,877 39,617 40,361 40,827 41,209 2014 13,932 28,513 36,284 40,393 42,465 43,866 44,403 44,671 2015 13,071 27,531 34,192 36,929 37,936 38,596 39,096 2016 14,709 30,344 37,178 40,570 41,208 41,543 2017 15,581 31,990 39,684 42,954 44,242 2018 17,644 31,928 37,072 41,611 2019 16,939 33,009 41,740 2020 14,591 32,817 2021 20,931 Total 382,833 All outstanding liabilities before 2012, net of reinsurance 4,643 Liabilities for claims and claims adjustment expenses, net of reinsurance $ 113,779 The following table presents a reconciliation of the net incurred and paid claims development tables to the liability for claims and claims adjustment expenses in our consolidated balance sheet: At December 31, (in thousands) 2021 Net outstanding liabilities: Personal automobile $ 101,429 Homeowners 22,960 Commercial automobile 160,817 Commercial multi-peril 157,593 Workers ’ 113,779 Other 24,953 581,531 Reinsurance recoverable: Personal automobile $ 110,925 Homeowners 13,200 Commercial automobile 107,037 Commercial multi-peril 98,848 Workers ’ 92,352 Other 6,616 428,978 Unallocated loss adjustment expenses $ 67,111 Gross liability for unpaid losses and loss expenses $ 1,077,620 The following table presents supplementary information about average historical claims duration as of December 31, 2021: Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 10 Personal automobile 64.8 % 16.9 % 8.6 % 4.3 % 2.3 % 0.8 % 0.4 % 0.4 % — % — % Homeowners 81.5 15.0 1.3 0.5 0.3 0.1 0.2 — — — Commercial automobile 41.7 18.3 12.8 12.0 6.2 3.2 1.1 0.2 — 0.8 Commercial multi-peril 45.4 16.9 9.4 10.2 6.5 3.5 1.5 0.6 0.2 0.4 Workers’ compensation 31.0 31.8 15.2 7.7 3.7 1.9 1.2 0.7 0.5 0.8

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2021
Borrowings [Abstract]
Borrowings	9 - Borrowings Lines of Credit In August 2020, we entered into a credit agreement with Manufacturers and Traders Trust Company (“M&T”) that related to a $20.0 million unsecured demand line of credit. The line of credit has no expiration date, no annual fees and no covenants. At December 31, 2021, we had no outstanding borrowings from M&T and had the ability to borrow up to $20.0 million at interest rates equal to the then-current LIBOR rate plus 2.00%. Atlantic States is a member of the FHLB of Pittsburgh. Through its membership, Atlantic States has the ability to issue debt to the FHLB of Pittsburgh in exchange for cash advances. Atlantic States has a fixed-rate cash advance of $35.0 million that was outstanding at December 31, 2021. The cash advance carries a fixed interest rate of 1.74% and is due in August 2024 March 2021 The table below presents the amount of FHLB of Pittsburgh stock Atlantic States purchased, collateral pledged and assets related to Atlantic States’ membership in the FHLB of Pittsburgh at December 31, 2021. FHLB stock purchased and owned as part of the agreement $ 1,575,600 Collateral pledged, at par (carrying value $ 43,486,897 43,074,486 Borrowing capacity currently available 6,913,889 Subordinated Debentures In September 2021, upon receipt of approval from the Michigan Department of Insurance and Financial Services, MICO repaid in full the $5.0 million surplus note held previously by Donegal Mutual, along with accrued interest of $178,082.

Reinsurance

Reinsurance	12 Months Ended
	Dec. 31, 2021
Reinsurance [Abstract]
Reinsurance	10 - Reinsurance Unaffiliated Reinsurers Our insurance subsidiaries and Donegal Mutual participate in a consolidated third-party reinsurance program, for which the coverage and parameters are common to all of our insurance subsidiaries and Donegal Mutual. The program utilizes several different reinsurers, all of which have an A.M. Best rating of A- (Excellent) or better or, with respect to foreign reinsurers, have a financial condition that, in the opinion of our management, is equivalent to a company with at least an A- rating from A.M. Best. The following information describes the external reinsurance Donegal Mutual and our insurance subsidiaries had in place for 2021: • excess of loss reinsurance, under which Donegal Mutual and our insurance subsidiaries recovered losses over a set retention of $2.0 million; and • catastrophe reinsurance, under which Donegal Mutual and our insurance subsidiaries recovered 100% of an accumulation of many losses resulting from a single event, including natural disasters, over a set retention of $15.0 million up to aggregate losses of $185.0 million per occurrence. As many as 31 reinsurers provided coverage for 2021 on any one treaty with no reinsurer taking more than 20% of any one treaty. In order to write automobile insurance in the State of Michigan, MICO is required to be a member of the Michigan Catastrophic Claims Association (“MCCA”). The MCCA provides reinsurance to MICO for personal automobile and commercial automobile personal injury claims in the state of Michigan over a set retention. In November 2021, the MCCA approved the return of approximately $3.0 billion of its estimated surplus to its member insurance companies and provided guidance to those companies with respect to the payment of refunds to Michigan policyholders in the first half of 2022. We recorded a receivable from the MCCA and a corresponding payable for cash refunds due to Michigan policyholders in the amount of $18.1 million on our balance sheet as of December 31, 2021. In addition to the pooling agreement and third-party reinsurance, our insurance subsidiaries had a catastrophe reinsurance agreement with Donegal Mutual, under which each of our insurance subsidiaries recovered 100% of an accumulation of multiple losses resulting from a single event, including natural disasters, over a set retention of $2.0 million up to aggregate losses of $13.0 million per occurrence. The agreement also provided additional coverage for an accumulation of losses from a single event including a combination of our insurance subsidiaries over a combined retention of $5.0 million. Our insurance subsidiaries and Donegal Mutual also purchased facultative reinsurance to cover certain exposures, including property exposures in excess of the covered limits of their respective treaty reinsurance. The following amounts represent ceded reinsurance transactions with unaffiliated reinsurers during 2021, 2020 and 2019: 2021 2020 2019 Premiums written $ 38,173,733 $ 34,165,635 $ 36,941,997 Premiums earned 37,984,833 35,358,765 39,732,282 Losses and loss expenses 29,999,528 9,835,268 33,615,819 Prepaid reinsurance premiums 6,063,759 5,874,859 7,067,989 Liability for losses and loss expenses 138,909,584 133,158,907 139,694,097 Total Reinsurance The following amounts represent total ceded reinsurance transactions with both affiliated and unaffiliated reinsurers during 2021, 2020 and 2019: 2021 2020 2019 Premiums earned $ 399,284,886 $ 356,669,937 $ 314,859,014 Losses and loss expenses 282,083,985 231,771,575 240,241,845 Prepaid reinsurance premiums 176,935,842 169,418,333 142,475,767 Liability for losses and loss expenses 451,261,306 404,818,480 362,768,427 The following amounts represent the effect of reinsurance on premiums written for 2021, 2020 and 2019: 2021 2020 2019 Direct $ 609,204,706 $ 586,681,839 $ 589,572,526 Assumed 601,864,198 539,070,557 485,233,762 Ceded (406,802,395 ) (383,612,503 ) (322,204,999 ) Net premiums written $ 804,266,509 $ 742,139,893 $ 752,601,289 The following amounts represent the effect of reinsurance on premiums earned for 2021, 2020 and 2019: 2021 2020 2019 Direct $ 601,408,581 $ 584,537,580 $ 591,101,804 Assumed 573,891,506 514,172,696 479,835,610 Ceded (399,284,886 ) (356,669,937 ) (314,859,014 ) Net premiums earned $ 776,015,201 $ 742,040,339 $ 756,078,400 Percentage of assumed premiums earned to net premiums earned 74.0 % 69.3 % 63.5 %

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2021
Income Taxes [Abstract]
Income Taxes	11 - Income Taxes Our provision for income tax expense for 2021, 2020 and 2019 consisted of the following: 2021 2020 2019 Current federal income tax $ 3,998,431 $ 10,450,803 $ 8,454,358 Deferred federal income tax 1,085,903 6,448 649,928 Federal income tax expense $ 5,084,334 $ 10,457,251 $ 9,104,286 Pennsylvania income tax — — 825,000 Income tax expense $ 5,084,334 $ 10,457,251 $ 9,929,286 Our effective tax rate is different from the amount computed at the statutory federal rate of 21%. The reasons for such difference and the related tax effects are as follows: 2021 2020 2019 Income before income tax expense $ 30,338,508 $ 63,272,503 $ 57,081,030 Computed “expected” taxes 6,371,087 13,287,226 11,987,016 Tax-exempt interest (1,491,154 ) (1,468,806 ) (1,325,197 ) Proration 401,717 395,663 357,044 Dividends received deduction (115,713 ) (113,845 ) (1,913,238 ) Net operating loss carryback — (1,640,084 ) — Tax benefit on exercise of options (438,850 ) (302,901 ) (64,765 ) Other, net 357,247 299,998 236,676 Pennsylvania income tax, net of federal benefit — — 651,750 Income tax expense $ 5,084,334 $ 10,457,251 $ 9,929,286 The tax effects of temporary differences that give rise to significant portions of our deferred tax assets and deferred tax liabilities at December 31, 2021 and 2020 are as follows: 2021 2020 Deferred tax assets: Unearned premium $ 16,674,502 $ 15,481,602 Loss reserves 9,568,677 8,808,342 Net operating loss carryforward 25,174 104,041 Net state operating loss carryforward - DGI Parent 7,865,563 7,850,334 Other 1,859,687 2,342,967 Total gross deferred tax assets 35,993,603 34,587,286 Less valuation allowance (7,865,563 ) (7,850,334 ) Net deferred tax assets 28,128,040 26,736,952 Deferred tax liabilities: Deferred policy acquisition costs 14,285,958 12,422,961 Loss reserve transition adjustment 1,148,529 1,440,793 Other 6,007,934 7,190,085 Total gross deferred tax liabilities 21,442,421 21,053,839 Net deferred tax asset $ 6,685,619 $ 5,683,113 Our income tax expense for 2020 included a $1.6 million income tax benefit related to the carryback of 2018 net operating losses to past tax years with higher statutory income tax rates than are currently in effect, as allowed under the Coronavirus Aid, Relief and Economic Security Act that was enacted in March 2020. We provide a valuation allowance when we believe it is more likely than not that we will not realize some portion of a deferred tax asset. At December 31, 2021 and 2020, we established a valuation allowance of $7.9 million for the net state operating loss carryforward of DGI. We determined that we were not required to establish a valuation allowance for the other net deferred tax assets of $28.1 million and $26.7 million at December 31, 2021 and 2020, respectively, since it is more likely than not that we will realize these deferred tax assets through reversals of existing temporary differences, future taxable income and our implementation of tax-planning strategies. Tax years 2016 2021

Stockholders' Equity

Stockholders' Equity	12 Months Ended
	Dec. 31, 2021
Stockholders' Equity [Abstract]
Stockholders' Equity	12 - Stockholders’ Equity Each share of our Class A common stock outstanding at the time of the declaration of any dividend or other distribution payable in cash upon the shares of our Class B common stock is entitled to a dividend or distribution payable at the same time and to stockholders of record on the same date in an amount at least 10% greater than any dividend declared upon each share of our Class B common stock. In the event of our merger or consolidation with or into another entity, the holders of our Class A common stock and the holders of our Class B common stock are entitled to receive the same per share consideration in such merger or consolidation. In the event of our liquidation, dissolution or winding-up, any assets available to common stockholders will be distributed pro-rata to the holders of our Class A common stock and our Class B common stock after payment of all of our obligations. On July 18, 2013, our board of directors authorized a share repurchase program pursuant to which we have the authority to purchase up to 500,000 additional shares of our Class A common stock at prices prevailing from time to time in the open market subject to the provisions of the SEC Rule 10b-18 and in privately negotiated transactions. We did not purchase any shares of our Class A common stock under this program during 2021, 2020 or 2019. We have purchased a total of 57,658 shares of our Class A common stock under this program from its inception through December 31, 2021. At December 31, 2021 and 2020, our treasury stock consisted of 3,002,588 and 72,465 shares of Class A common stock and Class B common stock, respectively.

Stock Compensation Plans

Stock Compensation Plans	12 Months Ended
	Dec. 31, 2021
Stock Compensation Plans [Abstract]
Stock Compensation Plans	13 - Stock Compensation Plans Equity Incentive Plans Since 1996, we have maintained an Equity Incentive Plan for Employees. During 2019, we adopted a plan that made a total of 4,500,000 shares of Class A common stock available for issuance to employees of our subsidiaries and affiliates. The plan provides for the granting of awards by our board of directors in the form of stock options, stock appreciation rights, restricted stock or any combination of the above. The plan provides that stock options may become exercisable up to five years from their date of grant, with an option price not less than fair market value on the date preceding the date of grant. We have not granted any stock appreciation rights. Since 1996, we have maintained an Equity Incentive Plan for Directors. During 2019, we adopted a plan that made 500,000 shares of Class A common stock available for issuance to our directors and the directors of our subsidiaries and affiliates.We may make awards in the form of stock options. The plan also provides for the issuance of 500 shares of restricted stock on the first business day of January in each year to each of our directors and each director of Donegal Mutual who does not serve as one of our directors. We issued 10,000 shares of restricted stock on January 4, 2021 under our director plan. We issued 8,500 shares of restricted stock on January 2, 2020 under our director plan. We issued 8,500 shares of restricted stock on January 2, 2019 under our prior director plan. No further shares are available for future option grants for plans in effect prior to 2019. We measure all share-based payments to employees, including grants of employee stock options, using a fair-value-based method and record such expense in our results of operations. In determining the expense we record for stock options granted to directors and employees of our subsidiaries and affiliates, we estimate the fair value of each option award on the date of grant using the Black-Scholes option pricing model. The significant assumptions we utilize in applying the Black-Scholes option pricing model are the risk-free interest rate, expected term, dividend yield and expected volatility. The risk-free interest rate is the implied yield currently available on U.S. Treasury zero coupon issues with a remaining term equal to the expected term used as the assumption in the model. We base the expected term of an option award on our historical experience for similar awards. We determine the dividend yield by dividing the per share dividend by the grant date stock price. We base the expected volatility on the volatility of our stock price over a historical period comparable to the expected term. The weighted-average grant date fair value of options we granted during 2021 was $1.21. We calculated this fair value based upon a risk-free interest rate of 0.91%, an expected life of three years, an expected volatility of 20% and an expected dividend yield of 4%. The weighted-average grant date fair value of options we granted during 2020 was $1.15. We calculated this fair value based upon a risk-free interest rate of 0.20%, an expected life of three years, an expected volatility of 20% and an expected dividend yield of 4%. The weighted-average grant date fair value of options we granted during 2019 was $1.15. We calculated this fair value based upon a risk-free interest rate of 1.64%, an expected life of three years, an expected volatility of 17% and an expected dividend yield of 4%. We charged compensation expense for our stock compensation plans against income before income taxes of $965,701, $1.1 million and $1.4 million for the years ended December 31, 2021, 2020 and 2019, respectively, with a corresponding income tax benefit of $202,797, $229,698 and $288,901. At December 31, 2021 and 2020, our total unrecognized compensation cost related to non-vested share-based compensation granted under our stock compensation plans was $1.5 million and $1.6 million, respectively. We expect to recognize this cost over a weighted average period of 1.9 years. During 2021, we received cash from option exercises under all stock compensation plans of $12.3 million. We realized actual tax benefits for the tax deductions from option exercises of share-based compensation of $438,850 for 2021. During 2020, we received cash from option exercises under all stock compensation plans of $17.5 million. We realized actual tax benefits for the tax deductions from option exercises of share-based compensation of $302,901 for 2020. During 2019, we received cash from option exercises under all stock compensation plans of $2.9 million. We realized actual tax benefits for the tax deductions from option exercises of share-based compensation of $64,765 for 2019. Information regarding activity in our stock option plans follows: Number of Options Weighted-Average Exercise Price Per Share Outstanding at December 31, 2018 10,024,862 $ 15.09 Granted - 2019 1,045,400 14.97 Exercised - 2019 (217,498 ) 13.23 Forfeited - 2019 (416,774 ) 15.88 Outstanding at December 31, 2019 10,435,990 15.09 Granted - 2020 935,099 14.45 Exercised - 2020 (1,294,606 ) 13.52 Forfeited - 2020 (303,908 ) 15.23 Expired - 2020 (78,223 ) $ 13.64 Outstanding at December 31, 2020 9,694,352 $ 15.24 Granted - 2021 906,500 14.39 Exercised - 2021 (946,646 ) 13.00 Forfeited - 2021 (404,664 ) 15.69 Expired - 2021 (1,139,816 ) $ 16.40 Outstanding at December 31, 2021 8,109,726 $ 15.22 Exercisable at: December 31, 2019 8,449,389 $ 15.13 December 31, 2020 7,786,934 $ 15.42 December 31, 2021 6,297,849 $ 15.43 Shares available for future option grants at December 31, 2021 totaled 2.2 million shares under all plans. The following table summarizes information about stock options outstanding at December 31, 2021: Grant Date Exercise Price Number of Options Outstanding Weighted-Average Remaining Contractual Life Number of Options Exercisable December 20, 2012 14.50 874,014 1.0 years 874,014 December 19, 2013 15.90 1,784,970 2.0 years 1,784,970 December 18, 2014 15.80 1,116,965 3.0 years 1,116,965 December 21, 2017 17.60 735,700 1.0 years 735,700 December 20, 2018 13.69 824,877 2.0 years 824,877 March 4, 2019 13.51 10,000 2.2 years 10,000 December 19, 2019 14.98 986,100 3.0 years 657,393 December 17, 2020 14.43 871,800 4.0 years 290,597 January 4, 2021 14.07 10,000 4.0 years 3,333 December 16, 2021 14.39 895,300 5.0 years — Total 8,109,726 6,297,849 Employee Stock Purchase Plan Since 1996, we have maintained an Employee Stock Purchase Plan. During 2011, we adopted a plan that made 300,000 shares of our Class A common stock available for issuance, which we amended in 2019 to make 500,000 shares of our Class A common stock available for issuance. The 2011 plan expired during 2021. During 2021, we adopted a new plan that made 500,000 shares of our Class A common stock available for issuance and extends over a 10-year period. The plan provides for shares to be offered to all eligible employees at a purchase price equal to the lesser of 85%of the fair market value of our Class A common stock on the last day before the first day of each enrollment period (June 1 and December 1 of each year) under the plan or 85% of the fair market value of our Class A common stock on the last day of each subscription period (June 30 and December 31 of each year). A summary of plan activity follows: Shares Issued Price Shares January 1, 2019 11.60 24,834 July 1, 2019 12.24 22,926 January 1, 2020 12.28 20,424 July 1, 2020 12.09 22,662 January 1, 2021 11.96 23,336 July 1, 2021 11.88 24,619 On January 1, 2022, we issued 24,907 shares at a price of $12.15 per share under this plan. Agency Stock Purchase Plan Since 1996, we have maintained an Agency Stock Purchase Plan. During 2018, we adopted a plan that made 350,000 shares of our Class A common stock available for issuance to agents of our insurance subsidiaries and Donegal Mutual. During 2021, we amended the 2018 plan to make 400,000 shares of our Class A common stock available for issuance. The 2018 plan expired in 2021. During 2021, we adopted a new plan that made 500,000 shares of our Class A common stock available for issuance to agents of our insurance subsidiaries and Donegal Mutual. The plan permits an agent to invest up to $12,000 per subscription period (April 1 to September 30 and October 1 to March 31 of each year) under various methods. We issue stock at the end of each subscription period at a price equal to 90% of the average market price during the last ten

Statutory Net Income, Capital a

Statutory Net Income, Capital and Surplus and Dividend Restrictions	12 Months Ended
	Dec. 31, 2021
Statutory Net Income, Capital and Surplus and Dividend Restrictions [Abstract]
Statutory Net Income, Capital and Surplus and Dividend Restrictions	14 - Statutory Net Income, Capital and Surplus and Dividend Restrictions The following table presents selected information, as filed with state insurance regulatory authorities, for our insurance subsidiaries as determined in accordance with accounting practices prescribed or permitted by such insurance regulatory authorities: 2021 2020 2019 Atlantic States: Statutory capital and surplus $ 278,883,189 $ 279,796,696 $ 259,030,868 Statutory unassigned surplus 174,073,348 175,777,393 155,909,822 Statutory net (loss) income (7,417,845 ) 20,735,871 22,282,231 Southern: Statutory capital and surplus 64,238,221 57,142,228 54,405,568 Statutory unassigned surplus (deficit) 7,330,382 300,409 (2,375,794 ) Statutory net income 6,927,576 4,350,677 5,061,477 Peninsula: Statutory capital and surplus 47,867,789 49,285,069 39,244,570 Statutory unassigned surplus 29,558,589 30,975,869 20,936,805 Statutory net income 3,536,404 10,955,796 7,360,378 MICO: Statutory capital and surplus 75,197,207 72,183,575 65,768,590 Statutory unassigned surplus 53,201,571 45,247,698 38,910,008 Statutory net income 7,704,417 12,240,173 9,976,610 Our principal source of cash for payment of dividends is dividends from our insurance subsidiaries. State insurance laws require our insurance subsidiaries to maintain certain minimum capital and surplus amounts on a statutory basis. Our insurance subsidiaries are subject to regulations that restrict the payment of dividends from statutory surplus and may require prior approval of their domiciliary insurance regulatory authorities. Our insurance subsidiaries are also subject to risk-based capital (“RBC”) requirements that may further impact their ability to pay dividends. Our insurance subsidiaries’ statutory capital and surplus at December 31, 2021 exceeded the amount of statutory capital and surplus necessary to satisfy regulatory requirements, including the RBC requirements, by a significant margin. Amounts available for distribution to us as dividends from our insurance subsidiaries without prior approval of insurance regulatory authorities in 2022 are approximately $27.9 million from Atlantic States, $6.9 million from Southern, $4.8 million from Peninsula and $7.7 million from MICO, or a total of approximately $47.3 million.

Reconciliation of Statutory Fil

Reconciliation of Statutory Filings to Amounts Reported in the Consolidated Financial Statements	12 Months Ended
	Dec. 31, 2021
Reconciliation of Statutory Filings to Amounts Reported in the Consolidated Financial Statements [Abstract]
Reconciliation of Statutory Filings to Amounts Reported in the Consolidated Financial Statements	15 - Reconciliation of Statutory Filings to Amounts Reported in the Consolidated Financial Statements Our insurance subsidiaries must file financial statements with state insurance regulatory authorities using accounting principles and practices prescribed or permitted by those authorities. We refer to these accounting principles and practices as statutory accounting principles (“SAP”). Accounting principles used to prepare these SAP financial statements differ from those used to prepare financial statements on the basis of GAAP. Reconciliations of statutory net income and capital and surplus, as determined using SAP, to the net income and stockholders’ equity amounts included in the accompanying consolidated financial statements are as follows: Year Ended December 31, 2021 2020 2019 Statutory net income of insurance subsidiaries $ 10,750,552 $ 48,282,517 $ 44,680,696 Increases (decreases): Deferred policy acquisition costs 8,871,415 (127,901 ) (1,330,268 ) Deferred federal income taxes (1,085,903 ) (6,448 ) 639,284 Salvage and subrogation recoverable 2,551,800 713,400 207,000 Consolidating eliminations and adjustments (18,769 ) (9,516,984 ) (11,048,314 ) Parent-only net income 4,185,079 13,470,668 14,003,346 Net income $ 25,254,174 $ 52,815,252 $ 47,151,744 December 31, 2021 2020 2019 Statutory capital and surplus of insurance subsidiaries $ 466,186,406 $ 458,407,568 $ 418,449,596 Increases (decreases): Deferred policy acquisition costs 68,028,373 59,156,958 59,284,859 Deferred federal income taxes (21,294,388 ) (18,586,428 ) (15,477,843 ) Salvage and subrogation recoverable 23,510,400 20,958,600 20,245,200 Non-admitted assets and other adjustments, net 929,862 1,315,378 1,727,754 Fixed maturities 5,958,434 15,309,610 (326,795 ) Parent-only equity and other adjustments (12,283,000 ) (18,787,566 ) (32,887,252 ) Stockholders’ equity $ 531,036,087 $ 517,774,120 $ 451,015,519

Supplementary Cash Flow Informa

Supplementary Cash Flow Information	12 Months Ended
	Dec. 31, 2021
Supplementary Cash Flow Information
Supplementary Cash Flow Information	16 - Supplementary Cash Flow Information The following table reflects net income taxes we paid (recovered) and interest we paid during 2021, 2020 and 2019: 2021 2020 2019 Income taxes $ 6,200,000 $ 12,800,000 $ (9,827,433 ) Interest 1,150,211 1,191,800 321,585

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2021
Earnings Per Share [Abstract]
Earnings Per Share	17 - Earnings Per Share We have two classes of common stock, which we refer to as Class A common stock and Class B common stock. Our Class A common stock is entitled to be paid cash dividends that are at least 10% higher than the cash dividends we pay on our Class B common stock. Accordingly, we use the two-class method for the computation of earnings per common share. The two-class method is an earnings allocation formula that determines earnings per share separately for each class of common stock based on dividends declared and an allocation of remaining undistributed earnings using a participation percentage reflecting the dividend rights of each class. We present below a reconciliation of the numerators and denominators we used in the basic and diluted per share computations for our Class A common stock: Year Ended December 31, (in thousands) 2021 2020 2019 Basic earnings per share: Numerator: Allocation of net income $ 21,131 $ 43,609 $ 38,718 Denominator: Weighted-average shares outstanding 25,388 23,707 22,986 Basic earnings per share $ 0.83 $ 1.84 $ 1.68 Diluted earnings per share: Numerator: Allocation of net income $ 21,131 $ 43,609 $ 38,718 Denominator: Number of shares used in basic computation 25,388 23,707 22,986 Weighted-average effect of dilutive securities Add: Director and employee stock options 146 180 211 Number of shares used in per share computations 25,534 23,887 23,197 Diluted earnings per share $ 0.83 $ 1.83 $ 1.67 We used the following information in the basic and diluted per share computations for our Class B common stock: Year Ended December 31, (in thousands) 2021 2020 2019 Basic and diluted earnings per share: Numerator: Allocation of net income $ 4,123 $ 9,206 $ 8,434 Denominator: Weighted-average shares outstanding 5,577 5,577 5,577 Basic and diluted earnings per share $ 0.74 $ 1.65 $ 1.51 During 2021, we did not include options to purchase 3,637,635 shares of our Class A common stock in the computation of diluted earnings per share because the exercise price of the options was greater than the average market price of our Class A common stock.

Condensed Financial Information

Condensed Financial Information of Parent Company	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information of Parent Company [Abstract]
Condensed Financial Information of Parent Company	18 - Condensed Financial Information of Parent Company Condensed Balance Sheets (in thousands) December 31, 2021 2020 Assets Investment in subsidiaries/affiliates (equity method) $ 554,804 $ 540,665 Short-term investments 9 9 Cash 14,375 15,321 Property and equipment 716 833 Other 2,455 1,721 Total assets $ 572,359 $ 558,549 Liabilities and Stockholders’ Equity Liabilities Cash dividends declared to stockholders $ 4,915 $ 4,436 Notes payable to subsidiary 35,000 35,000 Other 1,408 1,339 Total liabilities 41,323 40,775 Stockholders’ equity 531,036 517,774 Total liabilities and stockholders’ equity $ 572,359 $ 558,549 Condensed Statements of Income and Comprehensive Income (in thousands) Year Ended December 31, 2021 2020 2019 Statements of Income Revenues Dividends from subsidiaries $ 5,000 $ 14,000 $ 4,000 Realized investment gains — — 12,378 Other 481 463 1,009 Total revenues 5,481 14,463 17,387 Expenses Operating expenses 1,223 1,258 1,420 Interest 787 794 1,327 Total expenses 2,010 2,052 2,747 Income before income tax (benefit) expense and equity in undistributed net income of subsidiaries 3,471 12,411 14,640 Income tax (benefit) expense (714 ) (1,059 ) 636 Income before equity in undistributed net income of subsidiaries 4,185 13,470 14,004 Equity in undistributed net income of subsidiaries 21,069 39,345 33,148 Net income $ 25,254 $ 52,815 $ 47,152 Statements of Comprehensive Income Net income $ 25,254 $ 52,815 $ 47,152 Other comprehensive (loss) income, net of tax Unrealized (loss) gain - subsidiaries (7,847 ) 10,627 14,732 Other comprehensive (loss) income, net of tax (7,847 ) 10,627 14,732 Comprehensive income $ 17,407 $ 63,442 $ 61,884 Condensed Statements of Cash Flows (in thousands) Year Ended December 31, 2021 2020 2019 Cash flows from operating activities: Net income $ 25,254 $ 52,815 $ 47,152 Adjustments: Equity in undistributed net income of subsidiaries (21,069 ) (39,345 ) (33,148 ) Realized investment gains — — (12,378 ) Other (536 ) (5,615 ) 490 Net adjustments (21,605 ) (44,960 ) (45,036 ) Net cash provided 3,649 7,855 2,116 Cash flows from investing activities: Net sale (purchases) of short-term investments — 2,493 (2,473 ) Net purchase of property and equipment (13 ) (18 ) (150 ) Sale of DFSC — — 33,923 Sale of equity securities - available for sale — — 20,287 Investment in subsidiaries (916 ) (1,037 ) (18,283 ) Net cash (used) received (929 ) 1,438 33,304 Cash flows from financing activities: Cash dividends paid (19,099 ) (16,976 ) (16,093 ) Issuance of common stock 15,433 20,654 6,481 Payments on lines of credit — — (25,000 ) Net cash (used) received (3,666 ) 3,678 (34,612 ) Net change in cash (946 ) 12,971 808 Cash at beginning of year 15,321 2,350 1,542 Cash at end of year $ 14,375 $ 15,321 $ 2,350

Segment Information

Segment Information	12 Months Ended
	Dec. 31, 2021
Segment Information [Abstract]
Segment Information	19 - Segment Information We have three reportable segments, which consist of our investment function, our commercial lines of insurance and our personal lines of insurance. Using independent agents, our insurance subsidiaries market commercial lines of insurance to small and medium-sized businesses and personal lines of insurance to individuals. We evaluate the performance of the commercial lines and personal lines primarily based upon our insurance subsidiaries’ underwriting results as determined under SAP for our total business. We do not allocate assets to the commercial and personal lines and review the two segments in total for purposes of decision-making. We operate only in the United States, and no single customer or agent provides 10 percent or more of our revenues. Financial data by segment is as follows: 2021 2020 2019 (in thousands) Revenues: Premiums earned: Commercial lines $ 468,433 $ 412,877 $ 385,465 Personal lines 307,582 329,163 370,613 GAAP premiums earned 776,015 742,040 756,078 Net investment income 31,126 29,504 29,515 Investment gains 6,477 2,778 21,985 Equity in earnings of DFSC — — 295 Other 2,848 3,497 4,578 Total revenues $ 816,466 $ 777,819 $ 812,451 2021 2020 2019 (in thousands) Income before income taxes: Underwriting (loss) income: Commercial lines $ (35,174 ) $ (858 ) $ 8,404 Personal lines 17,235 31,764 (1,617 ) SAP underwriting (loss) income (17,939 ) 30,906 6,787 GAAP adjustments 9,945 (959 ) (3,079 ) GAAP underwriting (loss) income (7,994 ) 29,947 3,708 Net investment income 31,126 29,504 29,515 Investment gains 6,477 2,778 21,985 Equity in earnings of DFSC — — 295 Other 730 1,043 1,578 Income before income taxes $ 30,339 $ 63,272 $ 57,081

Guaranty Fund and Other Insuran

Guaranty Fund and Other Insurance-Related Assessments	12 Months Ended
	Dec. 31, 2021
Guaranty Fund and Other Insurance-Related Assessments [Abstract]
Guaranty Fund and Other Insurance-Related Assessments	20 - Guaranty Fund and Other Insurance-Related Assessments Our insurance subsidiaries’ liabilities for guaranty fund and other insurance-related assessments were $1.7 million and $1.6 million at December 31, 2021 and 2020, respectively. These liabilities included $602,523 and $485,322 related to surcharges collected by our insurance subsidiaries on behalf of regulatory authorities for 2021 and 2020, respectively.

SCHEDULE III - SUPPLEMENTARY IN

SCHEDULE III - SUPPLEMENTARY INSURANCE INFORMATION	12 Months Ended
	Dec. 31, 2021
SCHEDULE III - SUPPLEMENTARY INSURANCE INFORMATION [Abstract]
SCHEDULE III - SUPPLEMENTARY INSURANCE INFORMATION	DONEGAL GROUP INC. AND SUBSIDIARIES SCHEDULE III — SUPPLEMENTARY INSURANCE INFORMATION Years Ended December 31, 2021, 2020 and 2019 ($ in thousands) Segment Net Premiums Earned Net Investment Income Net Losses and Loss Expenses Amortization of Deferred Policy Acquisition Costs Other Underwriting Expenses Net Premiums Written Year Ended December 31, 2021 Commercial lines $ 468,433 $ — $ 321,483 $ 84,927 $ 85,345 $ 501,785 Personal lines 307,582 — 199,227 43,806 44,023 302,482 Investments — 31,126 — — — — $ 776,015 $ 31,126 $ 520,710 $ 128,733 $ 129,368 $ 804,267 Year Ended December 31, 2020 Commercial lines $ 412,877 $ — $ 264,053 $ 66,253 $ 72,245 $ 425,986 Personal lines 329,163 — 195,711 52,819 53,618 316,154 Investments — 29,504 — — — — $ 742,040 $ 29,504 $ 459,764 $ 119,072 $ 125,863 $ 742,140 Year Ended December 31, 2019 Commercial lines $ 385,465 $ — $ 242,685 $ 62,424 $ 61,631 $ 404,879 Personal lines 370,613 — 263,703 60,019 52,931 347,722 Investments — 29,515 — — — — $ 756,078 $ 29,515 $ 506,388 $ 122,443 $ 114,562 $ 752,601 DONEGAL GROUP INC. AND SUBSIDIARIES SCHEDULE III — SUPPLEMENTARY INSURANCE INFORMATION, CONTINUED ($ in thousands) At December 31, Segment Deferred Policy Acquisition Costs Liability For Losses and Loss Expenses Unearned Premiums Other Policy Claims and Benefits Payable 2021 Commercial lines $ 41,225 $ 814,681 $ 347,213 $ — Personal lines 26,803 262,939 225,745 — Investments — — — — $ 68,028 $ 1,077,620 $ 572,958 $ — 2020 Commercial lines $ 33,246 $ 694,569 $ 301,901 $ — Personal lines 25,911 267,438 235,289 — Investments — — — — $ 59,157 $ 962,007 $ 537,190 $ —

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2021
Summary of Significant Accounting Policies [Abstract]
Organization and Business	Organization and Business Donegal Mutual Insurance Company (“Donegal Mutual”) organized us as an insurance holding company on August 26, 1986. Our insurance subsidiaries, Atlantic States Insurance Company (“Atlantic States”), Southern Insurance Company of Virginia (“Southern”), the Peninsula Insurance Group (“Peninsula”), which consists of Peninsula Indemnity Company and The Peninsula Insurance Company and Michigan Insurance Company (“MICO”), and affiliates write personal and commercial lines of property and casualty coverages exclusively through a network of independent insurance agents in certain Mid-Atlantic, Midwestern, New England, Southern and Southwestern states. At December 31, 2021 we had three segments: our investment function, our commercial lines of insurance and our personal lines of insurance. The commercial lines products of our insurance subsidiaries consist primarily of commercial automobile, commercial multi-peril and workers’ compensation policies. The personal lines products of our insurance subsidiaries consist primarily of homeowners and private passenger automobile policies. At December 31, 2021, Donegal Mutual held approximately 41% of our outstanding Class A common stock and approximately 84% of our outstanding Class B common stock. This ownership provides Donegal Mutual with approximately 70% of the total voting power of our common stock. Our insurance subsidiaries and Donegal Mutual have interrelated operations due to a pooling agreement and other intercompany agreements and transactions. While each company maintains its separate corporate existence, our insurance subsidiaries and Donegal Mutual conduct business together as the Donegal Insurance Group. As such, Donegal Mutual and our insurance subsidiaries share the same business philosophy, the same management, the same employees and the same facilities and offer the same types of insurance products. Atlantic States, our largest subsidiary, participates in a proportional reinsurance agreement, or pooling agreement, with Donegal Mutual. Under the pooling agreement, Donegal Mutual and Atlantic States contribute substantially all of their respective premiums, losses and loss expenses to the underwriting pool, and the underwriting pool, acting through Donegal Mutual, then allocates 80% of the pooled business to Atlantic States. Thus, Donegal Mutual and Atlantic States share the underwriting results of the pooled business in proportion to their respective participation in the underwriting pool. In addition, Donegal Mutual has a 100% quota-share reinsurance agreement with Southern Mutual Insurance Company, or Southern Mutual. Donegal Mutual places its assumed business from Southern Mutual into the underwriting pool. Donegal Mutual completed the merger of Mountain States Mutual Casualty Company, or Mountain States, with and into Donegal Mutual effective May 25, 2017. Donegal Mutual was the surviving company in the merger, and Mountain States’ insurance subsidiaries, Mountain States Indemnity Company and Mountain States Commercial Insurance Company (collectively, the “Mountain States insurance subsidiaries”), became insurance subsidiaries of Donegal Mutual upon completion of the merger. Upon completion of the merger, Donegal Mutual assumed all of the policy obligations of Mountain States and began to market its products together with the Mountain States insurance subsidiaries as the Mountain States Insurance Group in four Southwestern states. Donegal Mutual also entered into a 100% quota-share reinsurance agreement with the Mountain States insurance subsidiaries on the merger date. Beginning with policies effective in 2021, Donegal Mutual began to place the business of the Mountain States Insurance Group into the underwriting pool. As a result, our consolidated financial results through December 31, 2020 excluded the results of the Mountain States Insurance Group operations in those Southwestern states. We and Donegal Mutual sold Donegal Financial Services Corporation (“DFSC”) to Northwest Bancshares, Inc. (“Northwest”) on March 8, 2019, resulting in proceeds valued at approximately $85.8 million in a combination of cash and Northwest common stock. DFSC was a grandfathered unitary savings and loan holding company that owned Union Community Bank, a state savings bank. Immediately prior to the closing of the merger, DFSC paid a dividend of approximately $29.2 million to us and Donegal Mutual. As the owner of 48.2% of DFSC’s common stock, we received a dividend payment from DFSC of approximately $14.1 million and consideration from Northwest that included a combination of cash in the amount of $20.5 million and Northwest common stock with a fair value at the closing date of $20.9 million. We recorded a gain of $12.7 million from the sale of DFSC in our results of operations during 2019. We sold the Northwest common stock that we received as part of the consideration during 2019. This transaction represented the culmination of a banking strategy that began with the formation of DFSC in 2000. Effective December 1, 2019, our insurance subsidiaries Le Mars Insurance Company (“Le Mars”) and Sheboygan Falls Insurance Company (“Sheboygan Falls”) merged with and into Atlantic States Insurance Company (the “Mergers”). As a result of the Mergers, the separate corporate existences of Le Mars and Sheboygan Falls ceased and Atlantic States Insurance Company (“Atlantic States”) continued as the surviving insurance company. Atlantic States placed the business of Le Mars and Sheboygan Falls, as their policies renewed subsequent to the effective date of the Mergers, into the underwriting pool. The same executive management and underwriting personnel administer products, classes of business underwritten, pricing practices and underwriting standards of Donegal Mutual and our insurance subsidiaries. In addition, as the Donegal Insurance Group, Donegal Mutual and our insurance subsidiaries share a combined business plan to achieve market penetration and underwriting profitability objectives. The products our insurance subsidiaries and Donegal Mutual market are generally complementary, thereby allowing the Donegal Insurance Group to offer a broader range of products to a given market and to expand the Donegal Insurance Group’s ability to service an entire personal lines or commercial lines account. Distinctions within the products of Donegal Mutual and our insurance subsidiaries generally relate to specific risk profiles targeted within similar classes of business, such as preferred tier versus standard tier products, but we do not allocate all of the standard risk gradients to one company. Therefore, the underwriting profitability of the business the individual companies write directly will vary. However, the underwriting pool homogenizes the risk characteristics of all business that Donegal Mutual and Atlantic States write directly. The business Atlantic States derives from the underwriting pool represents a significant percentage of our total consolidated revenues. We refer to Note 3 - Transactions with Affiliates for more information regarding the pooling agreement.
Basis of Consolidation	Basis of Consolidation Our consolidated financial statements, which we have prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”), include our accounts and those of our wholly owned subsidiaries. We have eliminated all significant inter-company accounts and transactions in consolidation. The terms “we,” “us,” “our” or the “Company” as we use them in the notes to our consolidated financial statements refer to the consolidated entity.
Use of Estimates	Use of Estimates In preparing our consolidated financial statements, our management makes estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the balance sheet and revenues and expenses for the period then ended. Actual results could differ significantly from those estimates. We make estimates and assumptions that could have a significant effect on amounts and disclosures we report in our consolidated financial statements. The most significant estimates relate to our insurance subsidiaries’ reserves for property and casualty insurance unpaid losses and loss expenses. While we believe our estimates and the estimates of our insurance subsidiaries are appropriate, the ultimate amounts may differ from the estimates provided. We regularly review our methods for making these estimates as well as the continuing appropriateness of the estimated amounts, and we reflect any adjustment we consider necessary in our current results of operations.
Reclassification	Reclassification We have made certain reclassifications in our prior period financial statements to conform to the current year presentation.
Investments	Investments We classify our debt securities into the following categories: Held to Maturity - Debt securities that we have the positive intent and ability to hold to maturity; reported at amortized cost. Available for Sale - Debt securities not classified as held to maturity; reported at fair value, with unrealized gains and losses excluded from income and reported as a separate component of stockholders’ equity (net of tax effects). Short-term investments are carried at amortized cost, which approximates fair value. We make estimates concerning the valuation of our investments and the recognition of other-than-temporary declines in the value of our investments. For equity securities, we measure investments at fair value and recognize changes in fair value in our results of operations. With respect to a debt security that is in an unrealized loss position, we first assess if we intend to sell the debt security. If we determine we intend to sell the debt security, we recognize the impairment loss in our results of operations. If we do not intend to sell the debt security, we determine whether it is more likely than not that we will be required to sell the debt security prior to recovery. If we determine it is more likely than not that we will be required to sell the debt security prior to recovery, we recognize an impairment loss in our results of operations. If we determine it is more likely than not that we will not be required to sell the debt security prior to recovery, we then evaluate whether a credit loss has occurred. We determine whether a credit loss has occurred by comparing the amortized cost of the debt security to the present value of the cash flows we expect to collect. If we expect a cash flow shortfall, we consider that a credit loss has occurred. If we determine that a credit loss has occurred, we consider the impairment to be other than temporary. We then recognize the amount of the impairment loss related to the credit loss in our results of operations, and we recognize the remaining portion of the impairment loss in our other comprehensive income, net of applicable taxes. In addition, we may write down securities in an unrealized loss position based on a number of other factors, including when the fair value of an investment is significantly below its cost, when the financial condition of the issuer of a security has deteriorated, the occurrence of industry, company or geographic events that have negatively impacted the value of a security and rating agency downgrades. We amortize premiums and discounts on debt securities over the life of the security as an adjustment to yield using the effective interest method. We compute investment gains and losses using the specific identification method. We amortize premiums and discounts for mortgage-backed debt securities using anticipated prepayments.
Fair Values of Financial Instruments	Fair Values of Financial Instruments We use the following methods and assumptions in estimating our fair value disclosures: Investments - We present our investments in available-for-sale fixed maturity and equity securities at estimated fair value. The estimated fair value of a security may differ from the amount that we could realize if we sold the security in a forced transaction. In addition, the valuation of fixed maturity investments is more subjective when markets are less liquid, increasing the potential that the estimated fair value does not reflect the price at which an actual transaction would occur. We utilize nationally recognized independent pricing services to estimate fair values for our fixed maturity and equity investments. We generally obtain two prices per security. The pricing services utilize market quotations for fixed maturity and equity securities that have quoted prices in active markets. For fixed maturity securities that generally do not trade on a daily basis, the pricing services prepare estimates of fair value measurements based predominantly on observable market inputs. The pricing services do not use broker quotes in determining the fair values of our investments. Our investment personnel review the estimates of fair value the pricing services provide to determine if the estimates we obtain are representative of fair values based upon the general knowledge of our investment personnel of the market, their research findings related to unusual fluctuations in value and their comparison of such values to execution prices for similar securities. Our investment personnel monitor the market and are familiar with current trading ranges for similar securities and the pricing of specific investments. Our investment personnel review all pricing estimates that we receive from the pricing services against their expectations with respect to pricing based on fair market curves, security ratings, coupon rates, security type and recent trading activity. Our investment personnel review documentation with respect to the pricing services’ pricing methodology that they obtain periodically to determine if the primary pricing sources, market inputs and pricing frequency for various security types are reasonable. We refer to Note 5 - Fair Value Measurements for more information regarding our methods and assumptions in estimating fair values. Cash and Short-Term Investments - The carrying amounts we report in the balance sheet for these instruments approximate their fair values. Premiums and Reinsurance Receivables and Payables - The carrying amounts we report in the balance sheet for these instruments related to premiums and paid losses and loss expenses approximate their fair values. Subordinated Debentures - The carrying amounts we report in the balance sheet for these instruments approximate their fair values.
Revenue Recognition	Revenue Recognition Our insurance subsidiaries recognize insurance premiums as income over the terms of the policies they issue. Our insurance subsidiaries calculate unearned premiums on a daily pro-rata basis.
Policy Acquisition Costs	Policy Acquisition Costs We defer our insurance subsidiaries’ policy acquisition costs, consisting primarily of commissions, premium taxes and certain other underwriting costs, reduced by ceding commissions, related directly to the successful acquisition of new or renewal insurance contracts. We amortize these deferred policy acquisition costs over the period in which our insurance subsidiaries earn the premiums. The method we follow in computing deferred policy acquisition costs limits the amount of such deferred costs to their estimated realizable value, which gives effect to the premium to be earned, related investment income, losses and loss expenses and certain other costs we expect to incur as our insurance subsidiaries earn the premium. Estimates in the calculation of policy acquisition costs have not shown material variability because of uncertainties in applying accounting principles or as a result of sensitivities to changes in key assumptions.
Property and Equipment	Property and Equipment We report property and equipment at depreciated cost that we compute using the straight-line method based upon estimated useful lives of the assets.
Losses and Loss Expenses	Losses and Loss Expenses Liabilities for losses and loss expenses are estimates at a given point in time of the amounts an insurer expects to pay with respect to incurred policyholder claims based on facts and circumstances the insurer knows at that point in time. For example, legislative, judicial and regulatory actions may expand coverage definitions, retroactively mandate coverage or otherwise require our insurance subsidiaries to pay losses for damages that their policies explicitly excluded or did not intend to cover. At the time of establishing its estimates, an insurer recognizes that its ultimate liability for losses and loss expenses will exceed or be less than such estimates. Our insurance subsidiaries base their estimates of liabilities for losses and loss expenses on assumptions as to future loss trends, expected claims severity, judicial theories of liability and other factors. However, during the loss adjustment period, our insurance subsidiaries may learn additional facts regarding individual claims, and, consequently, it often becomes necessary for our insurance subsidiaries to refine and adjust their estimates for these liabilities. We reflect any adjustments to the liabilities for losses and loss expenses of our insurance subsidiaries in our consolidated results of operations in the period in which our insurance subsidiaries make adjustments to their estimates. Our insurance subsidiaries maintain liabilities for the payment of losses and loss expenses with respect to both reported and unreported claims. Our insurance subsidiaries establish these liabilities for the purpose of covering the ultimate costs of settling all losses, including investigation and litigation costs. Our insurance subsidiaries base the amount of their liability for reported losses primarily upon a case-by-case evaluation of the type of risk involved, knowledge of the circumstances surrounding each claim and the insurance policy provisions relating to the type of loss the policyholder incurred. Our insurance subsidiaries determine the amount of their liability for unreported claims and loss expenses on the basis of historical information by line of insurance. Our insurance subsidiaries account for inflation in the reserving function through analysis of costs and trends and reviews of historical reserving results. Our insurance subsidiaries monitor their liabilities closely and recompute them periodically using new information on reported claims and a variety of statistical techniques. Our insurance subsidiaries do not discount their liabilities for losses and loss expenses. Reserve estimates can change over time because of unexpected changes in assumptions related to our insurance subsidiaries’ external environment and, to a lesser extent, assumptions related to our insurance subsidiaries’ internal operations. For example, our insurance subsidiaries have experienced an increase in claims severity and a lengthening of the claim settlement periods on bodily injury claims during the past several years. In addition, the COVID-19 pandemic and related government mandates and restrictions resulted in various changes from historical claims reporting and settlement trends during 2020 and resulted in significant increases in loss costs in 2021 due to a number of factors, including supply chain disruption, higher used automobile values, increases in the cost of replacement automobile parts and rising labor rates. These trend changes give rise to greater uncertainty as to the pattern of future loss settlements. Related uncertainties regarding future trends include social inflation, availability and cost of building materials, availability of skilled labor, the rate of plaintiff attorney involvement in claims and the cost of medical technologies and procedures. Assumptions related to our insurance subsidiaries’ external environment include the absence of significant changes in tort law and the legal environment that increase liability exposure, consistency in judicial interpretations of insurance coverage and policy provisions and the rate of loss cost inflation. Internal assumptions include consistency in the recording of premium and loss statistics, consistency in the recording of claims, payment and case reserving methodology, accurate measurement of the impact of rate changes and changes in policy provisions, consistency in the quality and characteristics of business written within a given line of business and consistency in reinsurance coverage and collectability of reinsured losses, among other items. To the extent our insurance subsidiaries determine that underlying factors impacting their assumptions have changed, our insurance subsidiaries make adjustments in their reserves that they consider appropriate for such changes. Accordingly, our insurance subsidiaries’ ultimate liability for unpaid losses and loss expenses will likely differ from the amount recorded. Our insurance subsidiaries seek to enhance their underwriting results by carefully selecting the product lines they underwrite. Our insurance subsidiaries’ personal lines products primarily include standard and preferred risks in private passenger automobile and homeowners lines. Our insurance subsidiaries’ commercial lines products primarily include business offices, wholesalers, service providers, contractors, artisans and light manufacturing operations. Our insurance subsidiaries have limited exposure to asbestos and other environmental liabilities. Our insurance subsidiaries write no medical malpractice liability risks.
Income Taxes	Income Taxes We currently file a consolidated federal income tax return that includes us and our insurance subsidiaries. We account for income taxes using the asset and liability method. The objective of the asset and liability method is to establish deferred tax assets and liabilities for the temporary differences between the financial reporting basis and the tax basis of our assets and liabilities at enacted tax rates we expect to be in effect when we realize or settle such amounts.
Credit Risk	Credit Risk Our objective is to earn competitive returns by investing in a diversified portfolio of securities. Our portfolio of fixed maturity securities and, to a lesser extent, short-term investments is subject to credit risk. We define this risk as the potential loss in fair value resulting from adverse changes in the borrower’s ability to repay its debt to us. We manage this risk by performing an analysis of prospective investments and through regular reviews of our portfolio by our investment personnel. We also limit the amount of our total investment portfolio that we invest in any one security. Our insurance subsidiaries provide property and liability insurance coverages through independent insurance agencies located throughout their operating areas. Our insurance subsidiaries bill the majority of this business directly to their policyholders, although our insurance subsidiaries bill a portion of their commercial business through their agents, to whom they extend credit in the normal course of business. Our insurance subsidiaries have reinsurance agreements with Donegal Mutual and with a number of major unaffiliated reinsurers.
Reinsurance Accounting and Reporting	Reinsurance Accounting and Reporting Our insurance subsidiaries rely upon reinsurance agreements to limit their maximum net loss from large single risks or risks in concentrated areas and to increase their capacity to write insurance. Reinsurance does not relieve our insurance subsidiaries from liability to their respective policyholders. To the extent that a reinsurer cannot pay losses for which it is liable under the terms of a reinsurance agreement with one or more of our insurance subsidiaries, our insurance subsidiaries retain continued liability for such losses. However, in an effort to reduce the risk of non-payment, our insurance subsidiaries require all of their reinsurers to have an A.M. Best rating of A- or better or, with respect to foreign reinsurers, to have a financial condition that, in the opinion of our management, is equivalent to a company with an A.M. Best rating of A- or better. We refer to Note 10 - Reinsurance for more information regarding the reinsurance agreements of our insurance subsidiaries.
Stock-Based Compensation	Stock-Based Compensation We measure all share-based payments to our directors and the directors and employees of our subsidiaries and affiliates, including grants of stock options, using a fair-value-based method and record such expense in our results of operations. In determining the expense we record for stock options we grant to our directors and the directors and employees of our subsidiaries and affiliates, we estimate the fair value of each option award on the date of grant using the Black-Scholes option pricing model. The significant assumptions we utilize in applying the Black-Scholes option pricing model are the risk-free interest rate, expected term, dividend yield and expected volatility. In 2021, 2020 and 2019, we realized $438,850, $302,901 and $64,765, respectively, in tax benefits upon the exercise of stock options.
Earnings per Share	Earnings Per Share We calculate basic earnings per share by dividing net income by the weighted-average number of common shares outstanding for the period. Diluted earnings per share reflects the dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock. We have two classes of common stock, which we refer to as Class A common stock and Class B common stock. Our Class A common stock is entitled to the declaration and payment of cash dividends that are at least 10% higher than those we declare and pay on our Class B common stock. Accordingly, we use the two-class method for the computation of earnings per common share. The two-class method is an earnings allocation formula that determines earnings per share separately for each class of common stock based on dividends declared and an allocation of remaining undistributed earnings using a participation percentage that reflects the dividend rights of each class.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets Goodwill represents the excess of the purchase price over the underlying fair value of acquired entities. When completing acquisitions, we seek also to identify separately identifiable intangible assets that we have acquired. We assess goodwill and intangible assets with an indefinite useful life for impairment annually. We also assess goodwill and other intangible assets for impairment upon the occurrence of certain events. In making our assessment, we consider a number of factors including operating results, business plans, economic projections, anticipated future cash flows and current market data. Inherent uncertainties exist with respect to these factors and to our judgment in applying them when we make our assessment. Impairment of goodwill and other intangible assets could result from changes in economic and operating conditions in future periods.

Impact of New Accounting Stan_2

Impact of New Accounting Standards (Policies)	12 Months Ended
	Dec. 31, 2021
Impact of New Accounting Standards [Abstract]
Impact of New Accounting Standards	Impact of New Accounting Standards In September 2016, the FASB issued guidance that amends previous guidance on the impairment of financial instruments by adding an impairment model that requires an entity to recognize expected credit losses as an allowance rather than impairments as credit losses are incurred. The intent of this guidance is to reduce complexity and result in a more timely recognition of expected credit losses. In November 2019, the FASB issued guidance that delays the effective date for “smaller reporting companies,” as defined in Item 10(f)(1) of Regulation S-K, to annual and interim reporting periods beginning after December 15, 2022 from December 15, 2019. We are a smaller reporting company and are in the process of evaluating the impact of the adoption of this guidance on our financial position, results of operations and cash flows. In December 2019, the FASB issued guidance that simplifies accounting for income taxes. The guidance eliminates certain exceptions related to the approach for intra-period tax allocation, the methodology for calculating income taxes in an interim period and the recognition of deferred tax liabilities for outside basis differences. The guidance was effective January 1, 2021, using the retrospective method or modified retrospective method for certain changes and the prospective method for all other changes, and permits early adoption. Our adoption of this guidance on January 1, 2021 did not have a significant impact on our financial position, results of operations or cash flows.

Transactions with Affiliates (T

Transactions with Affiliates (Tables)	12 Months Ended
	Dec. 31, 2021
Transactions with Affiliates [Abstract]
Schedule of Reinsurance Atlantic States Ceded to Pool	The following amounts represent reinsurance Atlantic States ceded to the pool during 2021, 2020 and 2019: 2021 2020 2019 Premiums earned $ 305,729,418 $ 266,400,636 $ 218,642,984 Losses and loss expenses 222,737,225 181,205,743 173,238,503 Prepaid reinsurance premiums 152,323,262 146,387,565 116,189,929 Liability for losses and loss expenses 274,033,812 232,540,607 183,326,589
Schedule of Reinsurance Atlantic States Assumed from Pool	The following amounts represent reinsurance Atlantic States assumed from the pool during 2021, 2020 and 2019: 2021 2020 2019 Premiums earned $ 573,891,394 $ 514,172,448 $ 479,835,362 Losses and loss expenses 383,455,320 309,315,497 309,852,141 Unearned premiums 289,976,879 262,004,199 237,106,338 Liability for losses and loss expenses 455,564,733 377,530,215 322,658,731
Schedule of Reinsurance Ceded to Donegal Mutual Pursuant to these Quota-Share Reinsurance Agreements	The following amounts represent reinsurance ceded to Donegal Mutual pursuant to these quota-share reinsurance agreements during 2021, 2020 and 2019: 2021 2020 2019 Premiums earned $ 37,996,474 $ 39,315,398 $ 42,079,112 Losses and loss expenses 20,037,608 15,471,037 19,617,787 Prepaid reinsurance premiums 18,548,821 17,155,909 19,217,849 Liability for losses and loss expenses 36,659,853 35,306,627 36,597,834
Schedule of Insurance Subsidiaries Ceded to Donegal Mutual Pursuant to these Reinsurance Agreements	The following amounts represent reinsurance that our insurance subsidiaries ceded to Donegal Mutual pursuant to these reinsurance agreements during 2021, 2020 and 2019: 2021 2020 2019 Premiums earned $ 17,574,161 $ 15,595,138 $ 14,404,636 Losses and loss expenses 9,309,624 25,259,527 13,769,736 Liability for losses and loss expenses 1,658,057 3,812,339 3,149,907
Schedule of Effect of Affiliated Reinsurance Transactions on Net Premiums of Subsidiaries Earned	The following amounts represent the effect of affiliated reinsurance transactions on net premiums our insurance subsidiaries earned during 2021, 2020 and 2019: 2021 2020 2019 Assumed $ 573,891,394 $ 514,172,448 $ 479,835,362 Ceded (361,300,053 ) (321,311,172 ) (275,126,732 ) Net $ 212,591,341 $ 192,861,276 $ 204,708,630
Schedule of Effect of Affiliated Reinsurance Transactions on Net Losses and Loss Expenses Insurance Subsidiaries Incurred	The following amounts represent the effect of affiliated reinsurance transactions on net losses and loss expenses our insurance subsidiaries incurred during 2021, 2020 and 2019: 2021 2020 2019 Assumed $ 383,452,056 $ 309,311,098 $ 309,844,705 Ceded (252,084,457 ) (221,936,307 ) (206,626,026 ) Net $ 131,367,599 $ 87,374,791 $ 103,218,679

Investments (Tables)

Investments (Tables)	12 Months Ended
	Dec. 31, 2021
Investments [Abstract]
Amortized Cost and Estimated Fair Values of Fixed Maturities	The amortized cost and estimated fair values of our fixed maturities at December 31, 2021 and 2020 are as follows: 2021 Held to Maturity Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value U.S. Treasury securities and obligations of U.S. government corporations and agencies $ 89,267,988 $ 1,922,976 $ 1,015,040 $ 90,175,924 Obligations of states and political subdivisions 371,435,776 17,856,745 948,113 388,344,408 Corporate securities 191,147,051 11,576,693 772,809 201,950,935 Mortgage-backed securities 16,253,753 675,944 — 16,929,697 Totals $ 668,104,568 $ 32,032,358 $ 2,735,962 $ 697,400,964 2021 Available for Sale Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value U.S. Treasury securities and obligations of U.S. government corporations and agencies $ 32,501,080 $ 144,377 $ 460,831 $ 32,184,626 Obligations of states and political subdivisions 55,458,687 2,002,035 82,631 57,378,091 Corporate securities 215,668,644 6,817,036 874,405 221,611,275 Mortgage-backed securities 219,664,635 3,000,806 1,210,418 221,455,023 Totals $ 523,293,046 $ 11,964,254 $ 2,628,285 $ 532,629,015 2020 Held to Maturity Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value U.S. Treasury securities and obligations of U.S. government corporations and agencies $ 77,435,268 $ 3,983,890 $ 223,564 $ 81,195,594 Obligations of states and political subdivisions 312,319,238 23,211,483 142,750 335,387,971 Corporate securities 173,269,560 18,172,244 205,761 191,236,043 Mortgage-backed securities 23,585,373 1,235,840 — 24,821,213 Totals $ 586,609,439 $ 46,603,457 $ 572,075 $ 632,640,821 2020 Available for Sale Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value U.S. Treasury securities and obligations of U.S. government corporations and agencies $ 47,511,872 $ 423,855 $ 121,015 $ 47,814,712 Obligations of states and political subdivisions 66,286,667 2,690,335 11,765 68,965,237 Corporate securities 202,396,309 10,496,218 184,464 212,708,063 Mortgage-backed securities 218,763,252 6,901,676 16,923 225,648,005 Totals $ 534,958,100 $ 20,512,084 $ 334,167 $ 555,136,017
Amortized Cost and Estimated Fair Value of Fixed Maturities by Contractual Maturity	We set forth below the amortized cost and estimated fair value of fixed maturities at December 31, 2021 by contractual maturity. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Amortized Cost Estimated Fair Value Held to maturity Due in one year or less $ 29,359,965 $ 30,170,296 Due after one year through five years 84,797,619 89,011,185 Due after five years through ten years 229,972,129 238,657,219 Due after ten years 307,721,102 322,632,567 Mortgage-backed securities 16,253,753 16,929,697 Total held to maturity $ 668,104,568 $ 697,400,964 Available for sale Due in one year or less $ 19,157,465 $ 19,411,213 Due after one year through five years 124,209,793 128,340,492 Due after five years through ten years 130,046,327 132,293,644 Due after ten years 30,214,826 31,128,643 Mortgage-backed securities 219,664,635 221,455,023 Total available for sale $ 523,293,046 $ 532,629,015
Cost and Estimated Fair Values of Equity Securities	The cost and estimated fair values of our equity securities at December 31, 2021 were as follows: Cost Gross Gains Gross Losses Estimated Fair Value Equity securities $ 43,262,577 $ 20,413,667 $ 256,271 $ 63,419,973 The cost and estimated fair values of our equity securities at December 31, 2020 were as follows: Cost Gross Gains Gross Losses Estimated Fair Value Equity securities $ 42,409,750 $ 17,103,055 $ 956,632 $ 58,556,173
Net Investment Income, consisting Primarily of Interest and Dividends	We derived net investment income, consisting primarily of interest and dividends, from the following sources: 2021 2020 2019 Fixed maturities $ 32,343,878 $ 30,750,231 $ 29,969,774 Equity securities 1,437,948 1,386,343 1,268,056 Short-term investments 321,117 427,392 1,243,104 Other 29,250 29,250 29,251 Investment income 34,132,193 32,593,216 32,510,185 Investment expenses (3,006,562 ) (3,088,750 ) (2,995,230 ) Net investment income $ 31,125,631 $ 29,504,466 $ 29,514,955
Gross Investment Gains and Losses before Applicable Income Taxes	We present below gross gains and losses from investments and the change in the difference between fair value and cost of investments: 2021 2020 2019 Gross realized gains: Fixed maturities $ 676,724 $ 818,350 $ 470,983 Equity securities 1,430,465 106,075 1,546,598 Investment in affiliate — — 12,662,147 2,107,189 924,425 14,679,728 Gross realized losses: Fixed maturities 294,126 246,243 323,746 Equity securities 462,335 3,555,304 1,270,301 756,461 3,801,547 1,594,047 Net realized gains (losses) 1,350,728 (2,877,122 ) 13,085,681 Gross unrealized gains on equity securities 5,627,949 8,426,806 8,924,687 Gross unrealized losses on equity securities (501,391 ) (2,771,765 ) (25,751 ) Net investment gains $ 6,477,286 $ 2,777,919 $ 21,984,617 Change in difference between fair value and cost of investments: Fixed maturities $ (27,576,934 ) $ 33,876,212 $ 38,647,456 Equity securities 4,010,973 4,088,003 9,334,127 Totals $ (23,565,961 ) $ 37,964,215 $ 47,981,583
Fixed Maturities with Unrealized Losses	We held fixed maturities with unrealized losses representing declines that we considered temporary at December 31, 2021 as follows: Less than 12 months 12 months or longer Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury securities and obligations of U.S. government corporations and agencies $ 27,691,051 $ 412,055 $ 28,426,248 $ 1,063,816 Obligations of states and political subdivisions 56,654,480 899,139 7,090,499 131,605 Corporate securities 92,736,747 1,609,931 1,462,717 37,283 Mortgage-backed securities 90,006,234 1,128,197 2,361,232 82,221 Totals $ 267,088,512 $ 4,049,322 $ 39,340,696 $ 1,314,925 We held fixed maturities with unrealized losses representing declines that we considered temporary at December 31, 2020 as follows: Less than 12 months 12 months or longer Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury securities and obligations of U.S. government corporations and agencies $ 29,144,224 $ 344,579 $ — $ — Obligations of states and political subdivisions 9,361,435 154,515 — — Corporate securities 26,142,933 114,606 8,229,646 275,619 Mortgage-backed securities 3,091,272 15,425 236,560 1,498 Totals $ 67,739,864 $ 629,125 $ 8,466,206 $ 277,117

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2021
Fair Value Measurements [Abstract]
Investments in Available-for-Sale Fixed Maturity and Equity Securities	The following table presents our fair value measurements for our investments in available-for-sale fixed maturity and equity securities at December 31, 2021: Fair Value Measurements Using Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) U.S. Treasury securities and obligations of U.S. government corporations and agencies $ 32,184,626 $ — $ 32,184,626 $ — Obligations of states and political subdivisions 57,378,091 — 57,378,091 — Corporate securities 221,611,275 — 221,611,275 — Mortgage-backed securities 221,455,023 — 221,455,023 — Equity securities 63,419,973 61,130,385 2,289,588 — Total investments in the fair value hierarchy $ 596,048,988 $ 61,130,385 $ 534,918,603 $ — The following table presents our fair value measurements for our investments in available-for-sale fixed maturity and equity securities at December 31, 2020: Fair Value Measurements Using Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) U.S. Treasury securities and obligations of U.S. government corporations and agencies $ 47,814,712 $ — $ 47,814,712 $ — Obligations of states and political subdivisions 68,965,237 — 68,965,237 — Corporate securities 212,708,063 — 212,708,063 — Mortgage-backed securities 225,648,005 — 225,648,005 — Equity securities 58,556,173 54,152,085 4,404,088 — Total investments in the fair value hierarchy $ 613,692,190 $ 54,152,085 $ 559,540,105 $ —

Deferred Policy Acquisition C_2

Deferred Policy Acquisition Costs (Tables)	12 Months Ended
	Dec. 31, 2021
Deferred Policy Acquisition Costs [Abstract]
Deferred Policy Acquisition Costs	Changes in our insurance subsidiaries’ deferred policy acquisition costs are as follows: 2021 2020 2019 Balance, January 1 $ 59,156,958 $ 59,284,859 $ 60,615,127 Acquisition costs deferred 137,604,415 118,944,099 121,112,732 Amortization charged to earnings (128,733,000 ) (119,072,000 ) (122,443,000 ) Balance, December 31 $ 68,028,373 $ 59,156,958 $ 59,284,859

Property and Equipment (Tables)

Property and Equipment (Tables)	12 Months Ended
	Dec. 31, 2021
Property and Equipment [Abstract]
Property and Equipment	Property and equipment at December 31, 2021 and 2020 consisted of the following: 2021 2020 Estimated Useful Life Office equipment $ 8,382,877 $ 8,809,344 3-15 years Automobiles 322,703 301,119 5 years Real estate 2,575,207 4,921,056 5-50 years Software 1,386,936 2,065,927 5 years 12,667,723 16,097,446 Accumulated depreciation (9,710,793 ) (11,707,069 ) $ 2,956,930 $ 4,390,377

Liability for Losses and Loss_2

Liability for Losses and Loss Expenses (Tables)	12 Months Ended
	Dec. 31, 2021
Liability for Losses and Loss Expenses [Abstract]
Summary of Insurance Subsidiaries' Liability for Losses and Loss Expenses	We summarize activity in our insurance subsidiaries’ liability for losses and loss expenses as follows: 2021 2020 2019 Balance at January 1 $ 962,007,437 $ 869,673,849 $ 814,665,224 Less reinsurance recoverable (404,818,480 ) (362,768,427 ) (339,267,525 ) Net balance at January 1 557,188,957 506,905,422 475,397,699 Incurred related to: Current year 551,917,571 472,709,060 519,319,941 Prior years (31,208,029 ) (12,944,767 ) (12,932,277 ) Total incurred 520,709,542 459,764,293 506,387,664 Paid related to: Current year 269,316,762 236,984,291 278,923,614 Prior years 182,222,742 172,496,467 195,956,327 Total paid 451,539,504 409,480,758 474,879,941 Net balance at December 31 626,358,995 557,188,957 506,905,422 Plus reinsurance recoverable 451,261,306 404,818,480 362,768,427 Balance at December 31 $ 1,077,620,301 $ 962,007,437 $ 869,673,849
Incurred and Paid Claims Development, Net of Reinsurance, Cumulative Claim Frequency and Total of IBNR Reserves Plus Expected Development on Reported Claims	The following tables present information about incurred and paid claims development as of December 31, 2021, net of reinsurance, as well as cumulative claim frequency and the total of IBNR reserves plus expected development on reported claims that our insurance subsidiaries included within their net incurred claims amounts. The tables include unaudited information about incurred and paid claims development for the years ended December 31, 2012 through 2020, which we present as supplementary information. Personal Automobile At December 31, 2021 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31, Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Total IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims Unaudited (dollars and reported claims in thousands) 2012 $ 130,415 $ 133,201 $ 135,592 $ 136,493 $ 136,552 $ 136,463 $ 136,141 $ 136,677 $ 136,648 $ 136,542 $ 98 69 2013 124,965 130,737 131,594 132,643 132,604 132,934 132,853 132,690 132,787 106 66 2014 124,426 124,806 124,210 126,200 126,779 126,734 126,861 126,977 131 71 2015 137,569 139,333 139,181 142,493 142,408 142,073 142,010 293 70 2016 150,216 153,937 157,516 157,943 156,935 156,436 728 73 2017 166,690 127,728 175,939 174,784 173,730 1,328 79 2018 186,580 183,358 181,558 180,787 3,069 81 2019 161,056 157,689 156,300 5,151 68 2020 111,483 103,585 7,372 43 2021 119,364 20,654 45 Total $ 1,428,518 Personal Automobile Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Unaudited (in thousands) 2012 $ 87,517 $ 111,941 $ 124,652 $ 130,862 $ 133,428 $ 134,581 $ 135,132 $ 136,137 $ 136,165 $ 136,186 2013 84,241 109,051 120,118 125,946 130,026 131,326 131,642 132,215 132,300 2014 85,377 104,736 114,893 120,491 123,815 124,926 125,619 125,762 2015 93,611 116,303 128,395 135,027 139,121 140,028 140,892 2016 102,433 129,507 143,321 151,159 153,521 154,769 2017 111,964 142,372 159,879 166,099 169,190 2018 115,585 150,175 163,036 169,651 2019 103,101 127,187 141,004 2020 66,084 81,783 2021 76,477 Total 1,328,014 All outstanding liabilities before 2012, net of reinsurance 925 Liabilities for claims and claims adjustment expenses, net of reinsurance $ 101,429 Homeowners At December 31, 2021 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31, Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Total IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims Unaudited (dollars and reported claims in thousands) 2012 $ 53,962 $ 54,794 $ 54,468 $ 54,351 $ 54,281 $ 54,381 $ 54,523 $ 54,537 $ 54,548 $ 54,556 $ — 18 2013 50,887 51,121 51,122 50,874 50,988 50,971 51,008 51,064 51,053 — 13 2014 56,916 58,378 57,680 57,332 57,288 57,402 57,367 57,371 — 16 2015 63,359 63,925 63,053 63,071 63,099 62,993 63,043 19 13 2016 62,443 64,064 63,735 63,355 63,279 63,409 12 12 2017 79,283 79,911 79,305 79,247 79,065 144 17 2018 81,965 83,385 82,905 82,566 538 18 2019 73,294 73,554 73,234 912 16 2020 61,633 62,718 1,567 13 2021 67,677 6,208 11 Total $ 654,692 Homeowners Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31, Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Unaudited (in thousands) 2012 $ 46,566 $ 53,619 $ 54,028 $ 54,298 $ 54,317 $ 54,356 $ 54,557 $ 54,557 $ 54,553 $ 54,560 2013 40,949 49,410 50,210 50,478 51,043 50,902 50,967 50,965 50,955 2014 45,823 56,255 56,990 57,195 56,995 57,243 57,336 57,339 2015 51,885 61,542 62,204 62,590 62,844 62,943 62,936 2016 50,125 61,145 62,760 63,144 63,162 63,217 2017 67,077 77,663 78,006 78,127 78,454 2018 70,385 79,892 80,905 81,464 2019 58,074 69,145 70,416 2020 51,226 60,348 2021 52,161 Total 631,850 All outstanding liabilities before 2012, net of reinsurance 118 Liabilities for claims and claims adjustment expenses, net of reinsurance $ 22,960 Commercial Automobile At December 31, 2021 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31, Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Total IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims Unaudited (dollars and reported claims in thousands) 2012 $ 26,557 $ 27,720 $ 30,606 $ 31,435 $ 31,278 $ 31,648 $ 31,803 $ 31,896 $ 31,930 $ 31,922 $ 15 8 2013 32,902 33,749 34,751 35,240 36,404 36,435 36,569 36,181 36,165 53 8 2014 42,760 44,544 47,326 48,213 49,284 49,168 49,308 49,291 91 11 2015 46,526 48,323 51,412 54,259 54,517 54,619 53,793 234 12 2016 54,302 57,353 65,905 67,127 66,894 66,085 338 13 2017 61,484 67,927 67,697 67,249 65,310 895 13 2018 79,307 81,396 82,313 83,043 2,306 15 2019 88,864 91,245 90,290 7,365 16 2020 90,367 87,766 14,996 14 2021 109,824 41,282 14 Total $ 673,489 Commercial Automobile Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31, Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Unaudited (in thousands) 2012 $ 13,642 $ 20,240 $ 23,718 $ 27,417 $ 29,873 $ 30,402 $ 31,104 $ 31,228 $ 31,263 $ 31,507 2013 16,306 23,557 26,879 31,053 34,083 36,004 36,106 36,092 36,087 2014 22,707 31,089 39,436 44,374 47,290 48,418 48,603 48,714 2015 23,875 35,342 41,678 48,261 51,605 51,992 52,728 2016 27,033 38,237 48,837 57,237 60,485 64,421 2017 28,707 40,213 49,703 57,128 59,889 2018 33,862 47,941 57,451 69,487 2019 36,948 53,026 63,575 2020 31,884 46,459 2021 39,851 Total 512,718 All outstanding liabilities before 2012, net of reinsurance 46 Liabilities for claims and claims adjustment expenses, net of reinsurance $ 160,817 Commercial Multi-Peril At December 31, 2021 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31, Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Total IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims Unaudited (dollars and reported claims in thousands) 2012 $ 29,789 $ 30,716 $ 32,449 $ 34,117 $ 35,755 $ 36,214 $ 36,525 $ 36,876 $ 36,662 $ 36,844 $ — 6 2013 35,683 35,679 37,292 37,205 37,981 37,365 37,453 37,495 37,630 — 6 2014 48,204 50,135 51,843 52,336 53,294 53,116 52,926 52,933 79 7 2015 42,070 43,874 44,728 45,104 45,873 45,366 45,420 135 6 2016 43,005 46,988 48,267 48,871 48,732 48,823 373 6 2017 56,185 56,043 56,517 54,812 55,076 674 7 2018 66,265 66,470 67,749 67,810 3,653 7 2019 71,865 73,836 76,326 8,159 7 2020 83,195 79,910 15,880 8 2021 116,827 37,194 6 Total $ 617,599 Commercial Multi-Peril Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31, Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Unaudited (in thousands) 2012 $ 16,666 $ 23,384 $ 26,634 $ 29,370 $ 33,327 $ 35,331 $ 35,909 $ 36,329 $ 36,399 $ 36,529 2013 19,875 26,216 29,159 33,614 35,104 36,321 37,333 37,436 37,488 2014 27,920 35,520 40,936 47,021 50,017 51,615 52,103 52,252 2015 21,837 29,419 34,323 39,162 42,849 44,090 44,439 2016 19,660 29,402 34,612 41,193 43,435 44,944 2017 27,399 36,926 42,691 46,361 49,488 2018 30,597 42,296 48,050 54,913 2019 28,210 41,266 47,522 2020 34,729 46,193 2021 46,768 Total 460,536 All outstanding liabilities before 2012, net of reinsurance 531 Liabilities for claims and claims adjustment expenses, net of reinsurance $ 157,594 Workers’ Compensation At December 31, 2021 Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Total IBNR Plus Expected Development on Reported Claims Cumulative Number of Reported Claims Unaudited (dollars and reported claims in thousands) 2012 $ 39,142 $ 39,516 $ 38,827 $ 37,926 $ 37,163 $ 36,468 $ 35,954 $ 35,932 $ 36,014 $ 36,056 $ 39 5 2013 46,325 47,027 44,289 42,828 42,327 42,555 42,651 42,341 42,427 70 6 2014 51,508 51,553 49,288 48,537 47,540 47,693 47,849 47,620 68 6 2015 53,332 49,615 45,991 44,986 43,006 42,597 42,225 328 5 2016 58,814 49,802 47,883 44,969 44,098 43,559 532 5 2017 60,450 56,351 52,687 51,464 49,557 1,461 5 2018 62,197 55,291 52,514 47,912 2,171 6 2019 60,998 59,624 57,728 3,474 6 2020 57,172 57,850 5,494 5 2021 67,035 21,111 6 Total $ 491,969 Workers’ Compensation Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31, Accident Year 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Unaudited (in thousands) 2012 $ 11,097 $ 22,963 $ 28,812 $ 31,244 $ 33,196 $ 34,177 $ 34,460 $ 34,622 $ 34,691 $ 34,973 2013 13,052 26,043 32,783 36,351 38,877 39,617 40,361 40,827 41,209 2014 13,932 28,513 36,284 40,393 42,465 43,866 44,403 44,671 2015 13,071 27,531 34,192 36,929 37,936 38,596 39,096 2016 14,709 30,344 37,178 40,570 41,208 41,543 2017 15,581 31,990 39,684 42,954 44,242 2018 17,644 31,928 37,072 41,611 2019 16,939 33,009 41,740 2020 14,591 32,817 2021 20,931 Total 382,833 All outstanding liabilities before 2012, net of reinsurance 4,643 Liabilities for claims and claims adjustment expenses, net of reinsurance $ 113,779
Reconciliation of Net Incurred and Paid Claims Development Tables to Liability for Claims and Claim Adjustment Expenses	The following table presents a reconciliation of the net incurred and paid claims development tables to the liability for claims and claims adjustment expenses in our consolidated balance sheet: At December 31, (in thousands) 2021 Net outstanding liabilities: Personal automobile $ 101,429 Homeowners 22,960 Commercial automobile 160,817 Commercial multi-peril 157,593 Workers ’ 113,779 Other 24,953 581,531 Reinsurance recoverable: Personal automobile $ 110,925 Homeowners 13,200 Commercial automobile 107,037 Commercial multi-peril 98,848 Workers ’ 92,352 Other 6,616 428,978 Unallocated loss adjustment expenses $ 67,111 Gross liability for unpaid losses and loss expenses $ 1,077,620
Supplementary Information about Average Historical Claims Duration	The following table presents supplementary information about average historical claims duration as of December 31, 2021: Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 10 Personal automobile 64.8 % 16.9 % 8.6 % 4.3 % 2.3 % 0.8 % 0.4 % 0.4 % — % — % Homeowners 81.5 15.0 1.3 0.5 0.3 0.1 0.2 — — — Commercial automobile 41.7 18.3 12.8 12.0 6.2 3.2 1.1 0.2 — 0.8 Commercial multi-peril 45.4 16.9 9.4 10.2 6.5 3.5 1.5 0.6 0.2 0.4 Workers’ compensation 31.0 31.8 15.2 7.7 3.7 1.9 1.2 0.7 0.5 0.8

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2021
FHLB of Pittsburgh [Member]
FHLB of Stock Purchased, Collateral Pledged and Assets Related	The table below presents the amount of FHLB of Pittsburgh stock Atlantic States purchased, collateral pledged and assets related to Atlantic States’ membership in the FHLB of Pittsburgh at December 31, 2021. FHLB stock purchased and owned as part of the agreement $ 1,575,600 Collateral pledged, at par (carrying value $ 43,486,897 43,074,486 Borrowing capacity currently available 6,913,889

Reinsurance (Tables)

Reinsurance (Tables)	12 Months Ended
	Dec. 31, 2021
Reinsurance [Abstract]
Ceded Reinsurance Transactions with Unaffiliated Reinsurers	The following amounts represent ceded reinsurance transactions with unaffiliated reinsurers during 2021, 2020 and 2019: 2021 2020 2019 Premiums written $ 38,173,733 $ 34,165,635 $ 36,941,997 Premiums earned 37,984,833 35,358,765 39,732,282 Losses and loss expenses 29,999,528 9,835,268 33,615,819 Prepaid reinsurance premiums 6,063,759 5,874,859 7,067,989 Liability for losses and loss expenses 138,909,584 133,158,907 139,694,097
Total Ceded Reinsurance Transactions with both Affiliated and Unaffiliated Reinsurers	The following amounts represent total ceded reinsurance transactions with both affiliated and unaffiliated reinsurers during 2021, 2020 and 2019: 2021 2020 2019 Premiums earned $ 399,284,886 $ 356,669,937 $ 314,859,014 Losses and loss expenses 282,083,985 231,771,575 240,241,845 Prepaid reinsurance premiums 176,935,842 169,418,333 142,475,767 Liability for losses and loss expenses 451,261,306 404,818,480 362,768,427
Amounts Represent Effect of Reinsurance on Premiums Written	The following amounts represent the effect of reinsurance on premiums written for 2021, 2020 and 2019: 2021 2020 2019 Direct $ 609,204,706 $ 586,681,839 $ 589,572,526 Assumed 601,864,198 539,070,557 485,233,762 Ceded (406,802,395 ) (383,612,503 ) (322,204,999 ) Net premiums written $ 804,266,509 $ 742,139,893 $ 752,601,289
Amounts Represent Effect of Reinsurance on Premiums Earned	The following amounts represent the effect of reinsurance on premiums earned for 2021, 2020 and 2019: 2021 2020 2019 Direct $ 601,408,581 $ 584,537,580 $ 591,101,804 Assumed 573,891,506 514,172,696 479,835,610 Ceded (399,284,886 ) (356,669,937 ) (314,859,014 ) Net premiums earned $ 776,015,201 $ 742,040,339 $ 756,078,400 Percentage of assumed premiums earned to net premiums earned 74.0 % 69.3 % 63.5 %

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2021
Income Taxes [Abstract]
Provision for Income Tax Expense	Our provision for income tax expense for 2021, 2020 and 2019 consisted of the following: 2021 2020 2019 Current federal income tax $ 3,998,431 $ 10,450,803 $ 8,454,358 Deferred federal income tax 1,085,903 6,448 649,928 Federal income tax expense $ 5,084,334 $ 10,457,251 $ 9,104,286 Pennsylvania income tax — — 825,000 Income tax expense $ 5,084,334 $ 10,457,251 $ 9,929,286
Reconciliation of Federal Income Tax Rate	Our effective tax rate is different from the amount computed at the statutory federal rate of 21%. The reasons for such difference and the related tax effects are as follows: 2021 2020 2019 Income before income tax expense $ 30,338,508 $ 63,272,503 $ 57,081,030 Computed “expected” taxes 6,371,087 13,287,226 11,987,016 Tax-exempt interest (1,491,154 ) (1,468,806 ) (1,325,197 ) Proration 401,717 395,663 357,044 Dividends received deduction (115,713 ) (113,845 ) (1,913,238 ) Net operating loss carryback — (1,640,084 ) — Tax benefit on exercise of options (438,850 ) (302,901 ) (64,765 ) Other, net 357,247 299,998 236,676 Pennsylvania income tax, net of federal benefit — — 651,750 Income tax expense $ 5,084,334 $ 10,457,251 $ 9,929,286
Deferred Tax Assets and Deferred Tax Liabilities	The tax effects of temporary differences that give rise to significant portions of our deferred tax assets and deferred tax liabilities at December 31, 2021 and 2020 are as follows: 2021 2020 Deferred tax assets: Unearned premium $ 16,674,502 $ 15,481,602 Loss reserves 9,568,677 8,808,342 Net operating loss carryforward 25,174 104,041 Net state operating loss carryforward - DGI Parent 7,865,563 7,850,334 Other 1,859,687 2,342,967 Total gross deferred tax assets 35,993,603 34,587,286 Less valuation allowance (7,865,563 ) (7,850,334 ) Net deferred tax assets 28,128,040 26,736,952 Deferred tax liabilities: Deferred policy acquisition costs 14,285,958 12,422,961 Loss reserve transition adjustment 1,148,529 1,440,793 Other 6,007,934 7,190,085 Total gross deferred tax liabilities 21,442,421 21,053,839 Net deferred tax asset $ 6,685,619 $ 5,683,113

Stock Compensation Plans (Table

Stock Compensation Plans (Tables)	12 Months Ended
	Dec. 31, 2021
Stock Compensation Plans [Abstract]
Information Regarding Activity in Stock Option Plans	Information regarding activity in our stock option plans follows: Number of Options Weighted-Average Exercise Price Per Share Outstanding at December 31, 2018 10,024,862 $ 15.09 Granted - 2019 1,045,400 14.97 Exercised - 2019 (217,498 ) 13.23 Forfeited - 2019 (416,774 ) 15.88 Outstanding at December 31, 2019 10,435,990 15.09 Granted - 2020 935,099 14.45 Exercised - 2020 (1,294,606 ) 13.52 Forfeited - 2020 (303,908 ) 15.23 Expired - 2020 (78,223 ) $ 13.64 Outstanding at December 31, 2020 9,694,352 $ 15.24 Granted - 2021 906,500 14.39 Exercised - 2021 (946,646 ) 13.00 Forfeited - 2021 (404,664 ) 15.69 Expired - 2021 (1,139,816 ) $ 16.40 Outstanding at December 31, 2021 8,109,726 $ 15.22 Exercisable at: December 31, 2019 8,449,389 $ 15.13 December 31, 2020 7,786,934 $ 15.42 December 31, 2021 6,297,849 $ 15.43
Summary of Information about Stock Options Outstanding	The following table summarizes information about stock options outstanding at December 31, 2021: Grant Date Exercise Price Number of Options Outstanding Weighted-Average Remaining Contractual Life Number of Options Exercisable December 20, 2012 14.50 874,014 1.0 years 874,014 December 19, 2013 15.90 1,784,970 2.0 years 1,784,970 December 18, 2014 15.80 1,116,965 3.0 years 1,116,965 December 21, 2017 17.60 735,700 1.0 years 735,700 December 20, 2018 13.69 824,877 2.0 years 824,877 March 4, 2019 13.51 10,000 2.2 years 10,000 December 19, 2019 14.98 986,100 3.0 years 657,393 December 17, 2020 14.43 871,800 4.0 years 290,597 January 4, 2021 14.07 10,000 4.0 years 3,333 December 16, 2021 14.39 895,300 5.0 years — Total 8,109,726 6,297,849
Summary of Plan Activity	A summary of plan activity follows: Shares Issued Price Shares January 1, 2019 11.60 24,834 July 1, 2019 12.24 22,926 January 1, 2020 12.28 20,424 July 1, 2020 12.09 22,662 January 1, 2021 11.96 23,336 July 1, 2021 11.88 24,619

Statutory Net Income, Capital_2

Statutory Net Income, Capital and Surplus and Dividend Restrictions (Tables)	12 Months Ended
	Dec. 31, 2021
Statutory Net Income, Capital and Surplus and Dividend Restrictions [Abstract]
State Insurance Regulatory Authorities	The following table presents selected information, as filed with state insurance regulatory authorities, for our insurance subsidiaries as determined in accordance with accounting practices prescribed or permitted by such insurance regulatory authorities: 2021 2020 2019 Atlantic States: Statutory capital and surplus $ 278,883,189 $ 279,796,696 $ 259,030,868 Statutory unassigned surplus 174,073,348 175,777,393 155,909,822 Statutory net (loss) income (7,417,845 ) 20,735,871 22,282,231 Southern: Statutory capital and surplus 64,238,221 57,142,228 54,405,568 Statutory unassigned surplus (deficit) 7,330,382 300,409 (2,375,794 ) Statutory net income 6,927,576 4,350,677 5,061,477 Peninsula: Statutory capital and surplus 47,867,789 49,285,069 39,244,570 Statutory unassigned surplus 29,558,589 30,975,869 20,936,805 Statutory net income 3,536,404 10,955,796 7,360,378 MICO: Statutory capital and surplus 75,197,207 72,183,575 65,768,590 Statutory unassigned surplus 53,201,571 45,247,698 38,910,008 Statutory net income 7,704,417 12,240,173 9,976,610

Reconciliation of Statutory F_2

Reconciliation of Statutory Filings to Amounts Reported in the Consolidated Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2021
Reconciliation of Statutory Filings to Amounts Reported in the Consolidated Financial Statements [Abstract]
Reconciliations of Statutory Net Income, Capital and Surplus and Dividend Restrictions	Reconciliations of statutory net income and capital and surplus, as determined using SAP, to the net income and stockholders’ equity amounts included in the accompanying consolidated financial statements are as follows: Year Ended December 31, 2021 2020 2019 Statutory net income of insurance subsidiaries $ 10,750,552 $ 48,282,517 $ 44,680,696 Increases (decreases): Deferred policy acquisition costs 8,871,415 (127,901 ) (1,330,268 ) Deferred federal income taxes (1,085,903 ) (6,448 ) 639,284 Salvage and subrogation recoverable 2,551,800 713,400 207,000 Consolidating eliminations and adjustments (18,769 ) (9,516,984 ) (11,048,314 ) Parent-only net income 4,185,079 13,470,668 14,003,346 Net income $ 25,254,174 $ 52,815,252 $ 47,151,744 December 31, 2021 2020 2019 Statutory capital and surplus of insurance subsidiaries $ 466,186,406 $ 458,407,568 $ 418,449,596 Increases (decreases): Deferred policy acquisition costs 68,028,373 59,156,958 59,284,859 Deferred federal income taxes (21,294,388 ) (18,586,428 ) (15,477,843 ) Salvage and subrogation recoverable 23,510,400 20,958,600 20,245,200 Non-admitted assets and other adjustments, net 929,862 1,315,378 1,727,754 Fixed maturities 5,958,434 15,309,610 (326,795 ) Parent-only equity and other adjustments (12,283,000 ) (18,787,566 ) (32,887,252 ) Stockholders’ equity $ 531,036,087 $ 517,774,120 $ 451,015,519

Supplementary Cash Flow Infor_2

Supplementary Cash Flow Information (Tables)	12 Months Ended
	Dec. 31, 2021
Supplementary Cash Flow Information
Net Income Taxes and Interest Paid	The following table reflects net income taxes we paid (recovered) and interest we paid during 2021, 2020 and 2019: 2021 2020 2019 Income taxes $ 6,200,000 $ 12,800,000 $ (9,827,433 ) Interest 1,150,211 1,191,800 321,585

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2021
Earnings Per Share [Abstract]
Summary of Reconciliation of Numerators and Denominators Used in Basic and Diluted Per Share Computations	We present below a reconciliation of the numerators and denominators we used in the basic and diluted per share computations for our Class A common stock: Year Ended December 31, (in thousands) 2021 2020 2019 Basic earnings per share: Numerator: Allocation of net income $ 21,131 $ 43,609 $ 38,718 Denominator: Weighted-average shares outstanding 25,388 23,707 22,986 Basic earnings per share $ 0.83 $ 1.84 $ 1.68 Diluted earnings per share: Numerator: Allocation of net income $ 21,131 $ 43,609 $ 38,718 Denominator: Number of shares used in basic computation 25,388 23,707 22,986 Weighted-average effect of dilutive securities Add: Director and employee stock options 146 180 211 Number of shares used in per share computations 25,534 23,887 23,197 Diluted earnings per share $ 0.83 $ 1.83 $ 1.67 We used the following information in the basic and diluted per share computations for our Class B common stock: Year Ended December 31, (in thousands) 2021 2020 2019 Basic and diluted earnings per share: Numerator: Allocation of net income $ 4,123 $ 9,206 $ 8,434 Denominator: Weighted-average shares outstanding 5,577 5,577 5,577 Basic and diluted earnings per share $ 0.74 $ 1.65 $ 1.51

Condensed Financial Informati_2

Condensed Financial Information of Parent Company (Tables)	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information of Parent Company [Abstract]
Condensed Balance Sheets	Condensed Balance Sheets (in thousands) December 31, 2021 2020 Assets Investment in subsidiaries/affiliates (equity method) $ 554,804 $ 540,665 Short-term investments 9 9 Cash 14,375 15,321 Property and equipment 716 833 Other 2,455 1,721 Total assets $ 572,359 $ 558,549 Liabilities and Stockholders’ Equity Liabilities Cash dividends declared to stockholders $ 4,915 $ 4,436 Notes payable to subsidiary 35,000 35,000 Other 1,408 1,339 Total liabilities 41,323 40,775 Stockholders’ equity 531,036 517,774 Total liabilities and stockholders’ equity $ 572,359 $ 558,549
Condensed Statements of Income (Loss) and Comprehensive Income (Loss)	Condensed Statements of Income and Comprehensive Income (in thousands) Year Ended December 31, 2021 2020 2019 Statements of Income Revenues Dividends from subsidiaries $ 5,000 $ 14,000 $ 4,000 Realized investment gains — — 12,378 Other 481 463 1,009 Total revenues 5,481 14,463 17,387 Expenses Operating expenses 1,223 1,258 1,420 Interest 787 794 1,327 Total expenses 2,010 2,052 2,747 Income before income tax (benefit) expense and equity in undistributed net income of subsidiaries 3,471 12,411 14,640 Income tax (benefit) expense (714 ) (1,059 ) 636 Income before equity in undistributed net income of subsidiaries 4,185 13,470 14,004 Equity in undistributed net income of subsidiaries 21,069 39,345 33,148 Net income $ 25,254 $ 52,815 $ 47,152 Statements of Comprehensive Income Net income $ 25,254 $ 52,815 $ 47,152 Other comprehensive (loss) income, net of tax Unrealized (loss) gain - subsidiaries (7,847 ) 10,627 14,732 Other comprehensive (loss) income, net of tax (7,847 ) 10,627 14,732 Comprehensive income $ 17,407 $ 63,442 $ 61,884
Condensed Statements of Cash Flows	Condensed Statements of Cash Flows (in thousands) Year Ended December 31, 2021 2020 2019 Cash flows from operating activities: Net income $ 25,254 $ 52,815 $ 47,152 Adjustments: Equity in undistributed net income of subsidiaries (21,069 ) (39,345 ) (33,148 ) Realized investment gains — — (12,378 ) Other (536 ) (5,615 ) 490 Net adjustments (21,605 ) (44,960 ) (45,036 ) Net cash provided 3,649 7,855 2,116 Cash flows from investing activities: Net sale (purchases) of short-term investments — 2,493 (2,473 ) Net purchase of property and equipment (13 ) (18 ) (150 ) Sale of DFSC — — 33,923 Sale of equity securities - available for sale — — 20,287 Investment in subsidiaries (916 ) (1,037 ) (18,283 ) Net cash (used) received (929 ) 1,438 33,304 Cash flows from financing activities: Cash dividends paid (19,099 ) (16,976 ) (16,093 ) Issuance of common stock 15,433 20,654 6,481 Payments on lines of credit — — (25,000 ) Net cash (used) received (3,666 ) 3,678 (34,612 ) Net change in cash (946 ) 12,971 808 Cash at beginning of year 15,321 2,350 1,542 Cash at end of year $ 14,375 $ 15,321 $ 2,350

Segment Information (Tables)

Segment Information (Tables)	12 Months Ended
	Dec. 31, 2021
Segment Information [Abstract]
Financial Data by Segment	Financial data by segment is as follows: 2021 2020 2019 (in thousands) Revenues: Premiums earned: Commercial lines $ 468,433 $ 412,877 $ 385,465 Personal lines 307,582 329,163 370,613 GAAP premiums earned 776,015 742,040 756,078 Net investment income 31,126 29,504 29,515 Investment gains 6,477 2,778 21,985 Equity in earnings of DFSC — — 295 Other 2,848 3,497 4,578 Total revenues $ 816,466 $ 777,819 $ 812,451 2021 2020 2019 (in thousands) Income before income taxes: Underwriting (loss) income: Commercial lines $ (35,174 ) $ (858 ) $ 8,404 Personal lines 17,235 31,764 (1,617 ) SAP underwriting (loss) income (17,939 ) 30,906 6,787 GAAP adjustments 9,945 (959 ) (3,079 ) GAAP underwriting (loss) income (7,994 ) 29,947 3,708 Net investment income 31,126 29,504 29,515 Investment gains 6,477 2,778 21,985 Equity in earnings of DFSC — — 295 Other 730 1,043 1,578 Income before income taxes $ 30,339 $ 63,272 $ 57,081

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Details)	Mar. 08, 2019USD ($)	Dec. 31, 2021USD ($)SegmentState	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Organization and Business [Abstract]
Number of operating segments | Segment		3
Premiums and losses related to certain products		74.00%	69.30%	63.50%
Number of states | State		4
Stock-Based Compensation [Abstract]
Tax benefit for tax deductions related to option exercises		$ 438,850	$ 302,901	$ 64,765
Earnings Per Share [Abstract]
Minimum percentage of class A common stock declared dividend excess over class B dividend		10.00%
Atlantic States [Member]
Organization and Business [Abstract]
Percentage of share in results of pooled business subsidiary		80.00%
Donegal Mutual Insurance Company [Member]
Organization and Business [Abstract]
Voting power percentage of outstanding common stock		70.00%
Premiums and losses related to certain products		100.00%
Donegal Mutual Insurance Company [Member] | Class A Common Stock [Member]
Organization and Business [Abstract]
Stock ownership percentage held by major shareholder		41.00%
Donegal Mutual Insurance Company [Member] | Class B Common Stock [Member]
Organization and Business [Abstract]
Stock ownership percentage held by major shareholder		84.00%
Donegal Financial Services Corporation [Member]
Organization and Business [Abstract]
Proceeds from dividend	$ 14,100,000
Equity ownership percentage	48.20%
Gain on sale of equity investments				$ 12,700,000
Donegal Financial Services Corporation [Member] | Donegal Mutual Insurance Company [Member]
Organization and Business [Abstract]
Consideration from sale of business	$ 85,800,000
Proceeds from dividend	29,200,000
Consideration received in cash	20,500,000
Consideration from sale of business fair value at closing date	$ 20,900,000

Transactions with Affiliates, R

Transactions with Affiliates, Reinsurance Pooling and Other Reinsurance Arrangements (Details)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Reinsurance Pooling and Other Reinsurance Arrangements [Abstract]
Premiums and losses related to certain products	74.00%	69.30%	63.50%
Atlantic States [Member]
Reinsurance Pooling and Other Reinsurance Arrangements [Abstract]
Percentage of share in results of pooled business subsidiary	80.00%
Donegal Mutual [Member]
Reinsurance Pooling and Other Reinsurance Arrangements [Abstract]
Premiums and losses related to certain products	100.00%
Percentage of share in results of pooled business owned by third party	20.00%

Transactions with Affiliates,_2

Transactions with Affiliates, Reinsurance Atlantic States Ceded to Pool (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Reinsurance Pooling and Other Reinsurance Arrangements [Abstract]
Premiums earned	$ 399,284,886	$ 356,669,937	$ 314,859,014
Prepaid reinsurance premiums	176,935,842	169,418,333
Affiliated Entity [Member] | Atlantic States [Member]
Reinsurance Pooling and Other Reinsurance Arrangements [Abstract]
Premiums earned	305,729,418	266,400,636	218,642,984
Losses and loss expenses	222,737,225	181,205,743	173,238,503
Prepaid reinsurance premiums	152,323,262	146,387,565	116,189,929
Liability for losses and loss expenses	$ 274,033,812	$ 232,540,607	$ 183,326,589

Transactions with Affiliates,_3

Transactions with Affiliates, Reinsurance Atlantic States Assumed from Pool (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Reinsurance Pooling and Other Reinsurance Arrangements [Abstract]
Premiums earned	$ 573,891,506	$ 514,172,696	$ 479,835,610
Unearned premiums	572,958,422	537,189,598
Liability for losses and loss expenses	581,531,000
Affiliated Entity [Member] | Atlantic States [Member]
Reinsurance Pooling and Other Reinsurance Arrangements [Abstract]
Premiums earned	573,891,394	514,172,448	479,835,362
Losses and loss expenses	383,455,320	309,315,497	309,852,141
Unearned premiums	289,976,879	262,004,199	237,106,338
Liability for losses and loss expenses	$ 455,564,733	$ 377,530,215	$ 322,658,731

Transactions with Affiliates,_4

Transactions with Affiliates, Reinsurance Ceded to Donegal Mutual Pursuant to Quota-Share Reinsurance Agreements (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Reinsurance Pooling and Other Reinsurance Arrangements [Abstract]
Premiums and losses related to certain products	74.00%	69.30%	63.50%
Premiums earned	$ 399,284,886	$ 356,669,937	$ 314,859,014
Prepaid reinsurance premiums	$ 176,935,842	169,418,333
Donegal Mutual [Member]
Reinsurance Pooling and Other Reinsurance Arrangements [Abstract]
Premiums and losses related to business of MICO	25.00%
Premiums and losses related to certain products	100.00%
Premiums earned	$ 37,996,474	39,315,398	42,079,112
Losses and loss expenses	20,037,608	15,471,037	19,617,787
Prepaid reinsurance premiums	18,548,821	17,155,909	19,217,849
Liability for losses and loss expenses	$ 36,659,853	$ 35,306,627	$ 36,597,834

Transactions with Affiliates, I

Transactions with Affiliates, Insurance Subsidiaries Ceded to Donegal Mutual Pursuant to Reinsurance Agreements (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Reinsurance Pooling and Other Reinsurance Arrangements [Abstract]
Premiums earned	$ 399,284,886	$ 356,669,937	$ 314,859,014
Insurance Subsidiaries [Member]
Reinsurance Pooling and Other Reinsurance Arrangements [Abstract]
Coverage under catastrophic occurrence	5,000,000
Premiums earned	361,300,053	321,311,172	275,126,732
Donegal Mutual [Member]
Reinsurance Pooling and Other Reinsurance Arrangements [Abstract]
Coverage under catastrophic occurrence	2,000,000
Premiums earned	37,996,474	39,315,398	42,079,112
Losses and loss expenses	20,037,608	15,471,037	19,617,787
Liability for losses and loss expenses	36,659,853	35,306,627	36,597,834
Catastrophe Reinsurance [Member] | Insurance Subsidiaries [Member]
Reinsurance Pooling and Other Reinsurance Arrangements [Abstract]
Premiums earned	17,574,161	15,595,138	14,404,636
Losses and loss expenses	9,309,624	25,259,527	13,769,736
Liability for losses and loss expenses	$ 1,658,057	$ 3,812,339	$ 3,149,907

Transactions with Affiliates, A

Transactions with Affiliates, Affiliated Reinsurance Transactions on Net Premiums of Insurance Subsidiaries Earned (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Reinsurance Pooling and Other Reinsurance Arrangements [Abstract]
Assumed	$ 573,891,506	$ 514,172,696	$ 479,835,610
Ceded	(399,284,886)	(356,669,937)	(314,859,014)
Net	212,591,341	192,861,276	204,708,630
Insurance Subsidiaries [Member]
Reinsurance Pooling and Other Reinsurance Arrangements [Abstract]
Assumed	573,891,394	514,172,448	479,835,362
Ceded	(361,300,053)	(321,311,172)	(275,126,732)
Net	$ 212,591,341	$ 192,861,276	$ 204,708,630

Transactions with Affiliates,_5

Transactions with Affiliates, Reinsurance Transactions on Net Losses and Loss Expenses of Insurance Subsidiaries Incurred (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Reinsurance Pooling and Other Reinsurance Arrangements [Abstract]
Assumed	$ 601,864,198	$ 539,070,557	$ 485,233,762
Ceded	(406,802,395)	(383,612,503)	(322,204,999)
Net	804,266,509	742,139,893	752,601,289
Insurance Subsidiaries [Member]
Reinsurance Pooling and Other Reinsurance Arrangements [Abstract]
Assumed	383,452,056	309,311,098	309,844,705
Ceded	(252,084,457)	(221,936,307)	(206,626,026)
Net	$ 131,367,599	$ 87,374,791	$ 103,218,679

Transactions with Affiliates, E

Transactions with Affiliates, Expense Sharing (Details) - Donegal Mutual [Member] - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Expense Sharing [Abstract]
Charges for services	$ 186,568,897	$ 153,941,121	$ 134,143,158
Infrastructure related costs allocated	5,100,000	$ 2,800,000
Proportionate share of the remaining infrastructure costs	34,300,000
Deferred costs	$ 3,400,000

Transactions with Affiliates, L

Transactions with Affiliates, Lease Agreement (Details) - Office Equipment [Member]	Dec. 31, 2021
Minimum [Member]
Lease Agreement [Abstract]
Lease agreement term	3 years
Maximum [Member]
Lease Agreement [Abstract]
Lease agreement term	10 years

Investments, Amortized Cost and

Investments, Amortized Cost and Estimated Fair Values of Fixed Maturities (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Amortized Cost and Estimated Fair Values of Fixed Maturities [Abstract]
Total held to maturity, amortized cost	$ 668,104,568	$ 586,609,439
Held to maturity, gross unrealized gains	32,032,358	46,603,457
Held to maturity, gross unrealized losses	2,735,962	572,075
Held to maturity, estimated fair value	697,400,964	632,640,821
Total available for sale, amortized cost	523,293,046	534,958,100
Available for sale, gross unrealized gains	11,964,254	20,512,084
Available for sale, gross unrealized losses	2,628,285	334,167
Available for sale, estimated fair value	532,629,015	555,136,017
U.S. Treasury Securities and Obligations of U.S. Government Corporations and Agencies [Member]
Amortized Cost and Estimated Fair Values of Fixed Maturities [Abstract]
Total held to maturity, amortized cost	89,267,988	77,435,268
Held to maturity, gross unrealized gains	1,922,976	3,983,890
Held to maturity, gross unrealized losses	1,015,040	223,564
Held to maturity, estimated fair value	90,175,924	81,195,594
Total available for sale, amortized cost	32,501,080	47,511,872
Available for sale, gross unrealized gains	144,377	423,855
Available for sale, gross unrealized losses	460,831	121,015
Available for sale, estimated fair value	32,184,626	47,814,712
Obligations of States and Political Subdivisions [Member]
Amortized Cost and Estimated Fair Values of Fixed Maturities [Abstract]
Total held to maturity, amortized cost	371,435,776	312,319,238
Held to maturity, gross unrealized gains	17,856,745	23,211,483
Held to maturity, gross unrealized losses	948,113	142,750
Held to maturity, estimated fair value	388,344,408	335,387,971
Total available for sale, amortized cost	55,458,687	66,286,667
Available for sale, gross unrealized gains	2,002,035	2,690,335
Available for sale, gross unrealized losses	82,631	11,765
Available for sale, estimated fair value	57,378,091	68,965,237
Corporate Securities [Member]
Amortized Cost and Estimated Fair Values of Fixed Maturities [Abstract]
Total held to maturity, amortized cost	191,147,051	173,269,560
Held to maturity, gross unrealized gains	11,576,693	18,172,244
Held to maturity, gross unrealized losses	772,809	205,761
Held to maturity, estimated fair value	201,950,935	191,236,043
Total available for sale, amortized cost	215,668,644	202,396,309
Available for sale, gross unrealized gains	6,817,036	10,496,218
Available for sale, gross unrealized losses	874,405	184,464
Available for sale, estimated fair value	221,611,275	212,708,063
Mortgage-Backed Securities [Member]
Amortized Cost and Estimated Fair Values of Fixed Maturities [Abstract]
Total held to maturity, amortized cost	16,253,753	23,585,373
Held to maturity, gross unrealized gains	675,944	1,235,840
Held to maturity, gross unrealized losses	0	0
Held to maturity, estimated fair value	16,929,697	24,821,213
Total available for sale, amortized cost	219,664,635	218,763,252
Available for sale, gross unrealized gains	3,000,806	6,901,676
Available for sale, gross unrealized losses	1,210,418	16,923
Available for sale, estimated fair value	$ 221,455,023	$ 225,648,005

Investments, Summary (Details)

Investments, Summary (Details) - USD ($)	Nov. 30, 2013	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Investments [Abstract]
Net unrealized losses arising prior to reclassification date	$ 15,100,000
Amortization of other comprehensive loss		$ 897,073	$ 1,400,000	$ 1,200,000
Accumulated other comprehensive loss		3,283,551	11,130,612
Obligations of States and Political Subdivisions [Member]
Investments [Abstract]
Aggregate fair value of bond held		284,900,000	263,600,000
Amortized cost of bond held		272,700,000	247,500,000
Special Revenue Bonds [Member]
Investments [Abstract]
Aggregate fair value of bond held		160,800,000	140,800,000
Amortized cost of bond held		$ 154,200,000	$ 131,100,000
Education Bonds [Member]
Investments [Abstract]
Percentage of investments in special revenue bonds		48.00%	44.00%
Water and Sewer Utility Bonds [Member]
Investments [Abstract]
Percentage of investments in special revenue bonds		35.00%	39.00%
Accumulated Net Unrealized Investment Losses [Member]
Investments [Abstract]
Accumulated other comprehensive loss		$ 5,200,000	$ 6,100,000
Minimum [Member]
Investments [Abstract]
Percentage of which the company held security of any issuer		10.00%	10.00%

Investments, Amortized Cost a_2

Investments, Amortized Cost and Estimated Fair Value of Fixed Maturities by Contractual Maturity (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Held To Maturity, [Abstract]
Due in one year or less, amortized cost	$ 29,359,965
Due after one year through five years, amortized cost	84,797,619
Due after five years through ten years, amortized cost	229,972,129
Due after ten years, amortized cost	307,721,102
Mortgage-backed securities, amortized cost	16,253,753
Total held to maturity, amortized cost	668,104,568	$ 586,609,439
Available For Sale [Abstract]
Due in one year or less, amortized cost	19,157,465
Due after one year through five years, amortized cost	124,209,793
Due after five years through ten years, amortized cost	130,046,327
Due after ten years, amortized cost	30,214,826
Mortgage-backed securities, amortized cost	219,664,635
Total available for sale, amortized cost	523,293,046	534,958,100
Held To Maturity [Abstract]
Due in one year or less, estimated fair value	30,170,296
Due after one year through five years, estimated fair value	89,011,185
Due after five years through ten years, estimated fair value	238,657,219
Due after ten years, estimated fair value	322,632,567
Mortgage-backed securities, estimated fair value	16,929,697
Total held to maturity, estimated fair value	697,400,964	632,640,821
Available For Sale [Abstract]
Due in one year or less, estimated fair value	19,411,213
Due after one year through five years, estimated fair value	128,340,492
Due after five years through ten years, estimated fair value	132,293,644
Due after ten years, estimated fair value	31,128,643
Mortgage-backed securities, estimated fair value	221,455,023
Total available for sale, estimated fair value	$ 532,629,015	$ 555,136,017

Investments, Cost and Estimated

Investments, Cost and Estimated Fair Value of Equity Securities (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Cost and Estimated Fair Value of Equity Securities [Abstract]
Cost	$ 43,262,577	$ 42,409,750
Gross gains	20,413,667	17,103,055
Gross losses	256,271	956,632
Estimated fair value	63,419,973	58,556,173
Amortized cost of fixed maturities on deposit with various regulatory authorities	$ 8,852,886	$ 9,114,791

Investments, Net Investment Inc

Investments, Net Investment Income, Consisting Primarily of Interest and Dividends (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Net Investment Income [Abstract]
Investment income	$ 34,132,193	$ 32,593,216	$ 32,510,185
Investment expenses	(3,006,562)	(3,088,750)	(2,995,230)
Net investment income	31,125,631	29,504,466	29,514,955
Short-term investments [Member]
Net Investment Income [Abstract]
Investment income	321,117	427,392	1,243,104
Fixed Maturities [Member]
Net Investment Income [Abstract]
Investment income	32,343,878	30,750,231	29,969,774
Equity Securities [Member]
Net Investment Income [Abstract]
Investment income	1,437,948	1,386,343	1,268,056
Other [Member]
Net Investment Income [Abstract]
Investment income	$ 29,250	$ 29,250	$ 29,251

Investments, Gross Investment G

Investments, Gross Investment Gains and Losses before Applicable Income Taxes (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Net Gains and Losses from Investments [Abstract]
Gross realized gains	$ 2,107,189	$ 924,425	$ 14,679,728
Gross realized losses	756,461	3,801,547	1,594,047
Net realized gains (losses)	1,350,728	(2,877,122)	13,085,681
Gross unrealized gains on equity securities	20,413,667	17,103,055
Gross unrealized losses on equity securities	(256,271)	(956,632)
Net realized investment gains	6,477,286	2,777,919	21,984,617
Change in difference between fair value and cost of investments	(23,565,961)	37,964,215	47,981,583
Fixed Maturities [Member]
Net Gains and Losses from Investments [Abstract]
Gross realized gains	676,724	818,350	470,983
Gross realized losses	294,126	246,243	323,746
Change in difference between fair value and cost of investments	(27,576,934)	33,876,212	38,647,456
Investments In Affiliates [Member]
Net Gains and Losses from Investments [Abstract]
Gross realized gains	0	0	12,662,147
Equity Securities [Member]
Net Gains and Losses from Investments [Abstract]
Gross realized gains	1,430,465	106,075	1,546,598
Gross realized losses	462,335	3,555,304	1,270,301
Gross unrealized gains on equity securities	5,627,949	8,426,806	8,924,687
Gross unrealized losses on equity securities	(501,391)	(2,771,765)	(25,751)
Change in difference between fair value and cost of investments	$ 4,010,973	$ 4,088,003	$ 9,334,127

Investments, Fixed Maturities w

Investments, Fixed Maturities with Unrealized Losses (Details)	12 Months Ended
	Dec. 31, 2021USD ($)Securities	Dec. 31, 2020USD ($)
Debt Securities, Fair Value and Unrealized Losses by Fixed Maturities [Abstract]
Less than 12 months, fair value	$ 267,088,512	$ 67,739,864
Less than 12 months, unrealized losses	4,049,322	629,125
More than 12 months, fair value	39,340,696	8,466,206
More than 12 months, unrealized losses	1,314,925	277,117
Impairment losses	0	0
Sales or transfers, held to maturity	0	0
Derivative instruments or hedging activities	$ 0	0
Fixed Maturities [Member]
Debt Securities, Fair Value and Unrealized Losses by Fixed Maturities [Abstract]
Number of fixed maturity securities classified as available for sale | Securities	150
U.S. Treasury Securities and Obligations of U.S. Government Corporations and Agencies [Member]
Debt Securities, Fair Value and Unrealized Losses by Fixed Maturities [Abstract]
Less than 12 months, fair value	$ 27,691,051	29,144,224
Less than 12 months, unrealized losses	412,055	344,579
More than 12 months, fair value	28,426,248	0
More than 12 months, unrealized losses	1,063,816	0
Obligations of States and Political Subdivisions [Member]
Debt Securities, Fair Value and Unrealized Losses by Fixed Maturities [Abstract]
Less than 12 months, fair value	56,654,480	9,361,435
Less than 12 months, unrealized losses	899,139	154,515
More than 12 months, fair value	7,090,499	0
More than 12 months, unrealized losses	131,605	0
Corporate Securities [Member]
Debt Securities, Fair Value and Unrealized Losses by Fixed Maturities [Abstract]
Less than 12 months, fair value	92,736,747	26,142,933
Less than 12 months, unrealized losses	1,609,931	114,606
More than 12 months, fair value	1,462,717	8,229,646
More than 12 months, unrealized losses	37,283	275,619
Mortgage-Backed Securities [Member]
Debt Securities, Fair Value and Unrealized Losses by Fixed Maturities [Abstract]
Less than 12 months, fair value	90,006,234	3,091,272
Less than 12 months, unrealized losses	1,128,197	15,425
More than 12 months, fair value	2,361,232	236,560
More than 12 months, unrealized losses	$ 82,221	$ 1,498

Fair Value Measurements (Detail

Fair Value Measurements (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	$ 532,629,015	$ 555,136,017
Equity securities, at fair value	63,419,973	58,556,173
U.S. Treasury Securities and Obligations of U.S. Government Corporations and Agencies [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	32,184,626	47,814,712
Obligations of States and Political Subdivisions [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	57,378,091	68,965,237
Mortgage-Backed Securities [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	221,455,023	225,648,005
Recurring Basis [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Equity securities, at fair value	63,419,973	58,556,173
Investments in the fair value hierarchy	596,048,988	613,692,190
Recurring Basis [Member] | U.S. Treasury Securities and Obligations of U.S. Government Corporations and Agencies [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	32,184,626	47,814,712
Recurring Basis [Member] | Obligations of States and Political Subdivisions [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	57,378,091	68,965,237
Recurring Basis [Member] | Corporate Securities [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	221,611,275	212,708,063
Recurring Basis [Member] | Mortgage-Backed Securities [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	221,455,023	225,648,005
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Equity securities, at fair value	61,130,385	54,152,085
Investments in the fair value hierarchy	61,130,385	54,152,085
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Treasury Securities and Obligations of U.S. Government Corporations and Agencies [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	0	0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Obligations of States and Political Subdivisions [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	0	0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Corporate Securities [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	0	0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Mortgage-Backed Securities [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	0	0
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Equity securities, at fair value	2,289,588	4,404,088
Investments in the fair value hierarchy	534,918,603	559,540,105
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Treasury Securities and Obligations of U.S. Government Corporations and Agencies [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	32,184,626	47,814,712
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Obligations of States and Political Subdivisions [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	57,378,091	68,965,237
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Corporate Securities [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	221,611,275	212,708,063
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Mortgage-Backed Securities [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	221,455,023	225,648,005
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Equity securities, at fair value	0	0
Investments in the fair value hierarchy	0	0
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | U.S. Treasury Securities and Obligations of U.S. Government Corporations and Agencies [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	0	0
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Obligations of States and Political Subdivisions [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	0	0
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Corporate Securities [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	0	0
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Mortgage-Backed Securities [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Available for sale, at fair value	$ 0	$ 0

Deferred Policy Acquisition C_3

Deferred Policy Acquisition Costs (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Deferred Policy Acquisition Costs [Abstract]
Beginning Balance	$ 59,156,958	$ 59,284,859	$ 60,615,127
Acquisition costs deferred	137,604,415	118,944,099	121,112,732
Amortization charged to earnings	(128,733,000)	(119,072,000)	(122,443,000)
Ending Balance	$ 68,028,373	$ 59,156,958	$ 59,284,859

Property and Equipment (Details

Property and Equipment (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Property and Equipment [Abstract]
Property and equipment, Gross	$ 12,667,723	$ 16,097,446
Accumulated depreciation	(9,710,793)	(11,707,069)
Property and equipment, Net	2,956,930	4,390,377
Depreciation expense	208,641	257,397	$ 282,235
Office Equipment [Member]
Property and Equipment [Abstract]
Property and equipment, Gross	$ 8,382,877	8,809,344
Office Equipment [Member] | Minimum [Member]
Property and Equipment [Abstract]
Estimated useful life	3 years
Office Equipment [Member] | Maximum [Member]
Property and Equipment [Abstract]
Estimated useful life	15 years
Automobiles [Member]
Property and Equipment [Abstract]
Property and equipment, Gross	$ 322,703	301,119
Estimated useful life	5 years
Real Estate [Member]
Property and Equipment [Abstract]
Property and equipment, Gross	$ 2,575,207	4,921,056
Real Estate [Member] | Minimum [Member]
Property and Equipment [Abstract]
Estimated useful life	5 years
Real Estate [Member] | Maximum [Member]
Property and Equipment [Abstract]
Estimated useful life	50 years
Software [Member]
Property and Equipment [Abstract]
Property and equipment, Gross	$ 1,386,936	$ 2,065,927
Estimated useful life	5 years

Liability for Losses and Loss_3

Liability for Losses and Loss Expenses, Summary of Insurance Subsidiaries' Liability for Losses and Loss Expenses (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Liability for Claims and Claims Adjustment Expense [Abstract]
Balance at January 1	$ 962,007,437	$ 869,673,849	$ 814,665,224
Less reinsurance recoverable	(404,818,480)	(362,768,427)	(339,267,525)
Net balance at January 1	557,188,957	506,905,422	475,397,699
Incurred related to:
Current year	551,917,571	472,709,060	519,319,941
Prior years	(31,208,029)	(12,944,767)	(12,932,277)
Total incurred	520,709,542	459,764,293	506,387,664
Paid related to:
Current year	269,316,762	236,984,291	278,923,614
Prior years	182,222,742	172,496,467	195,956,327
Total paid	451,539,504	409,480,758	474,879,941
Net balance at end of period	626,358,995	557,188,957	506,905,422	$ 475,397,699
Plus reinsurance recoverable	451,261,306	404,818,480	362,768,427	339,267,525
Balance at end of period	$ 1,077,620,301	$ 962,007,437	$ 869,673,849	$ 814,665,224
Percentage of development		5.60%	2.60%	2.70%

Liability for Losses and Loss_4

Liability for Losses and Loss Expenses, Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance (Details) Claim in Thousands, $ in Thousands	Dec. 31, 2021USD ($)Claim	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)	Dec. 31, 2012USD ($)
Personal Automobile [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 1,428,518
Personal Automobile [Member] | 2012 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	136,542	$ 136,648	$ 136,677	$ 136,141	$ 136,463	$ 136,552	$ 136,493	$ 135,592	$ 133,201	$ 130,415
Total IBNR plus expected development on reported claims	$ 98
Cumulative number of reported claims | Claim	69
Personal Automobile [Member] | 2013 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 132,787	132,690	132,853	132,934	132,604	132,643	131,594	130,737	124,965
Total IBNR plus expected development on reported claims	$ 106
Cumulative number of reported claims | Claim	66
Personal Automobile [Member] | 2014 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 126,977	126,861	126,734	126,779	126,200	124,210	124,806	124,426
Total IBNR plus expected development on reported claims	$ 131
Cumulative number of reported claims | Claim	71
Personal Automobile [Member] | 2015 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 142,010	142,073	142,408	142,493	139,181	139,333	137,569
Total IBNR plus expected development on reported claims	$ 293
Cumulative number of reported claims | Claim	70
Personal Automobile [Member] | 2016 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 156,436	156,935	157,943	157,516	153,937	150,216
Total IBNR plus expected development on reported claims	$ 728
Cumulative number of reported claims | Claim	73
Personal Automobile [Member] | 2017 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 173,730	174,784	175,939	127,728	166,690
Total IBNR plus expected development on reported claims	$ 1,328
Cumulative number of reported claims | Claim	79
Personal Automobile [Member] | 2018 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 180,787	181,558	183,358	186,580
Total IBNR plus expected development on reported claims	$ 3,069
Cumulative number of reported claims | Claim	81
Personal Automobile [Member] | 2019 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 156,300	157,689	161,056
Total IBNR plus expected development on reported claims	$ 5,151
Cumulative number of reported claims | Claim	68
Personal Automobile [Member] | 2020 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 103,585	111,483
Total IBNR plus expected development on reported claims	$ 7,372
Cumulative number of reported claims | Claim	43
Personal Automobile [Member] | 2021 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 119,364
Total IBNR plus expected development on reported claims	$ 20,654
Cumulative number of reported claims | Claim	45
Homeowners [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 654,692
Homeowners [Member] | 2012 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	54,556	54,548	54,537	54,523	54,381	54,281	54,351	54,468	54,794	53,962
Total IBNR plus expected development on reported claims	$ 0
Cumulative number of reported claims | Claim	18
Homeowners [Member] | 2013 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 51,053	51,064	51,008	50,971	50,988	50,874	51,122	51,121	50,887
Total IBNR plus expected development on reported claims	$ 0
Cumulative number of reported claims | Claim	13
Homeowners [Member] | 2014 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 57,371	57,367	57,402	57,288	57,332	57,680	58,378	56,916
Total IBNR plus expected development on reported claims	$ 0
Cumulative number of reported claims | Claim	16
Homeowners [Member] | 2015 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 63,043	62,993	63,099	63,071	63,053	63,925	63,359
Total IBNR plus expected development on reported claims	$ 19
Cumulative number of reported claims | Claim	13
Homeowners [Member] | 2016 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 63,409	63,279	63,355	63,735	64,064	62,443
Total IBNR plus expected development on reported claims	$ 12
Cumulative number of reported claims | Claim	12
Homeowners [Member] | 2017 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 79,065	79,247	79,305	79,911	79,283
Total IBNR plus expected development on reported claims	$ 144
Cumulative number of reported claims | Claim	17
Homeowners [Member] | 2018 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 82,566	82,905	83,385	81,965
Total IBNR plus expected development on reported claims	$ 538
Cumulative number of reported claims | Claim	18
Homeowners [Member] | 2019 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 73,234	73,554	73,294
Total IBNR plus expected development on reported claims	$ 912
Cumulative number of reported claims | Claim	16
Homeowners [Member] | 2020 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 62,718	61,633
Total IBNR plus expected development on reported claims	$ 1,567
Cumulative number of reported claims | Claim	13
Homeowners [Member] | 2021 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 67,677
Total IBNR plus expected development on reported claims	$ 6,208
Cumulative number of reported claims | Claim	11
Commercial Automobile [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 673,489
Commercial Automobile [Member] | 2012 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	31,922	31,930	31,896	31,803	31,648	31,278	31,435	30,606	27,720	26,557
Total IBNR plus expected development on reported claims	$ 15
Cumulative number of reported claims | Claim	8
Commercial Automobile [Member] | 2013 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 36,165	36,181	36,569	36,435	36,404	35,240	34,751	33,749	32,902
Total IBNR plus expected development on reported claims	$ 53
Cumulative number of reported claims | Claim	8
Commercial Automobile [Member] | 2014 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 49,291	49,308	49,168	49,284	48,213	47,326	44,544	42,760
Total IBNR plus expected development on reported claims	$ 91
Cumulative number of reported claims | Claim	11
Commercial Automobile [Member] | 2015 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 53,793	54,619	54,517	54,259	51,412	48,323	46,526
Total IBNR plus expected development on reported claims	$ 234
Cumulative number of reported claims | Claim	12
Commercial Automobile [Member] | 2016 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 66,085	66,894	67,127	65,905	57,353	54,302
Total IBNR plus expected development on reported claims	$ 338
Cumulative number of reported claims | Claim	13
Commercial Automobile [Member] | 2017 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 65,310	67,249	67,697	67,927	61,484
Total IBNR plus expected development on reported claims	$ 895
Cumulative number of reported claims | Claim	13
Commercial Automobile [Member] | 2018 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 83,043	82,313	81,396	79,307
Total IBNR plus expected development on reported claims	$ 2,306
Cumulative number of reported claims | Claim	15
Commercial Automobile [Member] | 2019 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 90,290	91,245	88,864
Total IBNR plus expected development on reported claims	$ 7,365
Cumulative number of reported claims | Claim	16
Commercial Automobile [Member] | 2020 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 87,766	90,367
Total IBNR plus expected development on reported claims	$ 14,996
Cumulative number of reported claims | Claim	14
Commercial Automobile [Member] | 2021 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 109,824
Total IBNR plus expected development on reported claims	$ 41,282
Cumulative number of reported claims | Claim	14
Commercial Multi-Peril [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 617,599
Commercial Multi-Peril [Member] | 2012 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	36,844	36,662	36,876	36,525	36,214	35,755	34,117	32,449	30,716	29,789
Total IBNR plus expected development on reported claims	$ 0
Cumulative number of reported claims | Claim	6
Commercial Multi-Peril [Member] | 2013 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 37,630	37,495	37,453	37,365	37,981	37,205	37,292	35,679	35,683
Total IBNR plus expected development on reported claims	$ 0
Cumulative number of reported claims | Claim	6
Commercial Multi-Peril [Member] | 2014 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 52,933	52,926	53,116	53,294	52,336	51,843	50,135	48,204
Total IBNR plus expected development on reported claims	$ 79
Cumulative number of reported claims | Claim	7
Commercial Multi-Peril [Member] | 2015 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 45,420	45,366	45,873	45,104	44,728	43,874	42,070
Total IBNR plus expected development on reported claims	$ 135
Cumulative number of reported claims | Claim	6
Commercial Multi-Peril [Member] | 2016 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 48,823	48,732	48,871	48,267	46,988	43,005
Total IBNR plus expected development on reported claims	$ 373
Cumulative number of reported claims | Claim	6
Commercial Multi-Peril [Member] | 2017 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 55,076	54,812	56,517	56,043	56,185
Total IBNR plus expected development on reported claims	$ 674
Cumulative number of reported claims | Claim	7
Commercial Multi-Peril [Member] | 2018 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 67,810	67,749	66,470	66,265
Total IBNR plus expected development on reported claims	$ 3,653
Cumulative number of reported claims | Claim	7
Commercial Multi-Peril [Member] | 2019 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 76,326	73,836	71,865
Total IBNR plus expected development on reported claims	$ 8,159
Cumulative number of reported claims | Claim	7
Commercial Multi-Peril [Member] | 2020 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 79,910	83,195
Total IBNR plus expected development on reported claims	$ 15,880
Cumulative number of reported claims | Claim	8
Commercial Multi-Peril [Member] | 2021 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 116,827
Total IBNR plus expected development on reported claims	$ 37,194
Cumulative number of reported claims | Claim	6
Workers Compensation [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 491,969
Workers Compensation [Member] | 2012 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	36,056	36,014	35,932	35,954	36,468	37,163	37,926	38,827	39,516	$ 39,142
Total IBNR plus expected development on reported claims	$ 39
Cumulative number of reported claims | Claim	5
Workers Compensation [Member] | 2013 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 42,427	42,341	42,651	42,555	42,327	42,828	44,289	47,027	$ 46,325
Total IBNR plus expected development on reported claims	$ 70
Cumulative number of reported claims | Claim	6
Workers Compensation [Member] | 2014 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 47,620	47,849	47,693	47,540	48,537	49,288	51,553	$ 51,508
Total IBNR plus expected development on reported claims	$ 68
Cumulative number of reported claims | Claim	6
Workers Compensation [Member] | 2015 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 42,225	42,597	43,006	44,986	45,991	49,615	$ 53,332
Total IBNR plus expected development on reported claims	$ 328
Cumulative number of reported claims | Claim	5
Workers Compensation [Member] | 2016 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 43,559	44,098	44,969	47,883	49,802	$ 58,814
Total IBNR plus expected development on reported claims	$ 532
Cumulative number of reported claims | Claim	5
Workers Compensation [Member] | 2017 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 49,557	51,464	52,687	56,351	$ 60,450
Total IBNR plus expected development on reported claims	$ 1,461
Cumulative number of reported claims | Claim	5
Workers Compensation [Member] | 2018 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 47,912	52,514	55,291	$ 62,197
Total IBNR plus expected development on reported claims	$ 2,171
Cumulative number of reported claims | Claim	6
Workers Compensation [Member] | 2019 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 57,728	59,624	$ 60,998
Total IBNR plus expected development on reported claims	$ 3,474
Cumulative number of reported claims | Claim	6
Workers Compensation [Member] | 2020 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 57,850	$ 57,172
Total IBNR plus expected development on reported claims	$ 5,494
Cumulative number of reported claims | Claim	5
Workers Compensation [Member] | 2021 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Incurred claims and allocated claim adjustment expenses, net of reinsurance	$ 67,035
Total IBNR plus expected development on reported claims	$ 21,111
Cumulative number of reported claims | Claim	6

Liability for Losses and Loss_5

Liability for Losses and Loss Expenses, Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Personal Automobile [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	$ 1,328,014
All outstanding liabilities before 2012, net of reinsurance	925
Liabilities for claims and claims adjustment expenses, net of reinsurance	101,429
Personal Automobile [Member] | 2012 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	136,186	$ 136,165	$ 136,137	$ 135,132	$ 134,581	$ 133,428	$ 130,862	$ 124,652	$ 111,941	$ 87,517
Personal Automobile [Member] | 2013 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	132,300	132,215	131,642	131,326	130,026	125,946	120,118	109,051	84,241
Personal Automobile [Member] | 2014 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	125,762	125,619	124,926	123,815	120,491	114,893	104,736	85,377
Personal Automobile [Member] | 2015 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	140,892	140,028	139,121	135,027	128,395	116,303	93,611
Personal Automobile [Member] | 2016 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	154,769	153,521	151,159	143,321	129,507	102,433
Personal Automobile [Member] | 2017 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	169,190	166,099	159,879	142,372	111,964
Personal Automobile [Member] | 2018 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	169,651	163,036	150,175	115,585
Personal Automobile [Member] | 2019 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	141,004	127,187	103,101
Personal Automobile [Member] | 2020 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	81,783	66,084
Personal Automobile [Member] | 2021 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	76,477
Homeowners [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	631,850
All outstanding liabilities before 2012, net of reinsurance	118
Liabilities for claims and claims adjustment expenses, net of reinsurance	22,960
Homeowners [Member] | 2012 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	54,560	54,553	54,557	54,557	54,356	54,317	54,298	54,028	53,619	46,566
Homeowners [Member] | 2013 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	50,955	50,965	50,967	50,902	51,043	50,478	50,210	49,410	40,949
Homeowners [Member] | 2014 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	57,339	57,336	57,243	56,995	57,195	56,990	56,255	45,823
Homeowners [Member] | 2015 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	62,936	62,943	62,844	62,590	62,204	61,542	51,885
Homeowners [Member] | 2016 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	63,217	63,162	63,144	62,760	61,145	50,125
Homeowners [Member] | 2017 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	78,454	78,127	78,006	77,663	67,077
Homeowners [Member] | 2018 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	81,464	80,905	79,892	70,385
Homeowners [Member] | 2019 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	70,416	69,145	58,074
Homeowners [Member] | 2020 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	60,348	51,226
Homeowners [Member] | 2021 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	52,161
Commercial Automobile [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	512,718
All outstanding liabilities before 2012, net of reinsurance	46
Liabilities for claims and claims adjustment expenses, net of reinsurance	160,817
Commercial Automobile [Member] | 2012 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	31,507	31,263	31,228	31,104	30,402	29,873	27,417	23,718	20,240	13,642
Commercial Automobile [Member] | 2013 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	36,087	36,092	36,106	36,004	34,083	31,053	26,879	23,557	16,306
Commercial Automobile [Member] | 2014 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	48,714	48,603	48,418	47,290	44,374	39,436	31,089	22,707
Commercial Automobile [Member] | 2015 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	52,728	51,992	51,605	48,261	41,678	35,342	23,875
Commercial Automobile [Member] | 2016 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	64,421	60,485	57,237	48,837	38,237	27,033
Commercial Automobile [Member] | 2017 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	59,889	57,128	49,703	40,213	28,707
Commercial Automobile [Member] | 2018 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	69,487	57,451	47,941	33,862
Commercial Automobile [Member] | 2019 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	63,575	53,026	36,948
Commercial Automobile [Member] | 2020 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	46,459	31,884
Commercial Automobile [Member] | 2021 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	39,851
Commercial Multi-Peril [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	460,536
All outstanding liabilities before 2012, net of reinsurance	531
Liabilities for claims and claims adjustment expenses, net of reinsurance	157,594
Commercial Multi-Peril [Member] | 2012 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	36,529	36,399	36,329	35,909	35,331	33,327	29,370	26,634	23,384	16,666
Commercial Multi-Peril [Member] | 2013 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	37,488	37,436	37,333	36,321	35,104	33,614	29,159	26,216	19,875
Commercial Multi-Peril [Member] | 2014 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	52,252	52,103	51,615	50,017	47,021	40,936	35,520	27,920
Commercial Multi-Peril [Member] | 2015 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	44,439	44,090	42,849	39,162	34,323	29,419	21,837
Commercial Multi-Peril [Member] | 2016 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	44,944	43,435	41,193	34,612	29,402	19,660
Commercial Multi-Peril [Member] | 2017 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	49,488	46,361	42,691	36,926	27,399
Commercial Multi-Peril [Member] | 2018 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	54,913	48,050	42,296	30,597
Commercial Multi-Peril [Member] | 2019 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	47,522	41,266	28,210
Commercial Multi-Peril [Member] | 2020 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	46,193	34,729
Commercial Multi-Peril [Member] | 2021 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	46,768
Workers Compensation [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	382,833
All outstanding liabilities before 2012, net of reinsurance	4,643
Liabilities for claims and claims adjustment expenses, net of reinsurance	113,779
Workers Compensation [Member] | 2012 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	34,973	34,691	34,622	34,460	34,177	33,196	31,244	28,812	22,963	$ 11,097
Workers Compensation [Member] | 2013 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	41,209	40,827	40,361	39,617	38,877	36,351	32,783	26,043	$ 13,052
Workers Compensation [Member] | 2014 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	44,671	44,403	43,866	42,465	40,393	36,284	28,513	$ 13,932
Workers Compensation [Member] | 2015 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	39,096	38,596	37,936	36,929	34,192	27,531	$ 13,071
Workers Compensation [Member] | 2016 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	41,543	41,208	40,570	37,178	30,344	$ 14,709
Workers Compensation [Member] | 2017 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	44,242	42,954	39,684	31,990	$ 15,581
Workers Compensation [Member] | 2018 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	41,611	37,072	31,928	$ 17,644
Workers Compensation [Member] | 2019 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	41,740	33,009	$ 16,939
Workers Compensation [Member] | 2020 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	32,817	$ 14,591
Workers Compensation [Member] | 2021 [Member]
Short-duration Insurance Contracts, Liability for Unpaid Claims and Allocated Claim Adjustment Expense, Net [Abstract]
Cumulative paid claims and allocated claim adjustment expenses, net of reinsurance	$ 20,931

Liability for Losses and Loss_6

Liability for Losses and Loss Expenses, Reconciliation of Net Incurred and Paid Claims Development Tables to Liability for Claims and Claim Adjustment Expenses (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Reconciliation of Net Incurred and Paid Claims Development [Abstract]
Net outstanding liabilities	$ 581,531,000
Reinsurance recoverable	428,978,000
Unallocated loss adjustment expenses	67,111,000
Gross liability for unpaid losses and loss expenses	1,077,620,301	$ 962,007,437	$ 869,673,849	$ 814,665,224
Personal Automobile [Member]
Reconciliation of Net Incurred and Paid Claims Development [Abstract]
Net outstanding liabilities	101,429,000
Reinsurance recoverable	110,925,000
Homeowners [Member]
Reconciliation of Net Incurred and Paid Claims Development [Abstract]
Net outstanding liabilities	22,960,000
Reinsurance recoverable	13,200,000
Commercial Automobile [Member]
Reconciliation of Net Incurred and Paid Claims Development [Abstract]
Net outstanding liabilities	160,817,000
Reinsurance recoverable	107,037,000
Commercial Multi-Peril [Member]
Reconciliation of Net Incurred and Paid Claims Development [Abstract]
Net outstanding liabilities	157,593,000
Reinsurance recoverable	98,848,000
Workers Compensation [Member]
Reconciliation of Net Incurred and Paid Claims Development [Abstract]
Net outstanding liabilities	113,779,000
Reinsurance recoverable	92,352,000
Other [Member]
Reconciliation of Net Incurred and Paid Claims Development [Abstract]
Net outstanding liabilities	24,953,000
Reinsurance recoverable	$ 6,616,000

Liability for Losses and Loss_7

Liability for Losses and Loss Expenses, Supplementary Information About Average Historical Claims Duration (Details)	Dec. 31, 2021
Personal Automobile [Member]
Short-duration Insurance Contracts, Historical Claims Duration [Abstract]
Average annual percentage payout of incurred claims by age, net of reinsurance, year 1	64.80%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 2	16.90%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 3	8.60%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 4	4.30%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 5	2.30%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 6	0.80%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 7	0.40%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 8	0.40%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 9	0.00%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 10	0.00%
Homeowners [Member]
Short-duration Insurance Contracts, Historical Claims Duration [Abstract]
Average annual percentage payout of incurred claims by age, net of reinsurance, year 1	81.50%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 2	15.00%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 3	1.30%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 4	0.50%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 5	0.30%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 6	0.10%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 7	0.20%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 8	0.00%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 9	0.00%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 10	0.00%
Commercial Automobile [Member]
Short-duration Insurance Contracts, Historical Claims Duration [Abstract]
Average annual percentage payout of incurred claims by age, net of reinsurance, year 1	41.70%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 2	18.30%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 3	12.80%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 4	12.00%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 5	6.20%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 6	3.20%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 7	1.10%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 8	0.20%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 9	0.00%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 10	0.80%
Commercial Multi-Peril [Member]
Short-duration Insurance Contracts, Historical Claims Duration [Abstract]
Average annual percentage payout of incurred claims by age, net of reinsurance, year 1	45.40%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 2	16.90%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 3	9.40%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 4	10.20%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 5	6.50%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 6	3.50%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 7	1.50%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 8	0.60%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 9	0.20%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 10	0.40%
Workers Compensation [Member]
Short-duration Insurance Contracts, Historical Claims Duration [Abstract]
Average annual percentage payout of incurred claims by age, net of reinsurance, year 1	31.00%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 2	31.80%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 3	15.20%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 4	7.70%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 5	3.70%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 6	1.90%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 7	1.20%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 8	0.70%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 9	0.50%
Average annual percentage payout of incurred claims by age, net of reinsurance, year 10	0.80%

Borrowings, Lines of Credit (De

Borrowings, Lines of Credit (Details) - USD ($)	1 Months Ended	12 Months Ended
	Mar. 31, 2020	Dec. 31, 2021	Aug. 31, 2020
FHLB of Pittsburgh [Member] | Atlantic States [Member]
Federal Home Loan Bank of Stock Purchased, Collateral Pledged and Assets Related [Abstract]
FHLB stock purchased and owned as part of the agreement		$ 1,575,600
Collateral pledged, at par (carrying value $43,486,897)		43,074,486
Borrowing capacity currently available		6,913,889
Collateral pledged at carrying value		43,486,897
Lines of Credit [Member] | Manufacturers and Traders Trust Company [Member]
Line of Credit Facility [Abstract]
Unsecured demand line of credit			$ 20,000,000
Line of credit facility remaining borrowing capacity		$ 20,000,000
Lines of Credit [Member] | Manufacturers and Traders Trust Company [Member] | LIBOR [Member]
Line of Credit Facility [Abstract]
Interest rate		2.00%
Lines of Credit [Member] | FHLB of Pittsburgh [Member] | Atlantic States [Member]
Line of Credit Facility [Abstract]
Federal home loan bank, cash advance at fixed rate advances		$ 35,000,000
Fixed interest rate on advances		1.74%
Debt instrument due date	Mar. 31, 2021	Aug. 31, 2024
Debt issued amount	$ 50,000,000
Fixed interest rate	0.83%

Borrowings, Subordinated Debent

Borrowings, Subordinated Debentures (Details) - USD ($)	1 Months Ended	12 Months Ended
	Sep. 30, 2021	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Subordinated Debentures [Abstract]
Repayment of surplus note		$ 5,000,000	$ 0	$ 0
Subordinated Debentures [Member] | MICO [Member]
Subordinated Debentures [Abstract]
Repayment of surplus note	$ 5,000,000
Accrued interest	$ 178,082

Reinsurance, Unaffiliated Reins

Reinsurance, Unaffiliated Reinsurers (Details)	12 Months Ended
	Dec. 31, 2021USD ($)InsuranceCoverage	Nov. 30, 2021USD ($)	Dec. 31, 2020USD ($)
Unaffiliated Reinsurance [Abstract]
Loss reinsurance agreement contracts retention amount	$ 2,000,000
Number of reinsurance coverages | InsuranceCoverage	31
Return from estimated surplus		$ 3,000,000,000
Receivable from reinsurance claims	$ 18,112,800		$ 0
Percentage of reinsurer coverage	20.00%
Third Party Reinsurance [Member]
Unaffiliated Reinsurance [Abstract]
Percentage of accumulation of losses	100.00%
Catastrophe reinsurance, set retention amount	$ 15,000,000
Maximum amount of loss coverage under reinsurance agreement of property catastrophe	$ 185,000,000
Donegal Mutual [Member]
Unaffiliated Reinsurance [Abstract]
Percentage of accumulation of losses	100.00%
Catastrophe reinsurance, set retention amount	$ 2,000,000
Maximum amount of loss coverage under reinsurance agreement of property catastrophe	13,000,000
Additional coverage amount	$ 5,000,000

Reinsurance, Ceded Reinsurance

Reinsurance, Ceded Reinsurance Transactions with Unaffiliated Reinsurers (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Unaffiliated Reinsurance [Abstract]
Premiums written	$ 406,802,395	$ 383,612,503	$ 322,204,999
Premiums earned	399,284,886	356,669,937	314,859,014
Prepaid reinsurance premiums	176,935,842	169,418,333
Unaffiliated Entity [Member]
Unaffiliated Reinsurance [Abstract]
Premiums written	38,173,733	34,165,635	36,941,997
Premiums earned	37,984,833	35,358,765	39,732,282
Losses and loss expenses	29,999,528	9,835,268	33,615,819
Prepaid reinsurance premiums	6,063,759	5,874,859	7,067,989
Liability for losses and loss expenses	$ 138,909,584	$ 133,158,907	$ 139,694,097

Reinsurance, Total Ceded Reinsu

Reinsurance, Total Ceded Reinsurance Transactions with both Affiliated and Unaffiliated Reinsurers (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Total Reinsurance [Abstract]
Premiums earned	$ 399,284,886	$ 356,669,937	$ 314,859,014
Prepaid reinsurance premiums	176,935,842	169,418,333
Affiliated Entity and Unaffiliated Entity [Member]
Total Reinsurance [Abstract]
Premiums earned	399,284,886	356,669,937	314,859,014
Losses and loss expenses	282,083,985	231,771,575	240,241,845
Prepaid reinsurance premiums	176,935,842	169,418,333	142,475,767
Liability for losses and loss expenses	$ 451,261,306	$ 404,818,480	$ 362,768,427

Reinsurance, Amounts Represent

Reinsurance, Amounts Represent Effect of Reinsurance on Premiums Written (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Effect of Reinsurance on Premiums Written [Abstract]
Direct	$ 609,204,706	$ 586,681,839	$ 589,572,526
Assumed	601,864,198	539,070,557	485,233,762
Ceded	(406,802,395)	(383,612,503)	(322,204,999)
Net	$ 804,266,509	$ 742,139,893	$ 752,601,289

Reinsurance, Amounts Represen_2

Reinsurance, Amounts Represent Effect of Reinsurance on Premiums Earned (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Effect of Reinsurance on Premiums Earned [Abstract]
Direct	$ 601,408,581	$ 584,537,580	$ 591,101,804
Assumed	573,891,506	514,172,696	479,835,610
Ceded	(399,284,886)	(356,669,937)	(314,859,014)
Net premiums earned	$ 776,015,201	$ 742,040,339	$ 756,078,400
Percentage of assumed premiums earned to net premiums earned	74.00%	69.30%	63.50%

Income Taxes, Provision for Inc

Income Taxes, Provision for Income Tax Expense (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Taxes [Abstract]
Corporate income tax rate	21.00%
Income Tax Expense (Benefit) [Abstract]
Current federal income tax	$ 3,998,431	$ 10,450,803	$ 8,454,358
Deferred federal income tax	1,085,903	6,448	649,928
Federal income tax expense	5,084,334	10,457,251	9,104,286
Pennsylvania income tax	0	0	825,000
Income tax expense	$ 5,084,334	$ 10,457,251	$ 9,929,286

Income Taxes, Reconciliation of

Income Taxes, Reconciliation of Federal Income Tax Rate (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Effective Income Tax Rate Reconciliation [Abstract]
Income before income tax expense	$ 30,338,508	$ 63,272,503	$ 57,081,030
Computed "expected" taxes	6,371,087	13,287,226	11,987,016
Tax-exempt interest	(1,491,154)	(1,468,806)	(1,325,197)
Proration	401,717	395,663	357,044
Dividends received deduction	(115,713)	(113,845)	(1,913,238)
Net operating loss carryback	0	(1,640,084)	0
Tax benefit on exercise of options	(438,850)	(302,901)	(64,765)
Other, net	357,247	299,998	236,676
Pennsylvania income tax, net of federal benefit	0	0	651,750
Income tax expense	$ 5,084,334	$ 10,457,251	$ 9,929,286

Income Taxes, Deferred Tax Asse

Income Taxes, Deferred Tax Assets and Deferred Tax Liabilities (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Deferred Tax Assets [Abstract]
Unearned premium	$ 16,674,502	$ 15,481,602
Loss reserves	9,568,677	8,808,342
Net operating loss carryforward	25,174	104,041
Net state operating loss carryforward - DGI Parent	7,865,563	7,850,334
Other	1,859,687	2,342,967
Total gross deferred tax assets	35,993,603	34,587,286
Less valuation allowance	(7,865,563)	(7,850,334)
Net deferred tax assets	28,128,040	26,736,952
Deferred Tax Liabilities [Abstract]
Deferred policy acquisition costs	14,285,958	12,422,961
Loss reserve transition adjustment	1,148,529	1,440,793
Other	6,007,934	7,190,085
Total gross deferred tax liabilities	21,442,421	21,053,839
Net deferred tax asset	$ 6,685,619	$ 5,683,113

Income Taxes, Operating Loss Ca

Income Taxes, Operating Loss Carryforward (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Operating Loss Carryforwards [Abstract]
Income tax benefit related to operating loss carryback	$ 0	$ (1,640,084)	$ 0
Other deferred tax assets, net	28,100,000	26,700,000
DGI Parent [Member]
Operating Loss Carryforwards [Abstract]
Valuation allowance related to net state operating loss carryforward	$ 7,900,000	7,900,000
Earliest Tax Year [Member]
Operating Loss Carryforwards [Abstract]
Tax years open for examination	2016
Latest Tax Year [Member]
Operating Loss Carryforwards [Abstract]
Tax years open for examination	2021
Tax Years Prior to 2021 [Member]
Operating Loss Carryforwards [Abstract]
Refund from tax authorities	$ 2,300,000	$ 2,300,000

Stockholders' Equity (Details)

Stockholders' Equity (Details) - shares	12 Months Ended			101 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2021	Jul. 18, 2013
Class of Stock [Abstract]
Minimum percentage of class A common stock declared dividend excess over class B dividend	10.00%
Class B Common Stock [Member]
Class of Stock [Abstract]
Treasury stock (in shares)	72,465	72,465		72,465
Class A Common Stock [Member]
Class of Stock [Abstract]
Treasury stock (in shares)	3,002,588	3,002,588		3,002,588
Stock Repurchase Program [Member] | Class A Common Stock [Member]
Class of Stock [Abstract]
Stock repurchased (in shares)	0	0	0	57,658
Maximum [Member] | Stock Repurchase Program [Member] | Class A Common Stock [Member]
Class of Stock [Abstract]
Authority to purchase shares (in shares)					500,000

Stock Compensation Plans, Equit

Stock Compensation Plans, Equity Incentive Plans (Details) - USD ($)	Jan. 04, 2021	Jan. 02, 2020	Jan. 02, 2019	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2011
Equity Incentive Plans [Abstract]
Compensation expense in stock compensation plans				$ 965,701	$ 1,100,000	$ 1,400,000
Income tax benefit of stock compensation plans				202,797	229,698	288,901
Unrecognized compensation expense related to nonvested share-based compensation granted under the plan				$ 1,500,000	1,600,000
Weighted average period of unrecognized compensation expense				1 year 10 months 24 days
Cash from option exercises				$ 12,300,000	17,500,000	2,900,000
Tax benefit for tax deductions from option exercises				$ 438,850	$ 302,901	$ 64,765
Equity Incentive Plan [Member]
Equity Incentive Plans [Abstract]
Restricted shares issued to directors (in shares)				500
Weighted-average grant date fair value of options granted (in dollars per share)				$ 1.21	$ 1.15	$ 1.15
Fair value of risk-free interest rate				0.91%	0.20%	1.64%
Expected life				3 years	3 years	3 years
Expected volatility				20.00%	20.00%	17.00%
Expected dividend yield				4.00%	4.00%	4.00%
Shares available for future option grants (in shares)				2,200,000
Equity Incentive Plan [Member] | Maximum [Member]
Equity Incentive Plans [Abstract]
Exercisable period of stock options				5 years
Equity Incentive Plan [Member] | Class A Common Stock [Member]
Equity Incentive Plans [Abstract]
Common stock available for issuance to employees of subsidiaries and affiliates under identical plan (in shares)						4,500,000
Common stock available for issuance to directors and those of the subsidiaries and affiliates under identical plan (in shares)							500,000
Equity Incentive Plan [Member] | Restricted Stock [Member]
Equity Incentive Plans [Abstract]
Shares issued (in shares)	10,000	8,500	8,500

Stock Compensation Plans, Infor

Stock Compensation Plans, Information Regarding Activity in Stock Option Plans (Details) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Number of Options [Abstract]
Outstanding beginning balance (in shares)	9,694,352	10,435,990	10,024,862
Granted (in shares)	906,500	935,099	1,045,400
Exercised (in shares)	(946,646)	(1,294,606)	(217,498)
Forfeited (in shares)	(404,664)	(303,908)	(416,774)
Expired (in shares)	(1,139,816)	(78,223)
Outstanding ending balance (in shares)	8,109,726	9,694,352	10,435,990
Number of options exercisable (in shares)	6,297,849	7,786,934	8,449,389
Weighted Average Exercise Price [Abstract]
Outstanding beginning balance (in dollars per share)	$ 15.24	$ 15.09	$ 15.09
Granted (in dollars per share)	14.39	14.45	14.97
Exercised (in dollars per share)	13	13.52	13.23
Forfeited (in dollars per share)	15.69	15.23	15.88
Expired (in dollars per share)	16.40	13.64
Outstanding ending balance (in dollars per share)	15.22	15.24	15.09
Exercisable (in dollars per share)	$ 15.43	$ 15.42	$ 15.13

Stock Compensation Plans, Summa

Stock Compensation Plans, Summary of Information about Stock Options Outstanding (Details) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award, Options [Abstract]
Number of options outstanding (in shares)	8,109,726
Number of options exercisable (in shares)	6,297,849	7,786,934	8,449,389
December 20, 2012 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options [Abstract]
Exercise price (in dollars per share)	$ 14.50
Number of options outstanding (in shares)	874,014
Weighted-average remaining contractual life	1 year
Number of options exercisable (in shares)	874,014
December 19, 2013 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options [Abstract]
Exercise price (in dollars per share)	$ 15.90
Number of options outstanding (in shares)	1,784,970
Weighted-average remaining contractual life	2 years
Number of options exercisable (in shares)	1,784,970
December 18, 2014 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options [Abstract]
Exercise price (in dollars per share)	$ 15.80
Number of options outstanding (in shares)	1,116,965
Weighted-average remaining contractual life	3 years
Number of options exercisable (in shares)	1,116,965
December 21, 2017 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options [Abstract]
Exercise price (in dollars per share)	$ 17.60
Number of options outstanding (in shares)	735,700
Weighted-average remaining contractual life	1 year
Number of options exercisable (in shares)	735,700
December 20, 2018 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options [Abstract]
Exercise price (in dollars per share)	$ 13.69
Number of options outstanding (in shares)	824,877
Weighted-average remaining contractual life	2 years
Number of options exercisable (in shares)	824,877
March 4, 2019 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options [Abstract]
Exercise price (in dollars per share)	$ 13.51
Number of options outstanding (in shares)	10,000
Weighted-average remaining contractual life	2 years 2 months 12 days
Number of options exercisable (in shares)	10,000
December 19, 2019 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options [Abstract]
Exercise price (in dollars per share)	$ 14.98
Number of options outstanding (in shares)	986,100
Weighted-average remaining contractual life	3 years
Number of options exercisable (in shares)	657,393
December 17, 2020 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options [Abstract]
Exercise price (in dollars per share)	$ 14.43
Number of options outstanding (in shares)	871,800
Weighted-average remaining contractual life	4 years
Number of options exercisable (in shares)	290,597
January 4, 2021 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options [Abstract]
Exercise price (in dollars per share)	$ 14.07
Number of options outstanding (in shares)	10,000
Weighted-average remaining contractual life	4 years
Number of options exercisable (in shares)	3,333
December 16, 2021 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options [Abstract]
Exercise price (in dollars per share)	$ 14.39
Number of options outstanding (in shares)	895,300
Weighted-average remaining contractual life	5 years
Number of options exercisable (in shares)	0

Stock Compensation Plans, Emplo

Stock Compensation Plans, Employee Stock Purchase Plan (Details) - Employee Stock Purchase Plan [Member] - $ / shares	Jan. 01, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2011
Employee Stock Purchase Plan [Abstract]
Number of shares available for issuance (in shares)		500,000		500,000	300,000
Exercisable period of stock options		10 years
Percentage of purchase price of shares		85.00%	85.00%
Subsequent Event [Member]
Shares Granted or Issued, Share-based Payment Arrangement [Abstract]
Shares issued price (in dollars per share)	$ 12.15
Shares issued (in shares)	24,907
January 1, 2019 [Member]
Shares Granted or Issued, Share-based Payment Arrangement [Abstract]
Shares issued price (in dollars per share)		$ 11.60
Shares issued (in shares)		24,834
July 1, 2019 [Member]
Shares Granted or Issued, Share-based Payment Arrangement [Abstract]
Shares issued price (in dollars per share)		$ 12.24
Shares issued (in shares)		22,926
January 1, 2020 [Member]
Shares Granted or Issued, Share-based Payment Arrangement [Abstract]
Shares issued price (in dollars per share)		$ 12.28
Shares issued (in shares)		20,424
July 1, 2020 [Member]
Shares Granted or Issued, Share-based Payment Arrangement [Abstract]
Shares issued price (in dollars per share)		$ 12.09
Shares issued (in shares)		22,662
January 1, 2021 [Member]
Shares Granted or Issued, Share-based Payment Arrangement [Abstract]
Shares issued price (in dollars per share)		$ 11.96
Shares issued (in shares)		23,336
July 1, 2021 [Member]
Shares Granted or Issued, Share-based Payment Arrangement [Abstract]
Shares issued price (in dollars per share)		$ 11.88
Shares issued (in shares)		24,619

Stock Compensation Plans, Agenc

Stock Compensation Plans, Agency Stock Purchase Plan (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Agency Stock Purchase Plan [Member]
Agency Stock Purchase Plan [Abstract]
Number of shares available for issuance (in shares)	400,000			350,000
Investment on per subscription	$ 12,000
Percentage of purchase price of shares	90.00%
Number of trading days of subscription period	10 days
Shares issued (in shares)	99,828	101,647	110,836
New Plan [Member]
Agency Stock Purchase Plan [Abstract]
Number of shares available for issuance (in shares)	500,000

Statutory Net Income, Capital_3

Statutory Net Income, Capital and Surplus and Dividend Restrictions (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statutory Accounting Practices [Abstract]
Statutory capital and surplus	$ 466,186,406	$ 458,407,568	$ 418,449,596
Statutory net (loss) income	10,750,552	48,282,517	44,680,696
Available for distribution as dividends	47,300,000
Atlantic States [Member]
Statutory Accounting Practices [Abstract]
Statutory capital and surplus	278,883,189	279,796,696	259,030,868
Statutory unassigned surplus (deficit)	174,073,348	175,777,393	155,909,822
Statutory net (loss) income	(7,417,845)	20,735,871	22,282,231
Available for distribution as dividends	27,900,000
Southern [Member]
Statutory Accounting Practices [Abstract]
Statutory capital and surplus	64,238,221	57,142,228	54,405,568
Statutory unassigned surplus (deficit)	7,330,382	300,409	(2,375,794)
Statutory net (loss) income	6,927,576	4,350,677	5,061,477
Available for distribution as dividends	6,900,000
Peninsula [Member]
Statutory Accounting Practices [Abstract]
Statutory capital and surplus	47,867,789	49,285,069	39,244,570
Statutory unassigned surplus (deficit)	29,558,589	30,975,869	20,936,805
Statutory net (loss) income	3,536,404	10,955,796	7,360,378
Available for distribution as dividends	4,800,000
MICO [Member]
Statutory Accounting Practices [Abstract]
Statutory capital and surplus	75,197,207	72,183,575	65,768,590
Statutory unassigned surplus (deficit)	53,201,571	45,247,698	38,910,008
Statutory net (loss) income	7,704,417	$ 12,240,173	$ 9,976,610
Available for distribution as dividends	$ 7,700,000

Reconciliation of Statutory F_3

Reconciliation of Statutory Filings to Amounts Reported in the Consolidated Financial Statements, Reconciliations of Statutory Net Income and Capital and Surplus (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Reconciliation of Statutory Filings to Amounts Reported in the Consolidated Financial Statements [Abstract]
Statutory net income of insurance subsidiaries	$ 10,750,552	$ 48,282,517	$ 44,680,696
Increases (Decreases): [Abstract]
Deferred policy acquisition costs	8,871,415	(127,901)	(1,330,268)
Deferred federal income taxes	(1,085,903)	(6,448)	639,284
Salvage and subrogation recoverable	2,551,800	713,400	207,000
Consolidating eliminations and adjustments	(18,769)	(9,516,984)	(11,048,314)
Parent-only net income	4,185,079	13,470,668	14,003,346
Net income	25,254,174	52,815,252	47,151,744
Statutory Capital and Surplus of Insurance Subsidiaries [Abstract]
Statutory capital and surplus of insurance subsidiaries	466,186,406	458,407,568	418,449,596
Deferred policy acquisition costs	68,028,373	59,156,958	59,284,859	$ 60,615,127
Deferred federal income taxes	(21,294,388)	(18,586,428)	(15,477,843)
Salvage and subrogation recoverable	23,510,400	20,958,600	20,245,200
Non-admitted assets and other adjustments, net	929,862	1,315,378	1,727,754
Fixed maturities	5,958,434	15,309,610	(326,795)
Parent-only equity and other adjustments	(12,283,000)	(18,787,566)	(32,887,252)
Stockholders' equity	$ 531,036,087	$ 517,774,120	$ 451,015,519	$ 398,869,901

Supplementary Cash Flow Infor_3

Supplementary Cash Flow Information (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Supplementary Cash Flow Information
Income taxes	$ 6,200,000	$ 12,800,000	$ (9,827,433)
Interest	$ 1,150,211	$ 1,191,800	$ 321,585

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Earnings Per Share [Abstract]
Minimum percentage of class A common stock declared dividend excess over class B dividend	10.00%
Options excluded from diluted earnings per share (in shares)	3,637,635
Class A Common Stock [Member]
Numerator:
Allocation of net income	$ 21,131	$ 43,609	$ 38,718
Denominator:
Weighted-average shares outstanding (in shares)	25,388,000	23,707,000	22,986,000
Basic earnings per share (in dollars per share)	$ 0.83	$ 1.84	$ 1.68
Numerator:
Allocation of net income	$ 21,131	$ 43,609	$ 38,718
Denominator:
Number of shares used in basic computation (in shares)	25,388,000	23,707,000	22,986,000
Weighted-average shares effect of dilutive securities
Director and employee stock options (in shares)	146,000	180,000	211,000
Number of shares used in diluted computation (in shares)	25,534,000	23,887,000	23,197,000
Diluted earnings per share (in dollars per share)	$ 0.83	$ 1.83	$ 1.67
Class B Common Stock [Member]
Numerator:
Allocation of net income	$ 4,123	$ 9,206	$ 8,434
Denominator:
Weighted-average shares outstanding (in shares)	5,577,000	5,577,000	5,577,000
Basic earnings per share (in dollars per share)	$ 0.74	$ 1.65	$ 1.51
Numerator:
Allocation of net income	$ 4,123	$ 9,206	$ 8,434
Denominator:
Number of shares used in basic computation (in shares)	5,577,000	5,577,000	5,577,000
Weighted-average shares effect of dilutive securities
Diluted earnings per share (in dollars per share)	$ 0.74	$ 1.65	$ 1.51

Condensed Financial Informati_3

Condensed Financial Information of Parent Company, Condensed Balance Sheets (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Assets [Abstract]
Short-term investments	$ 12,692,341	$ 20,900,155
Cash	57,709,375	103,094,236
Property and equipment	2,956,930	4,390,377
Other	1,612,732	1,393,053
Total assets	2,255,175,399	2,160,520,324
Liabilities [Abstract]
Cash dividends declared to stockholders	4,915,268	4,436,301
Other	7,557,757	6,470,652
Total liabilities	1,724,139,312	1,642,746,204
Stockholders' equity	531,036,087	517,774,120	$ 451,015,519	$ 398,869,901
Total liabilities and stockholders' equity	2,255,175,399	2,160,520,324
Parent Company [Member]
Assets [Abstract]
Investment in subsidiaries/affiliates (equity method)	554,804,000	540,665,000
Short-term investments	9,000	9,000
Cash	14,375,000	15,321,000	$ 2,350,000	$ 1,542,000
Property and equipment	716,000	833,000
Other	2,455,000	1,721,000
Total assets	572,359,000	558,549,000
Liabilities [Abstract]
Cash dividends declared to stockholders	4,915,000	4,436,000
Notes payable to subsidiary	35,000,000	35,000,000
Other	1,408,000	1,339,000
Total liabilities	41,323,000	40,775,000
Stockholders' equity	531,036,000	517,774,000
Total liabilities and stockholders' equity	$ 572,359,000	$ 558,549,000

Condensed Financial Informati_4

Condensed Financial Information of Parent Company, Condensed Statements of Income and Comprehensive Income (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Revenues [Abstract]
Net realized investment gains	$ 6,477,286	$ 2,777,919	$ 21,984,617
Total revenues	816,465,791	777,819,910	812,451,471
Expenses [Abstract]
Interest	895,605	1,196,406	1,579,299
Total expenses	786,127,283	714,547,407	755,370,441
Income before income tax (benefit) expense and equity in undistributed net income of subsidiaries	30,338,508	63,272,503	57,081,030
Income tax (benefit) expense	5,084,334	10,457,251	9,929,286
Net income	25,254,174	52,815,252	47,151,744
Statements of Comprehensive Income [Abstract]
Net income	25,254,174	52,815,252	47,151,744
Other comprehensive (loss) income, net of tax
Unrealized (loss) gain - subsidiaries	(7,544,805)	11,078,406	14,848,545
Comprehensive income	17,407,113	63,441,694	61,883,973
Parent Company [Member]
Revenues [Abstract]
Dividends from subsidiaries	5,000,000	14,000,000	4,000,000
Net realized investment gains	0	0	12,378,000
Other	481,000	463,000	1,009,000
Total revenues	5,481,000	14,463,000	17,387,000
Expenses [Abstract]
Operating expenses	1,223,000	1,258,000	1,420,000
Interest	787,000	794,000	1,327,000
Total expenses	2,010,000	2,052,000	2,747,000
Income before income tax (benefit) expense and equity in undistributed net income of subsidiaries	3,471,000	12,411,000	14,640,000
Income tax (benefit) expense	(714,000)	(1,059,000)	636,000
Income before equity in undistributed net income of subsidiaries	4,185,000	13,470,000	14,004,000
Equity in undistributed net income of subsidiaries	21,069,000	39,345,000	33,148,000
Net income	25,254,000	52,815,000	47,152,000
Statements of Comprehensive Income [Abstract]
Net income	25,254,000	52,815,000	47,152,000
Other comprehensive (loss) income, net of tax
Unrealized (loss) gain - subsidiaries	(7,847,000)	10,627,000	14,732,000
Other comprehensive (loss) income, net of tax	(7,847,000)	10,627,000	14,732,000
Comprehensive income	$ 17,407,000	$ 63,442,000	$ 61,884,000

Condensed Financial Informati_5

Condensed Financial Information of Parent Company, Condensed Statements of Cash Flows (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash Flows from Operating Activities: [Abstract]
Net income	$ 25,254,174	$ 52,815,252	$ 47,151,744
Adjustments: [Abstract]
Realized investment gains	(6,477,286)	(2,777,919)	(21,984,617)
Other	867,438	(399,440)	6,033,243
Net adjustments	51,477,794	48,319,148	29,208,033
Net cash provided by operating activities	76,731,968	101,134,400	76,359,777
Cash Flows from Investing Activities: [Abstract]
Net sale (purchases) of short-term investments	8,207,814	(6,869,933)	2,718,538
Net cash used in investing activities	(62,199,311)	(99,675,325)	(43,377,179)
Cash Flows from Financing Activities: [Abstract]
Cash dividends paid	(19,099,220)	(16,976,093)	(16,092,643)
Issuance of common stock	14,181,702	19,292,324	4,834,514
Payments on lines of credit	(50,000,000)	0	(25,000,000)
Net cash (used in) provided by financing activities	(59,917,518)	52,316,231	(36,258,129)
Cash at beginning of year	103,094,236
Cash at end of year	57,709,375	103,094,236
Parent Company [Member]
Cash Flows from Operating Activities: [Abstract]
Net income	25,254,000	52,815,000	47,152,000
Adjustments: [Abstract]
Equity in undistributed net income of subsidiaries	(21,069,000)	(39,345,000)	(33,148,000)
Realized investment gains	0	0	(12,378,000)
Other	(536,000)	(5,615,000)	490,000
Net adjustments	(21,605,000)	(44,960,000)	(45,036,000)
Net cash provided by operating activities	3,649,000	7,855,000	2,116,000
Cash Flows from Investing Activities: [Abstract]
Net sale (purchases) of short-term investments	0	2,493,000	(2,473,000)
Net purchase of property and equipment	(13,000)	(18,000)	(150,000)
Sale of equity securities	0	0	20,287,000
Investment in subsidiaries	(916,000)	(1,037,000)	(18,283,000)
Net cash used in investing activities	(929,000)	1,438,000	33,304,000
Cash Flows from Financing Activities: [Abstract]
Cash dividends paid	(19,099,000)	(16,976,000)	(16,093,000)
Issuance of common stock	15,433,000	20,654,000	6,481,000
Payments on lines of credit	0	0	(25,000,000)
Net cash (used in) provided by financing activities	(3,666,000)	3,678,000	(34,612,000)
Net increase (decrease) in cash	(946,000)	12,971,000	808,000
Cash at beginning of year	15,321,000	2,350,000	1,542,000
Cash at end of year	14,375,000	15,321,000	2,350,000
Parent Company [Member] | Donegal Financial Services Corporation [Member]
Cash Flows from Investing Activities: [Abstract]
Sale of equity securities	$ 0	$ 0	$ 33,923,000

Segment Information, Reportable

Segment Information, Reportable Segments (Details)	12 Months Ended
	Dec. 31, 2021Segment
Segment Information [Abstract]
Number of reportable segments	3

Segment Information, Financial

Segment Information, Financial Data by Segment (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Premiums earned [Abstract]
Premiums earned	$ 776,015,201	$ 742,040,339	$ 756,078,400
Net investment income	31,125,631	29,504,466	29,514,955
Investment gains	6,477,286	2,777,919	21,984,617
Equity in earnings of DFSC	0	0	295,000
Total revenues	816,465,791	777,819,910	812,451,471
Underwriting (loss) income [Abstract]
Net investment income	31,125,631	29,504,466	29,514,955
Investment gains	6,477,286	2,777,919	21,984,617
Equity in earnings of DFSC	0	0	295,000
Income before income tax expense	30,338,508	63,272,503	57,081,030
Operating Segments [Member]
Premiums earned [Abstract]
Premiums earned	776,015,000	742,040,000	756,078,000
Net investment income	31,126,000	29,504,000	29,515,000
Investment gains	6,477,000	2,778,000	21,985,000
Equity in earnings of DFSC	0	0	295,000
Other	2,848,000	3,497,000	4,578,000
Total revenues	816,466,000	777,819,000	812,451,000
Underwriting (loss) income [Abstract]
SAP underwriting (loss) income	(17,939,000)	30,906,000	6,787,000
GAAP adjustments	9,945,000	(959,000)	(3,079,000)
GAAP underwriting (loss) income	(7,994,000)	29,947,000	3,708,000
Net investment income	31,126,000	29,504,000	29,515,000
Investment gains	6,477,000	2,778,000	21,985,000
Equity in earnings of DFSC	0	0	295,000
Other	730,000	1,043,000	1,578,000
Income before income tax expense	30,339,000	63,272,000	57,081,000
Commercial Lines [Member] | Operating Segments [Member]
Premiums earned [Abstract]
Premiums earned	468,433,000	412,877,000	385,465,000
Underwriting (loss) income [Abstract]
SAP underwriting (loss) income	(35,174,000)	(858,000)	8,404,000
Personal Lines [Member] | Operating Segments [Member]
Premiums earned [Abstract]
Premiums earned	307,582,000	329,163,000	370,613,000
Underwriting (loss) income [Abstract]
SAP underwriting (loss) income	$ 17,235,000	$ 31,764,000	$ (1,617,000)

Guaranty Fund and Other Insur_2

Guaranty Fund and Other Insurance-Related Assessments (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Guaranty Fund and Other Insurance-Related Assessments [Abstract]
Insurance subsidiaries' liabilities for guaranty fund and other insurance	$ 1,700,000	$ 1,600,000
Surcharges collected by insurance subsidiaries	$ 602,523	$ 485,322

SCHEDULE III - SUPPLEMENTARY _2

SCHEDULE III - SUPPLEMENTARY INSURANCE INFORMATION (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Supplementary Insurance Information by Segment [Abstract]
Net Premiums Earned	$ 776,015	$ 742,040	$ 756,078
Net Investment Income	31,126	29,504	29,515
Net Losses and Loss Expenses	520,710	459,764	506,388
Amortization of Deferred Policy Acquisition Costs	128,733	119,072	122,443
Other Underwriting Expenses	129,368	125,863	114,562
Net Premiums Written	804,267	742,140	752,601
Deferred Policy Acquisition Costs	68,028	59,157
Liability For Losses and Loss Expenses	1,077,620	962,007
Unearned Premiums	572,958	537,190
Other Policy Claims and Benefits Payable	0	0
Commercial Lines [Member]
Supplementary Insurance Information by Segment [Abstract]
Net Premiums Earned	468,433	412,877	385,465
Net Investment Income	0	0	0
Net Losses and Loss Expenses	321,483	264,053	242,685
Amortization of Deferred Policy Acquisition Costs	84,927	66,253	62,424
Other Underwriting Expenses	85,345	72,245	61,631
Net Premiums Written	501,785	425,986	404,879
Deferred Policy Acquisition Costs	41,225	33,246
Liability For Losses and Loss Expenses	814,681	694,569
Unearned Premiums	347,213	301,901
Other Policy Claims and Benefits Payable	0	0
Personal Lines [Member]
Supplementary Insurance Information by Segment [Abstract]
Net Premiums Earned	307,582	329,163	370,613
Net Investment Income	0	0	0
Net Losses and Loss Expenses	199,227	195,711	263,703
Amortization of Deferred Policy Acquisition Costs	43,806	52,819	60,019
Other Underwriting Expenses	44,023	53,618	52,931
Net Premiums Written	302,482	316,154	347,722
Deferred Policy Acquisition Costs	26,803	25,911
Liability For Losses and Loss Expenses	262,939	267,438
Unearned Premiums	225,745	235,289
Other Policy Claims and Benefits Payable	0	0
Investments [Member]
Supplementary Insurance Information by Segment [Abstract]
Net Premiums Earned	0	0	0
Net Investment Income	31,126	29,504	29,515
Net Losses and Loss Expenses	0	0	0
Amortization of Deferred Policy Acquisition Costs	0	0	0
Other Underwriting Expenses	0	0	0
Net Premiums Written	0	0	$ 0
Deferred Policy Acquisition Costs	0	0
Liability For Losses and Loss Expenses	0	0
Unearned Premiums	0	0
Other Policy Claims and Benefits Payable	$ 0	$ 0