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Exhibit 10.13

AMENDMENT NO. 3
TO
REINSURANCE AND POOLING AGREEMENT

        WHEREAS, Zenith Insurance Company ("Zenith"), CalFarm Insurance Company
("CalFarm"), ZNAT Insurance Company ("ZNAT"), Zenith Star Insurance Company
("Zenith Star"), and Zenith Insurance Company of Florida (Zenith/Florida) have
previously entered into a Reinsurance and Pooling Agreement effective
October 1,1993; as amended, and

        WHEREAS, effective January 1, 1997, Zenith/Florida became a party to the
Reinsurance and Pooling Agreement; and

        WHEREAS, effective June 30, 1998, Zenith/Florida has been merged with
Zenith, and Zenith is the surviving corporation;

        IN CONSIDERATION of the premises, Zenith, CalFarm, ZNAT, and Zenith Star
agree as follows:

1.Amendment No. 2 to the Reinsurance and Pooling Agreement is terminated,
effective June 30, 1998.

2.Article V—Proportional Shares of the Reinsurance and Pooling Agreement is
amended effective June 30, 1998, as follows:

Zenith Insurance Company   79.5 % CalFarm Insurance Company   18.0 % ZNAT
Insurance Company   2.0 % Zenith Star Insurance Company   .5 %

        IN WITNESS WHEREOF, each of the undersigned parties has caused this
Amendment No. 3 to the Reinsurance and Pooling Agreement to be executed on its
behalf, on this 15th day of July, 1998.

    ZENITH INSURANCE COMPANY         /s/  JOHN J. TICKNER      

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JOHN J. TICKNER
Secretary   By: /s/  STANLEY R. ZAX      

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STANLEY R. ZAX
President             CALFARM INSURANCE COMPANY         /s/  JOHN J.
TICKNER      

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JOHN J. TICKNER
Secretary   By:

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FREDRICKA TAUBITZ
Senior Vice President             ZNAT INSURANCE COMPANY         /s/  JOHN J.
TICKNER      

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JOHN J. TICKNER
Secretary   By: /s/  STANLEY R. ZAX      

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STANLEY R. ZAX
President             ZENITH STAR INSURANCE COMPANY         /s/  JOHN J.
TICKNER      

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JOHN J. TICKNER
Secretary   By: /s/  STANLEY R. ZAX      

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STANLEY R. ZAX
President

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AMENDMENT NO. 3 TO REINSURANCE AND POOLING AGREEMENT