EXHIBIT 10.4(B)

SECOND AMENDMENT TO

COMMERCIAL LEASE AGREEMENT

(ORIGINALLY EFFECTIVE MARCH 1, 1996)

        This Amendment is made by and among 1845 Tenants In Common (successor to
Windy Hill Exchange, L.L.C.) (hereinafter called “Landlord”) and American Safety
Insurance Services, Inc. (Formerly known as Environmental Management Insurance
Services, Inc Synergy Insurance Services, Inc.)(hereinafter called Tenant”).

1.

Landlord hereby leases and rents to Tennant and Tennant hereby leases and takes
upon the terms and conditions of that certain Commercial Lease Agreement
originally effective March 1, 1996 between the parties hereto (hereinafter
called the “Lease”) 18,706 square feet (“the Premises”) of office space located
on the second floor of 1845 The Exchange, Atlanta, Cobb County, Georgia 30339
(“the Building”). The Premises shall be leased pursuant to the terms of the
Lease.

2.

The Lease is hereby renewed for a term of (5) years beginning March 1, 2001 and
expiring February 28, 2006.

3.

Tenant agrees to add the Premises described above, the additional office space
in the Building currently known as Suite 115 (comprising 1,550 square feet) and
Suite 120 (comprising 1,405 square feet), and Suite 160 (comprising of 1,230
square feet) when such space is available for occupancy. Tennant shall be liable
for the cost of any improvements to these additional premises.

4.

The base rental rates shown on Exhibit “A” shall be applicable to the renewal of
the Lease as provided herein.

This Amendment is entered into, under seal, as March 1, 2001.

                                            1845 TENANTS IN COMMON
                                            By: /s/ Lloyd A. Fox
                                            Agent

                                            AMERICAN SAFETY INSURANCE SERVICES, INC.
                                            By: /s/ David Brueggen
                                            Director

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EXHIBIT “A”

BASE RENTAL RATE

------------------------------------- ----------------------------------- -----------------------------------
                YEAR                          MINIMUM BASE RATE                  ANNUAL BASE RENT($)
------------------------------------- ----------------------------------- -----------------------------------
3/1/2001 - 2/28/2002                  $18.35/square feet                  343,255.10
------------------------------------- ----------------------------------- -----------------------------------
3/1/2002 - 2/28/2003                  $19.08/square feet                  356,910.48
------------------------------------- ----------------------------------- -----------------------------------
3/1/2003 - 2/28/2004                  $19.84/square feet                  371,127.04
------------------------------------- ----------------------------------- -----------------------------------
3/1/2004 - 2/28/2005                  $20.64/square feet                  386,091.84
------------------------------------- ----------------------------------- -----------------------------------
3/1/2005-2/28/2006                    $21.46/square feet                  401,430.76
------------------------------------- ----------------------------------- -----------------------------------

1.

Based on 18,706 square feet leased upon renewal. Plus adjustments per paragraph
10 (Tax and Insurance Escalation) and 43 (CPI Escalation).

2.

Any additional space required to be taken by Tenant upon becoming available will
be added to the Lease at the then current lease rate under the Lease