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                                                                   Exhibit 10.80



                              CONSULTING AGREEMENT


THIS CONSULTING AGREEMENT ("Agreement") is dated to be effective this 18 day of
April, 2001 ("Effective Date"), by and between INSURANCE MANAGEMENT SOLUTIONS
GROUP, INC., a Florida corporation, and its subsidiaries and affiliates
(collectively, the "Company") whose address is 360 Central Avenue, St.
Petersburg, Florida 33701, and CHRISTOPHER P. BREAKIRON ("Breakiron") whose
address is 2415 Pelham Road North, St. Petersburg, FL 33710.

WHEREAS, the Company is engaged in the business of soliciting, servicing and
administering insurance accounts and risks throughout the United States;

WHEREAS, the Company's business requires secrecy in connection with certain
aspects of its business, and for the proper protection of the Company, it is
absolutely necessary and essential (which necessity Breakiron expressly
recognizes) confidential and proprietary matters be kept secret and
confidential as goodwill belonging to the Company;

NOW, THEREFORE, the Company and Breakiron, in consideration of the covenants and
agreements contained herein, and in further consideration of the benefits and
advantages flowing from each to the other, covenant and agree as follows:

 I.      CONSULTATION SERVICES

         The Company hereby employs Breakiron to perform the following services
         in accordance with the terms and conditions set forth in this
         Agreement:

         A.       Breakiron will consult with the officers and employees of the
                  Company concerning matters relative to the general operations
                  of the Company.

         B.       Given the nature of the position that Breakiron will occupy,
                  Breakiron will report to David Howard, President of Company.


II.      TIME DEVOTED BY BREAKIRON

         Breakiron shall devote as much time as he deems reasonably necessary
         for the workload as it exists from time to time. Notwithstanding the
         foregoing, Breakiron shall be scheduled to work a minimum of thirty
         (30) hours per week.

III.     TERMS OF EMPLOYMENT

         A.       During the term of this Agreement, Company will pay Breakiron
                  the sum of ELEVEN THOUSAND FIVE HUNDRED AND THIRTY EIGHT
                  46/100 DOLLARS ($11,538.46), which shall be payable in two
                  equal bi-weekly installments of FIVE THOUSAND SEVEN HUNDRED
                  AND SIXTY NINE AND 23/100 DOLLARS ($5,769.23) with the first
                  payment due on the 4th day of May, 2001.

         B.       With the exception of paid time off (PTO), Breakiron shall be
                  provided the same benefits and on the same basis as other
                  employees of the Company including, but not limited to, the
                  401(k) plan, life insurance, disability insurance and health
                  insurance.

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         C.       Breakiron recognizes and acknowledges that the list of the
                  Company's customers, trade secrets, data processing systems,
                  computer software, computer programs, or other systems, data,
                  methods, or procedures developed or used by the Company, as
                  they may exist from time to time, are valuable, special and
                  unique assets of the Company's business. Breakiron will not,
                  during the term of his employment without the prior written
                  consent of the Company, which consent may be arbitrarily
                  withheld, and except to the extent necessary to accomplish
                  assignments on behalf of the Company in which Breakiron is,
                  at any given time during the term of Breakiron's tenure with
                  the Company, currently and actively engaged, possess,
                  transmit, copy, reproduce, or disclose the list of the
                  Company's customers or any part thereof or any of the
                  Company's present or future trade secrets, or any data
                  processing systems, computer software, computer programs or
                  other systems, data, methods, or procedures to any person,
                  firm, corporation, association, or any other entity for any
                  reason or purpose whatsoever, nor will Breakiron assist
                  anyone else to do so. In the event of a breach or threatened
                  breach by Breakiron of the provisions hereof, the Company
                  shall be entitled to an injunction restraining Breakiron from
                  disclosing, in whole or in part, the list of the Company's
                  customers or the Company's trade secrets, or from rendering
                  any services to any person, firm, corporation, association,
                  or other entity to whom such list or such trade secrets, in
                  whole or in part, has been disclosed or is threatened to be
                  disclosed and requiring the return to the Company of all
                  copies of customer lists, manuals, data, software, computer
                  programs, or written procedures in the possession of
                  Breakiron. Nothing herein shall be construed as prohibiting
                  the Company from pursuing any other remedies available to it
                  for such breach or threatened breach, including the recovery
                  of damages from Breakiron. The existence of any claim or
                  cause of action of Breakiron against the Company shall not
                  constitute a defense to the enforcement by the Company of
                  this covenant. No failure of the Company to exercise any
                  right given hereunder shall be taken or construed as a waiver
                  of its right to seek any remedies by reason of any past,
                  present, or future breaches of the Agreement on the part of
                  Breakiron.

IV.      COMPANY PROPERTY

         Breakiron shall be responsible for any and all technical data, books,
         equipment, or other company property which may come into his
         possession by reason of this Agreement. In the event this Agreement is
         terminated for any reason whatsoever, Breakiron shall immediately turn
         in to the Company and account for all such equipment and property
         which may be in the possession of Breakiron at such termination.

V.       TERM

         The term of this Agreement shall commence as of the 18 day of April,
         2001 and shall continue thereafter up to and including the 15 day of
         May, 2001.


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VI.      SEVERABILITY

         All agreements and covenants contained herein are severable and in the
         event any of them shall be held to be illegal, invalid or
         unenforceable by any Court of competent jurisdiction, this Agreement
         shall be interpreted as if such illegal, invalid, or unenforceable
         agreements or covenants were not contained herein.

VII.     ARBITRATION OF DISPUTES:

         A.       The parties agree that any dispute about the validity,
                  interpretation, effect or alleged violations of this
                  Agreement ("Arbitrable Dispute") between Breakiron and
                  Company, must be submitted to final and binding arbitration
                  in Tampa, Florida before an experienced employment arbitrator
                  licensed to practice law in Florida and selected in
                  accordance with the Employment Dispute Rules of the American
                  Arbitration Association. The arbitrator may not modify or
                  change this Agreement in any way.

         B.       Each party shall pay the fees of their respective attorneys,
                  the expenses of their witnesses and any other expenses
                  connected with the arbitration, but all other costs of the
                  arbitration, including the fees of the arbitration, cost of
                  any record or transcript of the arbitration, administrative
                  fees and other fees and costs shall be paid in equal shares
                  by Breakiron and Company. The party losing the arbitration
                  shall reimburse the party who prevailed for all expenses the
                  prevailing party paid pursuant to the preceding two
                  sentences.

         C.       Arbitration in this manner shall be the exclusive remedy for
                  any Arbitrable Dispute. The arbitrator's decision or award
                  shall be fully enforceable and subject to an entry of
                  judgment by a court of competent jurisdiction. Should
                  Breakiron or Company attempt to resolve an Arbitrable Dispute
                  by any method other than arbitration pursuant to this
                  Section, the responding party shall be entitled to recover
                  from the initiating party all damages, expenses and
                  attorneys' fees incurred as a result and the responding party
                  shall be entitled to the return of any payments that party
                  made under this Agreement.

VIII.    LAW APPLICABLE

         This Agreement, and performance under its terms, shall be governed in
         all respects by the law of Florida except its law concerning choice of
         laws.

IX.      ENTIRE AGREEMENT

         This Agreement and the Release and Separation Agreement entered into
         simultaneously herewith expresses the whole and entire agreement
         between the parties with reference to Breakiron's arrangement and
         supersedes all prior agreements and understandings between Breakiron
         and the Company. These agreements cannot be modified or changed by any
         verbal agreement, nor shall any written modification be binding on the
         Company until such written modification shall have been approved in
         writing by the President and the Board of Directors of the Company.


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X.       NON-WAIVER OF RIGHTS

         All of the rights of the Company and Breakiron hereunder shall be
         cumulative and not alternative. A waiver or indulgence on the part of
         the Company or Breakiron of any rights or entitlements hereunder shall
         not be construed as a waiver of any other rights or entitlements
         hereunder by either the Company or Breakiron. In the event that a
         breach occurs or that a breach is alleged, the injured party shall
         give the breaching party written notice of his/its intention to
         terminate this Agreement. The notice shall specify the nature of the
         breach and shall give the breaching party fifteen (15) days to cure
         said breach. If the breach is not cured within the time allowed, this
         Agreement shall automatically terminate without further notice and the
         injured party may pursue any and all legal remedies available.

XI.      MISCELLANEOUS PROVISIONS

         The provisions of this Agreement shall extend to the successors,
         surviving corporations and assigns of the Company. Singular and
         masculine pronouns shall include plural, feminine, and artificial
         persons and entities whenever the context permits.

XII.     HEADINGS

         All paragraph headings are for reference purposes only and are not
         intended to alter the meaning or interpretation of any provision.

XIII.    BREAKIRON'S ACKNOWLEDGMENT

         Breakiron has been given reasonable time to study this Agreement, and
         has consulted with his lawyer concerning the terms of this Agreement.
         Breakiron acknowledges that he executes this Agreement freely and
         voluntarily, solely because he already fully and carefully considered
         the Agreement before signing it.


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IN WITNESS WHEREOF, the parties hereto have executed this agreement as of 12th
day of April 2001.


"BREAKIRON"

/s/ Chris P. Breakiron
------------------------------------------
Chris P. Breakiron



SWORN TO AND SUBSCRIBED BEFORE ME THIS 12th DAY OF APRIL, 2001.

/s/ Gail T. Basile
------------------------------------------            [NOTARY SEAL]
Notary Public

My Commission Expires: April 12, 2004



COMPANY

INSURANCE MANAGEMENT SOLUTIONS GROUP, INC.

By: /s/ D. M. Howard
   ---------------------------------------
        D. M. Howard

Title:  President/CEO
      ------------------------------------


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