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FRONTIER INSURANCE GROUP, INC          1999 FORM 10-K             EXHIBIT 21(a)


                        LIST OF REGISTRANT'S SUBSIDIARIES

The following is a list of Registrant's subsidiaries, all of which are
wholly-owned, except as noted.

<TABLE>
<CAPTION>
                                                      State of Jurisdiction
                Name                                    and Incorporation

<S>                                                         <C>
Frontier Insurance Company                                 New York

Medical Professional Liability Agency, Ltd.                New York

Pioneer Claim Management, Inc.                             New York

Frontier Pacific Insurance Company                        California

Spencer Douglass Insurance Associates                     California

United Capitol Holding Company                             Delaware

United Capitol Insurance Company                           Illinois

Olympic Underwriting Managers, Inc.                        Delaware

Fischer Underwriting Group, Inc.                          New Jersey

Regency Financial Corporation (1)                          Delaware

Regency Insurance Company                               North Carolina

Emrol Premium Finance Company                           North Carolina

Lyndon Financial Corporation                               Missouri

Lyndon Insurance Group, Inc.                               Missouri

Lyndon Property Insurance Company                          Missouri

Lyndon Life Insurance Company                              Missouri

Lyndon Southern Insurance Company                          Louisiana

Lyndon - DFS Warranty Services, Inc. (2)                   Missouri

Gulfco Life Insurance Company                              Louisiana

Lyndon American, Inc.                                      Missouri
</TABLE>



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<TABLE>
<CAPTION>
                                                         State of Jurisdiction
                Name                                       and Incorporation

<S>                                                            <C>
Acceleration Life Insurance Company                             Ohio

Acceleration National Service Corporation                       Ohio

Lyndon General Agency of Texas, Inc.                            Texas

Dublin International Limited                               Island of Nevis

Environmental and Commercial Insurance Agency, Inc.             Ohio

London and European Title Insurance Services Limited(3)        England

Western Indemnity Insurance Company                             Texas

One Stop.com                                                   Delaware

FPC Advertising                                                New York

RMH Company, Inc.                                              Kentucky

Brook Smith Agency, Inc.                                       Kentucky

Award Insurance Services, LLC(4)                               Colorado

Bond America(4)                                                California

Gulfco Insurance Services, Inc.                                Louisiana

Advantage Casualty & Health Agency                              Texas

Surety Bond Connection Agency                                   Texas

Agents Bond Connection Agency                                   Texas
</TABLE>

    (1) The Company owns 94% interest.
    (2) The Company owns 95% interest.
    (3) The Company owns 85% interest.
    (4) The Company owns 80% interest.