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                                                                  Exhibit 10.10

                               AMENDMENT NO. 1
                                     TO
                         THE SEIBELS BRUCE GROUP, INC.
              1995 STOCK OPTION PLAN FOR NON-EMPLOYEE DIRECTORS

THIS AMENDMENT (the "Amendment"), made effective as of November 11, 1999, to
The Seibels Bruce Group, Inc.'s (the "Company") 1995 Stock Option Plan for
Non-Employee Directors (the "Plan"), is hereinafter set forth:

                             W I T N E S S E T H:

WHEREAS, the Company established the Plan to attract, retain and compensate
highly qualified individuals who are not employees of the Company for service
as members of the Board of Directors; and

WHEREAS, the Board of Directors has determined that it is in the best
interests of the Company to eliminate the six month period in which directors
may exercise options after termination of service as a director;

NOW, THEREFORE, IN ACCORDANCE WITH Section 10(a) of the Plan, the Plan is
hereby amended as follows:

SECTION 1.     AMENDMENTS.

        (a)    Section 6(d) of the Plan is hereby amended by replacing it in
               its entirety with the following:

               "(d)  TERMINATION OF SERVICE. In the event of the termination
               of service on the Board by the holder of any option, other
               than for Cause as set forth in paragraph (e) hereof, each of
               the then outstanding options of such holder will continue to
               become exercisable in accordance with Section 6(c) above and
               shall expire on their stated expiration date."

        (b)    Section 6(e) of the Plan is hereby amended by replacing it in
               its entirety with the following:

               "(e)   CAUSE. In the event of the termination of service on
               the Board by the holder of any option for Cause, the then
               outstanding options of such holder shall be cancelled
               immediately upon termination and any rights under the Plan
               shall be forfeited. Cause shall mean (i) the engaging in
               criminal conduct which is injurious to the Company, monetarily
               or otherwise, (ii) the conviction of, pleading guilty to,
               pleading "no contest" to, or confessing to any felony, pleading
               "no contest" to, or confessing to any misdemeanor which
               impairs the ability to perform the duties as a member of the
               Board, (iii) the engaging in a fraudulent act relating to the
               business of the Company or otherwise to the damage or
               prejudice of the Company or any affiliate of the Company
               or in conduct or activities damaging to the property,
               business or reputation of the Company or any affiliate of the
               Company, all as determined by the non-affected members of
               the Board, (iv) any negligent act or malfeasance which is
               injurious to the Company, monetarily or otherwise or (v) any
               other activity that is deemed in good faith by the Board
               to be detrimental to the Company."

SECTION 2.     CONTINUATION.

The Plan, as amended by this Amendment, shall continue in full force and
effect in accordance with its terms.

SECTION 3.     APPLICATION.

The amendments contained in Section 1 of this Amendment No. 1 shall apply to
all options that are issued and exercisable under the Plan as of November 11,
1999.

IN WITNESS WHEREOF, The Seibels Bruce Group, Inc. has caused this Amendment
to be executed in its name and on its behalf by a corporate officer and
attested, all as of the date first written above.

                                  The Seibels Bruce Group, Inc.

                                  By: /s/ R. Thomas Savage, Jr.
                                      -----------------------------------
                                  Name: R. Thomas Savage, Jr.
                                        ---------------------------------
                                  Title: President and CEO
                                        ---------------------------------