|Exhibit 10(ttt)



INDEMNIFICATION
AGREEMENT


This
Indemnification Agreement (the Agreement), made as of June 5, 2002, by and between
FPIC INSURANCE GROUP, INC.,a Florida corporation (the Company), and JOAN D. RUFFIER,a
director and/or officer of the Company (the Indemnitee).


W I T N E S S E T H   T H
A T:



WHEREAS,
the Company desires to retain and attract as directors and officers the most capable
persons available; and


WHEREAS,
 the Company and Indemnitee  recognize that Indemnitee is unable to acquire adequate or
reliable advance knowledge or guidance with respect to the legal risks and potential
civil liabilities to which she may become  personally  exposed as a result of performing
her duties in good faith for the Company; and


WHEREAS,
 the  Company  and  Indemnitee  recognize  that  the cost of  defending  against  such
 lawsuits,  whether  or not meritorious, is typically beyond the financial resources of
most individuals; and


WHEREAS,
 the  Articles  of  Incorporation  and Bylaws of the Company  permit the Company to
 indemnify  its  officers  and directors to the fullest extent permitted by law; and


WHEREAS,
 Section  607.0850 of the Florida  Statutes  sets forth  certain  provisions  relating to
the  indemnification  of officers and directors of a Florida corporation by such
corporation; and


WHEREAS,
 the Company desires to have  Indemnitee  continue to serve as an officer and/or director
of the Company free from any undue concern,  from  unpredictable,  inappropriate  or
unreasonable  civil risks and personal civil  liabilities,  by reason of acting in good
faith in the  performance  of her duties to the  Company  and  Indemnitee  desires to
continue to serve as an officer and/or director of the Company; provided, on the express
condition, that she is furnished with the indemnity set forth herein;


NOW,
 THEREFORE,  in  consideration of the mutual covenants and agreements below and based on
the premises set forth above, the Company and Indemnitee do hereby agree as follows:


1.
Definitions.As used in the Agreement:
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| | (a)
The term Proceeding shall include any threatened, pending or completed action,
suit or proceeding, whether brought in the name of the Company or otherwise and
whether of civil, administrative or investigative nature, including, but not
limited to, actions, suits, or proceedings brought under and/or predicated upon
the Securities Act of 1933, as amended, and/or the Securities Exchange Act of
1934, as amended, and/or their respective state counterparts and/or any rule or
regulation promulgated thereunder, in which Indemnitee may be or may have been
involved as a party or otherwise, by reason of any action taken by her or any
inaction on her part while acting as such director and/or officer or by reason
of the fact that she is or was serving at the request of the Company as a
director, officer, employee or agent of another corporation, partnership, joint
venture, trust or other enterprise, whether or not she is serving in such
capacity at the time any liability or expense is incurred for which
indemnification or reimbursement can be provided under this Agreement. The term
Proceeding shall not include any criminal action or proceeding.
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|Exhibit 10(ttt)
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| | (b)
     The term  Expenses  includes,  without  limitation  thereto,  expenses of
 investigations,  judicial or      administrative  proceedings  or appeals,  amounts paid
in settlement  by or on behalf of  Indemnitee,  attorneys  fees and      disbursements
and any expenses of establishing a right to  indemnification  under Paragraph 7 of this
Agreement,  but shall      not include the amount of  judgments,  fines or penalties
 actually  levied  against  Indemnitee  and shall not include any      Expenses incurred
in connection with any criminal Proceeding.
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| | (c)
     References  to other  enterprise  shall include  employee  benefit  plans;
 references to fines shall      include an excise tax assessed  with respect to any
employee  benefit  plan;  references  to serving at the request of the      Company
 shall include any service as a director,  officer,  employee or agent of the Company
which imposes  duties on, or      involves  services  by,  such  director,  officer,
 employee,  or agent  with  respect to an  employee  benefit  plan,  its
     participants,  or beneficiaries;  references to employee benefit plans shall
include, and not be limited to, stock option      plans,  stock award plans,  stock
purchase plans,  401(k) plans,  pension plans,  health and welfare plans,  and retirement
     plans;  and a  person  who  acts in good  faith  and in a manner  she  reasonably
 believes  to be in the  interest  of the      participants  and  beneficiaries  of an
employee benefit plan shall be deemed to have acted in a manner not opposed to the
     best interests of the Company as referred to in this Agreement.
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|2.
Agreement to Serve.Indemnitee agrees to serve or continue to serve as a director
and/or officer of the Company at the will of the Company or under separate contract,
as the case may be, for so long as she is duly elected or appointed or until such
time as she tenders her resignation in writing.


3.
Indemnity in Third Party Proceedings.The Company shall indemnify Indemnitee in
accordance with the provisions of this section if Indemnitee is a party to or
threatened to be made a party to or otherwise involved in any Proceeding (other than
a Proceeding by or in the name of the Company to procure a judgment in its favor), by
reason of the fact that Indemnitee is or was a director and/or officer of the
Company or is or was serving at the request of the Company as a director, officer,
employee or agent of another corporation, partnership, joint venture, trust or other
enterprise, against all Expenses, judgments, fines and penalties, actually and
reasonably incurred by Indemnitee in connection with the defense or settlement
of such Proceeding, provided it is determined pursuant to Paragraph 7 of this
Agreement or by the court before which such action was brought, that Indemnitee
acted in good faith and in a manner which she reasonably believed to be in good faith
and in a manner she believed to be in or not opposed to the best interests of the Company.


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|Exhibit 10(ttt)



4.
Indemnity in Proceedings By or in the Name of the Company.The Company shall
indemnify Indemnitee in accordance with the provisions of this section if Indemnitee
is a party to or threatened to be made a party to or otherwise involved in any
Proceeding by or in the name of the Company to procure a judgment in its favor by
reason of the fact that Indemnitee was or is a director and/or officer of the Company
or is or was serving at the request of the Company as a director, officer, employee
or agent of another corporation, partnership, joint venture, trust or other
enterprise against all Expenses actually and reasonably incurred by Indemnitee in
connection with the defense or settlement of such Proceeding, but only if she acted in
good faith and in a manner which she reasonably believed to be in or not opposed
to the best interests of the Company, except that no indemnification for
Expenses shall be made under this Paragraph 4 in respect of any claim, issue or matter
as to which Indemnitee shall have been adjudged to be liable to the Company, unless
and only to the extent that any court in which such Proceeding is brought shall
determine upon application that, despite the adjudication of liability but in view of
all the circumstances of the case, Indemnitee is fairly and reasonably entitled to
indemnity for such expenses as such court shall deem proper.


5.
Indemnification of Expenses of Successful Party.Notwithstanding any other
provisions of this Agreement, to the extent that Indemnitee has been successful on
the merits or otherwise, in defense of any Proceeding or in defense of any claim, issue
or matter therein, including the dismissal of an action without prejudice,
Indemnitee shall be indemnified against all Expenses incurred in connection therewith.


6.
Advances of Expenses.The Expenses incurred by Indemnitee pursuant to Paragraphs
3 and 4 in any Proceeding shall be paid by the Company in advance at the written request
of Indemnitee, if Indemnitee shall undertake to repay such amount to the extent that it
is ultimately determined that Indemnitee is not entitled to indemnification.


7.
Right of Indemnitee to Indemnification Upon Application; Procedure Upon
Application.Any indemnification or advance under Paragraphs 3, 4, and/or 6
hereof shall be made no later than 45 days after receipt of the written request of
Indemnitee, unless a determination is made within such 45 day period by (a) the Board
of Directors of the Company by a majority vote of a quorum thereof consisting of
directors who were not parties to such Proceedings, or (b) independent legal counsel
in a written opinion (which counsel shall be appointed if such a quorum is not
obtainable), that Indemnitee has not met the relevant standards for indemnification
set forth in Paragraphs 3 and 4.


The
right to  indemnification  or advances as provided by this Agreement shall be enforceable
by Indemnitee in any court of competent  jurisdiction.  The burden of proving  that
 indemnification  or advances  are not  appropriate  shall be on the  Company. Neither
the failure of the Company  (including  its Board of Directors or independent  legal
 counsel) to have made a  determination prior to the commencement of such action that
 indemnification  or advances are proper in the circumstances  because  Indemnitee has
met the  applicable  standard  of  conduct,  nor an  actual  determination  by the
 Company  (including  its Board of  Directors  or independent legal counsel) that
Indemnitee has met such applicable  standard of conduct,  shall be a defense to the
action or create a presumption  that Indemnitee has not met the applicable  standard of
conduct.  Indemnitees  Expenses  incurred in connection with successfully  establishing
 her right to  indemnification  or advances,  in whole or in part, in any such
 Proceeding  shall also be indemnified by the Company.


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|Exhibit 10(ttt)


8.
Indemnification Hereunder Not Exclusive.The indemnification provided by this
Agreement shall not be deemed exclusive of any other rights to which Indemnitee may
be entitled under the Companys Articles of Incorporation, Bylaws, or another
capacity while holding such office. The indemnification under this Agreement shall
continue as to Indemnitee even though she may have ceased to be a director and/or
officer of the Company and shall inure to the benefit of the heirs and personal
representatives of Indemnitee.


9.
Partial Indemnification.If Indemnitee is entitled under any provision of this
Agreement to indemnification by the Company for some or a portion of the Expenses,
judgments, fines or penalties actually and reasonably incurred by her in the
investigation, defense, appeal or settlement of any Proceeding but not, however, for
the total amount thereof, the Company shall nevertheless indemnify Indemnitee for the
portion of such Expenses, judgments, fines or penalties to which Indemnitee is entitled.


10.
Presumption of Indemnification.For purposes of this Agreement, determination
of any Proceeding, suit or proceeding by any means shall not create a presumption that
Indemnitee did not meet any particular standard of conduct; act in the best interests
of the Company; have any particular belief; or that a court has determined that
indemnification is not permitted by applicable law.


11.
Liability Insurance.To the extent that Company maintains an insurance policy or
policies providing directors and officers liability insurance, Indemnitee shall be
covered by such policy or policies, in accordance with its or their terms, to the
maximum extent of the coverage available for any director and/or officer of the Company.


IN
WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed as of the
date first above written.
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| | FPIC INSURANCE GROUP, INC.
| | --------------------------
| | By                        
| | INDEMNITEE:               
| | By                        

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