Exhibit 10(n)
                          FPIC INSURANCE GROUP, INC.

                             EMPLOYMENT AGREEMENT

      This Employment Agreement is made and entered into as of the 22nd day of
November 1999 by and between FPIC Insurance Group, Inc., a Florida corporation,
with its principal place of business at 225 Water Street, Suite 1400,
Jacksonville, Florida 32202 (hereinafter referred to as "Employer"), and Kim D.
Thorpe, an individual presently residing at 10135 Gate Parkway N., #1705,
Jacksonville, FL 32246 (hereinafter referred to as "Employee").

                                 WITNESSETH:

      WHEREAS, Employer desires to retain the services of Employee as the
Executive Vice President - Chief Financial Officer of Employer, and Employee
desires to perform such services for Employer on the terms and conditions set
forth herein;

      WHEREAS, Employee represents and Employer acknowledges that Employee is
fully qualified, without the benefit of any further training or experience, to
perform the responsibilities and duties, with commensurate authorities, of the
position of Executive Vice President - Chief Financial Officer of Employer; and

      WHEREAS, Employee agrees to devote Employee's full time and business
effort, attention and energies to the diligent performance of Employee's duties
hereunder;

      NOW, THEREFORE, Employer and Employee, intending to be legally bound,
covenant and agree as follows:

      1.    Terms of Employment.
            -------------------

            (a)   Employee's employment hereunder shall be for a term beginning
                  November 22, 1999 and ending December 31, 2001, which term
                  shall be extended for an additional year at the end of each
                  calendar year, commencing with calendar year 2000, upon
                  Employer's Board of Directors (from time to time herein
                  referred to as the "Board"), or a committee thereof, giving
                  notice to Employee prior to the end of such calendar year that
                  it wishes to extend this Employment Agreement for an
                  additional year.

            (b)   In the event Employer does not give notice to Employee prior
                  to the end of any calendar year, commencing with calendar year
                  2000, that it wishes to extend this Employment Agreement as
                  specified in subparagraph (a) above, Employee may voluntarily
                  terminate Employee's employment under this Employment
                  Agreement by giving at least ninety (90) days written notice
                  to Employer. Following the effective date of such voluntary
                  termination, Employee shall continue to receive Employee's
                  annual salary, payable as immediately prior to termination,
                  plus all benefits to which Employee is then entitled for the
                  balance of the term of this Employment Agreement. It is
                  provided, however, if Employee directly or indirectly engages
                  in or acts as an executive of or consultant for any trade or
                  occupation that is in competition with Employer, such salary
                  and benefits shall thereupon terminate.

            (c)   The duties of Employee shall be as determined by the Board in
                  accordance with this Employment Agreement and the By-Laws of
                  Employer in effect from time to time. Employee may not be
                  reassigned to an inferior position, given a change in
                  classification or reclassified, or transferred, nor shall
                  Employee's responsibilities, duties, authority or title change
                  during the term of this Employment Agreement, except as
                  provided in subparagraph 1(b) above. Without limiting the
                  generality of the foregoing, Employee shall report to and
                  advise the Board regarding the management and operation of
                  Employer's business. Employee agrees to devote Employee's full
                  time business efforts, attention and energies to the diligent
                  performance of Employee's duties hereunder and will not,
                  during the term hereof, accept employment, full or part-time,
                  from any other person, firm, corporation, governmental agency
                  or other entity that, in the reasonable opinion of the Board,
                  would conflict with or
<PAGE>

                  detract from Employee's capable performance of such duties,
                  provided, however, Employee may devote reasonable amounts of
                  time to activities of a public service, civic, or
                  not-for-profit nature.

      2. Compensation and Expenses. Employer shall pay, or provide, and Employee
shall accept as full consideration for the services to be rendered hereunder,
and as a reimbursement or provision for expenses incurred by Employee the
following:

            (a)   An annual salary of $260,000 (prorated for 1999) payable in
                  twenty-four (24) equal payments during each year of this
                  Employment Agreement; provided, however, that effective
                  January 1 of each year beginning in 2001, Employee's annual
                  compensation shall be increased in accordance with the
                  provision for salary increases set forth in paragraph (b)
                  below. Employee's minimum total compensation, which in no
                  event may be reduced in whole or in part, shall be the annual
                  salary at the rate of compensation received by Employee for
                  any given period of time or at the time of Employee's
                  termination.

            (b)   Annual performance reviews will determine annual salary
                  increases to which Employee becomes entitled, effective
                  January 1, 2001, based upon Employer's then current
                  Compensation Program.

            (c)   Incentive compensation payable with respect to each year
                  beginning with the year 2000 based on Employee's individual
                  performance and the performance of Employer for the prior year
                  pursuant to Employer's then current Executive Incentive
                  Compensation Program.

            (d)   Any  additional  compensation  payable by  resolution of the
                  Board for outstanding performance.

            (e)   Such benefits as may be made available from time to time to
                  senior management employees of Employer, but at no time, less
                  than: (i) a personal company automobile including all the
                  costs of operating, maintaining and licensing the automobile
                  and (ii) initiation fees, dues, assessments and other expenses
                  of membership in appropriate clubs or organizations of
                  Employee's choice, as reasonably approved by Employer's Board
                  or an appropriate committee thereof.

      3. Expenses. Employer agrees to reimburse Employee for ordinary and
necessary expenses incurred by Employee in performing services for Employer
pursuant to the terms of this Employment Agreement, in accordance with
established corporate policies.

      4. Termination. Unless the employment of Employee previously has been
terminated pursuant to subparagraph 1(b), this Employment Agreement may be
terminated in the manner set forth in subparagraphs (a) through (f) below.

            (a)   Voluntary Termination by Employee.
                  ---------------------------------

                  Employee may terminate this Employment Agreement at any time
                  by giving at least ninety (90) days written notice to
                  Employer, with no further obligation on Employer's part after
                  the effective date of such termination. It is agreed that
                  should Employee voluntarily terminate Employee's employment
                  prior to the end of the initial term of this Employment
                  Agreement, Employee shall forfeit all rights to compensation
                  and all benefits based upon compensation occurring after the
                  effective date of such termination.

            (b)   Voluntary Termination by Employer.
                  ---------------------------------

                  Employer may terminate this Employment Agreement at any time
                  for any reason sufficient to it, by act of its Board. Such
                  termination shall be immediately effective. Following such
<PAGE>

                  voluntary termination, Employee shall continue to receive
                  Employee's annual salary, payable immediately prior to
                  termination, together with any benefits accrued to the date of
                  termination, plus all benefits to which Employee is then
                  entitled, for the balance of the then current Employment
                  Agreement, provided, however, if Employee directly or
                  indirectly engages in or acts as an executive of or consultant
                  for any trade or occupation that is in competition with
                  Employer, such salary and benefits shall thereupon terminate.

            (c)   Permanent Disability of Employee.
                  --------------------------------

                  If Employee has been, for substantially all the normal working
                  days during three (3) consecutive months, unable to perform
                  Employee's responsibilities and duties and to exercise
                  Employee's authorities in a satisfactory manner due to mental
                  or physical disability, then Employee may be deemed
                  "permanently disabled," and Employee's employment may be
                  terminated at the election of the Board of Employer. Any
                  determination of permanent disability made by Employer shall
                  be final and conclusive. In the event that Employer deems
                  Employee "permanently disabled," Employee shall be entitled to
                  receive the unpaid balance of Employee's annual salary,
                  together with other accrued benefits to the date of the
                  determination of being permanently disabled, payable as
                  immediately prior to termination for the remaining term of
                  this Employment Agreement, less any amount received by
                  Employee under any Employer-provided long term disability
                  coverage and/or program; provided, however, if Employee
                  directly or indirectly engages in or acts as an executive of
                  or consultant for any trade or occupation that is in
                  competition with Employer, such salary and benefits shall
                  thereupon terminate.

            (d)   Death of Employee.
                  -----------------

                  This Employment Agreement shall terminate on the date of
                  Employee's death, and Employer shall pay, in a lump sum, to
                  the estate or personal representative of Employee the unpaid
                  balance of Employee's annual salary, together with other
                  accrued benefits, to the date of death.

            (e)   Termination for Cause.
                  ---------------------

                  Employer's Board may terminate this Agreement for cause, but
                  only after a written notice specifying the cause has been
                  submitted to Employee. Employee shall be granted a reasonable
                  opportunity to respond to the notice, in writing, and in an
                  appearance before the Board. A determination by the Board to
                  terminate this Agreement for cause may be made at a meeting of
                  the Board at which a quorum is present and by a vote of at
                  least a majority of the entire then current membership of the
                  Board. If Employer terminates this Employment Agreement for
                  cause under this subparagraph, Employer shall not be obligated
                  to make any further payments under this Employment Agreement
                  other than amounts accrued at the time of such termination.
                  "Cause" for the purposes of this Agreement consists of the
                  following:

                  (i)   Employee's   commission  of  dishonest  acts,   fraud,
                  misappropriation, or embezzlement affecting Employer;

                  (ii)  Employee's  commission  of any felony  under  state or
                  federal law; or

                  (iii) the failure or refusal of Employee to comply with any
                  reasonable lawful policy, directive or instruction of the
                  Board, consistent with subparagraph l(c) hereof

            (f)   Constructive Discharge. Employee may terminate this Employment
                  Agreement in the event of Constructive Discharge by providing
                  written notice to Employer within three months after the
                  occurrence of such event, specifying the event relied upon for
                  a Constructive Discharge. "Constructive Discharge" shall mean
                  any (i) material change by Employer of Employee's
<PAGE>

                  position, functions, or duties to an inferior position,
                  functions, or duties from that in effect on the date of this
                  Agreement, (ii) assignment, reassignment, or relocation by
                  Employer of Employee without Employee's consent to another
                  place of employment more than 50 miles from Employee's current
                  place of employment, (iii) liquidation, dissolution,
                  consolidation or merger of Employer, or transfer of all or
                  substantially all of its assets, other than a transaction or
                  series of transactions in which the resulting or surviving
                  transferee entity has, in the aggregate, a net worth at least
                  equal to that of Employer immediately before such transaction
                  and expressly assumes this Agreement and all obligations and
                  undertakings of Employer hereunder, or (iv) reduction in
                  Employee's base salary or target bonus opportunity (if greater
                  than the target bonus opportunity, the average of the annual
                  bonuses paid to Employee in the three calendar years prior to
                  the calendar year of the Constructive Discharge). Following
                  termination of Employee's employment in the event of a
                  Constructive Discharge, Employee shall continue to receive
                  Employee's annual salary, payable as immediately prior to
                  termination, plus all benefits to which Employee is then
                  entitled, for the balance of this Agreement, provided,
                  however, if Employee directly or indirectly engages in or acts
                  as an executive of or consultant for any trade or occupation
                  that is in competition with Employer, such salary and benefits
                  shall thereupon terminate. Employer and Employee, upon mutual
                  agreement, may waive any of the foregoing provisions that
                  would otherwise constitute a Constructive Discharge. Within
                  ten days of receiving such written notice from Employee,
                  Employer may cure the event that constitutes a Constructive
                  Discharge.

            (g)   Upon any termination of this Agreement, Employee shall
                  immediately turn over to Employer all of Employer's property,
                  both tangible and intangible. To the extent that such
                  Employer's property shall constitute a benefit to Employee
                  under this Agreement, Employee shall receive from Employer the
                  value of that benefit for the remaining term of this
                  Agreement.

            (h)   Upon any  termination of this  Agreement,  regardless of the
                  reason for termination, it is agreed:

                  (i) Inducing Employees of Employer to Leave. Any attempt on
                  the part of Employee to induce others to leave Employer's
                  employ, or any efforts by Employee to interfere with
                  Employer's relationships with other employees, would be
                  harmful and damaging to Employer. Employee expressly agrees
                  that during the term of this employment and for a period of
                  two (2) years thereafter, Employee will not, in any way,
                  directly or indirectly: (A) induce or attempt to induce any
                  employee to terminate his or her employment with Employer; (B)
                  interfere with or disrupt Employer's relationship with other
                  employees; or (C) solicit, entice, take away or employ any
                  person employed by Employer.

                  (ii) Confidentiality. Employee agrees not to, without prior
                  written consent of Employer, divulge to others, or use, for
                  Employee's own benefit or for the benefit of others, any
                  intellectual property, trade secrets or confidential or
                  proprietary information or data of Employer, including without
                  limitation, the contents of advertising, customer lists,
                  information regarding customers or their customers,
                  programming methods, business plans, strategies, financial
                  statements, copyrights, correspondence or other records of
                  Employer, except to the extent to which such information is
                  required by law to be disclosed to others.

                  (iii) Remedy. Employee acknowledges that Employee will be
                  conversant with Employer's affairs, operations, trade secrets,
                  customers, customers' customers and other proprietary
                  information data; that Employee's compliance with the
                  provisions of this subparagraph is necessary to protect the
                  goodwill and other proprietary rights of Employer; and that
                  Employee's failure to comply with the provisions of this
                  subparagraph will result in irreparable and continuing damage
                  to Employer for which there will be no adequate remedy at law.
                  If Employee shall fail to comply with the provision of this
                  subparagraph, Employer (and its respective successors and
                  assigns) shall be entitled to injunctive relief and to such
                  other and further relief as may be proper and necessary to
                  ensure such compliance.
<PAGE>
                  (iv) Mitigation. In no event shall Employee be obligated to
                  seek other employment or to take other action by way of
                  mitigation of the amounts payable to Employee under any of the
                  provisions of this Agreement.

      5.    Employment Security.
            -------------------

            (a)   If Employer suffers from any natural or manmade disaster, work
                  stoppage, civil disobedience, act of war, or any other
                  emergency condition beyond Employee's control, the term of
                  this Employment Agreement shall remain in full force and
                  effect as if such event had not taken place.

            (b)   In the event of the merger, consolidation or acquisition of
                  Employer with or by any other corporation, corporations or
                  other business entities, the sale of Employer or a major
                  portion of its assets, or of its business or good will or any
                  other corporate reorganization involving Employer, this
                  Employment Agreement shall be assigned and transferred to the
                  successor in interest as an asset of Employer and the assignee
                  shall assume Employer's obligations hereunder, and Employee
                  agrees to continue to perform Employee's duties and
                  obligations hereunder. Failure to assign this Employment
                  Agreement prior to any of the events set forth in this
                  subparagraph 5(b) will obligate Employer to fulfill the terms
                  and conditions hereof prior to consummating the applicable
                  event.

      6. Arbitration. In the case of any dispute or disagreement arising out of
or connected with this Agreement, the parties hereby agree to submit such
disputes or disagreements to the American Arbitration Association within ninety
(90) days of such dispute or disagreement for resolution by a panel of three
arbitrators designated by the American Arbitration Association. The panel of
arbitrators shall be instructed to render their decision within one hundred
twenty (120) days of the initial submission of the dispute or disagreement to
them. Any decision or award by such arbitration panel shall be final and
binding, and except in a case of gross fraud or misconduct by one or more of the
arbitrators, the decision or award rendered with respect to such dispute or
disagreement shall not be appealable.

      7.    Miscellaneous.
            -------------

            (a)   All notices, requests, demands, or other communications
                  hereunder shall be in writing, and shall be deemed to be duly
                  given when delivered or sent by registered or certified mail,
                  postage prepaid, to Employee's last home address as provided
                  to and reflected on the records of Employer and to Employer
                  when personally delivered to Employer's Secretary or when sent
                  by registered or certified mail, postage prepaid, to such
                  officer.

            (b)   Employer hereby agrees that no request, demand or requirement
                  shall be made to or of Employee that would violate any federal
                  or state law or regulations.

            (c)   Should any valid federal or state law or final determination
                  of any administrative agency or court of competent
                  jurisdiction affect any provision of this Employment
                  Agreement, the provision so affected shall be automatically
                  conformed to the law or determination; otherwise, this
                  Employment Agreement shall continue in full force and effect.

            (d)   This Employment Agreement is made and entered into in the
                  State of Florida and its validity and interpretation, and the
                  performance by the parties hereto of their respective duties
                  and obligations hereunder, shall be governed by the laws of
                  the State of Florida and of the United States of America.

            (e)   This Employment Agreement and any agreements executed
                  contemporaneously herewith constitute the entire agreement
                  between the parties respecting the employment of Employee,
                  there being no representations, warranties or commitments
                  except as set forth herein or therein.
<PAGE>
            (f)   This Employment Agreement may be amended only by an instrument
                  in writing executed by the parties hereto.

      IN WITNESS WHEREOF, the parties hereto have executed this Employment
Agreement as of the day and date first set forth above.

Employee:                               FPIC Insurance Group, Inc.


                                        By
------------------------------            ------------------------------------
Kim D. Thorpe                              William R. Russell
                                           President and Chief Executive Officer

------------------------------            ------------------------------------
Attest                                        Attest