<PAGE>

     CROP GROWERS CROP HAIL/NAMED PERIL INSURANCE GENERAL AGENCY
                             AGREEMENT
             (hereinafter referred to as the "Agreement")

                   entered into by and between

                FIREMAN'S FUND INSURANCE COMPANY
                      Novato, California
           (hereinafter referred to as the "Company")

                             and

                  CROP GROWERS INSURANCE, INC.
                     Overland Park, Kansas
         (hereinafter referred to as the "General Agent")

SECTION 1 - APPOINTMENT OF GENERAL AGENT

     1.1  The Company hereby appoints the General Agent to conduct and supervise
the writing of Crop Hail and certain Named Peril Insurance ("CH/NP Insurance")
commencing January 1, 1997.

     1.2  The General Agent hereby accepts the Company's appointment, and agrees
to perform the duties and discharge the responsibilities described herein, as
well as follow the Company's rules and regulations pursuant to Section 2.2
hereof, to the best of its ability, knowledge, skill and judgment while at all
times complying with all applicable federal, state and local statutes, rules,
regulations, and requirements.


SECTION 2 - GENERAL AUTHORITY, DUTIES AND RESPONSIBILITIES,
     LIMITATIONS AND PROHIBITED ACTS

     2.1  The General Agent is authorized, subject to the terms, conditions and
limitations stipulated herein, to:

    a.   solicit, receive and evaluate proposals and applications for CH/NP
         Insurance.  The Named Perils for which the General Agent may write
         insurance shall include those Perils listed in Schedule 2.1 of this
         Agreement;

    b.   accept and bind CH/NP Insurance in those territories and jurisdictions
         authorized under this Agreement, consistent with the Underwriting
         Authority granted in section 7 of this Agreement.  The territories
         and jurisdictions authorized under


                          Page 1

<PAGE>

         this Agreement are listed in Schedule 2.1 of this Agreement;

    c.   issue policies of insurance and endorsements thereto for CH/NP
         Insurance, and cancel or nonrenew such policies where legally
         permitted, it being understood that nothing herein shall impair
         the Company's independent right legally to cancel or nonrenew any
         such policies;

    d.   accept CH/NP Insurance business from other producers who are properly
         licensed and appointed to write such business in the states having
         jurisdiction over such producers or the states in which such CH/NP
         Insurance business is located;

    e.   appoint local agents and/or brokers ("Producers") who are lawfully
         licensed to solicit CH/NP Insurance business consistent with
         applicable laws and to suspend and terminate such appointments as
         necessary; and

    f.   appoint sub-general agents to the extent permitted by law in limited
         jurisdictions with the consent of the Company.

    2.2  The General Agent shall, in all cases and at all times, observe and
obey all rules, instructions and directives consistent with the terms of this
Agreement as the Company may, from time to time and at any time, reasonably
promulgate and provide notice to the General Agent, and shall not bind the
Company in contravention of any such rules, instructions or directives.

     2.3  The General Agent shall comply with all laws and regulations governing
the Company and the General Agent with respect to the insurance business written
within the scope of this Agreement, and shall file for approval all documents as
may be required by the applicable regulatory authorities.  The General Agent
shall promptly report all appointments of local agents or sub-agents to the
Company and prepare, handle and process all filings regarding such appointments.
Such appointments shall be accomplished consistent with all applicable State
laws and all rules, instructions and directives regarding such appointment
process consistent with Section 2.2.

     2.4  Except as otherwise provided in this Agreement, the General Agent
shall maintain all records, including, but not limited to, statistical and
accounting records, that an insurance company would maintain with respect to
the insurance business subject hereto so as to allow the Company

                           Page 2

<PAGE>

to make only general ledger entries in its books and records, with all other
data maintained by the General Agent and provided by the General Agent to the
Company as necessary to enable the Company to prepare its annual convention
statement and any other reports required by any governmental agency, and to
submit the data required by the various reporting bureaus.  The General Agent
shall retain the records pertaining to the business subject hereto for as long
as applicable statutes require.

     2.5  The General Agent's authority under this Agreement is subject to the
following limitations:

    a.   no policy of insurance shall either directly or indirectly be
         solicited, sold, issued or delivered at any modification from the
         rate(s) specified by the Company unless prior written
         authority is obtained from the Company;

    b.   each policy of insurance, including any endorsement to such
         contract(s) executed by the General Agent under the power and
         authority conferred upon the General Agent by this Agreement, shall
         be in the form specified by the Company or supplied to the General
         Agent by the Company for such purpose;

    c.   the General Agent must keep the Company informed; at the Company's
         request  the General Agent shall send to the Company evidences of
         insurance,  including endorsements, and report in writing or by
         electronic data  transmission all insurance accepted, issued and
         bound, canceled or nonrenewed; at the Company's request the General
         Agent shall report all  insurance accepted, issued and bound no
         later that thirty (30) days  following either: (i) the effective
         date of the insurance, or (ii) the date the insurance is accepted,
         whichever occurs first; at the Company's request the General Agent
         shall report all insurance canceled no more than thirty (30) days
         following the effective date of cancellation;

    d.   no policy of insurance shall either directly or indirectly be
         solicited, sold, issued or delivered at any modification from the
         limits of liability specified in Schedule 2.5 (which Schedule may be
         amended by the Company from time to time in its sole discretion
         after consultation with the General Agent) unless prior written
         authority is obtained from the Company.


                            Page 3

<PAGE>


    2.6  The General Agent shall not:

        a.   commit the Company to participate in any insurance or reinsurance
             syndicate;

        b.   bind reinsurance or retrocessions on the Company's behalf;

        c.   knowingly accept business from any Producer without assuring
             that the Producer is lawfully licensed to transact the type of
             insurance which he is soliciting;

        d.   appoint any sub-general agent in conformity with applicable state
             requirements without the Company's consent, consistent with any
             restrictions required by the Company;

        e.   knowingly appoint as a local agent of the Company any person who
             serves on the Company's board of directors;

        f.   knowingly employ any individual who is also employed by the
             Company;

        g.   knowingly allow any person to participate in the business of
             insurance in violation of 18 U.S.C. Section 1033 et seq.;

        h.   use or distribute any advertising or promotional material bearing
             the Company's name without first obtaining the written approval of
             the Company;

        i.   assign this Agreement in whole or in part; or

        j.   assign, contract with others for, or "outsource" the General
             Agent's duties and responsibilities regarding the appointment of
             local agents or subagents, except loss adjustment services to Crop
             Loss Adjusting Services, Inc., without the Company's written
             consent.


SECTION 3 - POLICY FORMS, SUPPLIES AND LICENSES

     3.1  The General Agent shall be responsible for all policy forms entrusted
to it, whether issued or not.

     3.2  All supplies furnished by the Company to the General Agent, as well as
any policy forms, guidelines, manuals or other supplies on which the Company's
name appears, whether supplied by the Company or not, shall be

                        Page 4

<PAGE>


and remain the property of the Company and shall be turned over to the Company
promptly upon demand.  In the event that any such supplies shall contain
information that is proprietary to the General Agent at the time of such demand
for return by the Company, the General Agent may, in lieu of returning such
supplies, destroy all copies of such supplies containing such proprietary
information.  All licenses and other material relating to governmental licensing
or authorization of the Company with respect to this Agreement shall be and
remain the property of the Company and shall be turned over to the Company by
the General Agent promptly upon demand.

     3.3  The General Agent shall be responsible for issuing the Company's
policies for CH/NP Insurance.  All policies issued by the General Agent shall
match and comply with the rules, rates, form, content and terms developed and
promulgated by National Crop Insurance Services and adopted by the Company, all
as provided by the Company to the General Agent in writing ("Fireman's Fund
CH/NP Insurance Program").  The General Agent acknowledges receipt of and
accepts the rules, rates, and policy requirements of the Fireman's Fund CH/NP
Insurance Program and agrees not to deviate from such rules, rates, and policy
requirements, as modified and amended by the Company from time to time in the
Company's sole discretion after consultation with the General Agent, consistent
with the terms of this Agreement.


SECTION 4 - BILLING & PREMIUM

     4.1  The General Agent is responsible for billing and collecting all
premiums for all CH/NP Insurance written pursuant to this Agreement.  The
General Agent is responsible for the collection and remittance of all earned
premiums on business the General Agent places with the Company, less the General
Agent's Total Expense Amount as defined in Section 5.3 below, even if the
General Agent is unable to collect such earned premiums.  "Earned premium" as
used in this Agreement shall refer to the total premium earned on any particular
policy or policies as established by the rates filed with the appropriate State
Insurance Departments without regard to any possible non-filed discount or
reduction in the premium actually charged that may be legally negotiated by the
General Agent, or their agent, with any particular insured or insureds.

     4.2  The General Agent is authorized to pay premiums on behalf of insureds.
If the General Agent pays premium on behalf of any insured, the premium
subsequently collected from the insured on whose behalf the General Agent has
paid

                        Page 5

<PAGE>


premium shall belong to the General Agent and the Company shall have no further
interest therein.

     4.3  All premiums received by the General Agent, either before or after
termination of this Agreement, shall be held by the General Agent in trust in a
fiduciary capacity in a bank(s) that is a member of the Federal Reserve System
and whose accounts are insured by the Federal Deposit Insurance Corporation
pursuant to Section 40-2,132 of the Kansas Insurance Code (hereinafter referred
to as the "Premium Trust Accounts").  Such Premium Trust Account shall be
maintained separately by the General Agent from any other premium trust accounts
of the General Agent and shall be denominated as "Crop Growers' Fireman's Fund
Crop Hail Premium Trust Account(s)".  The General Agent shall deposit only
premiums due to or from the Company and not commingle the funds of any other
insurer or the operating funds of the General Agent with premiums maintained in
the Premium Trust Accounts.  The General Agent may withdraw funds from the
Premium Trust Accounts for the purpose of paying the General Agent's Total
Expense Amount then due the General Agent on premiums remitted by the insureds
and/or remitted to the Company through the settlement process described in
Section 8 and to make Loss Payments (as defined in Section 6.6) to insureds.

     4.4  Premiums held by the General Agent for and on behalf of the Company in
the Premium Trust Accounts may be invested by the General Agent in Authorized
Investments until paid to the Company.  "Authorized Investments" shall consist
of (a) deposits in deposit accounts or certificates of deposit with maturities
not exceeding one (1) year held in or issued by banks or savings and loan
associations insured by the United States Government and approved by the
Company, or (b) United States government bonds and treasury certificates or
other obligations for which the full faith and credit of the United States are
pledged for payment of principal and interest maturities of not more than one
(1) year, but not contracts or options for the sale and purchase thereof, or
securities indexed thereto.  Notwithstanding anything in the Agreement to the
contrary, the Company, in its sole discretion, may direct the investment of
funds in the Premium Trust Accounts.  It shall be the responsibility of the
General Agent to maintain sufficient liquidity in the Premium Trust Accounts to
make timely payment of all amounts due to the Company and the length of maturity
of any investment in the Premium Trust Account shall not excuse any late payment
or remittance, except that if the Company exercises investment authority over
funds in the Premium Trust Accounts the General Agent may raise such exercise of
investment authority by the Company as a defense to timely payment to the extent
such investment decisions actually

                          Page 6

<PAGE>


create such liquidity or late payment problems.  Any interest and/or dividends
paid on such Authorized Investments shall be for the benefit of and shall be the
property of the Company.  At the Company's request, the General Agent shall
supply the Company with all account records relating to the Premium Trust
Accounts within a week of receipt of such records for purposes of auditing the
operation of the Premium Trust Accounts.

     4.5  The characterization of an account with the General Agent on the
Company's books in the form of a debtor-creditor account shall be deemed merely
a record of business transacted.  Neither the keeping of an account in such
form, nor the rendering of same, nor failure to enforce prompt remittance, nor
alteration in compensation rate, nor compromise or settlement, shall be held to
waive assertion of the fiduciary relationship as to premiums collected by the
General Agent.

     4.6  It is understood that all premiums on business written with the
Company, which are paid to the General Agent, belong to the Company.
Commissions and/or fees the Company pays to the General Agent are debts the
Company owes the General Agent.  The privilege of deducting the General Agent's
Total Expense Amount and/or Loss Payments from premiums due the Company shall
not be construed as a waiver by the Company of the Company's exclusive ownership
of all premiums due.  Should any dispute arise, all such premiums shall be paid
to the Company net of the Total Expense Amount, including any amounts in
dispute, with full reservations of the General Agent's rights.

     4.7  The General Agent must establish and maintain internal controls and
record keeping mechanisms for the safekeeping and full accounting of all cash
receipts, cash disbursements, premium billings, collections and policyholder
records relating to policies or evidences of insurance issued by the Company or
reasonably required for the fulfillment of the General Agent's duties.


SECTION 5 - COMMISSIONS/COMPENSATION/EXPENSES

     5.1  Generally, the General Agent earns commission on CH/NP Insurance when
written, but such commissions are not paid until either remittance of premium by
the insured and/or during the settlement process.  The General Agent is solely
responsible for payment of all commissions, including countersigning commissions
to other producers which bring business to the General Agent, where applicable.

                          Page 7

<PAGE>

     5.2  The rates and terms of the General Agent's commissions are set forth
in the actual rates filed with the various States and appear in Schedule 5.2,
the Schedule of Commissions, forming part of this Agreement.  The Company may
change these rates annually as part of a change of a particular State rate
filings.  If such changes are made, the Company shall provide the General Agent
with an Amended Schedule 5.2 setting forth either the new approved rates or the
proposed but not yet approved rates to the General Agent not later than
September 30 of the year prior to the effective year of the new Schedule of
Commissions.  Notwithstanding the foregoing, if for any reason beyond the
Company's control, including but not limited to rejected rate filings, delay in
the availability of loss cost data from National Crop Insurance Services, etc.,
it is not possible for the Company to provide the Amended Schedule 5.2 by
September 30, the Company shall have such additional reasonable time to provide
the Amended Schedule 5.2 as may be necessary once the reason causing the delay
is rectified.  The General Agent has no right to commissions if the General
Agent is replaced as agent of record, provided, however, that if the General
Agent is replaced as agent of record as a result of any improper action on the
part of the Company that is inconsistent with the terms of this Agreement, the
General Agent shall be entitled to commissions.

     5.3  The General Agent shall be entitled to receive an amount equal to
28.50% of the total earned premium for CH/NP Insurance written in 1997 pursuant
to this Agreement ("Total Expense Amount").  Subsequent years' Total Expense
Amount shall be negotiated each year pursuant to Section 5.2.

                          Paqe 8

<PAGE>


     5.4  The General Agent will also receive profit and growth ("PAG") profit
sharing based upon the combined MPCI, as that term is defined in that certain
MPCI General Agency Agreement by and between the Company and the General Agent
executed July 10, 1996, as may be amended from time to time, and CH/NP Insurance
results.  The PAG profit sharing will be calculated as set forth in Schedule 5.4
to this Agreement and will be paid consistent with the terms of Section 9.4
hereof.  Additionally, if the actual Loss Payments for the CH/NP Insurance
written for any calendar year 60% or less of the total CH/NP earned premium for
such calendar year, the General Agent will receive an additional payment equal
to 1% of the total earned premium for such CH/NP Insurance written during that
calendar year ("Additional Payment").


SECTION 6 - CLAIMS

     6.1  The General Agent shall adjust, compromise, settle, deny and/or pay
all losses incurred under policies issued pursuant hereto, and maintain usual
and customary records with respect to such loss handling in accordance with the
appropriate legal requirements of the various states, and in accordance with any
reasonable requirements made by the Company.  The Company reserves the right to
make final decisions with respect to any matter involving payment, adjustment,
compromise, settlement or denial of any disputed claim or claim expense.

     6.2  The Company shall adjust, compromise, settle, deny and/or pay all
losses or claims that are not so adjusted, compromised, settled, denied or paid
by the General Agent pursuant to section 6.1, above.  Notwithstanding whether a
claim is paid pursuant to Section 6.1 or 6.2, the General Agent shall be
responsible for the payment of all Loss Payments on the Company's behalf (as
defined in Section 6.6) and the Company shall be entitled to reimbursement from
the General Agent for any Loss Payment that the Company actually pays.

     6.3  Notwithstanding section 6.1 above, the General Agent shall secure the
approval of the Company prior to paying or committing the Company to pay any
claim which exceeds $50,000 or an amount set by the insurance commissioner of
any state purporting to exercise regulatory jurisdiction over the Company, as
set forth in a written notice delivered by the Company to the General Agent,
whichever is less.

                        Page 9

<PAGE>


     6.4  The General Agent shall send the Company a copy of the claim file upon
request or whenever a claim:

         a.   has the potential, in the reasonable judgment of the General
         Agent, to exceed or is closed by payment of an amount which exceeds
         $50,000 or an amount set by the insurance commissioner of any state
         purporting to exercise regulatory jurisdiction, as set forth in a
         written notice delivered by the Company to the General Agent,
         whichever is less;

         b.   exceeds $50,000 or an amount set by the insurance commissioner
         of any state purporting to exercise regulatory jurisdiction, as set
         forth in a written notice delivered by the Company to the General
         Agent, whichever is less;

         c.   involves a coverage dispute; or

         d.   is open for more than six months.

    6.5  All claim files handled by the General Agent shall be the joint
property of the Company and the General Agent unless the Company is ordered into
liquidation, in which case the claim files shall become the sole property of the
Company's estate.  All claim files handled by the Company shall be the sole
property of the Company.  In the event of the Company's insolvency, the claim
files shall be delivered by the General Agent to any authorized representative
of the Company's estate upon demand, after which the General Agent shall have
reasonable access to and the right to copy the files on a timely basis.  To the
extent that electronic claims files are in existence, any data contained in such
files will be timely transmitted to Company in accordance with applicable
policies and procedure.

     6.6  If at any time the total losses paid on CH/NP Insurance during any
calendar year ("Loss Payments") exceed 71.5% ("Loss Ratio Threshold") of the
actual collected premium for such CH/NP Insurance ("Excess Loss Amount"), the
General Agent may request that the Company pay the amount that the Excess Loss
Amount (less any prior Cash Calls) exceeds the Loss Ratio Threshold ("Cash
Call").  The Company will pay such Cash Call by the following Friday after the
Cash Call or within two (2) business days, whichever is later.  The General
Agent may continue to make such Cash Calls every two (2) weeks thereafter, as
necessary, until all Loss Payments are made.  The Company shall deposit all Cash
Calls via wire transfer directly into a Premium Trust Account established
pursuant to section 4.3 of this Agreement.

                   Page 10

<PAGE>


SECTION 7 - UNDERWRITING AUTHORITY

     7.1  The General Agent is granted underwriting authority consistent with
the rights, responsibilities and obligations set forth in this Agreement and
consistent with written underwriting directives or guidelines provided to the
General Agent by the Company from time to time.  The Company will also supply
the General Agent with revisions and amendments to any such written underwriting
directives and guidelines as such revisions and amendments are adopted from time
to time.  It shall be the responsibility of the General Agent to maintain such
written underwriting directives and guidelines, including any revisions and
amendments, so that the General Agent will be operating pursuant to a current
set of underwriting directives and guidelines.  All underwriting decisions will
be thoroughly and timely documented.  The General Agent shall allow the Company
to review and/or audit the General Agent's copies of written underwriting
directives and guidelines and underwriting files upon request during normal
business hours.


SECTION 8 - EXPENSES & SETTLEMENTS

     8.1  The General Agent agrees to pay, and/or reimburse the Company within
14 days after receipt of the Company's invoice, all expenses (other than the
Company's overhead) related to conducting and supervising the writing of
business pursuant to this Agreement.  Such expenses shall include, but shall not
be limited to, agent licenses for agents not presently appointed by the Company
or one of its affiliated insurance companies for CH/NP, local agent commissions,
agency supplies (such as application and policy forms, daily reports, adjuster
supplies and loss drafts), premium taxes, advertising, local board and
association fees and assessments.

     8.2  On December 15 of each calendar year, the Company and the General
Agent shall provisionally settle the payment of all amounts then due (the
"Provisional Settlement").  At the Provisional Settlement the General Agent
shall pay any net amount then due the Company under the following "Provisional
Settlement Calculation":

     Estimated Earned Premium for the current calendar year

LESS

     Estimated Total Expense Amount for the current calendar
     year

                   Page 11

<PAGE>

     PLUS

         Total of all Cash Calls paid to date by the Company, if any

     LESS

         Amount of the total Loss Payments made to date, if any

     PLUS

         Any reimbursement amounts due the Company pursuant to Section 8.1
         and any Loss Payments actually made by the Company that are not
         accounted for elsewhere in this calculation

     PLUS

         Any interest or investment income that has accrued and been credited
         to the Premium Trust Accounts through December 15.

         8.3  On February 1 following the end of each calendar year, the
     Company and the General Agent shall finally settle the payment of all
     amounts due (the "Final Settlement").  At the Final Settlement the
     Company and the General Agent shall calculate the following "Final
     Settlement Calculation":

         Actual Earned Premium for the prior calendar year

    LESS

         Total Expense Amount for the prior calendar year

    PLUS

         Total of all Cash Calls paid to date by the Company, if
         any

    LESS

         The sum of

                (i)  the total Loss Payments made to date and

                (ii) any future loss reserve for future payment of
                     losses that the Company and the General Agent agree should
                     be established,

         if any

                       Page 12

<PAGE>

     LESS

         Any Additional Payment that may be due for the prior calendar year

     PLUS

         Any reimbursement amounts due the Company pursuant to Section 8.1 and
         any Loss Payments actually made by the Company that are not accounted
         for elsewhere in this calculation

     PLUS

         Any interest or investment income that has accrued and been credited
         to the Premium Trust Accounts through February 1.

         The Company or the General Agent shall pay the other, as appropriate,
    to reconcile the Final Settlement Calculation with the Provisional
    Settlement Calculation.


SECTION 9 - REPORTS

     9.1  In addition to other reports that the Company may require the General
Agent to supply to it, the General Agent shall provide a "Monthly Exposure
Report" by the fifteenth (15th) day of each month that lists for the prior
month, together with a cumulative total for all prior months for the immediately
preceding year, the gross premium written and liabilities issued by county and
by township and by month.

     9.2  At the Company's request, upon three (3) months notice, the General
Agent in their best efforts will maintain an electronic interface at all times
that allows the Company dial-up access to policy and underwriting information
residing within the General Agent's computer system and programs.  Such dial-up
access shall be limited to "view-only" capability for any CH/NP Insurance Policy
issued by or for the Company pursuant to this Agreement.  It is the intent of
the parties that initially such access will be limited to a single dial-up
terminal at the Company's Kansas City or Overland Park office.  However, at the
Company's request, such dial-up access shall be made available at other
locations requested by the Company.

     9.3  For so long as Crop Growers Corporation has the obligation to prepare
and file 10K and 10Q Reports with the Securities and Exchange Commission, the
General Agent shall supply the Company with copies of such 10K and 10Q Reports

                        Page 13

<PAGE>


within 15 days of their filing due date with the Securities and Exchange
Commission.  In the event Crop Growers Corporation no longer is obligated to
prepare and file such 10K and/or 10Q Reports, or ceases to file such reports
for whatever reason, the General Agent shall:

    a.   supply to the Company within one hundred twenty (120) days of the
         close of each of Crop Growers Corporation's fiscal years, a copy of
         the audited consolidated financial statements of Crop Growers
         Corporation and its subsidiaries, including the General Agent, as of
         the end of such fiscal year, consisting of balance sheets,
         statements of  income and expense, retained earnings, paid-in
         capital, and changes in cash flow, prepared in accordance with
         United States generally accepted accounting principles; and

    b.   at the request of the Company, supply to the Company within sixty
         (60) days of the close of each of Crop Growers Corporation's first
         three quarters of any fiscal year, a copy of financial statements of
         Crop Growers Corporation containing similar detail as provided in
         Section 9.3a for the quarter, prepared in accordance with United
         States generally accepted accounting principles and certified as to
         accuracy by Crop Growers Corporation's Chief Financial Officer.

    9.4  Within 5 business days after receipt by the General Agent of payment
with respect to the Federal Crop Insurance Corporation's final settlement for
each crop year, the General Agent shall render to the Company a complete
account of the General Agent's PAG profit sharing entitlement.

SECTION 10 - INSURANCE REQUIREMENTS

     10.1 The General Agent currently maintains an errors and omissions
insurance policy.  The aggregate limit of liability under such policy is
$2,000,000, with a limit of $2,000,000 per occurrence.  The General Agent
currently maintains a general liability insurance policy.  The aggregate limit
of liability under such policy is $2,000,000, with a limit of $2,000,000 per
occurrence.  The General Agent will maintain its errors and omissions and
general liability insurance policies unless it becomes commercially unreasonable
for the General Agent to do so.

     10.2 The General Agent currently maintains a fidelity bond. The
aggregate limit of liability under such bond is

                        Page 14

<PAGE>


$5,000,000, with a limit of $5,000,000 per occurrence.  The General Agent
will maintain its fidelity bond unless it becomes commercially unreasonable
for the General Agent to do so.

     10.3 The General Agent currently maintains a workers' compensation
insurance policy.  The aggregate limit of liability and per occurrence limit
of liability under such policy is in accordance with applicable statutory
requirements.  The General Agent will maintain workers' compensation
insurance as required by applicable law.

     10.4 The General Agent shall supply the Company with copies of
any and all certificates of insurance, policies and bonds reflecting the
above coverage within thirty (30) days after they have been received by
the General Agent.

     10.5 In the event that the General Agent shall receive a cancellation,
nonrenewal, or rescission notice with respect to any of the coverages
specified in Sections 10.1 through 10.3 above, or if any such coverages are
otherwise modified or discontinued, the General Agent shall immediately
notify the Company of such fact.

SECTION 11 - INDEMNIFICATION

     11.1 The General Agent agrees to hold harmless and indemnify
the Company from and against all losses (including so-called compliance
losses), costs, damages and expenses, including court costs and attorney
fees, incurred by the Company as a direct or indirect result of the
negligent or intentional acts, errors or omissions of the General Agent,
its directors, officers, employees or agents, or other parties operating
under the direction or control of the General Agent, regardless of
whether said acts, errors or omissions occur before or after termination
of this Agreement.

     11.2 The Company agrees to hold harmless and indemnify the General Agent
from and against all losses (including so-called compliance losses), costs,
damages and expenses, including court costs and attorney fees, incurred by the
General Agent as a direct or indirect result of the negligent or intentional
acts, errors or omissions of the Company, its directors, officers, employees or
agents, or other parties operating under the direction or control of the
Company, other than the General Agent, regardless of whether said acts, errors
or omissions occur before or after termination of this Agreement.

                        Page 15

<PAGE>


SECTION 12 - RECORDS

     12.1 The General Agent shall maintain separate records of business written
by the General Agent on the Company's behalf.  The General Agent's records and
its expiration rights, ("Expiration Rights and Records") are the General Agent's
property.  The General Agent has the right to use and control such Expiration
Rights and Records.  The Company shall have access and the right to copy all
accounts and records related to the Company's business, including the right to
inspect and audit the General Agent's financial and accounting records for the
purpose of verifying compliance with this Agreement.  All such records shall be
retained for the minimum time periods required by Kansas law, or for such longer
time periods if so required by the state law of a state having jurisdiction over
a particular insured.

     12.2 The Company and the insurance commissioner of the Company's state of
domicile or any other insurance commissioner having jurisdiction over the
transaction covered by this Agreement shall have the right at any reasonable
time to examine and copy all accounts and records in the possession of the
General Agent referring to business effected hereunder.

     12.3 The General Agent hereby grants the Company a security interest in the
General Agent's Expiration Rights and Records.  The General Agent hereby grants
the Company a power of attorney to act as the General Agent's attorney-in-fact
for the SOLE purpose of executing any appropriate UCC-1 or other similar
financing statement, and any extensions or amendments thereto, as the Company
deems necessary for the purpose of perfecting the Company's security interest in
such Expiration Rights and Records, provided that such security interest
shall be subordinate to the security interest of any party providing
financing on a secured basis to Crop Growers Corporation, the General Agent,
or their respective subsidiaries, currently or in the future, such as Crop
Growers Corporation's former line of credit with First Interstate Bank of
Montana.

SECTION 13 - STATUS OF GENERAL AGENT, ITS EMPLOYEES AND AGENTS

     13.1 While performing its duties and responsibilities hereunder, the
General Agent shall be deemed an independent contractor, as the Company reserves
no authority or right to control the General Agent's method of performance.  No
employees of the General Agent shall be regarded as employees of the Company,
and all agents appointed by the General Agent shall be regarded as agents of the
General

                        Page 16

<PAGE>


Agent and not of the Company, except as may be required by applicable statutes.


SECTION 14 - ARBITRATION

     14.1 As a condition precedent to any right of action hereunder, in the
event of any dispute or difference of opinion hereafter arising with respect to
this Agreement, it is hereby mutually agreed that such dispute or difference of
opinion shall be submitted to arbitration.  One Arbiter shall be chosen by the
Company, the other by the General Agent, and an Umpire shall be chosen by the
Two Arbiters before they enter upon arbitration.  All of the arbiters and the
Umpire shall be active or retired, disinterested executive officers of insurance
or reinsurance companies, Underwriters at Lloyd's, London or managing general
agencies.  In the event either party should fail to choose an Arbiter within 30
days following a written request by the other party to do so, the requesting
party may choose two Arbiters who shall in turn choose an Umpire before entering
upon arbitration.  If the two Arbiters fail to agree upon the selection of an
Umpire within 30 days following their appointment, the Umpire shall be selected
by the American Arbitration Association.

     14.2 Each party shall present its case to the Arbiters within 30 days
following the date of appointment of the Umpire.  The Arbiters shall consider
this Agreement as an honorable engagement rather than merely as a legal
obligation and they are relieved of all judicial formalities and may abstain
from following the strict rules of law.  The decision of the Arbiters shall
be final and binding on both parties; but failing to agree, they shall call
in the Umpire and the decision of the majority shall be final and binding
upon both parties.  Judgment upon the final decision of the Arbiters may be
entered in any court of competent jurisdiction.

     14.3 Each party shall bear the expense of its own Arbiter, and shall
jointly and equally bear with the other the expense of the Umpire and of the
arbitration.  In the event that the two Arbiters are chosen by one party, as
above provided, the expense of the Arbiters, the Umpire and the arbitration
shall be divided equally between the two parties.

     14.4 Any arbitration proceedings shall take place at a location mutually
agreed upon by the parties to this Agreement, but notwithstanding the location
of the arbitration, all proceedings pursuant thereto shall be

                        Page 17

<PAGE>


governed by the law of the state in which the Company has its principal office.

SECTION 15 - COMMENCEMENT AND TERMINATION

     15.1 This Agreement shall become effective on January 1, 1997, and shall
remain in force thereafter until terminated.

     15.2 This Agreement may be terminated as of December 31, 1999, and each
December 31, thereafter, by either party giving to the other not less than three
(3) months prior written notice of its desire to terminate the Agreement.

     In the event of termination of this Agreement as provided by this section
15, the Company agrees to allow the General Agent to effect a bulk transfer of
the business written hereunder to, or the cancellation of such business and the
issuance of replacement policies by, one or more other insurance companies
qualified to do business where the General Agent is doing business, except to
the extent the Company elects to exercise its rights under section 15.5.

     Notwithstanding anything else to the contrary in this Agreement, this
Agreement shall terminate concurrently with the termination of that certain MPCI
General Agency Agreement dated July 10, 1996, as may be amended from time to
time between the Company and the General Agent, regardless the reason for such
termination.

15.3 a.  The Company may terminate this Agreement immediately without notice
         to the General Agent, with respect to any and all states in which
         the General Agent is authorized to act as the Company's managing
         general agent pursuant to this Agreement, in the event that the
         General Agent loses its license or authorization to engage in the
         insurance business as contemplated and required by this Agreement,
         whether through revocation, suspension, nonrenewal or otherwise if
         such license termination is due to any of the reasons stated in
         Kansas Insurance Laws Section 40-242, or similar statute under
         another State's law.  In any state in which the General Agent's
         license is terminated, the General Agent's authority under this
         Agreement shall cease immediately without notice until such license
         is restored.

     b.   In the event of fraud or intentional misappropriation of funds by the
          General Agent,

                        Page 18

<PAGE>

         the Company may terminate this Agreement by written notice effective
         immediately.  This Agreement may be terminated immediately upon 30
         days written notice by the Company to the General Agent in the event
         the General Agent fails to pay premiums or meet other financial
         obligations to the Company when due or otherwise violates the terms
         of this Agreement, which failure or violation is not cured within
         such 30 day period.

    c.   The Company acknowledges that Crop Growers is a publicly owned
         company the common stock of which is traded on a national securities
         exchange.  In the event that:

             (1)  there shall be consummated any consolidation or merger of
         Crop Growers pursuant to which the stockholders of Crop Growers
         immediately prior to the merger or consolidation do not represent,
         immediately after the merger or consolidation, the beneficial owners
         (within the meaning of Rule 13d-3 under the Securities Exchange Act
         of 1934 (the "Exchange Act")) of 50% or more of the combined voting
         power of Crop Growers, (or the surviving entity's) then outstanding
         securities ordinarily (and apart from rights occurring in special
         circumstances) having the right to vote in the election of
         directors;

             (2)  there shall be consummated any sale, lease, exchange or
         transfer (in any single transaction or series of related
         transactions) of all or substantially all of the assets or business
         of Crop Growers or any of its material Subsidiaries (as defined
         below); or

             (3)  any "person" (as such term is used in Sections 13(d)(3) and
         14(d)(2) of the Exchange Act), other than (A) Crop Growers or a
         Subsidiary thereof, or (B) any employee benefit plan sponsored by
         Crop Growers or a Subsidiary thereof, shall become the beneficial
         owner (within the meaning of Rule 13d-3 under the Exchange Act) of
         securities of Crop Growers representing more than 50% of the
         combined voting power of Crop Growers' then outstanding securities
         ordinarily (and apart from rights accruing in special circumstances)
         having the right to vote in the election of directors, as a result
         of a tender, leveraged buyout or exchange offer, open market
         purchases, privately negotiated purchases, other arrangements or
         understandings or otherwise;

                        Page 19

<PAGE>


         the General Agent shall give the Company notice of any such
         transaction within ten (10) days after such transaction is
         consummated.

         Following receipt of such notice, the Company may terminate this
         Agreement upon thirty (30) days notice given no later than the 30th
         day after receipt of such notice.  For purposes of this Section, the
         term "Subsidiary" shall mean (i) a corporation of which shares of
         stock having ordinary voting power (other than stock having such
         power only by reason of the happening of a contingency) to elect a
         majority of the board of directors or other managers of such
         corporation are at the time owned, directly or indirectly, through
         one or more intermediaries, by Crop Growers, or (ii) in the case of
         unincorporated entities, any such entity with respect to which Crop
         Growers has the power, directly or indirectly, to designate more
         than 50% of the individuals exercising functions similar to a board
         of directors.

    d.   This Agreement may also be terminated immediately in the event the
         General Agent becomes insolvent or makes any general assignment for
         the benefit of creditors.  In such an event, the right of the
         Company to the use and profit of the agent plant shall be conceded
         and held inviolate, it being further understood that should the
         Company, at its option, effect the collection of monies from agents,
         policyholders or others from whom monies may be due on account of
         the Company's policies issued through the General Agent, the Company
         shall give the General Agent credit for such sums to the same extent
         the General Agent would receive such credit had the insolvency not
         occurred.

    15.4 In the event of the termination of this Agreement, should the
General Agent be in any way indebted to the Company at such time, for premium
or any other obligations under this Agreement, such debt or debts shall
immediately become due and payable.  The Company shall have the right to
suspend the General Agent's underwriting and/or claims settlement authority
during the pendency of any dispute regarding the cause for termination.
Minor accounting discrepancies shall not be considered grounds for
termination.

     15.5 In the event of termination of this Agreement, and provided the
General Agent (and/or the local agents appointed by the General Agent under
authority of this

                        Page 20

<PAGE>


Agreement) has in accordance with the terms of this Agreement, accounted
for and paid to the Company all premiums and other monies due and owing
the Company, the records of the General Agent and of the local agents,
together with use and control of the Expiration Rights and Records,
shall remain the property of the General Agent and local agents, as
their interests may appear, and be left in their undisputed possession.
Notwithstanding the ownership and possession of such Expiration Rights
and Records by the General Agent, the Company shall have the undisputed
right to copy all records necessary to satisfy insurance department
record keeping requirements, including but not limited to all
underwriting files, claims files, billing information, etc.  If there
has not been such an accounting and payment by the General Agent (and/or
local agent appointed by the General Agent under authority of this
Agreement), the Company shall have the right to assume control of the
General Agent's Expiration Rights and Records and may:

    a.   keep all commissions payable on such expirations or their renewals
         and apply such commissions against what the General Agent owes the
         Company; and/or

    b.   sell such portion of the Expiration Rights and Records that the
         Company reasonably believes is necessary to satisfy the General
         Agent's obligations to the Company pursuant to this Agreement.

    In the event that such retained commissions or sale proceeds are
insufficient to satisfy the General Agent's obligations to the Company under
this Agreement, the General Agent shall still be responsible for such unpaid
sums. In the event that such retained commissions or sale proceeds are more
than necessary to satisfy the General Agent's obligations to the Company,
the Company shall return such excess to the General Agent.

     Any sale of the Expiration Rights and Records must be made in a
commercially reasonable manner pursuant to the Uniform Commercial Code.  The
Company shall have the right to appoint any buyer of such expiration rights and
records as a Managing General Agent for such business.

     To the extent that the General Agent has not satisfied its financial
obligations to the Company within any prescribed time period, including any cure
period, and the Agreement is terminated, the Company shall notify the General
Agent of the amount the Company reasonably believes the General Agent owes to
the Company.  If the parties

                        Page 21

<PAGE>


cannot agree within 10 days of such notice as to the amount of premiums, amounts
or other obligations due ("Disputed Obligations"), the General Agent shall
deposit, in a trust account acceptable to the Company, an amount equal to the
Disputed Obligations claimed by the Company to be due until such time as the
dispute is resolved.  To the extent that the Company subsequently reasonably
believes additional amounts may be due the Company by the General Agent under
this Agreement, the Company shall give notice of such additional amounts.  If
the parties cannot agree within 10 days of such notice as to the amount of such
additional owed Disputed Obligations, the General Agent shall deposit such
additional amount in the trust account.  Upon deposit by the General Agent in
the trust account of the amounts of such Disputed Obligations, the Company shall
suspend any efforts to pursue the sale of the Expiration Rights and Records or
capture of commissions.  Nothing in this Section shall preclude the Company from
proceeding with the mechanics of a public or private sale of the Expiration
Rights and Records, including giving notice of the time, place and manner of any
proposed public or private sale, except that, if the provisions regarding the
Disputed Obligations above are not yet concluded, no sale may actually occur.


SECTION 16 - MISCELLANEOUS

     16.1 This Agreement, and all the rights and interests arising herefrom,
shall be binding upon, and shall inure to the benefit of, the parties hereto,
their representatives, successors and assigns; however, none of the
authorities, duties or responsibilities of the General Agent or the Company
may be assigned by either of them without the written consent of the other.

     16.2 This Agreement may not be modified verbally, nor may it be modified by
any subsequent practice or course of dealing by the parties, or in any manner
other than in writing signed by the parties hereto.  No forbearance or neglect
on the part of the Company to enforce any of the provisions of this Agreement
shall be construed as a waiver of any of its rights or privileges hereunder,
unless in each instance a written memorandum specifically expressing such waiver
be made and subscribed by any officer of the Company.  No such waiver shall
modify this Agreement or affect the rights of the Company with respect to any
subsequent default of failure of performance by the General Agent.

     16.3 This Agreement supersedes all previous agreements, either oral or
written between the parties hereto regarding CH/NP Insurance.


                        Page 22
<PAGE>

     16.4 This Agreement shall, except as otherwise expressly set forth therein,
be governed by and construed in accordance with the internal laws of the State
of Kansas.

     16.5 All notices and other communications required or permitted to be given
under this Agreement shall be in writing and shall be deemed to have been given
when delivered personally or upon receipt when sent by certified or registered
mail, Federal Express, DHL or other similar nationally recognized service, or
telecopier (with request for confirmation of receipt) to the other party to this
Agreement at the addresses specified in this section 16.5, for both the General
Agent and the Company, or to such other address as the General Agent or the
Company may from time to time specify in writing.

     Notices to the General Agent:

     Crop Growers Insurance, Inc.
     Executive Centre II
     10895 Lowell Street, Suite 300
     Overland Park, Kansas 66210
     Attention:     Tony Cid, Senior Vice President
     Fax No.: (913) 323-5745

     Notices to the Company:

     Fireman's Fund Insurance Company
     Executive Centre II
     10895 Lowell Street, Suite 300
     Overland Park, Kansas 66210
     Attention:    Keith Curry, Vice President
     Fax No.: (913) 323-5735

     16.6 This Agreement may be signed in any number of counterparts and each
such counterpart shall be deemed an

                        Page 23

<PAGE>


original instrument, but all such executed counterparts together shall
constitute one and the same instrument.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed by their duly authorized representatives at:

St. Louis, Missouri, this 24th day of February, 1997.

FIREMAN'S FUND INSURANCE COMPANY

/s/ John M. Meuschke
--------------------------------------------
By:  John M, Meuschke
Title:     Vice President

Overland Park, Kansas, this      day of February, 1997.

CROP GROWERS INSURANCE, INC.



--------------------------------------------
By:
   -----------------------------------------
Title:
      --------------------------------------

                        Page 24

<PAGE>


original instrument, but all such executed counterparts together shall
constitute one and the same instrument.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed by their duly authorized representatives at:

St. Louis, Missouri, this     day of February, 1997.

FIREMAN'S FUND INSURANCE COMPANY


--------------------------------------------
By:  John M, Meuschke
Title: Vice President

Overland Park, Kansas, this     day of February, 1997.

CROP GROWERS INSURANCE, INC.


  /S/ David Hill
--------------------------------------------
By:    David Hill
   -----------------------------------------
Title:   Chief Financial Officer & Treasurer
      --------------------------------------

                        Page 24

<PAGE>


                           SCHEDULE 2.1

Authorized Named Perils and Authorized Territories

Stand Alone Policies

Tomatoes      -     Excess Moisture     CA
Grapes        -     Excess Moisture     CA
Pima Cotton   -     Excess Moisture     CA
Raisins       -     Reconditioning      CA
Raisins       -     Reconditioning,
                    plus extra expense  CA
Citrus        -     Freeze              CA


Crop Hail Endorsements

Corn          -     Wind     NM
Cotton        -     Wind     AL, AR, GA, LA, MS, NC, SC, VA
Tobacco       -     Wind     GA, NC, SC, VA
Sugar Cane    -     Freeze   LA
Winter Wheat  -     Replant  WA
Grain         -     Fire     AZ, CA, CO, ID, KS, NE, OK,
                             OR, UT, WA
Hay           -     Fire     OR, WA