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                                                                   Exhibit 10.51

                              Employment Agreement

AGREEMENT (the "Employment Agreement" or this "Agreement") dated as of the 1st
day of November, 2002, between First Allmerica Financial Life Insurance Company,
a corporation having its principal office at 440 Lincoln Street, Worcester,
Massachusetts 01653 (the "Company") and Robert P. Restrepo, Jr. ("Employee")
residing at 757 Salisbury Street, Worcester, Massachusetts 01609.

The Company and Employee hereby agree as follows:

        1.     Employment. The Company hereby employs Employee and Employee
               hereby accepts employment upon the terms and conditions
               hereinafter set forth. (As used throughout this Agreement,
               "Company" shall mean and include any and all of its present and
               future subsidiaries and affiliates.) Employee warrants that
               Employee is free to enter into and fully perform this Agreement
               and is not subject to any employment, confidentiality,
               non-competition or other agreement which would restrict
               Employee's performance under this Agreement.

        2.     Duties. Employee shall devote Employee's full time to the
               performance of services as a member of the newly established
               Office of the Chairman with duties as determined by the Chairman
               and as President of Allmerica Property and Casualty Companies
               and provide such other services as may from time to time be
               designated by the Chairman of the Board of Allmerica Financial
               Corporation ("AFC") or by the new permanent President and Chief
               Executive Officer of AFC. During the term of this Agreement,
               Employee's services shall be completely exclusive to the Company
               and Employee shall devote Employee's entire time, attention and
               energies to the business of the Company and the duties to which
               the Company shall assign him from time to time. Employee agrees
               to perform Employee's services well and faithfully and to the
               best of Employee's ability and to carry out the policies and
               directives of the Company. Employee agrees to take no action
               prejudicial to the interests of the Company during Employee's
               employment hereunder. Employee shall be based in Worcester,
               Massachusetts but Employee may be required from time to time to
               perform duties hereunder for reasonably short periods of time
               outside said area.

        3.     Term. The term of this Agreement shall begin on November 1, 2002
               and shall end on December 31, 2003, (the "Term"). The Company
               and the Employee may by mutual written agreement extend the Term
               of this Agreement.

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        4.     Compensation.

               i) Base Salary: During the period of Employee's employment under
               this Agreement, the Company shall pay Employee an annual salary
               rate of $450,000.00 payable bi-weekly, subject thereafter to
               periodic review by the Chairman of the Board and the new
               permanent President and Chief Executive Officer of AFC and the
               AFC Compensation Committee and payable in accordance with the
               Company's payroll policy as in effect from time to time ("Base
               Salary").

               ii)Incentive Compensation: If an incentive or bonus compensation
               program is made available to employees of the Company generally,
               Employee shall be entitled during the term hereof to participate
               in such program in accordance with the terms thereof, as such
               terms may be modified or amended by the Company from time to
               time; provided, however, that nothing contained herein shall
               obligate the Company to adopt or continue such an incentive or
               bonus compensation program. The Company hereby acknowledges that
               the Employee is a participant in the 2002 Short Term Incentive
               Compensation Plan and has a target goal of ninety percent (90%)
               of $450,000.00. Notwithstanding the provisions of the 2002 Short
               Term Incentive Compensation Plan, the Company agrees that your
               2002 Short Term Incentive Compensation Award will be no less than
               $300,000.00 provided the business unit contribution from Risk
               Management is at least $140 million dollars. The Employee shall
               be a participant in the 2003 Short Term Incentive Compensation
               Plan and have a target goal of ninety percent (90%) of
               $450,000.00.

               iii)AFC Stock Plan: Employee shall be eligible to participate in
               the Company's Long Term Stock Incentive Plan for 2003. The terms
               of such participation shall be determined in January of 2003.

        5.     Severance Benefit. If between November 1, 2002 and the date a
               new President and Chief Executive Officer of AFC commences
               employment, Employee's employment is terminated pursuant to the
               provisions of Section 10(e) or Employee terminates his
               employment pursuant to the provisions of Section 10(f), Employee
               shall receive a severance benefit equal to $450,000.00, provided
               Employee executes a mutually acceptable severance agreement,
               which agreement would include a general release in favor of the
               Company.

               If the new President and Chief Executive Officer terminates
               Employee's employment pursuant to the provisions of Section 10(e)
               or Employee terminates his employment more than sixty (60) days
               after the new President and Chief Executive Officer commences his
               employment pursuant to the provisions of Section 10(f), Employee
               shall receive a severance benefit equal to $600,000.00, provided
               Employee executes a mutually acceptable severance agreement,
               which agreement would include a general release in favor of the
               Company.

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               In the event Employee's employment is terminated pursuant to the
               terms of this section, Employee shall be entitled to Executive
               Outplacement Assistance.

        6.     Retention Bonus. If Employee is actively employed at December 31,
               2003, Employee shall receive a retention bonus equal to
               $500,000.00.

        7.     Expenses. Employee shall be entitled to reimbursement for
               expenses reasonably incurred in connection with the performance
               of Employee's duties hereunder in accordance with such
               Procedures as the Company may establish from time to time.

        8.     Vacation During Employment. Employee shall be entitled to four
               (4) weeks during each calendar year.

        9.     Additional Benefits. During the term hereof and subject to any
               contribution therefor generally required of employees of the
               Company, Employee shall be entitled to participate in any and
               all employee benefit plans from time to time in effect for
               employees of the Company generally, but the Company shall not be
               required to establish any such program or plan. Such
               participation shall be subject to (i) the terms of the
               applicable plan documents, (ii) generally applicable Company
               policies and (iii) the discretion of the Board of Directors or
               any administrative or other committee provided for in or
               contemplated by such plan. The Company may alter, modify, add to
               or delete its employee benefit plans at any time as it, in its
               sole judgment, determines to be appropriate, without recourse by
               the Employee.

        10.    Termination of Employment. Employee's employment may be
               terminated prior to the expiration of the term of this Agreement
               under the following circumstances:

               (a)     By the Company in the event of Employee's failure,
                       refusal or inability satisfactorily to perform the
                       services required of Employee hereby, or to carry out
                       any proper direction of the Board of Directors with
                       respect to the services to be rendered by Employee
                       hereunder or the manner of rendering such services, or
                       Employee's willful misconduct in the performance of
                       Employee's duties hereunder, or Employee's commission of
                       a felony;

               (b)     By the Company upon 30 days' notice to Employee if
                       Employee should be prevented by illness, accident or
                       other disability from discharging Employee's duties
                       hereunder for one or more periods totaling three months
                       during any twelve-month period;

               (c)     Except as otherwise provided in Section 10(a), by either
                       the Company or Employee for any material breach by the
                       other of the terms hereof, but only upon 30 days'
                       written notice to the other specifying the breach relied
                       on for such termination, and only if such breach has not
                       been cured within such 30-day period; or

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               (d)     In the event of Employee's death during the term of
                       Employee's employment, the Company's obligation to pay
                       further compensation hereunder shall cease forthwith,
                       except that Employee's legal representative shall be
                       entitled to receive Employee's fixed compensation for
                       the period up to the last day of the month in which such
                       death shall have occurred.

               (e)     By Company Other Than for Cause. Subject to the
                       provisions of Section 5, Company may terminate
                       Employee's employment hereunder other than for Cause at
                       any time upon notice to Employee.

               (f)     By Employee for Good Reason. The Employee may terminate
                       his employment hereunder for Good Reason, upon notice to
                       Company setting forth in reasonable detail the nature of
                       such Good Reason. The following shall constitute Good
                       Reason for termination by Employee:

                       (i)   Material failure of Company to provide the
                             Employee the Base Salary and benefits in
                             accordance with the terms of Sections 4, 6, 8 and
                             9 hereof.

                       (ii)  Material changes in Employee's responsibilities or
                             authority.

               In the event of termination in accordance with this Section
               10(f), Employee shall be entitled to the benefits set forth in
               the applicable provisions of Section 5.

        11.    Confidentiality. Except in performance of services for the
               Company, Employee shall not, either during the period of
               Employees employment with the Company or thereafter, use for
               Employee's own benefit or disclose to or use for the benefit of
               any person outside the Company, any information concerning any
               Intellectual Property, or other confidential or proprietary
               information of the Company, whether Employee has such
               information in Employee's memory or embodied in writing or other
               tangible form. All originals and copies of any of the foregoing,
               however and whenever produced, shall be the sole property of the
               Company, not to be removed from the premises or custody of the
               Company without in each instance first obtaining authorization
               of the Company, which authorization may be revoked by the
               Company at any time. Upon the termination of Employee's
               employment in any manner or for any reason, Employee shall
               promptly surrender to the Company all copies of any of the
               foregoing, together with any documents, materials data,
               information and equipment belonging to or relating to the
               Company's business and in Employee's possession, custody or
               control, and Employee shall not thereafter retain or deliver to
               any other person any of the foregoing or any summary or
               memorandum thereof.

        12.    Non-Competition Covenants:

        12.1   For as long as Employee is receiving Base Salary payments
               pursuant to the terms of this Agreement, Employee may not render
               services to or be otherwise employed by

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               or associated with, or (except as a holder of a stock interest
               not to exceed 1 percent in the securities of publicly held and
               traded companies) interested in any person or entity which sells
               services or products competitive with those offered by Company.

        12.2   If Employee violates any of the covenants or agreements under
               this Section 12, Company shall be entitled to an accounting and
               repayment of all profits, compensation, commissions,
               remuneration, or other benefits that Employee directly or
               indirectly has realized and/or may realize as a result of,
               growing out of, or in connection with, any such violation. These
               remedies shall be in addition to, and not in limitation of, any
               other rights or remedies to which Company is or may be entitled.

        12.3   Employee and the Company are of the belief that the restrictions
               set forth in Section 12 are reasonable in view of the nature of
               the business the Company is engaged and proposes to engage, the
               state of its business development and Employee's knowledge of
               this business. However, if any provision(s) of this Section 12
               should be adjudged unreasonable in any judicial proceeding, then
               such unreasonable provision(s) shall be modified so that this
               non-competition provision may be adjudged to be reasonable.

        13.    Non-Solicitation Agreement. Employee agrees and covenants that
               Employee will not, unless acting with the Company's express
               written consent, directly or indirectly, during the term of this
               Agreement or for a period of two (2) years thereafter, solicit,
               entice away or interfere with the Company's contractual
               relationships with any customer, client, broker, officer or
               employee of the Company.

        14.    Notices. All notices and other communications hereunder shall be
               in writing and shall be deemed to have been given three days
               after having been delivered or mailed by first-class, registered
               or certified mail, or the next day after having been sent by
               overnight mail, as follows: (a) if to Employee, at the address
               shown at the head of this Agreement or to such other person(s)
               or address(es) as Employee shall have furnished to the Company
               in writing; and (b) if to the Company, Attention: Chairman of
               the Board, with a copy to the General Counsel, or to such other
               person(s) or address(es) as the Company shall have furnished to
               the Employee in writing.

        15.    Assignability. In the event that the Company shall be merged
               with, or consolidated into, any other corporation, or in the
               event that it shall sell and transfer substantially all of its
               assets to another corporation or entity, the terms of this
               Agreement shall inure to the benefit of, and be assumed by, the
               corporation or entity resulting from such merger or
               consolidation, or to which the Company's assets shall be sold
               and transferred. This Agreement shall not be assignable by
               Employee.

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        16.    Entire Agreement. This Agreement contains the entire agreement
               between the Company and Employee with respect to the subject
               matter hereof and there have been no oral or other prior
               agreements of any kind whatsoever as a condition, precedent or
               inducement to the signing of this Agreement or otherwise
               concerning this Agreement or the subject matter hereof.

        17.    Remedies.

        17.1   Subject to Section 17.2, any claim or controversy arising out of
               or relating to this Agreement, including (without limitation) a
               claim by Company that Employee has violated any one or more of
               the restrictions set forth in Sections 11, 12 or 13, shall be
               settled by arbitration before a single arbitrator in Boston,
               Massachusetts in accordance with the Commercial Arbitration
               Rules of the American Arbitration Association. If the arbitrator
               finds that a violation of the foregoing restrictions exits or is
               threatened he shall prescribe appropriate relief which may
               include an award that Employee desist from such violation,
               whether or not such an order would issue, in the circumstances,
               under the equity powers of a court. Judgment upon the award
               rendered by the arbitrator may be entered in any court of
               competent jurisdiction.

        17.2   Company shall have the right, which may be exercised in lieu of
               or in addition to the procedure set forth in Section 17.2, to
               submit a claim that Employee has violated any one or more of the
               restrictions set forth in Sections 11, 12 or 13 to any court of
               competent jurisdiction and Company will be entitled, in addition
               to any other remedies available to it from such court, to obtain
               injunctive relief from such court to enforce the terms of this
               Agreement. Employee, upon receipt of written notice of the
               institution of proceedings in such court, hereby agrees to
               submit to the jurisdiction of such court.

        18.    Amendments. This Agreement may not be amended, nor shall any
               change, waiver, modification, consent or discharge be effected
               except by written instrument executed by the Company and
               Employee.

        19.    Severability. If any part of any term or provision of this
               Agreement shall be hold or deemed to be invalid, inoperative or
               unenforceable to any extent by a court of competent
               jurisdiction, such circumstance shall in no way affect any other
               term or provision of this Agreement, the application of such
               term or provision in any other circumstances, or the validity or
               enforceability of this Agreement.

        20.    Governing Law. This Agreement shall be governed by and construed
               and enforced in accordance with the law of the Commonwealth of
               Massachusetts, without regard to conflict of law principles.

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IN WITNESS WHEREOF, the parties have executed or caused to be executed this
Agreement as of the date first above written,

                                        First Allmerica Financial Life Insurance
                                        Company

[Seal]                                  By: /s/ Robert P. Restrepo, Jr.
                                           ------------------------------------
                                               Its

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                                        Robert P. Restrepo, Jr., Employee