Document:

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                                                                   Exhibit 10.36

                         EXECUTIVE EMPLOYMENT AGREEMENT

THIS AGREEMENT, dated _____ ___, 2003 by and between American Physicians
Assurance Corporation, a Michigan corporation having a principal place of
business in East Lansing, Michigan, its successors, assigns, affiliates, and
related companies (the "Company") and ________________ (the "Executive").

WHEREAS, the Executive currently serves as the ________________ of American
Physicians Assurance Corporation;

WHEREAS, the Company desires to obtain the Executive's agreement to continue to
serve as __________ __________________________of American Physicians Assurance
Corporation, and to obtain certain restrictions on the Executive's potential
competition with the Company during the term of the Executive's employment and
when and if Executive's employment with the Company terminates; and

WHEREAS, the Company desires to employ the Executive in accordance with the
terms and conditions of this Agreement and Executive desires to be so employed
by the Company.

NOW, THEREFORE, in consideration of the mutual covenants and promises and other
valuable consideration, contained herein, the parties hereto hereby agree as
follows:

1.       EMPLOYMENT.

         The Company employs the Executive to render services as
         _____________________ of American Physicians Assurance Corporation, the
         Executive accepts such employment, in accordance with the terms, and
         conditions hereinafter set forth. This Agreement supersedes and
         replaces in its entirety any prior or contemporaneous employment
         agreements or understandings between the Company, its present or former
         affiliates or subsidiaries, and the Executive.

2.       PLACE OF EMPLOYMENT.

         The Executive shall be located, and shall render such services (subject
         to necessary and appropriate business related travel), at the Company's
         office in East Lansing, Michigan. The Company may relocate Executive,
         subject to Executive's rights under Section 6(d) involuntary
         termination and Section 6(e) following a Change in Control.

3.       TERM.

         The term of the Executive's employment with the Company shall be for a
         period commencing on date signed and continue, unless terminated sooner
         under Section 6, for a period of one (1) year. Thereafter, the term
         shall automatically be extended for one (1) additional day for each
         successive day of the Executive's employment with the Company unless
         replaced, or unless terminated in accordance with Section 6, below.

4.       DUTIES AND RESPONSIBILITIES.

         (a)      At the commencement of this Agreement, the Executive is
                  employed by the Company in the position of
                  ________________________ of American Physicians Assurance
                  Corporation. As such, the Executive shall have duties and such
                  authorities as are consistent with such position subject to
                  the

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                                                                   Exhibit 10.36

                  direction of the_________________________________________. The
                  Company may change or amend the duties of the Executive from
                  time to time to other duties or positions at a comparable
                  level. References in this Agreement to the "Board" shall be
                  understood as references to the ACAP Board.

         (b)      The Executive will devote exclusively his or her best efforts
                  and full working time to the performance of the duties of the
                  Executive's position and will not engage in any other
                  employment during the term of this agreement except that with
                  the prior approval of the Board the Executive may serve as a
                  compensated member of the board of directors of other, "for
                  profit" unaffiliated corporations.

5.       COMPENSATION, INCENTIVE COMPENSATION & BENEFITS.

         In consideration for the services of the Executive to be performed
         hereunder, the Company shall compensate the Executive as follows:

         (a)      ANNUAL BASE SALARY. The Company shall pay to the Executive a
                  minimum annual base salary of $___________, payable (less
                  applicable taxes) in accordance with Company normal payroll
                  practices. Under no circumstances shall the Executive's base
                  salary be reduced during the term of this Agreement. The
                  Executive's base salary shall be periodically reviewed by the
                  Compensation Committee of the ACAP Board and may be increased
                  as deemed warranted by the Compensation Committee.

         (b)      INCENTIVE COMPENSATION. The Executive will be eligible to
                  participate in any short-term incentive plan adopted for
                  senior executive staff. The Executive will also be eligible to
                  participate in long-term incentive plans available to other
                  senior executive employees.

         (c)      DISABILITY INSURANCE. During employment, the Company shall
                  maintain, at its expense, an individual long-term disability
                  insurance policy ("Policy") for the Executive providing the
                  Executive with benefits in the event of a disability as such
                  term is defined in the Policy (a "Disability"), provided the
                  Executive satisfies the eligibility requirements for coverage
                  under the disability insurance Policy which the Company has
                  chosen for its executive staff.

         (d)      PAID TIME OFF. The Executive shall be entitled to not less
                  than 4 weeks of vacation and 10 days of occasional sick days
                  during each calendar year.

         (e)      OTHER EMPLOYMENT BENEFITS. During employment, the Executive
                  shall have the opportunity to participate in and shall be
                  entitled to receive benefits in accordance with, the
                  provisions of any health, life insurance, disability, deferred
                  compensation, profit sharing or other employee benefit plan or
                  plans adopted, or to be adopted, by the Company and which are
                  generally applicable to other similarly situated senior
                  executive employees of the Company.

         (f)      BUSINESS EXPENSES. The Company shall pay or reimburse the
                  Executive promptly, upon presentation of appropriate vouchers,
                  for all necessary business travel and entertainment expenses
                  reasonably incurred by the Executive in connection with
                  Company? business in accordance with Company policy.

6.       TERMINATION.

         Subject to the terms and conditions of this Agreement, the Company or
         the Executive may terminate the Executive's employment as provided
         below, and such termination shall not be deemed a breach of this
         Agreement.

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         (a)      DEATH OR DISABILITY. The Executive's employment shall
                  terminate upon the Executives' death or Disability. Disability
                  is defined as meeting the requirements for benefits under the
                  long-term Disability Insurance Policy provided by the Company
                  for the Executive. If the Executive qualifies or may qualify
                  for disability benefits under the Policy, Executive agrees to
                  apply for such benefits in a timely basis and submit any
                  necessary medical and other information. If the Executive is
                  not covered by the Policy or is not entitled to disability
                  benefits under the Policy, the Company may determine that the
                  Executive is disabled and terminate the Executive's employment
                  by treating it as an Involuntary Termination under Section
                  6(d) of this Agreement.

         (b)      CAUSE. The Company may terminate the Executive's employment
                  under this Agreement for Cause. The Executive shall be given
                  written notice of termination, specifying with particularity
                  the basis for termination; and the Executive shall not in such
                  case have to be given an opportunity to cure the basis for
                  such Cause. For the purposes of this Agreement, the Company
                  shall have Cause upon: (A) the commission by the Executive of
                  dishonesty, or for intentional commission of a wrongful or
                  illegal act, (B) or for the willful and continued breach of
                  this Agreement, or failure to perform the duties of the
                  Executive's position in a competent and conscientious manner
                  (other than as a result of incapacity due to physical or
                  mental injury or illness). (C) The failure of the Executive to
                  comply with the policies or procedures of the Company.

         (c)      VOLUNTARY RESIGNATION. The Executive may terminate his or her
                  employment for any reason whatsoever.

         (d)      INVOLUNTARY TERMINATION. The Company may terminate the
                  Executive's employment at any time for any reason or no
                  reason. A termination under Section 6(a), (b) or (e) will not
                  be considered an Involuntary Termination. For the purpose of
                  this Agreement, Involuntary Termination includes, but is not
                  limited to, the termination of this agreement by the Company,
                  a permanent relocation of the Executive's duties that would
                  require the Executive to commute a distance of more than 90
                  miles further from the Executive's principal place of
                  employment (the Executive shall have 60 days from the
                  notification date of relocation to accept or decline continued
                  employment), the resignation of Executive within 60 days after
                  an act by the Company which materially reduces the Executive's
                  duties and responsibilities. The Executive's duties and
                  responsibilities shall not be deemed materially reduced solely
                  by virtue of a change in reporting relationship between the
                  Executive and the Company.

         (e)      CHANGE IN CONTROL. At anytime within one (1) year following
                  the date in which a Change in Control shall have occurred, the
                  Board may terminate the Executive's employment for any reason
                  whatsoever, or the Executive may terminate his Term of
                  employment for Qualifying Reasons as set forth below.

                  For purposes of this Agreement, a Change in Control means any
                  one of the following events:

                  (1)      The sale by American Physicians Capital, Inc.
                           ("ACAP") of all or substantially all of its assets to
                           a single purchaser or group of associated purchasers;

                  (2)      The sale, exchange or other disposition of ACAP, in
                           one transaction to any entity or entities not
                           affiliated with ACAP, of more than fifty percent
                           (50%) of the outstanding common stock of ACAP other
                           than by a sale, exchange, or disposition of the
                           common stock of ACAP resulting from a public or
                           private offering of common stock of which offering is
                           sponsored or initiated by ACAP and approved by its
                           Board;

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                  (3)      The merger or consolidation of ACAP in a transaction
                           in which the stockholders of ACAP receive less than
                           fifty percent (50%) of the outstanding voting stock
                           of the new or continuing entity;

                  (4)      A change of more than 50% of the directors of the
                           ACAP Board within any 24-month period; except that, a
                           new director elected pursuant to nomination by a
                           majority of the Continuing Directors (as defined
                           below) will not be considered a change of a director
                           for this purpose.

                  At any time within one (1) year following the date on which a
                  Change in Control shall have occurred, the Executive shall
                  have the right to terminate the Executive's employment upon
                  written notice to the Company within sixty (60) days following
                  the occurrence of one or more of the following Qualifying
                  Reasons. For the purposes of this Agreement Qualifying Reason
                  shall mean:

                  (1)      The position or responsibilities of the Executive are
                           significantly reduced (including, without limitation,
                           the elimination of such position, a substantial
                           reduction in the size of the Company or other
                           substantial change in the character or scope of the
                           Company's operations), or the Executive is assigned
                           without his or her written consent to any duties
                           which in scope are not comparable with his or her
                           position with the Company immediately prior to such
                           assignment, or the status and stature of those with
                           whom the Executive is asked to work is significantly
                           reduced from the Executive's position immediately
                           preceding the Change in Control;

                  (2)      The Company reduces the Executive's then current
                           annual base salary, contrary to Section 5(a), above;

                  (3)      The annual incentive compensation opportunity
                           provided to the Executive is eliminated or
                           significantly reduced, the Executive's participation
                           level is reduced or the manner of assessing actual
                           performance is changed in a manner that results in
                           the Executive earning significantly less annual
                           incentive compensation for a given period than he or
                           she would have for the same period absent such
                           change, except if such reduction occurs prior to a
                           Change in Control and is part of an across-the-board
                           reduction in such benefits applicable to all senior
                           level executives of the Company;

                  (4)      The Executive's aggregate level of benefits under the
                           Company's benefit plans is significantly reduced,
                           except if such reduction occurs prior to a Change in
                           Control and is part of an across-the-board reduction
                           in such benefits applicable to all senior level
                           executives of the Company;

                  (5)      The Company fails to provide the Executive with
                           benefits and perquisites which are substantially
                           equivalent in the aggregate to those to which the
                           Executive is entitled under the Company's benefit
                           plans in which the Executive was participating
                           immediately prior to the Change in Control, or fails
                           to provide the Executive with directors' or officers'
                           insurance, as applicable, at least at the level
                           maintained immediately prior to the Change in
                           Control;

                  (6)      The Company permanently changes the geographic
                           location of the performance of the Executive duties
                           that requires the Executive to commute a distance
                           more than 40 miles further from the Executive's
                           principal place of employment existing at the time of
                           the Change in Control;

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                                                                   Exhibit 10.36

                  (7)      The Company fails to pay the Executive any amount
                           otherwise vested and due hereunder or under any plan
                           or policy of the Company, or fails to comply with any
                           other provision of or perform any of its other
                           obligations under this Agreement.

         (f)      NOTICE OF TERMINATION. Any termination by the Company of the
                  Executive's employment pursuant to Section 6(b), (d) or (e)
                  must, in order to be effective, be preceded by a written
                  notice to the Executive ("Notice of Termination") indicating
                  the specific provision of this Agreement relied upon, and for
                  any termination under Section 6(b) setting forth in reasonable
                  detail the facts and circumstances supporting the termination
                  under the provision so indicated, and the Date of Termination.
                  Any termination by the Executive of his active employment
                  pursuant to Section 6(e) must, in order to be effective, be
                  preceded by a written notice to the Company indicating the
                  specific provision of Section 6(e) relied upon and setting
                  forth in reasonable detail the facts and circumstances
                  supporting the termination under the provision so indicated
                  and the Date of Termination. After receipt of such notice, the
                  Company shall have ten (10) business days to reasonably remedy
                  the event described therein, upon which such event shall no
                  longer constitute "Qualifying Reason" for purposes of this
                  Agreement.

         (g)      DATE OF TERMINATION. "Date of Termination" shall mean (A) if
                  the Executive's employment is terminated by the Executive's
                  death, the date of the Executive's death, or by reason of the
                  Executive's Disability, the date the conditions to constitute
                  a Disability have occurred, or if upon expiration of the Term,
                  the last day of the Term, (B) if the Executive's employment is
                  terminated by the Company pursuant to Section 6(b), 6(d) or
                  6(e), the date specified in the Notice of Termination, and (C)
                  if the Executive's employment is terminated by Executive
                  pursuant to Section 6(c) or 6(e) the date which is ten (10)
                  business days after the date of receipt of the Executive's
                  notice of intention to terminate or such other date as may be
                  agreed by the Executive and the Board.

7.       COMPENSATION AND BENEFITS UPON TERMINATION.

         (a)      DEATH OR DISABILITY. In the event of the Executive's
                  termination due to the Executive's death or Disability while
                  actively employed, the Company shall pay or provide to the
                  Executive or the Executive's named beneficiary (in the event
                  of the Executive's death):

                     i     Annual Base Salary - The Executive's earned but
                           unpaid base salary through the Date of Termination;

                     ii    Bonus - A prorated portion of the Executive's annual
                           bonus, if any, as determined by the Board based on
                           the actual performance by the Company during its
                           fiscal year of the Executive's death or Disability.
                           Such determination and payment will be made at the
                           same time that bonus consideration and payments, if
                           any, for other senior executives for the same
                           performance period are made; and

                     iii   Benefits - The Executive shall be paid or be provided
                           such other benefits for which the Executive is
                           entitled under the terms of any employee benefit plan
                           or program of the Company in which the Executive may
                           be, or may have been, a participant including any
                           earned but unpaid Paid Time Off through the Date of
                           Termination.

         (b)  CAUSE. In the event the Executive is terminated for Cause, the
              Executive shall receive only such benefits, if any, as may be
              provided to him under the terms of any employee benefit,
              incentive, option, stock award and other plans or programs of the
              Company in which he may be, or may have

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                                                                   Exhibit 10.36

         been, a participant and shall be paid any balance of the Executive's
         earned but unpaid Annual Base Salary and any Paid Time Off for the
         period through the Date of Termination.

(c)      VOLUNTARY RESIGNATION. In the event the Executive voluntarily
         terminates his employment while actively employed, or breaches this
         agreement following termination, the Company shall pay or provide to
         the Executive only such benefits, if any, as may be provided to him
         under the terms of any employee benefit plans or programs of the
         Company in which the Executive may be, or may have been, a participant,
         and shall be paid any balance of the Executive's earned but unpaid
         Annual Base Salary and accrued but unpaid Paid Time Off through the
         Date of Termination.

(d)      INVOLUNTARY TERMINATION. In the event the Executive's employment is
         involuntarily terminated by the Company under Section 6(d), the Company
         shall pay or provide to the Executive, subject to the Executive signing
         and delivering to the Company a release and separation agreement
         reasonably acceptable to the Company:

         i.       Severance Pay - The Executive shall receive severance pay
                  equal to 24 months of Executive's then current base salary,
                  payable in regular installments on the Company's normal
                  payroll dates over a 12 month period;

         ii.      Bonus - The Executive shall receive one and one-half (1.5)
                  times the greater of: the full year annual bonus at 100%
                  target for the calendar year in which severance occurs, or the
                  average of last 2 annual bonuses paid to the Executive. Such
                  payment will be made at the same time that bonus consideration
                  and payments for other senior executives for the same
                  performance period are made;

         iii.     Medical & Dental - The Executive shall upon finalization of
                  the agreement and release, receive a lump-sum payment in the
                  amount of eighteen (18) times the then current monthly
                  premiums for the Executive's medical and dental insurance
                  coverage. All other welfare and insurance benefits shall cease
                  as of the Date of Termination; and

         iv.      Benefit Payment - The Executive shall upon finalization of the
                  agreement and release, receive a $4,000 payment to be applied
                  toward the purchase of individual disability, life or any
                  other insurances or coverages that terminated upon the
                  Executive's Date of Termination; and

         v.       Long-Term Incentive - The Executive shall continue to have
                  rights associated with any vested benefits as of the Date of
                  Termination. Following the Date of Termination, all non-vested
                  stock or stock options or other long-term incentives are
                  forfeited pursuant to and subject to the terms set forth in
                  the incentive plans.

         vi.      401(k), Pension and Supplemental Benefits - The Executive
                  shall be paid or be provided such other benefits for which the
                  Executive is entitled under the terms of any employee benefit
                  plan or program of the Company in which the Executive may be,
                  or may have been, a participant including any earned but
                  unpaid Paid Time Off through the Date of Termination.

(e)      CHANGE IN CONTROL. If, at anytime within one (1) year following the
         date in which a Change in Control shall have occurred, the Company
         terminates the Executive's employment for any reason whatsoever (except
         in the case of commission of a felonious act); or the Executive
         terminates his Term of employment for Qualifying Reasons as set forth
         above, the Company shall pay or provide

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                the following to the Executive, subject to the Executive signing
                a release and separation agreement reasonably acceptable to the
                Company:

                i.    Severance Pay - The Executive shall receive a lump-sum
                      severance payment equal to 24 months the Executive's then
                      current base salary. Within 7 days of the Date of
                      Termination, the Company shall submit to the Executive a
                      release and separation agreement which is consistent with
                      the terms of this Agreement. The severance payment under
                      this subsection will be paid to Executive within 7 days
                      after the release and separation agreement become final
                      and binding; and

                ii.   Bonus - The Executive shall receive one and one-half
                      (1.5) times the greater of: the full year annual
                      performance bonus at 100% target for the calendar year in
                      which severance occurs, or the average of last 2
                      performance bonuses paid to the Executive. Such payment
                      will be made within 7 days after the release and
                      separation agreement become final and binding; and

                iii.  Medical & Dental - The Executive shall, upon finalization
                      of the agreement and release, receive a lump-sum payment
                      in the amount of eighteen (18) times the then current
                      monthly premiums for the Executive's medical and dental
                      insurance. All other welfare and insurance benefits shall
                      cease as of the Date of Termination; and

                iv.   Benefit Payment - The Executive shall, upon finalization
                      of the agreement and release, receive a lump-sum payment
                      of $4,000 to be applied toward the purchase of individual
                      disability, life or any other insurances or coverages that
                      terminated upon the Executive's Date of Termination; and

                v.    Long-Term Incentive - The Executive shall receive all
                      awards made to the Executive under long-term incentive
                      plans or programs, pursuant to and subject to the terms
                      set forth in the incentive plans; and

                vi.   401(k) Pension and Supplemental Benefits - The Executive
                      shall be paid or be provided such other benefits for which
                      the Executive is entitled under the terms of any employee
                      benefit plan or program of the Company in which the
                      Executive may be, or may have been, a participant
                      including any earned but unpaid Paid Time Off through the
                      Date of Termination; and

                vii.  The Company shall reimburse the Executive for reasonable
                      attorney fees incurred by the Executive in connection with
                      the enforcement of this Section 7(e).

8.       REDUCTION OF PAYMENTS.

         Notwithstanding any other provision of this Agreement or of any other
         agreement, understanding or compensation plan, the Company shall not
         pay, and the Executive shall not receive, any payment which, taking
         into account all payments, rights, and benefits whether or not under
         this Agreement, would be deemed to be an "excess parachute payment"
         under Section 280G of the Internal Revenue Code of 1986, as amended,
         and the amount of payment hereunder shall be reduced to the extent
         necessary to ensure that the Executive receives no "parachute payment"
         in connection with such Change in Control if, as determined by the
         Company, the reduction would be beneficial to the Executive.

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9.       SUCCESSORS AND ASSIGNS.

         This Agreement shall not be terminated by voluntary or involuntary
         dissolution of the Company or by the merger or consolidation where the
         Company is not the surviving or resulting corporation. This Agreement
         is binding upon and will be enforceable by the Company and by its
         successors and by the assignees of all or substantially all of its
         business, and by any other corporation into which the Company may be
         merged or consolidated. Upon assignment of this Agreement by Company,
         the provisions of this Agreement, including but not limited to the
         provisions of Section 12, will be enforceable by the company receiving
         the assignment.

10.      NON-ASSIGNABILITY BY EXECUTIVE.

         The obligations of the Executive hereunder may not be assigned or
         transferred by the Executive in any manner whatsoever, nor are such
         obligations subject to involuntary alienation, assignment or transfer.

11.      RELATED COMPANIES.

         Notwithstanding Section 9, above, the Company may assign the Executive
         to perform services for other companies that are under common ownership
         or control with the Company, and may assign this Agreement to other
         companies that are under common ownership or control with the Company.
         Such assignment may be made without the Executive's consent.

12.      PROTECTION OF CONFIDENTIAL INFORMATION AND TRADE SECRETS; COMPANY
         BUSINESS ASSETS; NON COMPETE AND NON-SOLICITATION.

         (a)      CONFIDENTIAL INFORMATION AND TRADE SECRETS. The Executive
                  acknowledges that he or she will be working with or exposed to
                  confidential information and trade secrets, which are the
                  property of the Company and/or its affiliates. Such
                  information includes, but is not limited to: client lists and
                  information; medical data; financial data; sales data;
                  marketing data; policyholder data; claims data; personnel
                  information; business files; contracts; documents; business
                  strategies; business opportunities; any and all information
                  pertaining to potential or actual corporate acquisitions,
                  mergers, consolidations, conversions, joint ventures, or other
                  similar agreements; computer software, software codes, and
                  software documentation, and other documents or information
                  deemed confidential by the Company and so designated to the
                  Executive. During and after employment with the Company, the
                  Executive agrees not to share such information with any person
                  outside of the Company, except upon prior written
                  authorization from the Company following notice to and
                  approval by its Board.

         (b)      COMPANY BUSINESS ASSETS. The Parties agree that the business
                  assets of the Company include information regarding Company
                  clients, and relationships with Company clients, and
                  confidential information and trade secrets of the Company,
                  including those items listed in Section 12 (a) above. The
                  Executive also agrees that the work product of the Executive
                  produced in the course of employment with Company will be the
                  property of Company and/or its affiliates. The Executive
                  agrees that the Company and/or its affiliates shall own the
                  copyright, patent, and other property rights in such work
                  product, and that this work product will be work made for hire
                  for copyright purposes. Upon termination of employment, the
                  Executive shall deliver to the Company all work product, and
                  all confidential information and trade secrets, including but
                  not limited to the items listed in Section 12 (a), and the
                  Executive shall not retain any copies. If there is any breach
                  or threatened breach by the Executive of the provisions of
                  this Section or Section 12 (a), the Company shall be entitled
                  to injunctive relief against the Executive or those persons or
                  entities with whom the Executive is then affiliated, and to
                  reasonable damages, including reasonable attorneys' fees. Such

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                                                                   Exhibit 10.36

                  reasonable damages shall include at a minimum but not
                  exclusively the amount of any benefit that the Executive would
                  receive from disclosing or using the information.

         (c)      NON-SOLICITATION. The Executive agrees that for a period of
                  one (1) year after termination of employment with the Company,
                  the Executive will not directly or indirectly solicit business
                  from or sell any service or product to any clients of the
                  Company or clients of any subsidiary or affiliate of the
                  Company for any types of insurance or other services or
                  products which are offered by or through the Company or its
                  affiliates. Clients include current insureds and any persons
                  or entity insured or serviced for a fee by the Company or its
                  affiliates during the one-year period preceding termination of
                  the Executive's employment. The Executive also expressly
                  agrees that for a period of two (2) years after termination of
                  employment with the Company, the Executive will not directly
                  or indirectly induce, attempt to induce, or enable or support
                  the inducement of any employee to depart from or cease
                  employment with the Company or its affiliates, nor will the
                  Executive interfere with or disrupt the Company's or its
                  affiliates' relationships with other employees. If there is
                  any breach or threatened breach of this Section, the Company
                  and its affiliates shall be entitled to injunctive relief
                  against the Executive or those persons or entities with whom
                  the Executives is then affiliated, and reasonable damages,
                  including reasonable attorneys' fees.

         (d)      NON-COMPETE. Executive agrees that for a period of one (1)
                  year after termination of employment, Executive will not
                  directly or indirectly accept a position with or provide any
                  managerial or executive services to any business entity which
                  competes with Company or Company's affiliates in their core
                  lines of business, including but not limited to professional
                  liability insurance and worker's compensation insurance, in
                  any states where Company or its affiliates are doing business
                  in the United States at the time of termination. This
                  non-compete provision applies to providing services to a
                  competitor in any capacity, directly or indirectly, including
                  as an employee, consultant, owner, partner, shareholder (other
                  than a minority shareholder in a publicly traded corporation),
                  and also applies to aiding or assisting any other person or
                  entity in providing such services. Provided that, the Board or
                  CEO of ACAP may give prior written consent to the Executive
                  accepting a position which would otherwise be in violation of
                  this non-compete provision. If there is any breach or
                  threatened breach of this section, the Company and its
                  affiliates shall be entitled to injunctive relief against the
                  Executive and those entities with whom Executive is then
                  affiliated, and reasonable damages, including reasonable
                  attorneys' fees.

         (e)      RETURN OF COMPANY PROPERTY. Immediately upon the termination
                  of the Executive's employment with the Company and at any time
                  upon the Company's request, the Executive shall deliver to the
                  Company all the Company property in the Executive's
                  possession, custody or control including notebooks, reports,
                  manuals, programming data, listings and materials, engineering
                  or patent drawings, patent applications, any other documents,
                  files or materials which contain, mention or relate to
                  Confidential Information, and all copies and summaries of such
                  materials whether in written, mechanical, electromagnetic,
                  analog, digital or any other format or medium.

         (f)      CONSENT TO MODIFICATION BY THE COURTS. It is the express
                  intention of the parties to this Agreement that, if it should
                  appear that any of the terms or covenants of this section are
                  in conflict with any rule of law or statutory provision of the
                  State of Michigan or any other jurisdiction where this
                  Agreement is being enforced, which conflict would ordinarily
                  render such terms or covenants inoperative or null and void,
                  the parties request that the Courts of such state modify any
                  such term or covenant so that the intention of the parties
                  hereto is carried out to as great a degree and extent as the
                  Court deems reasonable in order to conform with any rule of
                  law or statutory provision regarding restrictive covenants of
                  the State of Michigan or of such other jurisdiction.

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                                                                   Exhibit 10.36

13.      ARBITRATION OF DISPUTES.

         The Executive and the Company agree that any controversy or claim
         arising out of or relating to this Agreement, the breach thereof, or
         the coverage of this arbitration provision shall be settled by
         arbitration, rather than by litigation, administered by the American
         Arbitration Association in accordance with the National Rules for the
         Resolution of Employment Disputes in effect on the date of delivery of
         demand for arbitration. The Executive waives the right to submit any
         discrimination claims or other employment-related claims in a court
         proceeding, and elects instead to submit any such claims to
         arbitration. This Agreement to resolve disputes through arbitration is
         not a waiver of any of the Executive's substantive rights or remedies
         under law, and the arbitrator shall have the authority to grant any
         remedy or relief that could be granted in a court proceeding. The
         arbitration of such issues, including the determination of the amount
         of any damages suffered by either party hereto by reason of the acts or
         omissions of the other, shall be to the exclusion of any court. The
         decision of the arbitrators shall be final and binding on the parties
         and their respective heirs, executors, administrators, successors and
         assignees. Judgment upon the award rendered by the arbitrators may be
         entered in any court having jurisdiction. There shall be three
         arbitrators, one to be chosen directly by each party and the third
         arbitrator to be selected by the two arbitrators so chosen. The
         arbitration shall be conducted in Michigan or at such other location as
         agreed by the parties. All decisions and awards shall be made by a
         majority of the arbitrators. Each party shall pay the fees and expenses
         of that party's arbitrator and any representatives, witnesses and all
         other expenses related to the presentation of that party's case. The
         cost of the third arbitrator, the record or any transcripts, any
         administrative fees, and all other fees and costs shall be borne
         equally by the parties. The arbitrators shall have the authority to
         award reimbursement of reasonable attorneys' fees and other fees and
         expenses as part of the remedy, in accordance with applicable law.

         By agreeing to arbitration under this Section, the Company and the
         Executive understand that they are each waiving any right to a trial by
         jury and each party makes that waiver knowingly and voluntarily with
         full consideration of the ramifications of such waiver.

         Nothing contained herein shall be construed or interpreted to preclude
         the Company prior to, or pending the resolution of, any matter subject
         to arbitration from seeking injunctive relief in any court for any
         breach or threatened breach of any of the Executive's obligations in
         Section 12 hereof.

14.      RESOLUTION OF DISPUTES.

         The parties agree that this Agreement will be governed by and
         interpreted in accordance with the laws of the State of Michigan,
         without application of choice of law rules.

15.      RIGHT TO INJUNCTIVE AND OTHER RELIEF; CONSENT TO JURISDICTION.

         (a)      The Executive acknowledges that the Company will suffer
                  irreparable harm, not readily susceptible of valuation in
                  monetary damages, if the Executive breaches any of his
                  obligations in Section 12 of this Agreement. Accordingly, the
                  Executive agrees that the Company shall be entitled to
                  injunctive relief against any breach or prospective breach by
                  the Executive of his obligations in Section 12 in any federal
                  or state court of competent jurisdiction, and the Executive
                  hereby submits to the jurisdiction of any such federal or
                  state court in the State of Michigan for the purposes of any
                  actions or proceedings instituted by the Company to obtain
                  such injunctive relief. Nothing herein

                                                                              10

<PAGE>

                                                                   Exhibit 10.36

                  shall be construed as prohibiting the Company from pursuing
                  any other remedies available to the Company for such breach or
                  threatened breach, including the recovery of damages from the
                  Executive,

         (b)      In addition to the rights set forth in subsection (a), above,
                  if Executive breaches any of his obligations under Section 12
                  the Company shall be entitled to cease making further payments
                  to the Executive pursuant to clauses (i) through (iv) of
                  Section 7 (d) or (e), as the case may be, as well as pursuant
                  to clause (v) of Section 7 (d); and to terminate Executive's
                  rights of participation under clause (v) of Section 7 (d) or
                  (e), as the case may be,

         (c)      This section shall survive the termination of the Executive's
                  Employment

16.      ENTIRE AGREEMENT.

         This written Agreement sets forth the entire Employment Agreement
         between the parties, and it supersedes all prior negotiations,
         employment interviews, communications, and understandings between the
         Parties whether written or oral. There are no other Employment
         Agreements between the Parties.

17.      AMENDMENT. This Agreement may not be changed orally but only by a
         written agreement that expressly references this Agreement, signed by
         the Executive and the Company's Chief Executive Officer, and approved
         by its Board of Directors.

18.      SEVERABILITY.

         The various Sections of this Agreement are severable. If any Section or
         an identifiable part thereof is held to be invalid or unenforceable by
         any court of competent jurisdiction, then such invalidity or
         unenforceability shall not affect the validity or enforceability of the
         remaining Sections or identifiable parts thereof in this Agreement. The
         parties hereto agree that the portion so held invalid, unenforceable or
         void shall, if possible, be deemed amended or reduced in scope, or
         otherwise be stricken from this Agreement, to the extent required for
         the purposes of the validity and enforcement hereof.

19.      BENEFICIARIES.

         The Executive may select (and change, to the extent permitted under any
         applicable law) a beneficiary or beneficiaries to receive any
         compensation or benefit payable under this Agreement following the
         Executive's death or disability, and may change such election by giving
         the Company written notice thereof. In the event of the Executive's
         death, Disability or a judicial determination of the Executive's
         incompetence, all references in this Agreement to the Executive shall
         be deemed, where appropriate, to refer to the Executive's named
         beneficiary, estate or other legal representative.

20.      NOTICES.

         All notices which a party is required or may desire to give to the
         other party under or in connection with this Agreement shall be
         sufficient if given by hand delivery or by addressing same to the other
         party as follows: (a) if to the Executive, to: the last known address
         of record with the Company, or (b) if to the Company, to: Attn:
         Secretary, American Physicians Assurance Corporation, 1301 North
         Hagadorn Road, East Lansing, MI 48826-1471; or at such other place as
         may be designated in writing by like notice. Any notice shall be deemed
         to have been delivered when addressed as required herein and deposited
         postage prepaid, in the United States Mail.

                                                                              11

<PAGE>

                                                                   Exhibit 10.36

21.      ACTION OF THE BOARD

         Any reference in this Agreement to the Board shall include the Board,
         the Compensation Committee thereof and any officers of the Company to
         which the Board or the Compensation Committee thereof has by resolution
         delegated any explicit authority or responsibilities with respect of
         this Agreement.

22.      TAX WITHHOLDINGS

         All payments to the Executive hereunder shall be subject to such
         withholding of federal, state and local income and excise taxes and to
         such employment taxes as may be reasonably determined by the Company to
         be required.

23.      SURVIVAL AND CONTINUATION OF AGREEMENT PROVISIONS.

         The termination of the Executive's employment for any reason whatsoever
         shall not operate to terminate this Agreement or otherwise adversely
         affect the respective continuing rights and obligations of the parties,
         including but not limited to, those under Sections 5(b), 7, 8, 9, 12,
         13, 15 and 20 of this Agreement, all of which shall survive the
         effective date of such termination of employment in accordance with
         their respective terms.

EXECUTIVE                         AMERICAN PHYSICIANS ASSURANCE CORPORATION

___________________________       ______________________________________________
                                  President and Chief Executive Officer

                                                                              12

<PAGE>

                                                                   Exhibit 10.36

                              SUPPLEMENTAL SCHEDULE

         In 2003, the Company entered into new Executive Employment Agreements
with six (6) officers. The Executive Employment Agreement with Thomas Chase is
filed as Exhibit 10.32. Except as set forth below, the other five (5) Executive
Employment Agreements are substantially similar in all material respects to the
form of Executive Employment Agreement filed as Exhibit 10.36 and, therefore,
the specific Executive Employment Agreements for the each of the officers listed
below have been omitted.

<TABLE>
<CAPTION>
  Officer       Title                       Salary      Subject to the Direction of     Date Signed
----------    -------------------------    --------   ------------------------------   -------------
<S>           <C>                          <C>        <C>                              <C>
R. Kevin      President and Chief          $350,000   President and Chief Executive    June 30, 2003
Clinton       Executive Officer                       Officer and the Board of
              (American Physicians)                   Directors of APCapital

Margo R.      Vice President of Human      $180,000   President and Chief Executive    June 10,2003
Runkle        Resources and Legal                     Officer and the Board of
              (APCapital)                             Directors of APCapital

Annette E.    Chief Operating Officer      $200,000   Chief Executive Officer of       July 28, 2003
Flood         (American Physicians)                   American Physicians, the
                                                      President and Chief Executive
                                                      Officer and the Board of
                                                      Directors of APCapital

Frank H.      Executive Vice President,    $300,000   President and Chief Executive    June 30, 2003
Freund        Treasurer and Chief                     Officer and the Board of
              Financial Officer                       Directors of APCapital
              (APCapital)

Laura A.      Vice President, Marketing    $170,000   Chief Executive Officer of       June 12, 2003
Kline         (American Physicians)                   American Physicians, the
                                                      President and Chief Executive
                                                      Officer and the Board of
                                                      Directors of APCapital
</TABLE>

                                                                              13<PAGE>
                                                                   EXHIBIT 10.16

                     AGREEMENT REGARDING TRANSFER OF SHARES
                       AND SATISFACTION OF PROMISSORY NOTE

         This Agreement (the "Agreement") is made as of the 19th day of
December, 2003 (the "Effective Date"), by and between Thomas T. Stallkamp
("Executive") and MSX International, Inc. (the "Company").

                                   BACKGROUND

         A.       Executive is the debtor with limited recourse under the terms
of an Amended and Restated Promissory Note dated as of February 28, 2002, the
total principal amount due and owing under which is $3,261,483 including accrued
interest of $63,874 as of the Effective Date (the "Promissory Note") and the
Company is the Lender under the terms of the Promissory Note.

         B.       Executive has pledged to the Company 600,000 shares of Common
Stock of the Company (the "Shares") as collateral to secure Executive's
obligations to the Company under the Promissory Note pursuant to a Pledge
Agreement dated as of February 28, 2002, by and between Executive and the
Company (the "Pledge Agreement"). The parties hereto have agreed that the fair
market value of the Shares as of the Effective Date is $1.15 per Share, or
$690,000 in the aggregate.

         C.       There is limited recourse under the Promissory Note against
Executive and his assets (apart from the Shares). Such recourse portion of the
Promissory Note is equal to $799,402.

         D.       Executive is terminating his employment as Chief Executive
Officer of the Company effective December 31, 2003.

         E.       Executive and the Company desire for Executive to transfer the
Shares to the Company in full satisfaction of all amounts owed by Executive
pursuant to the Promissory Note.

         NOW, THEREFORE, in consideration of the premises and of the mutual
covenants herein contained, the parties hereto agree as follows:

1.       Representations and Warranties.

         1.1      Each party hereto represents and warrants to the other party
         that this Agreement has been duly authorized, executed and delivered by
         such party and is enforceable against such party in accordance with its
         terms. The Company has all requisite corporate power and authority
         necessary to authorize this Agreement and to consummate the
         transactions contemplated hereby.

         1.2      Executive hereby represents and warrants to the Company that
         he owns the Shares of record and beneficially, free and clear of any
         lien, pledge, security interest or other encumbrance or claim of any
         person or entity, other than as set forth in the Promissory Note or
         Pledge Agreement.

2.       Satisfaction of Promissory Note.

         2.1      As of the Effective Date, the Executive shall transfer the
         600,000 Shares (which the parties agree have a fair market value as of
         the Effective Date of $1.15 per Share) with a total value of $690,000,
         and the Company shall cancel the Promissory Note. The Company shall
         accept the transfer of Shares in full satisfaction of all obligations
         of Executive under the Promissory Note.

         2.2      As of the Effective Date and upon transfer of the Shares to
         the Company in accordance with Section 3 hereof, the Promissory Note
         shall be cancelled and shall terminate, and the Company shall deliver
         to Executive an original copy of the Promissory Note, duly marked as
         cancelled and free and clear of all liens.

<PAGE>

3.       Termination of Pledge Agreement. As of the Effective Date, the Pledge
Agreement shall terminate, and Executive shall transfer the Shares to the
Company by delivering a certificate or certificate(s) representing the Shares to
the Company duly endorsed for transfer, and the Shares shall be released from
the pledge and shall be free and clear of rights of the Company under the Pledge
Agreement.

4.       Assignment; Successors. Neither the Company nor Executive may assign
any rights or obligations hereunder to any other party without the prior written
consent of the other party. This Agreement and all obligations and benefits
hereunder shall inure to the successors and permitted assigns of the parties.

5.       Counterparts. This Agreement may be executed and delivered by each
party hereto in separate counterparts, each of which when so executed and
delivered shall be deemed an original and all of which taken together shall
constitute but one and the same agreement.

6.       Entire Agreement; Modification; Governing Law. The terms and conditions
hereof constitute the entire agreement between the parties hereto with respect
to the subject matter of this Agreement and supersede all previous
communications, either oral or written, representations and warranties of any
kind whatsoever, except as expressly set forth herein. No modifications of this
Agreement nor waiver of the terms or conditions thereof shall be binding upon
either party unless approved in writing by an authorized representative of such
party. All issues concerning this Agreement shall be governed by and construed
in accordance with the laws of the State of Michigan, without giving effect to
any choice of law or conflict of law provision or rule (whether of the State of
Michigan or any other jurisdiction) that would cause the application of the law
of any jurisdiction other than the State of Michigan.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

<PAGE>

         IN WITNESS WHEREOF, the parties have executed this Agreement as of the
date first written above.

                                     MSX INTERNATIONAL, INC.

                                     By: /S/ FREDERICK K. MINTURN
                                     -------------------------------------------
                                     Name:  Frederick K. Minturn
                                     Title: Executive Vice President & CFO

                                     EXECUTIVE

                                     /S/ THOMAS T. STALLKAMP
                                     -------------------------------------------
                                     Thomas T. Stallkamp

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