Document:

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                                                                   Exhibit 10.14

                        UNDERWRITING MANAGEMENT AGREEMENT

     This Agreement is entered into effective as of June 1, 2003, by and between
Capitol Specialty Insurance Corporation (hereinafter called the "Company"), and
Darwin Professional Underwriters Inc. (hereinafter called the "Manager").

     WHEREAS, the Manager intends to develop, produce and market the insurance
business specified in Appendix I, Insurance Business (hereinafter called the
"Business") and desires to underwrite, administer and market the Business on
behalf of the Company; and

     WHEREAS, the Company wishes that the Manager underwrite, administer and
market the Business;

     NOW, THEREFORE, in consideration of the promises herein contained and other
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, it is agreed that:

SECTION 1 - APPOINTMENT AND AUTHORITY

1.0  The Company hereby appoints the Manager as its exclusive agent for writing
     the Business, except the Company may write the Business with an agent other
     than Darwin, without violating the exclusivity provision of this Section
     1.0, in the event Company requests that the Manager act as agent for a
     given account or program and the Manager declines Company's request.
     Notwithstanding the foregoing, (i) in the event that Alleghany Corporation
     or any of its subsidiaries acquires an insurer which is engaged in one or
     more lines of Business but is not licensed in one or more jurisdictions in
     which the Company is licensed, the Company may as an accommodation issue
     policies with respect to such lines of Business at the request of that
     insurer for a period of no more than six months following such acquisition
     without violating the exclusivity provisions of this Section 1.0, (ii) the
     Company may issue surety products, policies to and in connection with the
     Company's property and casualty accounts and programs in place at June 1,
     2003 and coverages incidental to or in conjunction with commercial package
     policies, without violating the exclusivity provisions of this Section 1.0
     and (iii) the Company may issue policies for and provide services to
     Resurgens Specialty Underwriting, Inc. and RSUI Indemnity Company.

1.1  In conducting the Business, the Manager is responsible for and is
     authorized to:

     a.   Solicit and evaluate applications;

     b.   Subject to Appendix II, Underwriting Guidelines (the "Underwriting
          Guidelines"), determine the underwriting acceptability of risks and
          rate, quote, negotiate, bind, manuscript, issue, adjust, renew and
          deliver policies, assumed facultative and treaty reinsurance
          agreements, endorsements, certificates and binders with respect to the
          Business (hereinafter called the "Contracts");

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     c.   Bill, collect and remit to the Company all premiums for the Contracts
          and keep the necessary records to support each transaction in
          accordance with the guidelines specified in Appendix III, Accounting
          and Records (the "Accounting and Records Guidelines");

     d.   Retain, out of premiums collected, expense reimbursement subject to
          the terms specified in Appendix IV, Payments;

     e.   In accordance with the laws of the applicable jurisdiction, effect
          cancellation, nonrenewal or rescission of Contracts on any risk bound
          by the Manager for nonpayment of premium or other causes as the
          Manager may deem to be in the interests of the Company or as directed
          by the Company. No provision of this Agreement shall be deemed to
          restrict the Company's rights to cancel or not renew any policy of
          insurance subject to the applicable laws and regulations concerning
          the cancellation and nonrenewal of insurance policies;

     f.   Report claims to the Company and administer, settle and maintain
          records of claims in accordance with the claims guidelines provided in
          Appendix V, Claims (the "Claims Guidelines"); and

     g.   Accept proposals of insurance and assumed reinsurance from agents,
          brokers or solicitors (hereinafter called "Subproducers") and
          determine the amount of compensation payable to such Subproducers. The
          Manager agrees that any compensation payable to a Subproducer will be
          its sole responsibility and the Company shall have no liability for
          any such compensation unless otherwise agreed to in writing by the
          Company and the Manager and, further, that no Subproducer shall be
          appointed or considered as agent of the Company without the Company's
          prior written consent thereto. The Manager shall be solely responsible
          for confirming that all Subproducers approved by the Company possess
          all licenses and appointments required under applicable law.

SECTION 2 - LIMITATIONS OF AUTHORITY

2.0  The Manager shall not accept proposals or bind the Company for insurance
     (i) on risks not included in the types of insurance specified in Appendix
     I, Insurance Business, (ii) on risks deemed unacceptable, as specified in
     the Underwriting Guidelines, and (iii) as the Company may direct in writing
     from time to time. The Manager shall have no authority to bind the Company
     to any ceding reinsurance agreements.

2.1  Except for use of either party's name in correspondence in the ordinary
     course of business, neither party shall use the other party's name, logo or
     marks in any advertisement, sales or promotional materials without
     providing notice thereof to the other party before or within 10 days of
     such use. Neither party shall continue

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     such use upon receipt of an objection thereto by the other party, such
     objection not to be unreasonably made.

2.2  The Manager shall not institute legal proceedings on behalf of the Company
     except (i) for collection of premium, (ii) as may be specified in the
     Claims Guidelines or (iii) as otherwise agreed by the Company and the
     Manager.

2.3  With respect to the insurance functions performed for the Company by the
     Manager, it is specifically recognized that the relationship between the
     Manager and the Company shall be that of an authorized agent acting on
     behalf of a principal. In all other respects, however, the Manager shall
     conduct its business as an independent contractor.

2.4  The Manager shall not authorize any other person or entity to exercise any
     of the Manager's underwriting authority specified herein without the prior
     written consent of the Company.

SECTION 3 - OWNERSHIP AND CONTROL OF PROPRIETARY INFORMATION

3.0  As used herein, "Proprietary Information" means all intellectual property
     rights, copyrights, trademarks, trade names, trade secrets and all
     underwriting and marketing materials originated or substantially developed
     by the Manager or the Company relating to the Business including, but not
     limited to, underwriting manuals, applications, Contract forms,
     advertisements, brochures, newsletters, loss prevention materials and
     marketing logos. The Company and the Manager both acknowledge that
     Proprietary Information developed or acquired by the other party prior to
     or subsequent to the inception date of this Agreement is owned by the other
     party and shall continue to be owned by the other party in the event of the
     termination of this Agreement, regardless of the reason for the
     termination.

SECTION 4 - OTHER DUTIES AND RESPONSIBILITIES

4.0  It is the responsibility of the Manager and the Company to comply with all
     laws and regulations applicable to the Business, including but not limited
     to:

     a.   Obtaining and maintaining appropriate licenses;

     b.   Maintaining accurate records of all transactions affecting the
          Business;

     c.   Complying with any and all cancellation, nonrenewal and
          countersignature requirements imposed by law; and

     d.   Complying with the requirements of any other applicable insurance
          laws.

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          The Manager and the Company shall comply with the specific
          requirements applicable to each, and shall assist each other whenever
          possible in complying with this Section 4.0.

4.1  The Company shall pay all premium related taxes, with the exception of
     surplus lines taxes which shall be the responsibility of the Manager or
     another licensed surplus lines broker or agent producing Business to the
     Manager, unless otherwise agreed upon in writing by the Company and the
     Manager.

4.2  The Manager shall observe all regulatory restrictions upon the licensing
     and soliciting of insurance in each jurisdiction.

4.3  The Manager shall become a licensed agent of the Company and the Company
     shall assist the Manager in obtaining licenses when required by applicable
     law. The Manager shall secure a proper countersignature for each Contract
     when required by law.

4.4  Except as otherwise provided herein, the Manager shall be responsible for
     its own expenses which shall include, but not be limited to, all employee
     compensation, all business license fees, overhead expenses, in-house claim
     services expenses, commissions to Subproducers and compensation to
     associates or entities sponsoring or endorsing any Business. The Company's
     approval is necessary prior to the Manager obtaining any sponsorship or
     endorsement of the Business from any third party.

4.5  The Manager will maintain a competent and sufficient staff to perform the
     underwriting functions. The Manager also will maintain a competent and
     sufficient staff or will retain competent and sufficient third parties,
     including without limitation monitoring counsel, to perform investigation
     and adjustment of claims, Contract issuance, billing and generation of
     reports for the Business and any other non-underwriting activity as the
     Manager determines is necessary and appropriate. Any such sub-contracted
     for services will not be performed by any person or entity that is an
     affiliate or an associate of Manager or an officer, director or employee of
     Manager without the specific written approval of Company.

SECTION 5 - FUNDS HELD BY THE MANAGER ON BEHALF OF THE COMPANY

5.0  All funds collected or received by the Manager for or on behalf of the
     Company shall be held in a fiduciary capacity by the Manager in an account
     in a financial institution which is a member of the Federal Reserve System.
     This account shall be used for all payments on behalf of the Company.
     Provided the Manager has, in accordance with the terms of this Agreement,
     accounted for and paid to the Company all premiums and other monies legally
     due and owing to the Company, any investment income produced from the
     fiduciary funds held on behalf of the

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     Company by the Manager shall vest and become the property of the Manager,
     and the Company waives any right of ownership to such investment income.

SECTION 6 - EXPENSE REIMBURSEMENT AND INCENTIVE COMPENSATION PAYMENTS

6.0  The Manager shall be entitled to an expense reimbursement payment and an
     incentive compensation payment in respect of Business written pursuant to
     this Agreement in the amounts specified in Appendix IV, Payments. The
     Manager shall report transactions to the Company in the manner specified in
     Appendix III, Accounting and Records, and shall deduct from its remittance
     of premiums to the Company an amount in respect of the expense
     reimbursement payment provided for in Article IV.

SECTION 7 - ACCOUNTING

7.0  The Manager shall account for and forward all money due to the Company with
     respect to the Business transacted on behalf of the Company in accordance
     with Appendix In, Accounting and Records.

SECTION 8 - RECORDS AND AUDITING

8.0  The Manager will maintain separate records of business written by the
     Manager for the Company. The Company has the right, upon reasonable written
     notice and during normal business hours of the Manager, to copy, inspect
     and audit all the records, files and documents related to the Business as
     the Company, at its sole discretion, deems necessary. The Manager agrees to
     cooperate with the Company in conducting such inspections and audits. The
     insurance commissioner of the State of Wisconsin (the "Commissioner") shall
     have access to all books, bank accounts and records of the Manager in a
     form usable by the Commissioner. The Manager shall retain records according
     to sections Ins 6.61 and 6.80 of the Wisconsin Administrative Code Rules of
     the Commissioner of Insurance.

8.1  The Manager will submit to the Company on a daily basis notification of
     policies bound during the previous business day and such other information
     as is agreed between the parties.

8.2  The Manager will assist the Company in responding to any regulatory
     requirements, audits or other inquiries. The Manager will assist Company in
     any way necessary in order for Company to meet its obligations under sec.
     Ins 42.05, Wis. Adm. Code, including but not limited to, providing Company
     with any requested data, documentation or files related to the business
     written by the Manager for the Company.

8.3  Use, ownership and control of expirations shall remain with the Manager
     following the termination of this Agreement.

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SECTION 9 - INDEMNIFICATION

9.0  The Company agrees to indemnify and hold the Manager harmless from and
     against all claims, actions, causes of action, liability or loss which
     arise from any negligent or willful acts, errors or omissions by the
     Company, or its directors, officers or employees, in the performance or
     breach of duties under this Agreement. Loss will include, but not be
     limited to, all damages, costs, expenses, reasonable attorneys' fees and
     other legal fees, penalties, fines, direct or consequential damages,
     assessments, verdicts (including punitive damages to the extent permissible
     by law) and any other expense or expenditure incurred by the Manager.

9.1  The Manager agrees to indemnify and hold the Company harmless from and
     against all claims, actions, causes of action, liability or loss which
     arise from any negligent or willful acts, errors or omissions by the
     Manager, or its directors, officers or employees, in the performance or
     breach of duties under this Agreement. Loss will include, but not be
     limited to, all damages, costs, expenses, reasonable attorneys' fees and
     other legal fees, penalties, fines, direct or consequential damages,
     assessments, verdicts (including punitive damages to the extent permissible
     by law) and any other expense or expenditure incurred by the Company.

SECTION 10 - TERMINATION

10.0 a.   This Agreement shall commence as of June 1, 2003, and continue, except
          as otherwise provided herein, through May 31, 2007 (the "Expiration
          Date"), and shall thereafter continue in effect as provided in Section
          10.0(b), unless terminated by either party in accordance with Section
          10.1 of this Agreement.

     b.   Subject to the provisions of Section 10.1 herein below, at each twelve
          (12) month anniversary following the Expiration Date of this
          Agreement, this Agreement shall. be deemed automatically extended for
          an additional twelve (12) month period and the Expiration Date
          specified in Section 10.0(a) shall be deemed to be so amended, without
          further notice.

10.1 Notwithstanding Section 10.0:

     a.   Either party may terminate this Agreement for any reason whatsoever
          effective upon the Expiration Date by providing not less than sixty
          (60) days prior written notice to the other party evidencing said
          party's intent to terminate this Agreement at such Expiration Date.

     b.   This Agreement may be terminated at any time upon the mutual written
          agreement of the Company and the Manager.

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     c.   This Agreement may be terminated by the Company at any time by written
          notice in the event the Manager files for bankruptcy, becomes
          insolvent or assigns all or part of its assets for the benefit of
          creditors.

     d.   This Agreement may also be terminated by the Company or by the Manager
          at any time by written notice if the other party materially breaches
          the terms of this Agreement, which breach is not cured within 30 days
          after notice thereof has been delivered to the breaching party. The
          Company may suspend the Manager's underwriting and claim authority
          during the pendency of any dispute regarding the cause for
          termination.

     e.   The Company may terminate this Agreement at any time by written notice
          upon (i) a consolidation or merger of the Manager resulting in
          Alleghany Corporation's failure to own, directly or indirectly, at
          least 51% of the outstanding equity interests in the Manager, (ii) a
          sale by Alleghany Corporation or its affiliates of equity interests in
          the Manager resulting in Alleghany Corporation's failure to own,
          directly or indirectly, at least 51% of the outstanding equity
          interests in the Manager, or (iii) a sale of all or substantially all
          of the assets of the Manager to a person other than Alleghany
          Corporation or any of its affiliates. The Manager may terminate this
          Agreement at any time by written notice upon (i) a consolidation or
          merger of the Company resulting in Alleghany Corporation's failure to
          own, directly or indirectly, at least 51% of the outstanding equity
          interests in the Company, (ii) a sale by Alleghany Corporation or its
          affiliates of equity interests in the Company resulting in Alleghany
          Corporation's failure to own, directly or indirectly, at least 51% of
          the outstanding equity interests in the Company or (iii) a sale of all
          or substantially all of the assets of the Company and its subsidiaries
          to a person other than Alleghany Corporation or any of its affiliates.

10.2 The Manager's appointment and authority for the Business written under this
     Agreement is subject to the following:

     a.   That the Company is able to obtain and maintain in force at all times
          reinsurance satisfactory to the Company for the Business. The Manager
          shall assist the Company to obtain reinsurance with respect to the
          Business, consistent with the Underwriting Guidelines; and

     b.   If the Company's reinsurance is terminated or no longer in full force
          and effect for all or any part of the Business, the Company may, upon
          written notice to the Manager, reduce the Manager's authority for the
          Business or any part of the Business affected so that the Company's
          net retention levels, as described in the Underwriting Guidelines, are
          not exceeded.

10.3 In the event of termination of this Agreement, the Company, in its sole
     discretion, may continue in-force Contracts until their stated expiration
     dates, subject to the following provisions:

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     a.   Notwithstanding anything contained herein, the Company reserves all of
          its rights to cancel and/or non-renew Contracts for nonpayment of
          premium, and Contracts issued in violation of the Underwriting
          Guidelines then applicable; and

     b.   The Manager shall continue to be the agent of the Company, but only
          with respect to the servicing of Contracts in-force on or before the
          date of termination of this Agreement and the administration of claims
          made on Contracts issued under this Agreement. The Company may suspend
          or terminate Manager's authority under this Section 10.3(b) in the
          event this Agreement is terminated because of breach by Manager of the
          material terms of this Agreement.

SECTION 11 - GENERAL PROVISIONS

11.0 Neither party will delegate or assign its rights, duties or obligations
     under this Agreement without the prior written consent of the other party.

11.1 This Agreement shall be governed exclusively by the internal laws of the
     State of Wisconsin without giving effect to the conflicts of laws
     provisions thereof.

11.2 Except upon the prior written consent of Company, Manager shall not
     represent any other insurer not affiliated with Alleghany Corporation with
     respect to the insurance business specified in Appendix I.

11.3 If any portion of this Agreement is in contravention of any statute,
     governmental regulation or directive, such portion shall be interpreted to
     conform to such statute, governmental regulation or directive without
     further action by the Manager or by the Company.

11.4 In the event that any provision of this Agreement is struck down as invalid
     or unenforceable, the remainder of the Agreement shall remain binding and
     in effect.

11.5 The failure of either party to enforce any provision of this Agreement
     shall not constitute a waiver by either party of any such provision.

11.6 If any dispute or disagreement shall arise in connection with any
     interpretation of this Agreement, its performance or nonperformance, or the
     figures or calculations used, the parties shall make every effort to meet
     informally and settle their dispute in good faith.

11.7 The Company and the Manager each represent that they are authorized to
     enter into this Agreement, in compliance with applicable law.

11.8 The provisions of this Agreement together with the Appendices and any
     Addendum or Addenda attached hereto, constitute the entire Agreement. This
     Agreement may not be altered or modified, except in writing, signed by both
     parties.

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11.9 The parties acknowledge that the following Appendices are attached hereto
     and incorporated herein by reference as of the inception date of this
     Agreement:

     Appendix I   Insurance Business
     Appendix II  Underwriting Guidelines
     Appendix III Accounting and Records
     Appendix IV  Payments
     Appendix V   Claims

11.10 This Agreement maybe executed in counterparts, each of which when
     construed together shall constitute the whole.

SECTION 12 - NOTICES

12.0 All written notices under this Agreement shall be mailed by certified or
     registered mail, return receipt requested, or sent by facsimile, as
     follows:

a.   To the Company: CAPITOL SPECIALTY INSURANCE CORPORATION
                     4610 University Avenue
                     Madison, Wisconsin 53705
                     Attention: David F. Pauly
                     Facsimile: (608) 231-2053

b.   To the Manager: DARWIN PROFESSIONAL UNDERWRITERS INC.
                     76 Batterson Park Road
                     Farmington, Connecticut
                     Attention:. Mark I. Rosen
                     Facsimile: (860) 507-1006

IN WITNESS WHEREOF, the parties have caused this Agreement to be executed in
duplicate by their respective duly authorized officers.

CAPITOL SPECIALTY INSURANCE CORPORATION DARWIN PROFESSIONAL UNDERWRITERS INC.

Dated as of June 1, 2003                Dated as of June 1, 2003

By: /s/ Thomas Manion                   By: /s/ John L. Sennott, Jr.
    ---------------------------------       ------------------------------------
Its: VP, CFO, & Treasurer               Its: SVP, CFO
     --------------------------------        -----------------------------------

                                        9<PAGE>
                                                                   Exhibit 10.15

                 UNDERWRITING MANAGEMENT AND SERVICES AGREEMENT

          THIS AGREEMENT ("Agreement"), made as of the 15th day of July, 2004,
among Darwin National Assurance Company, a stock insurance company organized
under the laws of Delaware ("Insurer"), and Darwin Professional Underwriters,
Inc., a corporation organized under the laws of Delaware ("Darwin").

                                   WITNESSETH:

          WHEREAS, Insurer is qualified to the business of insurance in certain
states and jurisdictions of the United States;

          WHEREAS, Insurer wishes that Darwin underwrite and administer the
Policies (as defined below) and perform related services;

          NOW THEREFORE, in consideration of the mutual covenants and agreements
herein contained, and for other good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties hereto agree as
follows:

                                    ARTICLE I

                             APPOINTMENT OF MANAGER

          Insurer does hereby nominate, constitute and appoint Darwin as its
underwriting manager with respect to procuring contracts and policies of
[directors' and officers' liability insurance, errors and omissions insurance,
professional liability insurance, employment practices liability insurance,
fiduciary insurance, assumed facultative and treaty reinsurance of the foregoing
lines of business] and such other types of insurance as may be mutually agreed
to by the parties hereto, in the states and jurisdictions where Insurer is
qualified from time to time to write such insurance (the "Policies"). Darwin
hereby accepts such appointment.

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                                   ARTICLE II

                                      TERM

          This Agreement shall commence and be effective from the date first
above written and shall terminate when cancelled by either party hereto upon 30
days' written notice to the other.

                                   ARTICLE III

                   DUTIES, POWERS AND AUTHORITY OF THE MANAGER

          Darwin shall receive applications for Policies pertaining to risks and
render underwriting management and related services in connection with such
applications in accordance with applicable law and in accordance with all the
underwriting and claims guides, rules, bulletins or other written instructions
now in force or as may be issued by Insurer from time to time and in a manner
consistent with the terms of this Agreement. Without limiting the generality of
the foregoing, Darwin shall have the responsibility, power and authority to act
on Insurer's behalf as follows:

     (a)  To solicit and produce applications for Policies;

     (b)  To provide insurance underwriting functions in connection with the
          issuance of Policies;

     (c)  To issue, bind and execute Policies on behalf of Insurer;

     (d)  To report claims to Insurer and administer, settle and maintain
          records of claims submitted for payment under Policies;

     (e)  To negotiate, bind and execute agreements of ceded reinsurance with
          respect to the Policies; and

     (f)  To perform administrative, finance and accounting services in
          connection with the foregoing functions.

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                                   ARTICLE IV

                         ADMINISTRATION OF THE POLICIES

          Insurer does hereby grant to Darwin authority in all matters relating
to risk management and policy administration of the Policies (to the extent such
authority may be granted pursuant to applicable law), including, without
limitation, the power, without reservation, to bill and collect all premiums for
the Policies, to pay all amounts owing to agents or brokers in respect of the
policies, to adjust, to defend, to settle and to pay all claims, and to recover
(by way of subrogation or otherwise) any losses, incurred under any of the
Policies, and to take such other and further actions as may be necessary or
desirable to effect the transactions contemplated by this Agreement. Insurer
also grants to Darwin authority and discretion with respect to all matters
relating to claims settlement, salvage and subrogation and litigation concerning
the Policies, including, but not limited to, the selection of counsel therefor.
Darwin agrees to remit to Insurer promptly upon receipt thereof (a) all premium
payments, (b) any salvage, subrogation or other recoveries received by it in
respect of the Policies and (c) all notices of claims, losses or any other
information whatsoever relating to the Policies.

                                    ARTICLE V

            EXPENSE REIMBURSEMENT AND INCENTIVE COMPENSATION PAYMENTS

          Darwin shall be entitled to expense reimbursements and incentive
compensation payments as provided for in Appendix I hereto.

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                                   ARTICLE VI

                           BOOKS, RECORDS AND ACCOUNTS

          Darwin shall prepare and keep all books and records as are necessary
to reflect accurately all underwriting, claims, administrative, financial and
accounting services rendered in connection with the Policies issued by Insurer
pursuant to this Agreement. Such books and records shall be open to inspection
by any person authorized by Insurer at all reasonable times upon reasonable
prior notice during the term of this Agreement. Upon termination of this
Agreement, such books and records shall be transferred to and become the
property of Insurer.

                                   ARTICLE VII

                                OTHER AGREEMENTS

          Insurer and Darwin agree that:

     (a)  During the term of this Agreement, Darwin shall not be prohibited from
          engaging in any area of the insurance or reinsurance business with
          respect to others;

     (b)  It shall not be a violation of the terms of this Agreement for Darwin
          to comply in good faith with the instructions or rulings of the
          insurance departments of the various states or jurisdictions of the
          United States of America;

     (c)  The services of Darwin to Insurer hereunder are not to be deemed
          exclusive, and Darwin shall continue to be free to act in a similar or
          other capacity in respect to others;

     (d)  Darwin may utilize the resources of any affiliate, as well as its
          employees, in order to fulfill all of Darwin's obligations under this
          Agreement, but Darwin shall remain liable for the performance of all
          of its obligations hereunder; and

     (e)  Darwin shall perform its duties hereunder as an independent
          contractor.

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                                  ARTICLE VIII

                           GOVERNING LAW; JURISDICTION

          This Agreement shall be governed by and construed in accordance with
the laws of the State of Delaware.

                                   ARTICLE IX

                               GENERAL PROVISIONS

          (a) Notices. Any notice or other communication required or permitted
hereunder shall be in writing and shall be delivered personally, sent by
facsimile transmission (with immediate confirmation thereafter), or sent by
certified, registered or express mail, postage prepaid or by a nationally
recognized overnight courier service, marked for overnight delivery. Any such
notice shall be deemed given when received and shall be addressed:

     If to Insurer: Darwin National Assurance Company
                    76 Batterson Park Road
                    Farmington, CT 06070-0129
                    Attention: Stephen J. Sills

     If to Darwin: Darwin Professional Underwriters Inc.
                   76 Batterson Park Road
                   Farmington, CT 06070-0129
                   Attention: Mark I. Rosen

          (b) Invalidity. The invalidity or unenforceability of any provision or
portion of this Agreement shall not affect the validity or unenforceability of
the other provisions or portions of this Agreement.

          (c) Counterparts. This Agreement may be executed in counterparts, each
of which shall be deemed an original and all of which shall constitute one and
the same instrument.

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          (d) Assignment. This Agreement may not be assigned by either party
hereto without the written consent of the other party hereto.

          (e) Amendments. This Agreement may not be amended except pursuant to a
written instrument agreed to by both parties hereto.

          IN WITNESS WHEREOF, each of the undersigned parties have caused this
Agreement to be duly executed by its duly authorized representative as of the
date first written above.

                                        Darwin National Assurance Company

                                        By: /s/ John L. Sennott, Jr.
                                            ------------------------------------
                                        Name: John L. Sennott, Jr.
                                        Title: Chief Financial Officer &
                                               Treasurer

                                        Darwin Professional Underwriters, Inc.

                                        By: /s/ Stephen J. Sills
                                            ------------------------------------
                                        Name: Stephen J. Sills
                                        Title: President & Chief Executive
                                               Officer

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