Document:

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                                                                 Exhibit 10.20.2

                                    AMENDMENT
                                     TO THE
                              REINSURANCE AGREEMENT

                                      AMONG

Capitol Specialty Insurance Corporation (hereinafter referred to as the "Ceding
Company") and Darwin National Assurance Company (hereinafter referred to as
"Reinsurer" or "Darwin").

WHEREAS, the parties desire to modify certain terms and conditions of the
Reinsurance Agreement between the parties dated July 1, 2005;

NOW, THEREFORE, for the consideration mentioned and other good and valuable
consideration, the receipt and sufficiency of which is hereby acknowledged, the
parties do agree as follows:

     1.   The parties hereby agree that the effective date for the Agreement
          shall be October 1, 2005 instead of the previously referenced July 1,
          2005.

     2.   The definition of Reinsurance Effective Date in Article I is hereby
          amended in its entirety as follows:

          "Reinsurance Effective Date" shall be October 1, 2005.

     3.   Article 5 (A) is hereby amended in its entirety as follows:

          The Ceding Company will compute and credit the amount due to the
          Reinsurer in consideration for the reinsurance provided hereunder a
          sum equal to the September 30, 2005 GAAP book value of the loss and
          loss adjustment expense reserves and unearned premium, less any
          deferred acquisition expense related to the unearned premium, for the
          Policies, less any ceded unearned premiums and reinsurance receivables
          from unaffiliated reinsurers on paid and unpaid Losses for the
          Policies. In addition to any other amounts due Ceding Company,
          Reinsurer shall reimburse Ceding Company for any and all amounts paid
          and/or payable by Ceding Company to DPU under the Underwriting
          Management Agreement between DPU and Ceding Company effective June 1,
          2003.

     4.   Article 5 (B) is hereby amended in its entirety as follows:

          By December 31, 2005, the Ceding Company will remit to the Reinsurer
          the consideration to be calculated pursuant to paragraph A. of this
          Article. The form of the total consideration may include reinsurance
          recoverables relating to business reinsured (credited at full GAAP
          book value), cash, and invested assets of the entities reinsured (as
          determined by the Ceding Company and credited at market value). All
          invested assets transferred shall be free and clear of all claims,
          liens and encumbrances. The Ceding Company and the Reinsurer may, upon

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          mutual agreement, offset amounts due under this Agreement against
          other amounts due between the parties.

     5.   This Amendment may be executed in counterparts of like form, each of
          which, when executed, shall be deemed together an original and all of
          which taken together shall constitute one and the same instrument.

     6.   Except as hereby amended, the terms and provisions of the Agreement
          shall remain in full force and effect. This Amendment shall be
          effective as of the inception of the Agreement.

IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed
and delivered by their duly authorized representatives.

Darwin National Assurance Company       Capital Specialty Insurance Corporation

By: /s/ John L. Sennott, Jr.            By: /s/ David F. Pauly
    ---------------------------------       ------------------------------------
Name: John L. Sennott, Jr.              Name: David F. Pauly
      -------------------------------         ----------------------------------
Title: CFO                              Title: President
       -----------------------------           ---------------------------------

                                       -2-<PAGE>
                                                                 Exhibit 10.21.1

                        COMMUTATION AND RELEASE AGREEMENT

This Commutation and Release Agreement (the "Agreement") effective the 1st day
of July, 2005, by and between Capitol Indemnity Corporation ("CIC"), an
insurance company organized and existing under the laws of the State of
Wisconsin, and Darwin National Assurance Company ("DNA"), an insurance company
organized and existing under the laws of the State of Delaware.

                                   WITNESSETH:

          WHEREAS, effective July 1, 2004 CIC and DNA entered into a reinsurance
agreement in the form attached hereto as Exhibit A (the "Reinsurance
Agreement");

          WHEREAS, CIC and DNA mutually desire to fully and finally settle and
commute all past, present and future rights, liabilities, privileges, duties and
obligations under the policies ceded in connection with the Reinsurance
Agreement attached hereto as Exhibit A(the "Policies") and to fully and forever
release and discharge one another from any and all of their obligations and
liabilities under the Policies; and

          WHEREAS, DNA and CIC agree that it is in each of their best interests
to enter into this Agreement and to fully and finally release the other party
from the rights, liabilities, privileges, duties and obligations under the
Reinsurance Agreement.

          NOW THEREFORE, in consideration of the foregoing premises and the
promises and mutual covenants contained herein and for other good and valuable
consideration, the adequacy and receipt of which is hereby acknowledged, the
Parties hereby do mutually agree as follows:

                                   ARTICLE 1

1.   Within fifteen (15) business days of the effective date of this Agreement,
     CIC shall remit to DNA a sum equal to the June 30, 2005 GAP book value of
     the loss and loss adjustment expense reserves assumed from DNA and unearned
     premium assumed from DNA, less any deferred acquisition expense related to
     the unearned premium.

2.   DNA shall accept the sum set forth above in full and final settlement of
     any and all amounts due to DNA by CIC under the Reinsurance Agreement. DNA
     and CIC may, upon mutual agreement, offset amounts due under this Agreement
     against other amounts due between the parties.

3.   Upon receipt of the stun noted above, DNA will assume, effective as of July
     1, 2005, all existing and future rights, liabilities, duties and
     obligations with respect to the Policies. It is the express intention of
     the Parties hereto that CIC shall have no further rights, liabilities,
     duties or obligations with respect to the Policies and/or the Reinsurance
     Agreement, except as set forth in this Agreement.

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4.   DNA hereby releases and discharges CIC, its officers, directors and
     shareholders and their heirs, executors, administrators, successors and
     assigns from any and all liabilities, adjustments, obligations, offsets,
     actions, causes of actions, suits, debts, sums of money, accounts,
     reckonings, bonds, bills, covenants, contracts, controversies, agreements,
     promises, damages, judgments, claims and demands whatsoever, all whether
     known or unknown, which DNA and DNA's successors and permitted assigns ever
     had, now have, or hereafter may have against CIC arising out of or in
     connection with the Policies and/or the Reinsurance Agreement, provided,
     however, that this Release does not discharge CIC from the obligations that
     have been undertaken by CIC pursuant to the terms of this Agreement.

5.   CIC hereby releases and discharges DNA, its officers, directors and
     shareholders and their heirs, executors, administrators, successors and
     assigns from any and all liabilities, adjustments, obligations, offsets,
     actions, causes of actions, suits, debts, sums of money, accounts,
     reckonings, bonds, bills, covenants, contracts, controversies, agreements,
     promises, damages, judgments, claims and demands whatsoever, all whether
     known or unknown, which CIC and CIC's successors and assigns ever had, now
     have, or hereafter may have against DNA arising out of or in connection
     with the Policies and/or the Reinsurance Agreement, provided, however, that
     this Release does not discharge DNA from the obligations that have been
     undertaken by DNA pursuant to the terms of this Agreement.

6.   DNA shall indemnify, defend and hold harmless CIC in respect of any and all
     claims, whether by way of direct action or otherwise, made by DNA's
     successors and permitted assigns, regulators and other government entities,
     insurers and reinsurers with respect to this Agreement, the Reinsurance
     Agreement and/or the Policies.

7.   DNA shall, on or after the effective date of this Agreement, indemnify,
     defend and hold harmless CIC in respect of the claims released hereunder,
     including all claims, whether by way of direct action or otherwise, made by
     (a) any person claiming to be insured under the Policies; (b) any person
     who has made, will or can make a claim under the Policies and (c) any
     Person who had acquired or been assigned the right to make a claim under
     the Policies.

8.   DNA shall have the right to control the defense (including the right to
     select counsel) of any claim for which CIC is entitled to and is seeking a
     defense from DNA pursuant to Sections 6 and 7 of this Agreement. Counsel
     selected to defend CIC may be the same counsel defending DNA unless
     representation of both DNA and CIC creates a non-waivable conflict of
     interest. In the event of a non-waivable conflict, CIC shall have the right
     to select counsel to defend CIC, at DNA expense, subject to approval by
     DNA, such approval not to be unreasonably withheld. DNA agrees to waive any
     conflicts of interest (other than non-waivable conflicts of interest) that
     might otherwise preclude counsel selected by CIC from representing CIC;
     provided that such counsel agree to protect any confidential

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     information that is obtained from DNA in connection with providing the
     defense specified herein.

9.   Each of the Parties hereto represents and warrants that (a) it is a
     corporation duly incorporated, validly existing, and in good standing under
     the laws of its state of domicile and, is duly licensed under the insurance
     laws of its state of domicile and is in compliance with the terms of its
     licensure; (b) it has the power and authority to execute, deliver and
     perform its obligations under this Agreement; (c) it has taken all
     corporate or other action necessary to authorize the execution, delivery
     and performance by it of this Agreement; (d) it has not assigned any of its
     rights or obligations under the Policies; (c) any authorizations, consents
     or approvals of any governmental or regulatory entity or authority required
     to make this Agreement valid and binding upon it have been obtained; (f) it
     has entered into (this Agreement based upon its own independent assessment
     of its rights and obligations under the Policies and/or the Reinsurance
     Agreement which assessment is not based upon any representations made by
     the other party to this Agreement; and (g) this Agreement constitutes and
     will constitute its legal, valid and binding obligation enforceable against
     it in accordance with the terms of this Agreement.

10.  This Agreement shall not be assigned by any party to any third party
     without the consent of the other party, such consent not to be unreasonably
     withheld. Nothing in this Agreement, express or implied, is intended to
     confer upon any person or entity other than the Parties hereto or their
     respective predecessors, successors, liquidators, receivers and permitted
     assigns any rights, remedies, obligations, or liabilities under or by any
     reason of this Agreement.

11.  This Agreement and the Exhibits attached hereto, which are incorporated by
     reference, shall constitute the entire Agreement between the Parties to
     this Agreement pertaining to the subject matter thereof, and supersede all
     prior or contemporaneous understandings or agreements, whether written or
     oral between them with respect to the matters that are the subject matter
     thereof. This Agreement may not be amended, changed, modified or terminated
     except by written amendment executed by each of the Parties hereto. No
     waiver of any provision of this Agreement shall be deemed a waiver of any
     terms or part thereof, nor shall such waiver constitute a continuing
     waiver.

12.  DNA and CIC irrevocably submit to the jurisdiction of a court of competent
     jurisdiction within the State of Wisconsin, in the event of any action,
     suit or proceeding arising out of this Agreement. If any provisions of this
     Agreement as applied to any party or to any circumstance shall be adjudged
     by a court to be invalid or unenforceable, the same shall in no way affect
     any other provision of this Agreement, the application of such provision in
     any other circumstance or the validity or enforceability of this Agreement.

13.  Subject to requirements of applicable law, the existence of this Agreement,
     and the terms hereof, shall remain confidential. Neither the Parties hereto
     nor their

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     respective attorneys, auditors or agents, shall disclose or disseminate in
     any way, except as required by legal or regulatory compulsion, the terms of
     this Agreement. In the event disclosure is made to third parties not
     expressly agreed upon in this Agreement, the disclosing party shall take
     all reasonable steps to preserve the confidentiality of such information,
     including giving prior written notice to the other parties, specifying the
     information to be disclosed, the manner of disclosure, and to whom
     disclosure is to be made and obtaining the prior written consent to the
     other parties for such disclosure. Each Party agrees to make a reasonable
     effort to obtain a written agreement to be bound by this confidentiality
     provision from any third party not expressly agreed to above to whom
     disclosure is made.

14.  This Agreement shall be construed, and the obligations, rights and remedies
     of the Parties hereunder shall he determined in accordance with the laws of
     the State of Wisconsin without regard to conflict of laws principles or the
     application of the laws of any other jurisdiction.

15.  Executed copies of this Agreement may be transmitted by facsimile, but
     whenever notice is required under this Agreement, it shall only be
     effective upon receipt when in writing, delivered by hand or sent by
     internationally recognized overnight courier service requiring proof of
     delivery and addressed:

     If to CIC

     Chief Financial Officer
     Capitol Insurance Companies
     4610 University Avenue
     P.O. Box 5900
     Madison, WI 53705-0900
     Fax: 608-231-2053

     With copies to:

     General Counsel
     Capitol Insurance Companies
     4610 University Avenue
     P.O. Box 5900
     Madison, WI 53705-0900
     Fax: 608-231-2053

     If to DNA:

     Chief Financial Officer
     Darwin National Assurance Company
     9 Farm Springs Road
     Farmington, CT 06032
     Fax: 860-284-1301

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     With copies to:

     General Counsel
     Darwin National Assurance Company
     9 Farm Springs Road
     Farmington, CT 06032
     Fax: 860-284-1950

19.  This Agreement may be executed and delivered in multiple counterparts by
     CIC and DNA hereto, each of which when so executed and delivered shall be
     an original and all such counterparts shall together constitute one and the
     same Agreement.

          IN WITNESS WHEREOF, CIC and DNA have hereunto caused this Agreement to
be duly executed and delivered by their respectful officers, all as of the date
first written above.

                                        CAPITOL INDEMNITY CORPORATION

September 1, 2005                       By: /s/ David F. Pauly
-------------------------------------       ------------------------------------
Date                                    Name: David F. Pauly
                                              ----------------------------------
                                        Title: President
                                               ---------------------------------

                                        DARWIN NATIONAL ASSURANCE COMPANY

August 31, 2005                         By: /s/ John L. Sennott, Jr.
-------------------------------------       ------------------------------------
Date                                    Name: John L. Sennott, Jr.
                                              ----------------------------------
                                        Title: CFO
                                               ---------------------------------

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