Document:

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                                                                   EXHIBIT 10.17

                              CONSULTING AGREEMENT

     This Consulting Agreement is entered into this 5th day of March, 2003, by
and between LVM Company ("LVM") and North Pointe Insurance Company ("NPIC").

                                    RECITALS

     WHEREAS, LVM, and Lawrence V. MacLean ("MacLean") have been integral to the
success of NPIC by providing claims adjusting services at competitive market
rates since the inception of NPIC in 1987; and

     WHEREAS, the Board of Directors and executive management of NPIC recognize
that LVM and more specifically MacLean, have substantially contributed to the
financial success of NPIC through the development, implementation, and
maintenance of consistently outstanding claims adjustment philosophies and
procedures; and

     WHEREAS, the Board of Directors of NPIC intends to provide for the
continued consultation by LVM with NPIC in the future.

     NOW, THEREFORE, the parties agree as follows:

                                    AGREEMENT

1.   ENGAGEMENT. The Company hereby engages LVM to perform claims consulting
     services for NPIC, and LVM hereby accepts such engagement as a claims
     consultant to NPIC, on the terms and conditions set forth below.

2.   PERFORMANCE OF SERVICES.

     2.1  CONSULTING DIRECTORS. LVM shall render such consulting services to
          NPIC as may be requested by such person or persons designated by NPIC
          as the Consulting Directors. The services to be provided by LVM shall
          be performed through and by MacLean, and shall not be assigned or
          delegated to any other person. For purposes of this Agreement, the
          Consulting Directors shall be B. Matthew Petcoff, Matthew MacLean and
          James G. Petcoff. Assignments from the Consulting Directors to LVM may
          be in oral or written form. To the extent requested by the Consulting
          Directors, LVM shall provide the Consulting Directors written or oral
          reports reflecting LVM's activities and results of its consulting
          services to NPIC.

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3.   TERM OF AGREEMENT. This Agreement will be effective for an initial term of
     one (1) year from January 1, 2003 and thereafter will automatically renew
     for a successive term of one (1) year each unless NPIC gives written notice
     to LVM of its election not to renew for an additional term; notice shall be
     given to LVM at least ninety (90) days prior to the expiration date of any
     term.

4.   COMPENSATION AND EXPENSES. As full, final and exclusive compensation for
     all LVM's services under this Agreement, NPIC agrees to pay LVM a fee equal
     to the sum of $12,500 per month for the term of the Agreement.

5.   RELATIONSHIP OF THE PARTIES.

     5.1  INDEPENDENT CONTRACTOR. LVM is an independent contractor and not an
          employee, partner, or joint venturer of NPIC, and nothing in this
          Agreement shall constitute or be construed to create an employment,
          partnership, joint venture or other similar relationship between NPIC
          and LVM. LVM shall be solely responsible for payment of any income or
          other taxes arising with respect to the compensation payable to LVM
          hereunder, and NPIC shall have no obligation to withhold income or
          other taxes from such compensation.

     5.2  NONEXCLUSIVITY. The parties acknowledge that LVM shall not be required
          to be available to perform services on a full-time basis, and that LVM
          shall be free to pursue other business activities.

6.   NONASSIGNABLE BY CONSULTANT. This Agreement is a personal service contract
     and the rights and duties of the LVM hereunder shall not be assignable,
     except with the consent of NPIC. Any other attempted assignment or transfer
     by LVM shall be void and of no force and effect.

7.   SUCCESSORS AND ASSIGNS. If NPIC shall at any time be merged or consolidated
     into or with any other corporation, or sold to a third party, this
     Agreement shall be binding on any such successor entity to NPIC or buyer of
     NPIC, and to the extent applicable and appropriate, on the devises, heirs,
     next of kin, executors and administrators of LVM.

8.   APPLICABLE GOVERNING LAW. The parties hereto agree that this Agreement
     shall be construed in accordance with and governed by the laws of the State
     of Michigan and the validity, interpretation, performance and enforcement
     of this Agreement shall be governed by the laws of the State of Michigan,
     including its laws and decisions relating to conflict of law.

                                       2

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9.   SEVERABILITY. Every provision in this Agreement is intended to be
     severable. If any term or provision hereof is illegal or invalid, for any
     reason whatsoever, such illegality or invalidity shall not affect the
     validity of the remainder hereof.

10.  AMENDMENTS/WAIVERS. No provision of this Agreement may be modified, waived
     or discharged unless such waiver, modification or discharge is agreed to in
     writing signed by LVM and an authorized officer of NPIC. No waiver by
     either party at any time of any breach by the other party, or compliance
     with, any condition or provision of this Agreement to be performed by such
     other party shall be deemed a waiver of similar or dissimilar provisions or
     conditions at the same or at any prior or subsequent time.

11.  ENTIRE AGREEMENT. This Agreement expresses the entire agreement of the
     parties hereto, and supersedes all prior promises, representations,
     understandings, arrangements and agreements between these parties with
     respect to the subject matter herein. The parties further acknowledge and
     agree that neither of them has made any representation to induce the
     execution and delivery of this Agreement, except those as specifically set
     forth herein.

     IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of
the 5th day of March, 2003.

NORTH POINTE INSURANCE COMPANY

By: /s/ James G. Petcoff
    ---------------------------------
Its:
     --------------------------------

LVM COMPANY

By: /s/ Lawrence MacLean
    ---------------------------------
Dated:
       ------------------------------

                                       3<PAGE>
                                                                   EXHIBIT 10.18

                              CONSULTING AGREEMENT

       THIS AGREEMENT is effective September 30, 2005. Its parties are NORTH
POINTE HOLDINGS CORPORATION ("Company") and JOON MOON ("Consultant").

                                   BACKGROUND

       Company is a holding company with subsidiaries in the insurance and
financial services industry. Consultant is a member of the board of directors of
the Company. Company wants to take advantage of Consultant's experience in
investments and business acquisitions, as that experience would benefit the
Company. Consultant is willing to work for Company as a consultant.

       This document states the parties' agreements on these issues.

                                      TERMS

         1.       RETENTION. Company retains Consultant to act as a consultant
in matters relating to investments, financial and business acquisitions
("Services").

         2.       TERM. This Agreement is effective on the date first shown
above and is terminable by either party at any time, with or without cause, upon
at least thirty (30) days prior written notice.

         3.       INDEPENDENT CONTRACTOR STATUS. Consultant is an independent
contractor. He is not Company's employee, agent, joint venturer, or partner.
Nothing in this Agreement will be interpreted as creating or establishing an
employer/employee relationship between Company and Consultant. Company will not:
procure workers' compensation coverage for Consultant; withhold FICA (Social
Security) from Consultant's payments; make state or federal unemployment
insurance contributions on behalf of Consultant or its personnel; withhold state
and federal income tax from payment to Consultant; or make disability insurance
contributions on behalf of Consultant.

         4.       NONEXCLUSIVE. Consultant retains the right to perform work for
others during the term of this Agreement. Company retains the right to cause
work of the same or a different kind to be performed by its own personnel or
other contractors during this Agreement's term.

         5.       SERVICES TO BE PERFORMED BY CONSULTANT. Consultant will be
reasonably available or otherwise "on-call" to Company as requested by Company's
executive management. Consultant will use his best efforts to promptly respond
to Company's requests for Services.

         6.       METHOD OF PERFORMING SERVICES. Recognizing Consultant's
special skills, Company gives Consultant more control over his work than it
would give to its other service providers. Consultant will determine the method,
details and means of performing the work to be carried out for Company. Company
will not control the manner or determine the method of accomplishing such work.
This does not mean, however, that the parties will not engage in the
consultation inherent in their relationship. Consultant's compensation is set by
this Agreement.

         7.       LIAISON WITH COMPANY EMPLOYEES. Company will advise Consultant
of the individuals with whom Consultant will consult. Company and Consultant
will develop appropriate administrative procedures for performance of work.

         8.       PLACE OF WORK. Consultant will perform his work for Company as
he may determine from time to time.

         9.       COMPENSATION. Consultant shall be paid a monthly retainer of
$5,000 for each full calendar month during this Agreement's term.

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         10.      EXPENSES. Except as otherwise agreed in writing, Company will
reimburse Consultant his reasonable and necessary expenses incurred while
performing services under this Agreement.

         11.      CONFIDENTIALITY. Consultant will maintain in strict
confidence, and will use and disclose only as authorized by Company, all
information of a competitively sensitive or proprietary nature that he receives
in connection with the work he performs for Company under this Agreement. This
information includes without limitation, customer and agent lists. These
restrictions on information will not apply to information (1) generally
available to the public; (2) released by Company generally without restriction;
(3) independently developed or acquired by Consultant or its personnel without
reliance in any way on other protected information of Company; or (4) approved
for Consultant's use and disclosure without restriction. Notwithstanding the
foregoing restrictions, Consultant may use and disclose any information (1) to
the extent required by an order of any court or other governmental authority or
(2) as necessary for it or them to protect their interest in this Agreement, but
in each case only after Company has been notified and has had the opportunity,
if possible, to obtain reasonable protection for this information in connection
with this disclosure. The confidentiality obligations stated in this paragraph
shall survive the termination of this Agreement.

         12.      NOTICES. Any notices to be given by either party to the other
may be effected either by personal delivery in writing or by mail, registered or
certified, postage prepaid with return receipt requested. Mailed notices shall
be addressed to the parties at their last known addresses. A party may change
this address by written notice in accordance with this paragraph. Notices
delivered personally will be deemed communicated as of actual receipt. Mailed
notices will be deemed communicated as of two days after mailing.

         13.      ENTIRE AGREEMENT OF THE PARTIES. This Agreement supersedes any
and all agreements, either oral or written, between the parties with respect to
the rendering of services by Consultant for Company. It contains all of the
parties' agreements with respect to Consultant's services. Any modification of
this agreement will be effective only if it is in writing signed by the party to
be changed.

         14.      AMENDMENT. The parties can only amend this Agreement in a
writing signed by both parties.

         15.      BENEFIT. The parties intend that this Agreement both benefit
and bind them, as well as their successors and assigns.

         16.      GOVERNING LAW. Michigan law governs this agreement.

         17.      PARTIAL INVALIDITY. If any provision in this Agreement is held
by a court of competent jurisdiction to be invalid, void, or unenforceable, the
remaining provisions will nevertheless continue in full force without being
impaired or invalidated in any way.

         18.      PARTIES IN INTEREST. This Agreement is enforceable only by
Consultant and Corporation. The terms of this Agreement are not a contract or
assurance regarding compensation, continued employment, or benefit of any kind
to any of Consultant's personnel assigned to Corporation's work, or any
beneficiary of any such personnel, and no such personnel or beneficiary will be
a third-party beneficiary under or pursuant to the terms of this Agreement.
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The parties have executed this agreement as of the 30th day of September 2005.

NORTH POINTE HOLDINGS CORPORATION

By; /s/ James G. Petcoff
   ------------------------
     Its President

/s/ JOON S. MOON
---------------------------
    JOON S. MOON

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