Document:

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                                                                    EXHIBIT 10.2

[WEIRTON STEEL CORPORATION LOGO]                            JOSEPH A. PAOLO, JR.
                                                Manager - Raw Materials & Energy
                                                           Phone: (304) 797-2257
                                                             Fax: (304) 797-2821
                                                   e-mail: joe.paolo@weirton.com

                                            January 31, 2003

Mr. Richard M. Efkeman
United States Steel Corporation
600 Grant Street
Pittsburgh, PA 15219-2800

    RE:  AMENDMENT NO. 1 TO THE MOU - COKE SUPPLY AGREEMENT GENERAL TERMS AND
         CONDITIONS DATED MARCH 1, 2002 ("MOU")

Dear Rick:

United States Steel Corporation ("U.S. Steel") and Weirton Steel Corporation
("Weirton") hereby amend the subject MOU as set forth below, to be effective
January 1, 2003.

        1.  The entire section of the MOU that is titled "Calendar Year 2003 and
2004" including the three numbered paragraphs that are titled "Base Volume,"
"Base Volume Price" and "Incremental Volume," are hereby deleted and replaced
with the following:

        CALENDAR YEAR 2003
        (1)   Volume
              750,000 natural net tons of screened metallurgical blast furnace
              coke ("Coke") for the calendar year, +/- 5% (pro rata per calendar
              quarter), with deliveries to be made throughout the year in
              installments at as uniform a rate as practicable, unless otherwise
              mutually agreed.

        (2)   Price

                    REDACTED

        CALENDAR YEAR 2004
        (1)   Volume
              850,000 natural net tons of Coke for the calendar year, +/- 10%
              (pro rata per calendar quarter), with deliveries to be made
              throughout the year in installments at as uniform a rate as
              practicable, unless otherwise mutually agreed.

           WEIRTON STEEL CORPORATION/400 THREE SPRINGS DRIVE/WEIRTON,
         WEST VIRGINIA 26062-4997 PHONE (304) 797-2000/www.weirton.com

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Mr. Richard M. Efkeman
Re: Amendment No. 1 to MOU
January 31, 2003

        (2)   Price
              The price per net ton for the year, FOB loaded railcar at Clairton
              Works, for the year 2004 will be based on a Market Price to be
              determined during October 2003 in the same manner as specified in
              Articles VI.B. and VI.C. of the expired agreement (as defined in
              the MOU) which provisions are expressly incorporated herein by
              this reference, unless otherwise mutually agreed in writing by the
              parties.

        II.   REDACTED

        III.  Except as set forth above, all other terms and conditions in the
MOU are and shall remain in fill effect.

Please acknowledge your acceptance of this Amendment No. 1 by signing this
letter and returning a copy to me. For the sake of expediency, this amendment
may be executed in counterparts, each of which shall be deemed an original, but
all of which together shall constitute a single instrument, and the counterparts
may be signed and then delivered by telefacsimile, with the signed original to
promptly follow by first class mail or overnight service.

                                                Very truly yours,

                                                /s/ JOSEPH A. PAOLO, JR.
                                                --------------------------------
                                                Joseph A. Paolo, Jr.
                                                Manager - Raw Materials & Energy

                                       2
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Mr. Richard M. Efkeman
Re: Amendment No. 1 to MOU
January 31, 2003

        ACCEPTED THIS 31 day of January, 2003
                     ----

        UNITED STATES STEEL CORPORATION

        By:   /s/ RICHARD M. EFKEMAN
            --------------------------------------
              Richard M. Efkeman
              Director - Raw Material Planning,
              Procurement, Distribution & Sales

                                       3<PAGE>
                                                                   EXHIBIT 10.7

                       THIRD AMENDMENT TO LOAN AGREEMENT

         THIS THIRD AMENDMENT TO LOAN AGREEMENT (this "Amendment") is made and
entered into as of March 21, 2003 by and among HCC INSURANCE HOLDINGS, INC., a
Delaware corporation (the "Borrower"); each of the Lenders which is a party to
the Loan Agreement (as defined below) (individually, a "Lender" and,
collectively, the "Lenders"), WELLS FARGO BANK TEXAS, NATIONAL ASSOCIATION,
Administrative Agent for the Lenders and Lead Arranger (in such capacity,
together with its successors in such capacity, the "Agent"), FIRST UNION
NATIONAL BANK, as Syndication Agent, BANK OF AMERICA, N.A., as Documentation
Agent, and THE BANK OF NEW YORK, as Senior Managing Agent.

                                    RECITALS

         A. The Borrower, the Lenders and the Agent executed and delivered that
certain Loan Agreement dated as of December 17, 1999. Said Loan Agreement, as
heretofore amended, is herein called the "Loan Agreement". Any capitalized term
used in this Amendment and not otherwise defined shall have the meaning
ascribed to it in the Loan Agreement.

         B. The Borrower, the Lenders and the Agent desire to amend the Loan
Agreement in certain respects.

         NOW, THEREFORE, in consideration of the premises and the mutual
agreements, representations and warranties herein set forth, and further good
and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the Borrower, the Lenders and the Agent do hereby agree as
follows:

         SECTION 1. Amendments to Loan Agreement. Effective as of the date
hereof, Section 8.1(vii) of the Loan Agreement is hereby amended to read in its
entirety as follows:

                  (vii) (x) unsecured Indebtedness of Borrower incurred through
         public debt offerings which is outstanding as of March 21, 2003
         (approximately $172,000,000); (y) additional unsecured Indebtedness of
         Borrower in an aggregate amount not to exceed, in the aggregate at any
         one time outstanding, $28,000,000 (to be increased on a
         dollar-for-dollar basis by any repayment of the Indebtedness described
         in the preceding clause (x) so long as at least $100,000,000 of the
         availability for borrowings under clauses (x) and (y) of this provision
         shall used for (or reserved for use for) public debt offerings by
         Borrower); and (z) additional unsecured Indebtedness of Borrower
         incurred through public debt offerings so long as such additional
         Indebtedness shall not exceed, in the aggregate at any one time
         outstanding, $230,000,000; provided that such additional Indebtedness
         shall have with no structured principal amortization and shall have a
         stated maturity later than the Revolving Loan Maturity Date as of the
         date such additional Indebtedness is incurred; and

         SECTION 2. Amendment Fee. No part of this Amendment shall become
effective until the Borrower shall have delivered to the Agent payment to each
Lender executing this Amendment on or prior to March 21, 2003 of a fee of
$5,000.
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         SECTION 3. Ratification. Except as expressly amended by this
Amendment, the Loan Agreement and the other Loan Documents shall remain in full
force and effect. None of the rights, title and interests existing and to exist
under the Loan Agreement are hereby released, diminished or impaired, and the
Borrower hereby reaffirms all covenants, representations and warranties in the
Loan Agreement (except such representations and warranties which are, by their
express terms, limited to a prior date).

         SECTION 4. Expenses. The Borrower shall pay to the Agent all
reasonable fees and expenses of its respective legal counsel (pursuant to
Section 11.3 of the Loan Agreement) incurred in connection with the execution
of this Amendment.

         SECTION 5. Certifications. The Borrower hereby certifies that (a) no
material adverse change in the assets, liabilities, financial condition,
business or affairs of the Borrower has occurred since December 31, 2002 and
(b) no uncured Default or uncured Event of Default has occurred and is
continuing or will occur as a result of this Amendment.

         SECTION 6. Miscellaneous. This Amendment (a) shall be binding upon and
inure to the benefit of the Borrower, the Lenders and the Agent and their
respective successors, assigns, receivers and trustees; (b) may be modified or
amended only by a writing signed by the required parties; (c) shall be governed
by and construed in accordance with the laws of the State of Texas and the
United States of America; (d) may be executed in several counterparts by the
parties hereto on separate counterparts, and each counterpart, when so executed
and delivered, shall constitute an original agreement, and all such separate
counterparts shall constitute but one and the same agreement and (e) together
with the other Loan Documents, embodies the entire agreement and understanding
between the parties with respect to the subject matter hereof and supersedes
all prior agreements, consents and understandings relating to such subject
matter. The headings herein shall be accorded no significance in interpreting
this Amendment.

               NOTICE PURSUANT TO TEX. BUS. & COMM. CODESS.26.02

         THE LOAN AGREEMENT, AS AMENDED BY THIS AMENDMENT, AND ALL OTHER LOAN
DOCUMENTS EXECUTED BY ANY OF THE PARTIES PRIOR HERETO OR SUBSTANTIALLY
CONCURRENTLY HEREWITH CONSTITUTE A WRITTEN LOAN AGREEMENT WHICH REPRESENTS THE
FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF
PRIOR, CONTEMPORANEOUS OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE
NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.

<PAGE>
         IN WITNESS WHEREOF, the Borrower, the Lenders and the Agent have
caused this Amendment to be signed by their respective duly authorized
officers, effective as of the date first above written.

                             HCC INSURANCE HOLDINGS, INC.,
                             a Delaware corporation

                             By: /s/ Edward H. Ellis, Jr.
                                -----------------------------------------------
                             Name:   Edward H. Ellis, Jr.
                                  ---------------------------------------------
                             Title:  Executive Vice President and CFO
                                   --------------------------------------------

<PAGE>

                             WELLS FARGO BANK TEXAS, NATIONAL
                             ASSOCIATION, as Administrative Agent and Lead
                             Arranger and as a Lender

                             By: /s/ Jonathan C. Homeyer
                                -----------------------------------------------
                             Name:   Jonathan C. Homeyer
                                  ---------------------------------------------
                             Title:  Regional V.P.
                                   --------------------------------------------

<PAGE>

                             BANK OF AMERICA, N.A.,
                             as Documentation Agent and as a Lender

                             By: /s/ Leslie Nannan
                                -----------------------------------------------
                             Name:   Leslie Nannan
                                  ---------------------------------------------
                             Title:  Vice President
                                   --------------------------------------------

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                             THE BANK OF NEW YORK,
                             as Senior Managing Agent and as a Lender

                             By: /s/ Lizanne T. Eberle
                                -----------------------------------------------
                             Name:   Lizanne T. Eberle
                                  ---------------------------------------------
                             Title:  Vice President
                                   --------------------------------------------

<PAGE>

                             CITICORP USA

                             By: /s/ David A. Dodge
                                -----------------------------------------------
                             Name:   David A. Dodge
                                  ---------------------------------------------
                             Title:  Managing Director
                                   --------------------------------------------

<PAGE>

                             SOUTHWEST BANK OF TEXAS, N.A.

                             By: /s/ Kenneth C. Gealter
                                -----------------------------------------------
                             Name:   Kenneth C. Gealter
                                  ---------------------------------------------
                             Title:  Vice President
                                   --------------------------------------------

<PAGE>
         The undersigned hereby join in this Amendment to evidence their
consent to execution by Borrower of this Amendment, to confirm that each Loan
Document now or previously executed by the undersigned applies and shall
continue to apply to the Loan Agreement, as amended hereby, to acknowledge that
without such consent and confirmation, Lenders would not execute this Amendment
and to join in the notice pursuant to Tex. Bus. & Comm. Codess.26.02 set forth
above.

                             AVEMCO CORPORATION, a Delaware corporation,
                             LDG REINSURANCE CORPORATION, a
                             Massachusetts corporation, HCC EMPLOYER
                             SERVICES, INC., an Alabama corporation, HCC
                             EMPLOYEE BENEFITS, INC., a Delaware
                             corporation, HCC AVIATION INSURANCE GROUP,
                             INC., a Texas corporation, HCC BENEFITS
                             CORPORATION, a Delaware corporation, HCC
                             RISK MANAGEMENT, CORPORATION, a Texas corporation,
                             HCC INTERMEDIATE HOLDINGS, INC., a Delaware
                             corporation, ASU INTERNATIONAL, INC., a
                             Massachusetts corporation, MARSHALL
                             RATTNER, INC., a New York corporation, HCC
                             EMPLOYER SERVICES, INC., an Illinois
                             corporation, HCC-ASU ACQUISITION SUB, INC.,
                             a Massachusetts corporation, HCC
                             ACQUISITION SUB, INC., a New York
                             corporation

                             By: /s/ Edward H. Ellis, Jr.
                                -----------------------------------------------
                             Name:   Edward H. Ellis, Jr.
                                  ---------------------------------------------
                             Title:  Executive Vice President
                                   --------------------------------------------

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