Document:

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                                                                   EXHIBIT 10.10

       FIRST AMENDMENT AND CONFIRMATION REGARDING STOCK PURCHASE AGREEMENT

         This amendment ("Amendment") is made and entered into on this 9th day
of October, 2000 by and between Mutual Insurance Corporation of America, a
Michigan Mutual Insurance Corporation ("Buyer"), and William B. Cheeseman
("Cheeseman") in order to amend the stock purchase agreement dated August 31,
1999 entered into by and between Buyer, Cheeseman and William J. Gaugier
("Gaugier") a Michigan resident (the "Agreement"). Except as otherwise provided
herein, capitalized terms not expressly defined in this Amendment shall have the
meanings ascribed to them in the Agreement.

                                    RECITALS:

         A. Buyer and Cheeseman entered into the Agreement which provides
for the sale by Cheeseman and Gaugier and purchase by Buyer of the Shares of
capital stock of Stratton-Cheeseman Management Company, Inc., a Michigan
Corporation.

         B. Section 11.11 of the Agreement provides that it may be amended
only by a written agreement executed by the party being charged with the
amendment.

         C. Buyer and Cheeseman desire to amend Section 1.3 of the Agreement
and to confirm actions related to Section 1.3.7 of the agreement.

 NOW THEREFORE, Buyer and Cheeseman agree to amend the Agreement and to confirm
certain matters affecting it as follows:

         1.   Effective as of the date hereof, Section 1.3.5 of the Agreement
              is deleted in its entirety, and Buyer and Cheeseman shall have no
              further rights or obligations under such provisions of the
              Agreement.

         2.   Cheeseman confirms to Buyer that to the extent a Change in
              Control occurs as defined in Section 10.6 of the Agreement due to
              the proposed conversion of Buyer into a stock company, the
              formation of a parent company to hold all of the Buyer's capital
              stock following the conversion and/or the stock offerings to
              policyholders and others, he irrevocably waives any right to
              accelerate payment of the unpaid Annual Payments as a result of
              such Change in Control. Cheeseman further confirms that he makes
              this irrevocable waiver knowingly, willingly, and without any
              compulsion by Buyer, and that Buyer is entitled to rely on it for
              any purpose it deems necessary.

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         3.   Cheeseman and Buyer confirm to one another that his irrevocable
              waiver described in subparagraph 2, above, does not constitute a
              waiver in connection with any change in the board of directors or
              any other Change in Control, or of any other rights either may
              have under the Agreement.

         4.   Except as amended herein, all other terms, covenants and
              conditions of the Agreement are hereby ratified and confirmed and
              shall remain in full force and effect.

         IN WITNESS WHEREOF, Buyer and Cheeseman have executed this Amendment on
the day and year first above written.

WITNESS:                                 BUYER:

                                         MUTUAL INSURANCE
                                         CORPORATION OF AMERICA, a
                                         Michigan Mutual Insurance Company

  /s/Gloria M. Kokic                     BY:  /s/Monte Jahnke
-----------------------                      ----------------

                                         ITS:    Secretary
                                              ------------

WITNESS:                                 CHEESEMAN:

  /s/Karen I. Guiles                      /s/William B. Cheeseman
-----------------------                  -----------------------
                                         WILLIAM B. CHEESEMAN<PAGE>   1
                                                                   EXHIBIT 10.11

                                     MICOA
                                AGENCY AGREEMENT

         Mutual Insurance Corporation of America, a Michigan insurance
corporation (MICOA) and Stratton, Cheeseman & Walsh-Nevada, Inc., a Nevada
corporation, ("Agency"), (sometimes commonly referred to as the Parties) agree
as follows:

A.       AUTHORITY OF AGENCY

         Subject to requirements imposed by law, the underwriting rules,
         procedures and regulations of MICOA and this agreement, the Agency is
         authorized to:

         1.   Solicit  within  the  State  of  Nevada,   receive  and  transmit
              immediately  and  directly  to MICOA,  proposals  for health care
              liability insurance contracts for which a commission is specified
              in the schedule of  commissions  provided by Exhibit A,  attached
              and as amended or supplemented by such  attachments  from time to
              time.

         2.   Produce and deliver certificates of insurance and written binders
              in accordance with MICOA underwriting requirements. The Agency is
              not  authorized  to  accept  or bind  any  risk  or to  otherwise
              obligate MICOA without specific authority from MICOA.

         3.   Provide  all usual  and  customary  services  of an Agency on all
              policies placed with MICOA subject to the following:

              a.   MICOA will not be responsible for Agency expenses  including
                   but not limited to rent,  transportation,  employee  hire or
                   solicitor's    fees,    postage,    telegrams,    telephone,
                   advertising,  licensing  fees or any other  Agency  expenses
                   whatsoever.

              b.   The Agency will not undertake or initiate advertising of any
                   nature in connection  with  business or policies  related to
                   MICOA without the approval of MICOA.

         4.   To promptly  report all claims and losses of which the Agency has
              knowledge  and  properly  notify  MICOA when the Agency  receives
              notice of the  commencement  of any related legal action.  Agency
              shall refrain from admitting or denying  liability on the part of
              the company in connection with any claim or lawsuit.

         5.   In return  for the  exclusive  appointment  of Agency by MICOA to
              sell its professional  liability  products listed on the attached
              Commission Schedule

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              in Nevada,  Agency agrees not to sell any  competing  professional
              liability  products  in Nevada,  without  the  written  consent of
              MICOA.  Provided that, if a particular  risk has been submitted to
              MICOA and MICOA has  declined  that risk,  then  Agency may search
              appropriate markets for placement of that risk, and may place that
              risk with another insurance company.

         6.   Designated Agent  representatives upon request from MICOA will be
              expected to participate  in MICOA's Nevada Market  Managers Group
              activities and to attend all scheduled meetings.

         7.   MICOA  will  share on a project  basis  development  costs of all
              promotional  materials  and some  advertising  costs  related  to
              Nevada sales,  provided that all such expenditures or budgets for
              them are approved by MICOA in writing in advance.

         8.   Agency  may  solicit  subagencies  for  appointment,  subject  to
              MICOA's  prior  written  approval  of  each  subagency  following
              disclosure  to and review by MICOA of  information  requested  by
              MICOA for each proposed subagency. All such appointments by Agent
              shall  stipulate  that MICOA may  terminate  the subagency at any
              time  without  cause  upon at least 90 days  notice  and that the
              subagency  shall  comply with all MICOA  requirements  and duties
              owed MICOA by Agency concerning solicitation, communications, and
              service to insureds. Subagencies shall also be required to submit
              all proposals immediately and directly to MICOA.

     B.  MICOA BILLED POLICIES

         For business subject to Exhibit A, placed with and billed by MICOA
         directly to the policyholder, the following shall apply in addition to
         all the other provisions of this agreement:

         1.   The  processing  and  submittal  of all  such  business  shall be
              subject to provisions  outlined in MICOA's  written  requirements
              and forms as they may be implemented by MICOA from time to time;

         2.   Commissions  on  premiums  shall be paid to the Agency  within 15
              business  days of the month in which such  premiums  are received
              and  recorded  by MICOA,  subject  to  deduction  by MICOA of any
              return commissions due from the Agency.

         3.   Except as  provided  in  Section D or  unless  authorized  by the
              Agency,  MICOA or its  affiliates  shall not use its  records  of
              business  placed by the Agency  with MICOA to solicit  individual
              policyholders for the sale of other lines of

                                      -2-

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              insurance or other  products or services.  When the Agency  grants
              such authorization, Agency shall be paid the applicable commission
              on such sales,  provided an appropriate agreement is in place with
              MICOA.

         4.   If this  agreement is  terminated,  MICOA shall,  at the Agency's
              request,  provide the Agency with a list of existing MICOA-billed
              policies placed by the Agency including their expiration dates.

         5.   The Agency's name shall appear on all policies,  premium notices,
              and  cancellation  notices to  policyholders.  Copies of all such
              items sent to  policyholders  shall be  provided  by MICOA to the
              Agency.

     C.  POLICY CANCELLATION

         Cancellation of any policy in force, when requested in writing by the
         insured, will be honored by MICOA, except for those MICOA is not
         otherwise permitted to cancel.

     D.  EXPIRATIONS

         1.   In the event this Agreement is terminated  for any reason,  MICOA
              agrees to  purchase  from  Agency,  and Agency  agrees to sell to
              MICOA  Agency's  ownership  interest in the  expirations  for the
              MICOA insurance  issued pursuant to this Agreement.  The purchase
              price  shall  be  two  times  Agency's  commissions  on  business
              produced  directly  by  Agency  during  the  last 12 full  months
              preceding the  termination  date. The purchase shall be completed
              within 60 calendar days after the termination date. In return for
              this payment,  for a two-year  period  following the  termination
              date,   Agency  will  not   directly  or   indirectly   sell  any
              professional  liability  insurance to any individuals or entities
              who were MICOA  insureds in Nevada at the time of  termination of
              this Agreement.

         2.   If Agency  enters  into a  subagency  agreement  under  which the
              subagency  has the right to retain  ownership of  expirations  on
              business  produced  by  the  subagency,   then  the  purchase  of
              expirations  under  subparagraph  1 above  will not  include  the
              purchase of those subagency  expirations,  and the purchase price
              paid to Agency  will not include  the  commissions  paid for such
              business produced by the subagency.

                                      -3-

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     E.  AGENCY'S  ERRORS  AND  OMISSION,   AND  FIDELITY  &  ELECTRONIC  CRIME
         INSURANCE

         The Agency will  maintain  valid errors and omissions  insurance,  with
         minimum  limits  of  $1,000,000  per  incident,   and  a  fidelity  and
         electronic crime policy through an insurer, both of which shall contain
         terms and limits of coverage  acceptable to MICOA covering the Agency's
         solicitors and each of its employees.  The Agency shall provide MICOA a
         copy of each policy; doing so on a regular and current basis shall be a
         precondition to all of Agency's rights under this Agreement,  including
         but not limited to the payment of all earned commissions.

     F.  TERMINATION OF AGREEMENT

         1.   This agreement shall terminate:

              a.   Automatically if any public authority cancels or declines to
                   renew the Agency's license or Certificate of Authority.

              b.   Immediately if either party gives detailed written notice to
                   the other of alleged gross and willful misconduct,  fraud or
                   material misrepresentation.

         2.   This Agreement shall terminate,  subject to any automatic renewal
              or extension  for one year as required by law,  upon either party
              giving at least one hundred  twenty  (120) days  advance  written
              notice to the other, if not otherwise  contrary to applicable law
              or this Agreement.

         3.   If the Agency is  delinquent  in either  accounting or payment of
              monies  due  MICOA,  MICOA may by  written  notice to the  Agency
              immediately terminate, suspend or modify any of the provisions of
              this  agreement.  Such  action  shall not be taken by MICOA  over
              minor differences between the records of the Agency and MICOA.

         4.   All supplies, including forms and policies furnished by MICOA and
              any  copies or other  reproductions  of them,  shall  remain  the
              property  of  MICOA  and  shall  be  returned  to  MICOA  or  its
              representative upon demand.

     G.  INDEMNIFICATION

         The respective  parties shall indemnify and hold one another  harmless
         as follows:

                                      -4-

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         1.   MICOA shall indemnify and hold Agency harmless  against any MICOA
              act or  omission,  except to the extent  the  Agency has  caused,
              compounded, or contributed to such error.

         2.   Agency shall indemnify and hold Agency  harmless  against any act
              or omission of the Agency, except to the extent MICOA has caused,
              compounded, or contributed to such error.

         3.   The Agency and MICOA  shall  properly  notify  one  another  upon
              receiving  notice of the  commencement  of any action  related to
              such  liabilities.  MICOA shall be entitled to participate in any
              such  action or in  consultation  with  Agency and its carrier to
              assume  the  defense of any such  action.  If MICOA  assumes  the
              defense of any such action,  it shall not be liable to the Agency
              for any  legal or other  expenses  subsequently  incurred  on the
              Agency's behalf absent MICOA's advance approval of such expenses.

         4.   Neither  party  shall,  except  at  its  own  risk  and  expense,
              voluntarily  assume any liability,  make any payment or incur any
              expense without the prior written consent of the other.

     H.  POTENTIAL OPPORTUNITIES

         1.   Other Programs. Agency and MICOA agree that Agency may be offered
              the opportunity to support MICOA's workers' compensation, and its
              other nonphysician  professional liability or product programs in
              Nevada when MICOA  proceeds with related  marketing  plans.  Such
              plans may also  include  Agency's  involvement  in sales of MICOA
              commercial and personal products.  Appropriate agreements must be
              negotiated  separately from this agreement for each such product,
              and for each such territory, including but not limited to Nevada.

         2.   Territory. Agency and MICOA further agree to consider, subject to
              successful  negotiation of appropriate  agreements  separate from
              this  agreement,  expansion of Agencies'  sales  territories  for
              MICOA beyond Nevada.

     I.  MISCELLANEOUS

         1.   Amendment.  This  agreement  may be  amended  only in  writing by
              mutual  agreement  of the Agency and MICOA,  except that  MICOA's
              name herein shall be deemed changed automatically for purposes of
              this  agreement  without  written  amendment upon approval of any
              such change by MICOA's domiciliary regulator.

         2.   Non Waiver.  Any failure by MICOA to insist upon  compliance with
              any provisions of this Agreement or of the rules and  regulations
              of MICOA shall not be construed as or constitute a waiver of them
              by MICOA.

                                      -5-

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         3.   Integrated  Agreement.  This  Agreement  and its  attachments  as
              modified  from time to time  supersedes  and  replaces  as of its
              effective date, all previous  agreements,  if any,  between MICOA
              and the Agency.  There are other agreements between MICOA and the
              Agency's parent corporation, SC&W, which are not superceded.

         4.   Independent  Contractor.  The Agency is an independent  insurance
              Agency and independent contractor, and not an employee,  manager,
              officer or owner of MICOA.

         5.   Applicable  Law. This Agreement  shall be  interpreted  under the
              laws of the State of Nevada.  Any provisions of this Agreement or
              any  amendments to the  Agreement  that are or become in conflict
              with any applicable statutes or regulations shall be deemed to be
              amended to conform to those statutes or regulations.

         6.   Counterparts.  This  Agreement  and any  Exhibits  which  require
              signatures may be executed in  counterparts  which shall together
              be regarded as binding upon the Parties.

         7.   Authority.  The persons  signing below represent and warrant that
              they  are  duly  authorized  representatives  of  the  respective
              Parties, fully willing and able to execute this Agreement.

         8.   Assignment.  MICOA  may  assign  this  Agreement  to its  parent,
              affiliate,  or subsidiary  corporations who are licensed insurers
              upon  written  notice  to  Agency.  Agency  may not  assign  this
              Agreement  without  the  written   permission  of  MICOA  or  its
              successors or assigns.

         9.   Resolution of Disputes.  In the event of any dispute  arising out
              of this Agreement,  MICOA and Agency agree to submit such dispute
              to arbitration as follows:

              a.   There shall be three  arbitrators;  one shall be selected by
                   the  Agency,  one shall be  selected  by MICOA,  and a third
                   shall be  selected  by  those  two  arbitrators.  If the two
                   arbitrators  cannot  agree  on  the  selection  of a  third,
                   American Arbitration  Association's  regional office closest
                   to Agency's  main office  shall be  requested to appoint the
                   third arbitrator.

              b.   The  determination  of the  arbitrators  shall be final  and
                   binding upon the Agency and MICOA

              c.   Neither  MICOA nor the Agency  shall be entitled to punitive
                   and/or exemplary damages.

                                      -6-

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              d.   The arbitration shall be conducted in accordance with the
                   procedures of the above referenced regional office of the
                   American Arbitration Association. The Agency and MICOA shall
                   pay the cost of their arbitrator and share equally in the
                   expense of the third arbitrator.

              e.   Either Party, may where permitted by the law of Nevada, enter
                   judgment upon the arbitrators' award.

         10.  Year 2000 Compliance. Agency must at times assure that any of its
              computers, data processing systems, software components, and
              network arrangements use for MICOA  business completely and
              accurately, present, produce, store and calculate all dates after
              December 31, 1999; and that they will not produce abnormally
              ending or incorrect results involving such dates as used in any
              forward or regression data based functions. All such items must
              yield date-related functionalities and date fields which
              accurately indicate the century and millennium and correctly
              perform all calculations involving a four digit year field.

Signed and effective this 25th day of May, 1999.

                                     AGENCY

                                     By:   /s/ Terrence L. Walsh
                                         ---------------------------------

                                     Its:  President
                                         ---------------------------------
                                     MICOA

                                     By:  /s/ Thomas C. Payne, M.D.
                                        ---------------------------------
                                         Thomas C. Payne, M.D.
                                         Secretary/Treasurer

                                      -7-

<PAGE>   8

                                   EXHIBIT A

                                AGENCY AGREEMENT
                   SCHEDULE OF COMMISSIONS AND WRITTEN PREMIUM
                     --------------------------------------

         New Business Policies:             12% of the annual premium

         Renewal Policies:                  12% of the annual premium

         Appointed agents who are not a party to a current MICOA agency contract
         and/or are not affiliated with an agency which has an agency contract
         will receive a 1% commission rate for all lines of business stated
         above.

         Commission will decrease by .5% effective 10-1-99 as part of a
         repayment program under a project memorandum dated 4-7-99. This
         decrease will stay in effect until SC&W reaches $10MM in premium or at
         a maximum of 10 years.

                                      -8-

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