Document:

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EXHIBIT 10(X)
                               SEVERANCE AGREEMENT
                                     BETWEEN
                           FPIC INSURANCE GROUP, INC.
                                       AND
                               CHARLES DIVITA III

         THIS AGREEMENT, effective as of the 19th day of June, 2000, is between
FPIC Insurance Group, Inc., a Florida corporation (the "Company"), and Charles
Divita III, an individual (the "Officer").

                               W I T N E S E T H:

         WHEREAS, the Officer is a valuable employee of the Company and an
integral part of its management; and

         WHEREAS, the Company wishes to encourage the Officer to continue his
career and services with the Company for the period during and after an actual
or threatened Change in Control (as hereinafter defined);

         NOW THEREFORE, it is hereby agreed by and between the parties hereto as
follows:

         1. Definitions.

                  a. "Board" shall mean the Board of Directors of the Company.

                  b. "Cause" shall mean the Officer's fraud or dishonesty that
         has resulted or is likely to result in material economic damage to the
         Company, or the Officer's willful nonfeasance if such nonfeasance is
         not cured within ten days of written notice from the Company, as
         determined in good faith by a vote of at least two-thirds of the
         non-employee directors of the Company at a meeting of the Board at
         which the Officer is provided an opportunity to be heard.

                  c. "Change in Control" shall mean the earlier of the following
         events:

                           (i) either (A) receipt by the Company of a report on
                  Schedule 13D, or an amendment to such a report, filed with the
                  Securities and Exchange Commission pursuant to Section 13(d)
                  of the Securities Exchange Act of 1934 (the "1934 Act"),
                  disclosing that any person (as such term is used in Section
                  13(d) of the 1934 Act) ("Person"), is the beneficial owner,
                  directly or indirectly, of twenty-five percent or more of the
                  outstanding stock of the Company, or (B) actual knowledge by
                  the Company of facts on the basis of which any Person is
                  required to file such a report on Schedule 13D, or to file an
                  amendment to such a report, with the SEC (or would be required
                  to file such a report or amendment upon the lapse of the
                  applicable period of time specified in Section 13(d) of the
                  1934 Act) disclosing that such Person is the beneficial owner,
                  directly or indirectly, of twenty-five percent or more of the
                  outstanding stock of the Company;

                           (ii) the purchase by any Person, other than the
                  Company or a wholly owned subsidiary of the Company, of shares
                  pursuant to a tender or exchange offer to acquire any stock of
                  the Company (or securities convertible into stock) for cash,
                  securities or any other consideration provided that, after
                  consummation of the offer, such Person is the beneficial owner
                  (as defined in Rule 13d-3 under the 1934 Act regardless of
                  whether the Company or such Person would otherwise be subject
                  to the 1934 Act), directly or indirectly, of twenty-five
                  percent or more of the outstanding stock of the Company
<PAGE>

                  (calculated as provided in paragraph (d) of Rule 13d-3 under
                  the 1934 Act in the case of rights to acquire stock regardless
                  of whether the Company or such Person would otherwise be
                  subject to the 1934 Act);

                           (iii) either (A) the filing by any Person acquiring,
                  directly or indirectly, twenty-five percent or more of the
                  outstanding stock of the Company of a statement with the
                  Florida Department of Insurance pursuant to Section 628.461 of
                  Florida Statutes or a successor statutory provision, or (B)
                  actual knowledge by the Company of facts on the basis of which
                  any Person acquiring, directly or indirectly, twenty-five
                  percent or more of the outstanding stock of the Company or a
                  controlling company is required to file such a statement
                  pursuant to Section 628.461 of Florida Statutes or a successor
                  provision.

                           (iv) (A) any consolidation or merger of the Company
                  in which the Company is not the continuing or surviving
                  corporation or pursuant to which shares of stock of the
                  Company would be converted into cash, securities or other
                  property, other than a consolidation or merger of the Company
                  in which holders of its stock immediately prior to the
                  consolidation or merger have substantially the same
                  proportionate ownership of common stock of the surviving
                  corporation immediately after the consolidation or merger as
                  immediately before, or (B) any consolidation or merger in
                  which the Company is the continuing or surviving corporation
                  but in which the common shareholders of the Company
                  immediately prior to the consolidation or merger do not hold
                  at least a majority of the outstanding common stock of the
                  continuing or surviving corporation (except where such holders
                  of common stock hold at least a majority of the common stock
                  of the corporation that owns all of the common stock of the
                  Company), or (C) any sale, lease, exchange or other transfer
                  (in one transaction or a series of related transactions) of
                  all or substantially all the assets of the Company, or (D) any
                  merger or consolidation of the Company where, after the merger
                  or consolidation, one Person owns 100% of the shares of stock
                  of the Company (except where the holders of the Company's
                  common stock immediately prior to such merger or consolidation
                  own at least 90% of the outstanding stock of such Person
                  immediately after such merger or consolidation); or

                           (v) a change in the majority of the members of the
                  Board within a 24-month period unless the election or
                  nomination for election by the Company's shareholders of each
                  new director was approved by the vote of at least two-thirds
                  of the directors then still in office who were in office at
                  the beginning of the 24-month period.

                  d. "Code" shall mean the Internal Revenue Code of 1986, as
         amended.

                  e. "Constructive Discharge" shall mean any (i) material change
         by the Company of the Officer's position, functions, or duties to an
         inferior position, functions, or duties from that in effect on the date
         of this Agreement or (ii) assignment or reassignment by the Company of
         the Officer without the Officer's consent to another place of
         employment more than 50 miles from the Officer's current place of
         employment.

                  f. "Coverage Period" shall mean the period beginning June 19,
         2000 and ending June 18, 2002.

         2.       Term.

         This Agreement shall be effective during the Coverage Period and shall
terminate upon the termination thereof.

         3.       Severance Benefit.

                  a. If at any time during the Coverage Period the Officer's
employment is terminated by the Company for any reason other than Cause, death
or disability, then the Company shall

<PAGE>

thereafter continue to pay to the Officer his then base salary for an additional
twelve month period, payable in the same manner as prior to his termination of
employment. In the event that during the Coverage Period a Constructive
Discharge occurs following a Change of Control, the Officer shall have the right
for a three month period following such Constructive Discharge to terminate his
employment with the Company by providing not less than 90 days written notice
thereof (specifying the event relied upon for the Constructive Discharge) to the
Company (which notice period may be shortened by the Company at any time in its
discretion resulting in an earlier termination date) and following such
termination the Company shall thereafter continue to pay to the Officer his then
base salary for an additional twelve month period, payable in the same manner as
prior to his termination of employment. In the event of the termination of the
Officer's employment as provided in this paragraph 3(a), the Officer shall be
100% vested in all stock options held by the Officer. The Officer's termination
of employment with the Company to become an employee of a corporation that owns
100% of the Company shall not be considered a termination of employment for
purposes of this Agreement. The subsequent termination of the Officer's
employment from such corporation shall be considered a termination of employment
for purposes of this Agreement.

                  b. The Company and the Officer, upon mutual written agreement,
may waive any of the provisions in paragraph 1(e) that would otherwise
constitute a Constructive Discharge. Within ten days of receiving such written
notice from Officer, the Company may cure the event that constitutes a
Constructive Discharge.

                  c. In the event of any termination of the Officer's employment
described in paragraph 3(a), the Officer shall be under no obligation to seek
other employment, and there shall be no offset against amounts due the Officer
under this Agreement on account of any remuneration attributable to any
subsequent employment.

         4.       Source of Payments.

         All payments provided for in paragraph 3 above shall be paid in cash
from the general funds of the Company; provided, however, that such payments
shall be reduced by the amount of any payments made to the Officer or his
dependents, beneficiaries or estate from any trust or special or separate fund
established by the Company to assure such payments. The Company shall not be
required to establish a special or separate fund or other segregation of assets
to assure such payments, and, if the Company shall make any investments to aid
it in meeting its obligations hereunder, the Officer shall have no right, title
or interest whatever in or to any such investments except as may otherwise be
expressly provided in a separate written instrument relating to such
investments. Nothing contained in this Agreement, and no action taken pursuant
to its provisions, shall create or be construed to create a trust of any kind,
or a fiduciary relationship between the Company and the Officer or any other
person. To the extent that any person acquires a right to receive payments from
the Company pursuant to this Agreement, such right shall be no greater than the
right of an unsecured creditor of the Company.

         5.       Mediation and Arbitration.

         Any dispute or controversy arising out of or in relation to this
Agreement shall first be submitted to mediation in the City of Jacksonville,
Florida in accordance with the Commercial Mediation Rules of the American
Arbitration Association. If mediation fails to resolve such dispute or
controversy, then such dispute or controversy shall be determined and settled by
arbitration in the City of Jacksonville, Florida, in accordance with the
Commercial Arbitration Rules of the American Arbitration Association then in
effect, and judgment upon the award rendered by the arbitrator may be entered in
any court of competent jurisdiction. The parties hereto agree to use good faith
efforts to select a mediator and, if mediation fails to resolve such dispute or
controversy, an arbitrator. If the parties cannot agree upon a mediator or
arbitrator, such mediator or arbitrator shall be selected in accordance with the
relevant Commercial Rules of the American Arbitration Association then in
effect. Whenever any action is required to be taken under this Agreement within
a specified period of time and the taking of such action is materially affected
by a matter submitted to mediation or arbitration, such period shall
automatically be extended by the number of days plus ten that are taken for the
determination of that matter by the parties through mediation or otherwise by
the arbitrator.
<PAGE>

         6.       Income Tax Withholding.

         The Company may withhold from any payments made under this Agreement
all federal, state or other taxes as shall be required pursuant to any law or
governmental regulation or ruling.

         7.       Entire Understanding.

         This Agreement contains the entire understanding between the Company
and the Officer with respect to the subject matter hereof and supersedes any
prior agreements or understandings between the Company and the Officer with
respect thereto.

         8.       Severability.

         If, for any reason, any one or more of the provisions or part of a
provision contained in this Agreement shall be held by a court of competent
jurisdiction to be invalid, illegal or unenforceable in any respect, such
invalidity, illegality or unenforceability shall not affect any other provision
or part of a provision of this Agreement not held so invalid, illegal or
unenforceable, and each other provision or part of a provision shall to the full
extent consistent with law continue in full force and effect.

         9.       Consolidation, Merger, or Sale of Assets.

                  If the Company consolidates or merges into or with, or
transfers all or substantially all of its assets to, another corporation, the
term "Company" as used herein shall mean such other corporation and this
Agreement shall continue in full force and effect.

         10.      Notices.

         All notices, requests, demands and other communications required or
permitted hereunder shall be given in writing and shall be deemed to have been
duly given if hand delivered or mailed, postage prepaid, certified or
registered, first class as follows:

         a.       to the Company:

                  FPIC Insurance Group, Inc.
                  Attention:  Chief Executive Officer
                  225 Water Street, Suite 1400
                  Jacksonville, Florida 32202

         b.       to the Officer:

                  Charles Divita III
                  282 Edgewater Branch Drive
                  Jacksonville, Florida 32259

or to such other address as either party shall have previously specified in
writing to the other.

         11.      No Attachment.

         Except as required by law, no right to receive payments under this
Agreement shall be subject to anticipation, commutation, alienation, sale,
assignment, encumbrance, charge, pledge or hypothecation or to execution,
attachment, levy or similar process or assignment by operation of law, and any
attempt, voluntary or involuntary, to effect any such action shall be null, void
and of no effect.
<PAGE>

         12.      Binding Agreement.

         This Agreement shall be binding upon, and shall inure to the benefit
of, the Officer and the Company and their respective permitted successors and
assigns.

         13.      Modification and Waiver.

         This Agreement may not be modified or amended except by an instrument
in writing signed by the parties hereto. No term or condition of this Agreement
shall be deemed to have been waived, nor shall there be any estoppel against the
enforcement of any provision of this Agreement except by written instrument
signed by the party charged with such waiver or estoppel. No such written waiver
shall be deemed a continuing waiver unless specifically stated therein, and each
such waiver shall operate only as to the specific term or condition waived and
shall not constitute a waiver of such term or condition for the future or as to
any act other than that specifically waived.

         14.      Headings of No Effect.

         The paragraph headings contained in this Agreement are included solely
for convenience of reference and shall not in any way affect the meaning or
interpretation of any of the provisions of this Agreement.

         15.      Governing Law.

         This Agreement and its validity, interpretation, performance, and
enforcement shall be governed by the laws of the State of Florida without giving
effect to the choice of law provisions in effect in such State.

         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed as of the date first above written.

                                             FPIC INSURANCE GROUP, INC.

                                             By:
                                                -------------------------------
                                                      William R. Russell

                                                -------------------------------
                                                      Charles Divita III<PAGE>

EXHIBIT 10(Y)
                            INDEMNIFICATION AGREEMENT

         This Indemnification Agreement (the "Agreement"), made as of July 15,
2000, by and between FPIC INSURANCE GROUP, INC., a Florida corporation (the
"Company"), and GARY M. DALLERO, an officer of the Company (the "Indemnitee").

                          W I T N E S S E T H  T H A T:

         WHEREAS, the Company desires to retain and attract as directors and
officers the most capable persons available; and

         WHEREAS, the Company and Indemnitee recognize that Indemnitee is unable
to acquire adequate or reliable advance knowledge or guidance with respect to
the legal risks and potential civil liabilities to which he may become
personally exposed as a result of performing his duties in good faith for the
Company; and

         WHEREAS, the Company and Indemnitee recognize that the cost of
defending against such lawsuits, whether or not meritorious, is typically beyond
the financial resources of most individuals; and

         WHEREAS, the Articles of Incorporation and Bylaws of the Company permit
the Company to indemnify its officers and directors to the fullest extent
permitted by law; and

         WHEREAS, Section 607.0850 of the Florida Statutes sets forth certain
provisions relating to the indemnification of officers and directors of a
Florida corporation by such corporation; and

         WHEREAS, the Company desires to have Indemnitee continue to serve as an
officer and/or director of the Company free from any undue concern, from
unpredictable, inappropriate or unreasonable civil risks and personal civil
liabilities, by reason of acting in good faith in the performance of his duties
to the Company and Indemnitee desires to continue to serve as an officer and/or
director of the Company; provided, on the express condition, that he is
furnished with the indemnity set forth herein;

         NOW, THEREFORE, in consideration of the mutual covenants and agreements
below and based on the premises set forth above, the Company and Indemnitee do
hereby agree as follows:

         1.       DEFINITIONS.  As used in the Agreement:

         (a) The term "Proceeding" shall include any threatened, pending or
         completed action, suit or proceeding, whether brought in the name of
         the Company or otherwise and whether of civil, administrative or
         investigative nature, including, but not limited to, actions, suits, or
         proceedings brought under and/or predicated upon the Securities Act of
         1933, as amended, and/or the Securities Exchange Act of 1934, as
         amended, and/or their respective state counterparts and/or any rule or
         regulation promulgated thereunder, in which Indemnitee may be or may
         have been involved as a party or otherwise, by reason of any action
         taken by his or any inaction on his part while acting as such director
         and/or officer or by reason of the fact that he is or was serving at
         the request of the Company as a director, officer, employee or agent of
         another corporation, partnership, joint venture, trust or other
         enterprise, whether or not he is serving in such capacity at the time
         any liability or expense is incurred for which indemnification or
         reimbursement can be provided under this Agreement. The term
         "Proceeding" shall not include any criminal action or proceeding.

         (b) The term "Expenses" includes, without limitation thereto, expenses
         of investigations, judicial or administrative proceedings or appeals,
         amounts paid in settlement by or on behalf of Indemnitee, attorneys'
         fees and disbursements and any expenses of establishing a right to
         indemnification under Paragraph 7 of this Agreement, but shall not
         include the amount of

<PAGE>

         judgments, fines or penalties actually levied against Indemnitee and
         shall not include any Expenses incurred in connection with any criminal
         Proceeding.

         (c) References to "other enterprise" shall include employee benefit
         plans; references to "fines" shall include an excise tax assessed with
         respect to any employee benefit plan; references to "serving at the
         request of the Company" shall include any service as a director,
         officer, employee or agent of the Company which imposes duties on, or
         involves services by, such director, officer, employee, or agent with
         respect to an employee benefit plan, its participants, or
         beneficiaries; references to "employee benefit plans" shall include,
         and not be limited to, stock option plans, stock award plans, stock
         purchase plans, 401(k) plans, pension plans, health and welfare plans,
         and retirement plans; and a person who acts in good faith and in a
         manner he reasonably believes to be in the interest of the participants
         and beneficiaries of an employee benefit plan shall be deemed to have
         acted in a manner "not opposed to the best interests of the Company" as
         referred to in this Agreement.

         2. AGREEMENT TO SERVE. Indemnitee agrees to serve or continue to serve
as a director and/or officer of the Company at the will of the Company or under
separate contract, as the case may be, for so long as he is duly elected or
appointed or until such time as he tenders his resignation in writing.

         3. INDEMNITY IN THIRD PARTY PROCEEDINGS. The Company shall indemnify
Indemnitee in accordance with the provisions of this section if Indemnitee is a
party to or threatened to be made a party to or otherwise involved in any
Proceeding (other than a Proceeding by or in the name of the Company to procure
a judgment in its favor), by reason of the fact that Indemnitee is or was a
director and/or officer of the Company or is or was serving at the request of
the Company as a director, officer, employee or agent of another corporation,
partnership, joint venture, trust or other enterprise, against all Expenses,
judgments, fines and penalties, actually and reasonably incurred by Indemnitee
in connection with the defense or settlement of such Proceeding, provided it is
determined pursuant to Paragraph 7 of this Agreement or by the court before
which such action was brought, that Indemnitee acted in good faith and in a
manner which he reasonably believed to be in good faith and in a manner he
believed to be in or not opposed to the best interests of the Company.

         4. INDEMNITY IN PROCEEDINGS BY OR IN THE NAME OF THE COMPANY. The
Company shall indemnify Indemnitee in accordance with the provisions of this
section if Indemnitee is a party to or threatened to be made a party to or
otherwise involved in any Proceeding by or in the name of the Company to procure
a judgment in its favor by reason of the fact that Indemnitee was or is a
director and/or officer of the Company or is or was serving at the request of
the Company as a director, officer, employee or agent of another corporation,
partnership, joint venture, trust or other enterprise against all Expenses
actually and reasonably incurred by Indemnitee in connection with the defense or
settlement of such Proceeding, but only if he acted in good faith and in a
manner which he reasonably believed to be in or not opposed to the best
interests of the Company, except that no indemnification for Expenses shall be
made under this Paragraph 4 in respect of any claim, issue or matter as to which
Indemnitee shall have been adjudged to be liable to the Company, unless and only
to the extent that any court in which such Proceeding is brought shall determine
upon application that, despite the adjudication of liability but in view of all
the circumstances of the case, Indemnitee is fairly and reasonably entitled to
indemnity for such expenses as such court shall deem proper.

         5. INDEMNIFICATION OF EXPENSES OF SUCCESSFUL PARTY. Notwithstanding any
other provisions of this Agreement, to the extent that Indemnitee has been
successful on the merits or otherwise, in defense of any Proceeding or in
defense of any claim, issue or matter therein, including the dismissal of an
action without prejudice, Indemnitee shall be indemnified against all Expenses
incurred in connection therewith.

         6. ADVANCES OF EXPENSES. The Expenses incurred by Indemnitee pursuant
to Paragraphs 3 and 4 in any Proceeding shall be paid by the Company in advance
at the written request of Indemnitee, if Indemnitee shall undertake to repay
such amount to the extent that it is ultimately determined that Indemnitee is
not entitled to indemnification.
<PAGE>

         7. RIGHT OF INDEMNITEE TO INDEMNIFICATION UPON APPLICATION; PROCEDURE
UPON APPLICATION. Any indemnification or advance under Paragraphs 3, 4, and/or 6
hereof shall be made no later than 45 days after receipt of the written request
of Indemnitee, unless a determination is made within such 45 day period by (a)
the Board of Directors of the Company by a majority vote of a quorum thereof
consisting of directors who were not parties to such Proceedings, or (b)
independent legal counsel in a written opinion (which counsel shall be appointed
if such a quorum is not obtainable), that Indemnitee has not met the relevant
standards for indemnification set forth in Paragraphs 3 and 4.

         The right to indemnification or advances as provided by this Agreement
shall be enforceable by Indemnitee in any court of competent jurisdiction. The
burden of proving that indemnification or advances are not appropriate shall be
on the Company. Neither the failure of the Company (including its Board of
Directors or independent legal counsel) to have made a determination prior to
the commencement of such action that indemnification or advances are proper in
the circumstances because Indemnitee has met the applicable standard of conduct,
nor an actual determination by the Company (including its Board of Directors or
independent legal counsel) that Indemnitee has met such applicable standard of
conduct, shall be a defense to the action or create a presumption that
Indemnitee has not met the applicable standard of conduct. Indemnitee's Expenses
incurred in connection with successfully establishing his right to
indemnification or advances, in whole or in part, in any such Proceeding shall
also be indemnified by the Company.

         8. INDEMNIFICATION HEREUNDER NOT EXCLUSIVE. The indemnification
provided by this Agreement shall not be deemed exclusive of any other rights to
which Indemnitee may be entitled under the Company's Articles of Incorporation,
Bylaws, or another capacity while holding such office. The indemnification under
this Agreement shall continue as to Indemnitee even though he may have ceased to
be a director and/or officer of the Company and shall inure to the benefit of
the heirs and personal representatives of Indemnitee.

         9. PARTIAL INDEMNIFICATION. If Indemnitee is entitled under any
provision of this Agreement to indemnification by the Company for some or a
portion of the Expenses, judgments, fines or penalties actually and reasonably
incurred by his in the investigation, defense, appeal or settlement of any
Proceeding but not, however, for the total amount thereof, the Company shall
nevertheless indemnify Indemnitee for the portion of such Expenses, judgments,
fines or penalties to which Indemnitee is entitled.

         10. PRESUMPTION OF INDEMNIFICATION. For purposes of this Agreement,
determination of any Proceeding, suit or proceeding by any means shall not
create a presumption that Indemnitee did not meet any particular standard of
conduct; act in the best interests of the Company; have any particular belief;
or that a court has determined that indemnification is not permitted by
applicable law.

         11. LIABILITY INSURANCE. To the extent that Company maintains an
insurance policy or policies providing directors' and officers' liability
insurance, Indemnitee shall be covered by such policy or policies, in accordance
with its or their terms, to the maximum extent of the coverage available for any
director and/or officer of the Company.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed
as of the date first above written.

                                   FPIC INSURANCE GROUP, INC.
                                   By
                                     -----------------------------------------
                                        John R. Byers, President and Chief
                                        Executive Officer

                                   INDEMNITEE:
                                   By
                                     -----------------------------------------
                                        Gary M. Dallero

<PAGE>

EXHIBIT 10(Y)
                            INDEMNIFICATION AGREEMENT

         This Indemnification Agreement (the "Agreement"), made as of July 15,
2000, by and between FPIC INSURANCE GROUP, INC., a Florida corporation (the
"Company"), and CHARLES DIVITA III, an officer of the Company (the
"Indemnitee").

                          W I T N E S S E T H   T H A T:

         WHEREAS, the Company desires to retain and attract as directors and
officers the most capable persons available; and

         WHEREAS, the Company and Indemnitee recognize that Indemnitee is unable
to acquire adequate or reliable advance knowledge or guidance with respect to
the legal risks and potential civil liabilities to which she may become
personally exposed as a result of performing his/her duties in good faith for
the Company; and

         WHEREAS, the Company and Indemnitee recognize that the cost of
defending against such lawsuits, whether or not meritorious, is typically beyond
the financial resources of most individuals; and

         WHEREAS, the Articles of Incorporation and Bylaws of the Company permit
the Company to indemnify its officers and directors to the fullest extent
permitted by law; and

         WHEREAS, Section 607.0850 of the Florida Statutes sets forth certain
provisions relating to the indemnification of officers and directors of a
Florida corporation by such corporation; and

         WHEREAS, the Company desires to have Indemnitee continue to serve as an
officer and/or director of the Company free from any undue concern, from
unpredictable, inappropriate or unreasonable civil risks and personal civil
liabilities, by reason of acting in good faith in the performance of his/her
duties to the Company and Indemnitee desires to continue to serve as an officer
and/or director of the Company; provided, on the express condition, that she is
furnished with the indemnity set forth herein;

         NOW, THEREFORE, in consideration of the mutual covenants and agreements
below and based on the premises set forth above, the Company and Indemnitee do
hereby agree as follows:

         1.       DEFINITIONS.  As used in the Agreement:

         (a) The term "Proceeding" shall include any threatened, pending or
         completed action, suit or proceeding, whether brought in the name of
         the Company or otherwise and whether of civil, administrative or
         investigative nature, including, but not limited to, actions, suits, or
         proceedings brought under and/or predicated upon the Securities Act of
         1933, as amended, and/or the Securities Exchange Act of 1934, as
         amended, and/or their respective state counterparts and/or any rule or
         regulation promulgated thereunder, in which Indemnitee may be or may
         have been involved as a party or otherwise, by reason of any action
         taken by his/her or any inaction on his/her part while acting as such
         director and/or officer or by reason of the fact that she is or was
         serving at the request of the Company as a director, officer, employee
         or agent of another corporation, partnership, joint venture, trust or
         other enterprise, whether or not she is serving in such capacity at the
         time any liability or expense is incurred for which indemnification or
         reimbursement can be provided under this Agreement. The term
         "Proceeding" shall not include any criminal action or proceeding.

         (b) The term "Expenses" includes, without limitation thereto, expenses
         of investigations, judicial or administrative proceedings or appeals,
         amounts paid in settlement by or on behalf of Indemnitee, attorneys'
         fees and disbursements and any expenses of establishing a right to
         indemnification under Paragraph 7 of this Agreement, but shall not
         include the amount of
<PAGE>

         judgments, fines or penalties actually levied against Indemnitee and
         shall not include any Expenses incurred in connection with any criminal
         Proceeding.

         (c) References to "other enterprise" shall include employee benefit
         plans; references to "fines" shall include an excise tax assessed with
         respect to any employee benefit plan; references to "serving at the
         request of the Company" shall include any service as a director,
         officer, employee or agent of the Company which imposes duties on, or
         involves services by, such director, officer, employee, or agent with
         respect to an employee benefit plan, its participants, or
         beneficiaries; references to "employee benefit plans" shall include,
         and not be limited to, stock option plans, stock award plans, stock
         purchase plans, 401(k) plans, pension plans, health and welfare plans,
         and retirement plans; and a person who acts in good faith and in a
         manner she reasonably believes to be in the interest of the
         participants and beneficiaries of an employee benefit plan shall be
         deemed to have acted in a manner "not opposed to the best interests of
         the Company" as referred to in this Agreement.

         2. AGREEMENT TO SERVE. Indemnitee agrees to serve or continue to serve
as a director and/or officer of the Company at the will of the Company or under
separate contract, as the case may be, for so long as she is duly elected or
appointed or until such time as she tenders his/her resignation in writing.

         3. INDEMNITY IN THIRD PARTY PROCEEDINGS. The Company shall indemnify
Indemnitee in accordance with the provisions of this section if Indemnitee is a
party to or threatened to be made a party to or otherwise involved in any
Proceeding (other than a Proceeding by or in the name of the Company to procure
a judgment in its favor), by reason of the fact that Indemnitee is or was a
director and/or officer of the Company or is or was serving at the request of
the Company as a director, officer, employee or agent of another corporation,
partnership, joint venture, trust or other enterprise, against all Expenses,
judgments, fines and penalties, actually and reasonably incurred by Indemnitee
in connection with the defense or settlement of such Proceeding, provided it is
determined pursuant to Paragraph 7 of this Agreement or by the court before
which such action was brought, that Indemnitee acted in good faith and in a
manner which she reasonably believed to be in good faith and in a manner she
believed to be in or not opposed to the best interests of the Company.

         4. INDEMNITY IN PROCEEDINGS BY OR IN THE NAME OF THE COMPANY. The
Company shall indemnify Indemnitee in accordance with the provisions of this
section if Indemnitee is a party to or threatened to be made a party to or
otherwise involved in any Proceeding by or in the name of the Company to procure
a judgment in its favor by reason of the fact that Indemnitee was or is a
director and/or officer of the Company or is or was serving at the request of
the Company as a director, officer, employee or agent of another corporation,
partnership, joint venture, trust or other enterprise against all Expenses
actually and reasonably incurred by Indemnitee in connection with the defense or
settlement of such Proceeding, but only if she acted in good faith and in a
manner which she reasonably believed to be in or not opposed to the best
interests of the Company, except that no indemnification for Expenses shall be
made under this Paragraph 4 in respect of any claim, issue or matter as to which
Indemnitee shall have been adjudged to be liable to the Company, unless and only
to the extent that any court in which such Proceeding is brought shall determine
upon application that, despite the adjudication of liability but in view of all
the circumstances of the case, Indemnitee is fairly and reasonably entitled to
indemnity for such expenses as such court shall deem proper.

         5. INDEMNIFICATION OF EXPENSES OF SUCCESSFUL PARTY. Notwithstanding any
other provisions of this Agreement, to the extent that Indemnitee has been
successful on the merits or otherwise, in defense of any Proceeding or in
defense of any claim, issue or matter therein, including the dismissal of an
action without prejudice, Indemnitee shall be indemnified against all Expenses
incurred in connection therewith.

         6. ADVANCES OF EXPENSES. The Expenses incurred by Indemnitee pursuant
to Paragraphs 3 and 4 in any Proceeding shall be paid by the Company in advance
at the written request of Indemnitee, if Indemnitee shall undertake to repay
such amount to the extent that it is ultimately determined that Indemnitee is
not entitled to indemnification.
<PAGE>

         7. RIGHT OF INDEMNITEE TO INDEMNIFICATION UPON APPLICATION; PROCEDURE
UPON APPLICATION. Any indemnification or advance under Paragraphs 3, 4, and/or 6
hereof shall be made no later than 45 days after receipt of the written request
of Indemnitee, unless a determination is made within such 45 day period by (a)
the Board of Directors of the Company by a majority vote of a quorum thereof
consisting of directors who were not parties to such Proceedings, or (b)
independent legal counsel in a written opinion (which counsel shall be appointed
if such a quorum is not obtainable), that Indemnitee has not met the relevant
standards for indemnification set forth in Paragraphs 3 and 4.

         The right to indemnification or advances as provided by this Agreement
shall be enforceable by Indemnitee in any court of competent jurisdiction. The
burden of proving that indemnification or advances are not appropriate shall be
on the Company. Neither the failure of the Company (including its Board of
Directors or independent legal counsel) to have made a determination prior to
the commencement of such action that indemnification or advances are proper in
the circumstances because Indemnitee has met the applicable standard of conduct,
nor an actual determination by the Company (including its Board of Directors or
independent legal counsel) that Indemnitee has met such applicable standard of
conduct, shall be a defense to the action or create a presumption that
Indemnitee has not met the applicable standard of conduct. Indemnitee's Expenses
incurred in connection with successfully establishing his/her right to
indemnification or advances, in whole or in part, in any such Proceeding shall
also be indemnified by the Company.

         8. INDEMNIFICATION HEREUNDER NOT EXCLUSIVE. The indemnification
provided by this Agreement shall not be deemed exclusive of any other rights to
which Indemnitee may be entitled under the Company's Articles of Incorporation,
Bylaws, or another capacity while holding such office. The indemnification under
this Agreement shall continue as to Indemnitee even though she may have ceased
to be a director and/or officer of the Company and shall inure to the benefit of
the heirs and personal representatives of Indemnitee.

         9. PARTIAL INDEMNIFICATION. If Indemnitee is entitled under any
provision of this Agreement to indemnification by the Company for some or a
portion of the Expenses, judgments, fines or penalties actually and reasonably
incurred by his/her in the investigation, defense, appeal or settlement of any
Proceeding but not, however, for the total amount thereof, the Company shall
nevertheless indemnify Indemnitee for the portion of such Expenses, judgments,
fines or penalties to which Indemnitee is entitled.

         10. PRESUMPTION OF INDEMNIFICATION. For purposes of this Agreement,
determination of any Proceeding, suit or proceeding by any means shall not
create a presumption that Indemnitee did not meet any particular standard of
conduct; act in the best interests of the Company; have any particular belief;
or that a court has determined that indemnification is not permitted by
applicable law.

         11. LIABILITY INSURANCE. To the extent that Company maintains an
insurance policy or policies providing directors' and officers' liability
insurance, Indemnitee shall be covered by such policy or policies, in accordance
with its or their terms, to the maximum extent of the coverage available for any
director and/or officer of the Company.

<PAGE>

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed
as of the date first above written.

                                   FPIC INSURANCE GROUP, INC.

                                   By
                                       ----------------------------------------
                                       William R. Russell, President and Chief
                                       Executive Officer

                                   INDEMNITEE:

                                   By
                                       ----------------------------------------
                                       Charles Divita III

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