Document:

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                                                                   EXHIBIT 10.36

                         ASSIGNMENT OF LEASES AND RENTS

         THIS ASSIGNMENT is made on January 1, 2005 by and between Meadowbrook
Insurance Group, Inc., a Michigan corporation ("Borrower"), whose address is
26255 American Drive, Southfield, Michigan 48034, and Star Insurance Company, a
Michigan corporation ("Lender"), whose address is 26255 American Drive,
Southfield, Michigan 48034.

         RECITALS:

         A. Borrower has granted to Lender a mortgage (the "Mortgage") covering
certain real property situated in the State of Michigan, as more particularly
described in Exhibit A attached hereto (the "Property"), as security for certain
indebtedness or obligations of Borrower to Lender; and

         B. Borrower has demised or hereafter will demise the Property or a
part thereof by a certain lease or leases for certain terms; and

         C. Lender, as a condition for making the loan(s) secured by the
Mortgage, has required an assignment of the leases and the rents, issues and
profits derived from the use of the Property and every part thereof, as
additional security for the payment of the indebtedness secured by the Mortgage.

         THEREFORE, in order to provide additional security for the payment of
the principal and interest of the indebtedness secured by the Mortgage, and all
other amounts payable by Borrower thereunder, and any and all extensions and
renewals thereof, however evidenced, and the performance of the covenants and
conditions hereof, Borrower hereby covenants and agrees to and with Lender as
follows:

         1. Borrower does hereby sell, assign, transfer and set over unto
Lender, pursuant to Act 210 of the Public Acts of Michigan of 1953, as amended,
all the rents, profits and income under all leases or occupancy agreements or
arrangements, however evidenced or denominated, upon or affecting the Property,
as defined in the Mortgage (including any extensions, amendments or renewals
thereof), whether such rents, profits and income are due or are to become due,
including all such leases in existence or coming into existence during the
period this assignment is in effect. This assignment shall run with the land
until this assignment is discharged in full and be good and valid as against
Borrower and those claiming by, under or through Borrower, from the date of
recording of this assignment. This assignment shall continue to be operative
during the foreclosure or any other proceedings taken to enforce the Mortgage.
In the event of a foreclosure sale which results in a deficiency, this
assignment shall stand as security during the redemption period for the payment
of such deficiency. This assignment is given as collateral security only and
does not and shall not be construed as obligating Lender to perform any of the
covenants or undertakings required to be performed by Borrower in any leases.

<PAGE>

         2. Borrower covenants and agrees not to cancel, accept a surrender of,
modify or alter (orally or in writing), reduce the rental under or consent to
the assignment or subletting of the lessee's interest in, any lease affecting
the Property, except in the ordinary course of business and on commercially
reasonable terms, or to make any other assignment, pledge or other disposition
of such leases, or any of them, or of the rents, issues and profits derived from
the use of the Property. Any of the above acts, if done without the written
consent of Lender, shall be null and void.

         3. Borrower warrants and represents that all leases or copies of leases
which have been delivered to Lender are in full force and effect and there are
no defaults existing thereunder, and that Borrower has not: (a) executed any
prior assignments presently subsisting of any leases or rentals pertaining to
the Property, (b) performed any acts or executed any other instruments which
might prevent or limit Lender's operating under any of the terms and conditions
of the Mortgage, (c) executed or granted any modification whatever of any lease
pertaining to the Property which has not been disclosed to Lender, or (d)
subordinated any lease to the lien of the Mortgage, except on terms acceptable
to Lender.

         4. Until the occurrence of an Event of Default under the Mortgage or
until the Borrower shall default in the performance of any its obligations under
this assignment, Borrower may receive, collect and enjoy the rents and income
from the Property. Upon the occurrence of an Event of Default under the Mortgage
or a default by the Borrower in the performance of any its obligations under
this assignment, Lender shall be entitled to, at its option, to enter upon the
Property, or any part thereof, by its officers, agents, or employees, and: (a)
collect the rents and income from the Property as long as an Event of Default
under the Mortgage or a default by the Borrower in the performance of any its
obligations under this assignment exists and during the pendency of any
foreclosure proceedings and, if there is a deficiency, during any redemption
period, (b) rent or lease the Property or any portion thereof upon such terms
and for such time as it may deem best, (c) operate or maintain the Property, (d)
maintain proceedings to recover rents or possession of the Property from any
tenant or trespasser, and apply the net proceeds of such rent and income, after
payment of all proper charges and expenses, to the following purposes: (1)
payment of all of the costs and expenses incurred by Lender in exercising its
rights under this paragraph; (2) payment of interest and principal secured by
the Mortgage; (3) payment of all other sums secured hereby; (4) payment of
expenses of preserving the Property, including taxes and insurance premiums.
Notwithstanding the foregoing, Lender, in its sole discretion, may change the
priorities set forth above for the application of the net proceeds of such rent
and income. The Borrower hereby authorizes Lender in general to perform all acts
necessary for the operation and maintenance of the Property in the same manner
and to the same extent that the Borrower might reasonably so act. Lender shall
only be accountable for money actually received by it pursuant to the assignment
contained in this paragraph. Such entry and taking possession of the Property,
or any part thereof, by Lender, may be made by actual entry and possession, or
by written notice served personally upon or sent by certified mail to the last
address of the Borrower appearing on the records of Lender, as Lender may elect,
and no further authorization or notice shall be required. BORROWER HEREBY WAIVES
ANY RIGHT TO NOTICE, OTHER THAN THE NOTICE PROVIDED ABOVE AND WAIVES ANY RIGHT
TO ANY HEARING JUDICIAL OR OTHERWISE PRIOR TO LENDER EXERCISING ITS RIGHTS UNDER
THE ASSIGNMENT CONTAINED IN THIS PARAGRAPH.

         5. Lender and its duly authorized agents shall be entitled to enter the
Property for the purpose of delivering any and all such notices and other
communications to the tenants and occupiers thereof or to take such other steps
as shall be necessary or desirable in Lender's discretion to exercise its rights
hereunder, and Lender and its agents shall have absolutely no liability to
Borrower arising therefrom, except for gross negligence or willful misconduct.
Lender shall not, however, be obligated to give any tenant or occupier of the
Property any notice by personal delivery and Lender may, in its sole discretion,
deliver all such notices and communications by ordinary first-class U.S. mail,
postage prepaid, or otherwise.

                                       2

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         6. The Borrower irrevocably consents that any lessee or lessees under
any leases covering the Property, upon demand and notice from Lender of
Borrower's default under the Mortgage or this assignment, shall pay all rents,
issues and profits under such leases to Lender without any obligation upon any
such lessee or lessees for the determination of the actual existence of any
default.

         7. In the event that Borrower obstructs Lender in its efforts to
collect the rents and income from the Property, or after requested by Lender,
unreasonably refuses, fails or neglects to assist Lender in collecting such rent
and income, Lender shall be entitled to the appointment of a receiver of the
Property and of the income, rents and profits therefrom, with such powers as the
court making such appointment may confer.

         8. The Borrower covenants and agrees to perform and discharge each and
every obligation, covenant, and agreement required to be performed by the
landlord under all leases covering the Property, and should the Borrower fail so
to do, then Lender, but without obligation to do so, and without releasing the
Borrower from any obligation hereof, may make or do the same in such manner and
to such extent as Lender may deem necessary to protect the security hereof.
Nothing herein contained shall be construed to bind Lender to perform any of the
terms and provisions contained in the leases, or otherwise to impose any
obligation upon Lender. Any default by the Borrower in the performance of any of
the obligations contained in this paragraph, which is not cured within 30 days
after notice thereof from Lender to Borrower, or, if the default is of a kind
which cannot be cured within 30 days, if Borrower fails to undertake the cure of
such default within 30 days after notice thereof from Lender to Borrower and
thereafter diligently pursue such cure and complete it within a reasonable time,
shall constitute and be deemed to be a default under the terms of the Mortgage
and this assignment entitling Lender to exercise the rights and remedies
provided by the Mortgage and this assignment.

         9. Lender shall at no time have any obligation whatever to attempt to
collect rent from any tenant or occupier of the Property notwithstanding that
such tenants and occupiers may not be paying rent to either Borrower or to
Lender. Further, Lender shall at no time have any obligation whatever to enforce
any other obligations owed by tenants or occupiers of the Property to Borrower.
No action taken by Lender under the Mortgage or this assignment shall put Lender
in the position of a "mortgagee in possession."

         10. Borrower shall at no time collect advance rent under any lease
upon, affecting or pertaining to the Property or any part thereof in excess of
one month (other than as a security deposit) and Lender shall not be bound in
any respect by any rent prepayment made or received in violation of the terms
hereof.

         11. Lender shall have the right to assign the Borrower's right, title
and interest in all leases covering the Property to any subsequent holder of the
Mortgage or this assignment, and to assign the same to any person acquiring
title to the Property through foreclosure or otherwise.

         12. The rights and remedies of Lender under this instrument are
cumulative and are not in lieu of but are in addition to any other rights or
remedies which Lender shall have under the Mortgage, this assignment or under
any loan agreement between the parties hereto or under applicable law.

         13. All covenants and agreements contained herein shall apply to and
bind the heirs, personal representatives, successors and assigns of the
respective parties.

         IN WITNESS WHEREOF, this Assignment was executed and delivered by the
undersigned on the day and year first above written.

                                       3

<PAGE>

                                       BORROWER:

                                       MEADOWBROOK INSURANCE GROUP,
                                       INC., a Michigan corporation

                                       By:      /s/ Robert S. Cubbin
                                                --------------------------------
                                                Robert S. Cubbin
                                       Its:     President and CEO

STATE OF MICHIGAN)
                           )ss
COUNTY OF                  )
          -----------------

         The foregoing instrument was acknowledged before me on January 1, 2005
by Robert S. Cubbin, who is the President and CEO of Meadowbrook Insurance
Group, Inc., a Michigan corporation, on behalf of the corporation.

                                       -----------------------------------------
                                       Notary Public,             County, MI
                                                      -----------
                                       My commission expires:
                                                                 ---------

DRAFTED BY:

Scott K. Lites, Esq.
Plunkett & Cooney, P.C.
38505 Woodward Avenue
Suite 2000
Bloomfield Hills, Michigan  48304

WHEN RECORDED RETURN TO:

Meadowbrook Insurance Group, Inc.
26255 American Drive
Southfield, Michigan  48034

                                       4

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                                   "EXHIBIT A"

     Land in the City of Southfield, County of Oakland and State of Michigan,
     described as:

Tax Parcel No.:

Commonly known as:

Blmfield.15231.43786.581080-1<PAGE>

                                                                   EXHIBIT 10.37

                   AT-WILL EMPLOYMENT AND SEVERANCE AGREEMENT

         THIS AT-WILL EMPLOYMENT AND SEVERANCE AGREEMENT (hereinafter referred
to as the "Agreement") is effective January 1, 2005, by and among Meadowbrook,
Inc., Meadowbrook Insurance Group, Inc., (hereinafter referred to as the
"Company"), and NAME (hereinafter referred to as the "Executive").

         WHEREAS, Executive is currently employed by the Company as its TITLE;
and

         WHEREAS, the Company desires to provide certain security to Executive
in connection with a change in control of the Company;

         NOW, THEREFORE, in consideration of the mutual covenants and promises
contained herein, and other good and valuable consideration, the receipt of
which is hereby acknowledged, the parties hereto agree as follows:

         1. BENEFITS ON CHANGE OF CONTROL. If within two years after a Change in
Control, the Company shall terminate the Executive's employment without "Good
Cause" (as defined in Section 2) or Executive shall voluntarily terminate such
employment with "Good Reason" (as defined in Section 2), then Company shall make
the following payments to the Executive:

                  (a) The Company shall make a single lump sum payment to
Executive equal to [AMOUNT] times the sum of the Executive's annual base salary
and the Executive's target bonus under the Company's annual bonus plan (the
"Discretionary Bonus"), subject to repayment by the Executive upon the
Executive's breach of the Executive's covenant to not compete with the Company
or to solicit Company employees as provided in Section 4. For purposes of this
section, "base salary" shall be the greater of the base salary in effect on the
date the Executive's employment terminates and the amount of the Executive's
base salary in effect immediately prior to a Change in Control. The Company
shall make such payment within ten (10) days following the date the Executive's
employment terminates.

                  (b) The Executive shall also be entitled to payment of a pro
rata share of such portion of the Discretionary Bonus for the year in which
Executive's employment terminates that is based on Company performance criteria.
Such pro rata portion shall be determined by a fraction, the numerator of which
is the number of days in the year that the Executive is employed by the Company
and the denominator of which is 365. Such payment shall be made no later than
the February 28 of the calendar year immediately following the year in which
Executive's employment terminates.

                  (c) The Company shall also pay the Executive an amount equal
to the premiums payable by the Executive in the event the Executive elects
continuation coverage pursuant to the Consolidated Omnibus Budget Reconciliation
Act of 1985 ("COBRA"). Such payments shall cease upon the earlier of eighteen
(18) months of continuation coverage or the cessation of the Executive's and the
Executive's family members rights to COBRA continuation coverage. The Company
shall make such payments directly to the party to whom premiums are payable at
such times as they are due under COBRA.

         2. DEFINITIONS. For purposes of this Agreement:

                  (a) A "Change in Control" shall be deemed to have taken place
         upon:

<PAGE>

                           i.       The acquisition by any individual, entity or
                                    group (within the meaning of Section
                                    13(d)(3) or 14(d)(2) of the Securities
                                    Exchange Act of 1934, as amended (the
                                    "Exchange Act")) (a "Person") of beneficial
                                    ownership (within the meaning of Rule 13d-3
                                    promulgated under the Exchange Act) of 35%
                                    or more of either (a) the then outstanding
                                    shares of common stock of the Company (the
                                    "Outstanding Company Common Stock") or (b)
                                    the combined voting power of the then
                                    outstanding voting securities of the Company
                                    entitled to vote generally in the election
                                    of directors (the "Outstanding Company
                                    Voting Securities"); provided, however, that
                                    for purposes of this subparagraph 1, the
                                    following acquisitions shall not constitute
                                    a Change in Control: (i) any acquisition
                                    directly from the Company, (ii) any
                                    acquisition by the Company, (iii) any
                                    acquisition by any employee benefit plan (or
                                    related trust) sponsored or maintained by
                                    the Company or any corporation controlled by
                                    the Company, or (iv) any acquisition by any
                                    corporation pursuant to a transaction which
                                    complies with clauses (a), (b) and (c) of
                                    subparagraph iii of this Section 2(a); or

                           ii.      Individuals who, as of the date hereof,
                                    constitute the Board of Directors of the
                                    Company (the "Incumbent Board") cease for
                                    any reason to constitute at least a majority
                                    of the Board of Directors; provided,
                                    however, that any individual who becomes a
                                    director subsequent to the date hereof and
                                    whose election, or nomination for election
                                    by the Company's shareholders, was approved
                                    by a vote of at least a majority of the
                                    directors then comprising the Incumbent
                                    Board (either by a specific vote or by
                                    approval of the proxy statement of the
                                    Company in which such person is named as a
                                    nominee for director, without written
                                    objection to such nomination) shall be
                                    deemed to be a member of the Incumbent
                                    Board; provided, further, that
                                    notwithstanding the immediately preceding
                                    proviso, any individual whose initial
                                    assumption of office occurs as a result of
                                    an actual or threatened election contest
                                    with respect to the election or removal of
                                    directors or other actual or threatened
                                    solicitation of proxies or contests by or on
                                    behalf of a Person, other than the Board of
                                    Directors of the Company, shall not be
                                    deemed to be a member of the Incumbent
                                    Board; or

                           iii.     Consummation of a reorganization, merger,
                                    share exchange or consolidation or sale or
                                    other disposition of all or substantially
                                    all of the assets of the Company (a
                                    "Business Combination"), in each case,
                                    unless, following such Business Combination:
                                    (a) all or substantially all of the
                                    individuals and entities who were the
                                    beneficial owners, respectively, of the
                                    Outstanding Company Common Stock and
                                    Outstanding Company Voting Securities
                                    immediately prior to such Business
                                    Combination beneficially own, directly or
                                    indirectly, more than 65% of, respectively,
                                    the then outstanding shares of common stock
                                    and the combined voting power of the then
                                    outstanding voting securities entitled to
                                    vote generally in the election of directors,
                                    as the case may be, of the corporation
                                    resulting from such Business Combination
                                    (including,

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<PAGE>

                                    without limitation, a corporation which as a
                                    result of such transaction owns the Company
                                    or all or substantially all of the Company's
                                    assets either directly or through one or
                                    more subsidiaries) in substantially the same
                                    proportions as their ownership, immediately
                                    prior to such Business Combination, of the
                                    Outstanding Company Common Stock and
                                    Outstanding Company Voting Securities, as
                                    the case may be; (b) no Person (excluding
                                    any corporation resulting from such Business
                                    Combination or any employee benefit plan (or
                                    related trust) of the Company or such
                                    corporation resulting from the Business
                                    Combination) beneficially owns, directly or
                                    indirectly, 35% or more of, respectively,
                                    the then outstanding shares of common stock
                                    of the corporation resulting from such
                                    Business Combination or the combined voting
                                    power of the then outstanding voting
                                    securities of such corporation except to the
                                    extent that such ownership existed prior to
                                    the Business Combination; and (c) at least a
                                    majority of the members of the board of
                                    directors of the corporation resulting from
                                    such Business Combination were members of
                                    the Incumbent Board immediately prior to the
                                    time of the execution of the initial
                                    agreement, or of the action of the Board of
                                    Directors of the Company, providing for such
                                    Business Combination; or

                           iv.      Approval by the stockholders of the Company
                                    of a complete liquidation or dissolution of
                                    the Company.

                  (b) "Good Cause" shall mean (i) the failure by the Executive
to obey the reasonable and lawful orders of the Board of Directors of the
Company or Executive's direct supervisor; (ii) misconduct by the Executive that
is materially injurious to the Company; or (ii) the Executive engaging in
dishonest activities injurious to the Company.

                  (c) "Good Reason" shall exist if Executive resigns from
employment with the Company following the occurrence of any one or more of the
following, without Executive's prior written consent: (i) Executive is not
reelected to or is removed as [TITLE] of the Company; (ii) the Company fails to
vest Executive with or removes from Executive the duties, responsibilities,
authority or resources that Executive reasonably needs to competently perform
Executive's duties as [TITLE] of the Company; (iii) the Company changes the
primary location of Executive's employment to a place that is more than 50 miles
the Executive's principal location of employment with the Company immediately
prior to a Change in Control of the Company; or (iv) the Company otherwise
commits a material breach of its obligations under this Agreement and fails to
cure the breach within 30 days after Executive gives the Company written notice
of the breach.

         3. CONFIDENTIAL INFORMATION AGREEMENT. Executive agrees that the
Confidential Information Agreement executed by him and dated [DATE] (the
"Confidential Information Agreement"), which includes, not by way of limitation,
covenants not to compete with the Company and covenants to refrain from
soliciting employees to leave the Company's employment, shall remain in full
force and effect.

         4. COVENANT NOT TO COMPETE OR SOLICIT EMPLOYEES. In the event severance
becomes payable to Executive following a Change in Control, Executive, in
addition to the restrictive

                                       3
<PAGE>

covenants contained in the Confidential Information Agreement, agrees to the
restrictive covenants of this Section:

                  (a) Executive agrees that, for [SEVERANCE PERIOD] following
the termination of Executive's employment under circumstances described in
Section 1, Executive will not, without the Company's prior written consent,
directly or indirectly Compete with the Company or any of its subsidiaries. For
the purposes of Section 4:

                           i.       "Compete" means directly or indirectly
                                    owning, managing or operating a Competitor
                                    which solicits or obtains business of the
                                    Company, or directly or indirectly serving
                                    as an employee, officer or director of or a
                                    consultant to a Competitor which solicits or
                                    obtains business of the Company, or
                                    soliciting or inducing any employee or agent
                                    of the Company to terminate employment with
                                    the Company or any of its subsidiaries and
                                    become employed by a Competitor.

                           ii.      "Competitor" means any person, firm,
                                    partnership, corporation, trust or other
                                    entity that owns, controls or is an
                                    insurance company or a similar financial
                                    services company (a "Financial Services
                                    Company").

                  (b) In the event that a successor to the Company succeeds to
or assumes the Company's rights and obligations under this Agreement, Section
4(a) will apply only to the Company as it existed immediately before the
succession or assumption occurred and will not apply to any of the successor's
other offices.

                  (c) Section 4(a) will not prohibit Executive from directly or
indirectly owning or acquiring any capital stock or similar securities that are
listed on a securities exchange or quoted on the Nasdaq or NYSE and do not
represent more than 5% of the outstanding capital stock of any Financial
Services Company.

                  (d) Executive agrees that a violation of this Section 4 would
result in direct, immediate and irreparable harm to the Company, and in such
event, agrees that the Company, in addition to their other rights and remedies,
would be entitled to injunctive relief enforcing the terms and provisions of
this Section 4 and a return of any severance payments under Section 1 to the
Company. The terms of this Section are intended to be in addition to any
restrictions contained in the Confidential Information Agreement.

         5. LITIGATION EXPENSES. The Company shall pay to Executive all
out-of-pocket expenses, including attorneys' fees, incurred by Executive in
connection with the successful enforcement by Executive of this Agreement, and
shall pay prejudgment interest on any money judgment obtained by Executive,
calculated at the prime interest rate as reported in The Wall Street Journal,
Midwest Edition, compounded daily from the date that payment(s) to Executive
should have been made under this Agreement.

         6. SUCCESSORS. The obligations of the Company provided for in this
Agreement shall be the binding legal obligations of any successor to the Company
by purchase, merger, consolidation, or otherwise. This Agreement may not be
assigned by Executive during Executive's life, and upon Executive's death will
inure to the benefit of Executive's heirs, legatees and the legal
representatives of Executive's estate.

                                       4
<PAGE>

         7. INTERPRETATION. The validity, interpretation, construction and
performance of this Agreement shall be governed by the laws of the State of
Michigan.

         8. EFFECT ON EMPLOYMENT STATUS. This Agreement establishes the terms
and conditions pursuant to which severance payments shall be made to Executive
upon termination of employment. Nothing in this Agreement changes the at-will
status of the Executive's employment. The Company retains the right to terminate
Executive's employment with the Company for any reason and at any time and the
Executive retains the same right.

         9. WITHHOLDING. The Company may withhold from any payment that it is
required to make under this Agreement amounts sufficient to satisfy applicable
withholding requirements under any federal, state or local law.

         IN WITNESS WHEREOF, the parties hereto have executed this Agreement on
the day and year first written above.

                                        MEADOWBROOK INSURANCE GROUP, INC.

                                        -----------------------------
                                        By:  Robert S. Cubbin
                                        Its:  President & CEO

                                        MEADOWBROOK, INC.

                                        -----------------------------
                                        By:  Robert S. Cubbin
                                        Its:  President & CEO

                                        EXECUTIVE

                                        -----------------------------

                                       5

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