Document:

EX-10.1

EXHIBIT 10.1

CRM HOLDINGS, LTD.

and its Subsidiaries

Employment Agreement for Joseph Taylor

CRM HOLDINGS, LTD. and its Subsidiaries

Employment Agreement for Joseph Taylor

	 	 	 	 	 	 	 	 	 
	 	1.	 	 	Term
	 	 	1	 
	 	2.	 	 	Position, Duties and Responsibilities
	 	 	1	 
	 	3.	 	 	Base Salary
	 	 	2	 
	 	4.	 	 	Initial Restricted Stock Grant
	 	 	2	 
	 	5.	 	 	Incentive Awards
	 	 	2	 
	 	6.	 	 	Other Payments
	 	 	2	 
	 	7.	 	 	Employee Benefit Programs
	 	 	2	 
	 	8.	 	 	Disability
	 	 	2	 
	 	9.	 	 	Reimbursement of Business and Other Expenses
	 	 	3	 
	 	10.	 	 	Termination of Employment
	 	 	3	 
	 	11.	 	 	Confidentiality; Litigation Cooperation; Non-disparagement
	 	 	7	 
	 	12.	 	 	Non-competition
	 	 	8	 
	 	13.	 	 	Non-solicitation
	 	 	9	 
	 	14.	 	 	Remedies
	 	 	9	 
	 	15.	 	 	Resolution of Disputes
	 	 	9	 
	 	16.	 	 	Indemnification
	 	 	9	 
	 	17.	 	 	Miscellaneous
	 	 	10	 

EMPLOYMENT AGREEMENT

AGREEMENT, made and entered into as of the 5th day of May 2009 (“Effective Date”)
by and between CRM Holdings, Ltd., a Bermuda company (together with its subsidiaries from time to
time and its successors and assigns, “CRM”), and Joseph Taylor (the “Executive”).

W I T N E S S E T H:

WHEREAS, CRM desires to employ Executive and Executive desires to accept such employment,
pursuant to an agreement embodying the terms of such employment (this “Agreement”).

NOW, THEREFORE, in consideration of the premises and mutual covenants contained herein and for
other good and valuable consideration, the receipt of which is mutually acknowledged, CRM and
Executive (individually a “Party” and together the “Parties”) agree to be bound in accordance with
the terms of this Agreement.

	 	1.	 	Term.

(a) The term of Executive’s employment under this Agreement shall commence on Effective
Date and end on the December 31, 2012 (the “Original Term”), unless terminated earlier in
accordance herewith. The Original Term shall be automatically renewed for successive one-year terms
(the “Renewal Terms”) unless at least 30 days prior to the expiration of the Original Term or any
Renewal Term, either Party notifies the other Party in writing that he or it is electing to
terminate this Agreement at the expiration of the then current Term. “Term” shall mean the
Original Term and all Renewal Terms.

(b) Employment Agreement effective January 1, 2007 between CRM and Executive is hereby
terminated and accordingly shall no longer remain in full force and effect.

	 	2.	 	Position, Duties and Responsibilities.

(a) Generally. Executive shall serve as Chief Financial Officer (“CFO”) of CRM.
In such capacity, Executive shall report to the Chief Executive Officer. Executive shall have and
perform such duties, responsibilities, and authorities as are customary for the chief financial
officer of similar size companies and businesses as CRM, as are consistent with such positions and
status. Executive shall devote substantially all of his business time and attention (except for
periods of vacation or absence due to illness), and his best efforts, abilities, experience, and
talent to the position of CFO.

(b) Other Activities. During the Term, Executive may (i) serve on the boards of
directors of trade associations and/or charitable organizations, provided that Executive
shall notify the Chief Executive Officer of any such position, (ii) engage in charitable activities
and community affairs, and (iii) manage personal investments and affairs, provided that such
activities described in clauses (i), (ii), and (iii) do not materially interfere with the proper
performance of his duties as CFO or result in a breach of this Employment Agreement.

1

(c) Place of Employment. Executive’s principal place of employment shall be the
corporate offices of CRM.

	 	3.	 	Base Salary.

Executive shall be paid an annualized salary (“Base Salary”) of $275,000, in accordance with
CRM’s normal pay practices. The Base Salary shall be reviewed by the Compensation Committee (the
“Compensation Committee”) of the Board of Directors (the “Board”) no less than annually.

	 	4.	 	Initial Restricted Stock Grant.

Executive has been awarded 25,000 “restricted shares” of common shares of CRM as of May 6,
2009. The terms of the grant shall be in accordance with the 2005 CRM Long Term Incentive Plan

5. Incentive Awards.

Executive shall be eligible to participate in CRM’s annual incentive compensation plan with a
target annual incentive award opportunity of 50% of Base Salary (“Annual Incentive”) and a maximum
bonus opportunity of no less than 75%, based upon Company profitability, stock price and
performance criteria as determined by the Compensation Committee on an annual basis. The
Compensation Committee, in their sole discretion, may pay any portion of the Annual Incentive in
cash, restricted stock, or a combination thereof.

	 	6.	 	Other Payments.

(a) Car Allowance. Executive shall receive a $1000 a month car allowance, to cover or
contribute toward the cost of owning, operating, maintaining and insuring a motor vehicle of his
choosing.

(b) Vacation. Executive shall be entitled to five (5) weeks of paid vacation annually
and shall take holidays in accordance with CRM’s standard holiday schedule as amended from time to
time.

	 	7.	 	Employee Benefit Programs.

During the Term, Executive shall be entitled to participate in CRM’s employee benefit plans
and programs as such plans or programs may be in effect from time to time, including, without
limitation, health, medical and dental coverage (together, “Welfare Benefits”).

	 	8.	 	Disability.

During any period that Executive fails to perform his duties hereunder as a result of
incapacity due to physical or mental illness (“Disability Period”), Executive shall continue to
receive his full base salary set forth in Section 3 until his employment is terminated pursuant to
Section 10(b) offset, on a dollar-for-dollar basis, by any CRM provided insurance or social
security payments made to Executive relating to such disability.

	 	9.	 	Reimbursement of Business and Other Expenses.

Executive is authorized to incur reasonable expenses in carrying out his duties and
responsibilities under this Agreement, and CRM shall reimburse him for all such reasonable business
expenses, subject to documentation in accordance with CRM’s applicable policies.

	 	10.	 	Termination of Employment.

(a) Death. If Executive dies during the Term or any Renewal Term, Executive’s estate
and/or beneficiaries shall be entitled to (and their sole remedies under this Agreement shall be):

(i) Base Salary through the date of Executive’s death in a lump sum within
10 days following the Date of Termination;

(ii) the balance of any incentive awards earned as of December 31 of the
prior year (but not yet paid), (together, with unpaid Base Salary, “Accrued
Amounts”) which incentive awards shall be paid in the form and at the time the
incentive awards are generally paid to employees of the Company;

(iii) Pro Rata Annual Incentive for the year in which the date of
termination (“Termination Date”) occurs assuming Target performance (“Pro Rata
Annual Incentive”) which Pro Rate Annual Incentive shall be paid in a lump sum
within 10 days following the Date of Termination;

(iv) immediate vesting of all unvested and outstanding stock options, (and
the right to exercise all such stock options for one year), the removal of any
and all restrictions regarding any restricted stock or deferred stock units, and
the vesting and settlement of any performance awards at target award levels
(together, “Equity Acceleration”);and

(v) other or additional benefits then due or earned through the Date of
Termination in accordance with applicable plans and programs of CRM
(“Entitlements”).

(b) Disability. If as a result of Executive’s incapacity due to physical or mental
illness, Executive shall have been substantially unable to perform his duties hereunder for a
period of at least 120 consecutive days or 180 non-consecutive days within any 365-day period, the
Company shall have the right to terminate Executive’s employment hereunder for “Disability”, and
such termination in and of itself shall not be, nor shall it be deemed to be, a breach of this
Agreement or any law. In the event Executive’s employment is terminated for Disability, Executive
shall be entitled to (and his sole remedies under this Agreement shall be):

(i) his Accrured Amounts and his Pro Rata Annual Incentive

(ii) reimbursement pursuant to Section 9 for reasonable expenses incurred,
but not paid to such termination of employment; and

(iii) his Entitlements.

(c) Termination by CRM for Cause.

(i) In the event a majority vote of the independent members of the Board
resolves to terminate Executive’s employment for Cause, Executive’s sole remedies
under this Agreement shall be to receive his Accrued Amounts and any Entitlements
through the date of termination. Executive shall not be entitled to receive any
Severance Pay (as defined) or Welfare Benefits continuation, and his equity awards
will be settled in accordance with the terms and conditions of the applicable grant
agreements.

(i) “”Cause” shall mean Executive’s:

(A) breach of any of the material terms or covenants of this Agreement,
specifically including any breach of the covenants set forth in Sections 11, 12 or
13 of this Agreement;

(B) conviction of, or plea of nolo contendre to, any felony, or any act that is
materially and demonstrably injurious to CRM’s financial condition or reputation;

(C) drug or alcohol use which impairs the ability of Executive to perform his
duties hereunder;

(D) engaging in conduct constituting gross neglect or willful misconduct in
carrying out his duties under this Agreement and that is demonstrably injurious to
CRM’s financial condition or CRM”S or Executive’s reputation;

(E) act or omission of dishonesty, fraud, misrepresentation, conflict of
interest or breach of fiduciary duty;

(F) material failure to diligently, faithfully and competently perform a
substantial portion of Executive’s responsibilities, duties, or functions as
specified in this Agreement after 30 days advance written notice by CRM and to the
extent possible, a reasonable opportunity to cure by the Executive;

(G) commission of any act or acts that harm the Company’s reputation, standing
or credibility within the communities it operates or with its clients or suppliers;
or

(H) act or series of acts constituting gross neglect and/or willful misconduct
resulting in a restatement of the Company’s financial statements due to material
non-compliance with any financial reporting requirement within the meaning of
Section 304 of The Sarbanes-Oxley Act of 2002.

(d) Voluntary Termination. In the event of a termination of employment by Executive
on his own initiative, which termination may be effective only 30 business days after delivery to
the Company of advance written notice of such termination, other than a termination due to death or
Disability, or by Executive for Good Reason, Executive shall be entitled to receive only his
Accrued Amounts and Entitlements.

(e) Termination by the Company without Cause or by Executive for Good Reason. If CRM
terminates Executive’s employment without Cause (which termination shall be effective as of the
date specified by CRM in a written notice to Executive), other than due to Executive’s death or
Disability, or if Executive terminates his employment for Good Reason (as defined below),
Executive’s sole remedies under this Agreement shall be to receive:

(i) his Accrued Amounts; a pro rata portion of the Annual Incentive
would have been paid for the full year in which the Termination Date
occurs based upon actual performance, payable at the time Annual
Incentive payments are generally paid to employees of the Company; his
Entitlements, and continuation of Welfare Benefits (to the extent
permissible under the terms of such plans and applicable law) for 18
months;

(ii) immediate vesting of all unvested and outstanding stock options and
the removal of any and all restrictions regarding any restricted stock
or deferred stock units, and

(iii) severance pay equal to the Base Salary amount immediately prior to
the Termination Date (unless a reduction in Base Salary is the reason
for a Good Reason termination, in which case, the Base Salary amount
prior to any such reduction) which severance pay shall be payable in 12
equal monthly payments commencing within 10 days after the effective
date of the release provided for in Section 10(i) hereof.

(f) Termination due to Change in Control. In the event Executive’s employment is
terminated by the Company without cause or by Executive for good reason upon the occurrence of or
within six months following a Change in Control (as defined as below), Executive’s sole remedy
under this Agreement shall be to receive:

(i) his Accrued Amounts; a pro rata portion of the Annual Incentive would have
been paid for the full year in which the Termination Date occurs based upon actual
performance, payable at the time Annual Incentive payments are generally paid to
employees of the Company; his Entitlements, and continuation of Welfare Benefits (to
the extent permissible under the terms of such plans and applicable law) for 12
months;

(ii) immediate vesting of all unvested and outstanding stock options and the
removal of any and all restrictions regarding any restricted stock or deferred stock
units, and;

(iii) severance pay equal to 200% of the base Salary immediately prior to the
Termination Date (unless a reduction in Base Salary is the reason for a Good Reason
termination, in which case, the Base Salary amount prior to any such reduction),
which severance pay shall be payable in 24 equal monthly payments commencing within
10 days after the effective date of the release provided for in Section 10(i)
hereof.

(g) Certain definitions. For purposes of this Agreement, the following terms have the
meanings ascribed to them:

“CHANGE IN CONTROL” shall mean any of the following:

(i) any sale, lease, exchange or other transfer (in one or a series of related
transactions) of all or substantially all of the assets of the Company;

(ii) any “person” as such term is used in Section 13(d) and Section 14(d) of
the Securities Exchange Act of 1934, as amended (the “Exchange Act”) is or becomes,
directly or indirectly, the “beneficial owner” as defined in Rule 13d-3 under the
Exchange Act of securities of the Company that represent 51% or more of the combined
voting power of the Company’s then outstanding voting securities;

(iii) during any period of two consecutive years, individuals who at the
beginning of such period constituted the Board (together with any new directors
whose election by the Board whose nomination by the shareholders of the Company was
approved by a vote of the Board then still in office who are either directors at the
beginning of such period or whose election or nomination for election was so
previously approved) cease for any reason to constitute a majority of the Board then
in office; or

(iv) the Board or the shareholders of the Company approve a merger or
consolidation of the Company with any other corporation, other than a merger,
amalgamation or consolidation which would result in the voting securities of the
Company outstanding immediately prior thereto continuing to represent at least 50%
of the total voting power represented by the voting securities of the Company
immediately after such merger, amalgamation or consolidation, or the Board or
shareholders of the Company approve a plan of complete liquidation of the Company or
an agreement for the sale or disposition by the Company (in one or a series of
transactions) of all or substantially all of the Company’s assets.

“Good Reason” shall mean Executive’s termination of his employment with CRM
following the occurrence, without Executive’s written consent, of one or more of the
following events (except as a result of a prior termination):

(i) a material diminution or change, materially adverse to Executive’s
position, as set forth in Section 2(a);

(ii) any decrease in (i) Executive’s annual Base Salary, excluding a decrease
uniformly imposed on senior executive positions for reasons of financial relief, or
(ii) target Annual Incentive opportunity below 50% of base salary; or

(iii) any other failure by CRM to perform any material obligation under, or
breach by CRM of any material provision of, this Agreement. Notwithstanding the
foregoing, prior to invoking termination for Good Reason under subparagraphs (i) and
(iii), CRM shall first be provided a 30 day cure period from the date CRM received
from Executive written notice specifying the specific act or conduct constituting
the failure and/or breach in issue and CRM materially fails to effect such cure
within the cure period.

(h) Mitigation and Offset. Executive has no obligation to mitigate payments due him
pursuant to this Agreement.

(i) Release of Employment Claims. As a condition to receipt of the payments and
benefits provided for in this Section 10 (other than Accrued Amounts and any Entitlements),
Executive agrees to execute a release, in a form reasonably satisfactory to CRM, releasing any and
all claims arising out of Executive’s employment (other than enforcement of this Agreement,
Executive’s rights under any of CRM’s incentive compensation and employee benefit plans and
programs, and any claim for any tort for personal injury not arising out of or related to his
termination of employment). Executive shall execute such release during the minimum period
required by law and receipt by CRM of such executed release shall be a condition precedent to CRM’s
obligation to make any payment to Executive hereunder.

	 	11.	 	Confidentiality; Litigation Cooperation; Non-disparagement.

(a) Confidentiality. During the Term and at all times thereafter, Executive shall not
disclose to anyone (except in good faith in the ordinary course of business to a person who will be
advised by Executive to keep such information confidential) or make use of any Confidential
Information except in the performance of his duties hereunder or when required to do so by legal
process, by any governmental agency having supervisory authority over the business of CRM or by any
administrative or legislative body (including a committee thereof) that requires him to divulge,
disclose or make accessible such information. In the event that Executive is so ordered, he shall
give prompt written notice to CRM to allow CRM the opportunity to object to or otherwise resist
such order.

For purposes of this Agreement, “Confidential Information” shall mean all information
concerning the business of CRM relating to any of their products, product development, trade
secrets, customers, suppliers, finances, and business plans and strategies. Excluded from the
definition of Confidential Information is information (i) that is or becomes part of the public
domain, other than through the breach of this Agreement by Executive or (ii) regarding CRM’s
business or industry properly acquired by Executive in the course of his career as an executive in
CRM’s industry and independent of Executive’s employment by CRM. For this purpose, information
known or available generally within the trade or industry of CRM shall be deemed to be known or
available to the public.

(b) Litigation Cooperation. Executive agrees to cooperate with CRM, during the Term
and thereafter (including following Executive’s termination of employment for any reason), by
making himself reasonably available to testify on behalf of CRM in any action, suit, or proceeding,
whether civil, criminal, administrative, or investigative, and to assist CRM, in any such action,
suit, or proceeding, by providing information and meeting and consulting with the Board or its
representatives or counsel, or representatives or counsel to CRM, as reasonably requested. CRM
agrees to reimburse Executive, on an after-tax basis, for reasonable expenses actually incurred in
connection with his provision of testimony or assistance.

(c) Non-Disparagement. Executive agrees that, during the Term and thereafter
(including following Executive’s termination of employment for any reason) he will not make
statements or representations, or otherwise communicate, directly or indirectly, in writing,
orally, or otherwise, or take any action which may, directly or indirectly, disparage the products,
services, or actions of CRM or any Affiliate, or it or their respective officers, directors,
employees, advisors, businesses or reputations provided, however, that Executive shall be permitted
to respond to any statements or communications by the directors and/or executive officers of CRM
which may directly or indirectly, disparage Executive, his business or reputation. However,
nothing in this Agreement shall preclude either of Executive or CRM from making truthful statements
or disclosures required by applicable law, regulation or legal process.

	 	12.	 	Non-competition.

(a) During the Restriction Period (as defined in Section 12(b) below), Executive shall not
engage in Competition with CRM or any Subsidiary. “Competition” shall mean engaging in any
activity ,directly or indirectly, for a Competitor of CRM or any Subsidiary, whether as an
employee, consultant, principal, agent, officer, director, partner, shareholder (except as a less
than one percent shareholder of a publicly traded company) or otherwise. A “Competitor” shall mean
any corporation or other entity which competes with the business conducted by CRM or any
Subsidiary, as determined on the date of termination of Executive’s employment. If Executive
commences employment or becomes a consultant, principal, agent, officer, director, partner, or
shareholder of any entity that is not a Competitor at the time Executive initially becomes employed
or becomes a consultant, principal, agent, officer, director, partner, or shareholder of the
entity, future activities of such entity shall not result in a violation of this provision unless
(x) such activities were contemplated by Executive at the time Executive initially became employed
or becomes a consultant, principal, agent, officer, director, partner, or shareholder of the entity
or (y) Executive commences directly or indirectly overseeing or managing the activities of an
entity which becomes a Competitor during the Restriction Period, which activities are competitive
with the activities of CRM. Executive shall not be deemed indirectly overseeing or managing the
activities of such Competitor which are competitive with the activities of CRM so long as he does
not regularly participate in discussions with regard to the conduct of the competing business.

(b) For the purposes of this Section 12, “Restriction Period” shall mean the period beginning
with the Effective Date and ending with the later of 12 months from the Termination Date or the
last day of the period during which the Executive is to receive severance payments.

(c) Reasonable Restrictions While the restrictions in Sections 11, 12 and 13 (on which the
Executive has had the opportunity to take independent advise of legal counsel, as the Executive
hereby acknowledges) are considered by the parties to be reasonable in all of the circumstances, it
is agreed that if any such restrictions, by themselves, or taken together, shall be adjudged to go
beyond what is reasonable in all the circumstances for the protection of the legitimate interests
of the Company but would be adjudged reasonable if part or parts of the wording thereof were
deleted, the relevant restriction or restrictions shall apply with such deletion(s) as may be
necessary to make it or them valid and effective.

	 	13.	 	Non-solicitation.

During the Restriction Period, Executive shall not induce employees of CRM to terminate their
employment, nor shall Executive solicit or encourage any of CRM’s customers, or any corporation or
other entity in a joint venture relationship (directly or indirectly) with CRM, to terminate or
diminish their relationship with CRM or to violate any agreement with any of them. During such
period, Executive shall not hire, either directly or through any employee, agent or representative,
any employee of CRM or any person who was employed by CRM within 180 days of such hiring.

	 	14.	 	Remedies.

If Executive breaches any of the provisions contained in Sections 11, 12 or 13 above, CRM (a)
shall have the right to immediately terminate all payments and benefits due under this Agreement
and (b) shall have the right to seek injunctive relief. Executive acknowledges that such a breach
of Sections 11, 12 or 13 would cause irreparable injury and that money damages would not provide an
adequate remedy for CRM; provided, however, the foregoing shall not prevent Executive from
contesting the issuance of any such injunction on the ground that no violation or threatened
violation of Section 11, 12 or 13 has occurred.

	 	15.	 	Resolution of Disputes.

Any controversy or claim arising out of or relating to this Agreement or any breach or
asserted breach hereof or questioning the validity and binding effect hereof arising under or in
connection with this Agreement, (other than seeking injunctive relief under Section 14), shall be
resolved by binding arbitration, to be held at an office closest to CRM’s principal offices in
accordance with the rules and procedures of the American Arbitration Association. Judgment upon
the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.
All costs and expenses of any arbitration or court proceeding (including fees and disbursements of
counsel) shall be borne by the respective party incurring such costs and expenses. The arbitrator
or court may award reasonable costs and expenses to a party that substantially prevails in such
arbitration or court proceeding. Each party to this agreement hereby waives and shall not seek a
jury trial in any lawsuit, proceeding, claim, counterclaim, defense or other litigation or dispute
under or in respect of this agreement.

	 	16.	 	Indemnification.

(a) Company Indemnity. CRM agrees that if Executive is made a party, or is threatened
to be made a party, to any action, suit or proceeding, whether civil, criminal, administrative or
investigative (a “Proceeding”), by reason of the fact that he is or was a director, officer or
employee of CRM or is or was serving at the request of CRM as a director, officer, member, employee
or agent of another corporation, partnership, joint venture, trust or other enterprise, including
service with respect to employee benefit plans, whether or not the basis of such Proceeding is
Executive’s alleged action in an official capacity while serving as a director, officer, member,
employee or agent, Executive shall be indemnified and held harmless by CRM to the fullest extent
legally permitted or authorized by CRM’s by-laws or resolutions of CRM’s Board or, if greater, by
the laws of the State of New York against all cost, expense, liability and loss (including, without
limitation, attorney’s fees, judgments, fines, ERISA excise taxes or penalties and amounts paid or
to be paid in settlement) reasonably incurred or suffered by Executive in connection therewith, and
such indemnification shall continue as to Executive even if he has ceased to be a director, member,
officer, employee or agent of CRM or other entity and shall inure to the benefit of Executive’s
heirs, executors and administrators. CRM shall advance to Executive all reasonable costs and
expenses to be incurred by him in connection with a Proceeding within 20 days after receipt by CRM
of a written request for such advance. Such request shall include an undertaking by Executive to
repay the amount of such advance if it shall ultimately be determined that he is not entitled to be
indemnified against such costs and expenses. The provisions of this Section 16(a) shall not be
deemed exclusive of any other rights of indemnification to which Executive may be entitled or which
may be granted to him, and it shall be in addition to any rights of indemnification to which he may
be entitled under any policy of insurance.

(b) No Presumption Regarding Standard of Conduct. Neither the failure of CRM
(including its Board, independent legal counsel or shareholders) to have made a determination prior
to the commencement of any proceeding concerning payment of amounts claimed by Executive under
Section 16(a) above that indemnification of Executive is proper because he has met the applicable
standard of conduct, nor a determination by CRM (including its Board, independent legal counsel or
stockholders) that Executive has not met such applicable standard of conduct, shall create a
presumption that Executive has not met the applicable standard of conduct.

(c) Liability Insurance. CRM agrees to continue and maintain a directors and
officers’ liability insurance policy covering Executive to the extent CRM provides such coverage
for its other executive officers.

	 	17.	 	Miscellaneous.

(a) Other Benefits. Except as specifically provided in this Agreement, the existence
of this Agreement shall not be interpreted to preclude, prohibit or restrict Executive’s
participation in any other employee benefit or other plans or programs in which he currently
participates.

(b) Assignability; Binding Nature. This Agreement shall be binding upon and inure to
the benefit of the Parties and their respective successors, heirs (in the case of Executive) and
permitted assigns. No rights or obligations of CRM under this Agreement may be assigned or
transferred by CRM except that such rights or obligations may be assigned or transferred in
connection with the sale or transfer of all or substantially all of the assets of CRM, provided
that the assignee or transferee is the successor to all or substantially all of the assets of CRM
and such assignee or transferee assumes the liabilities, obligations and duties of CRM, as
contained in this Agreement, either contractually or as a matter of law. No rights or obligations
of Executive under this Agreement may be assigned or transferred by Executive other than his rights
to compensation and benefits, which may be transferred only by will or operation of law.

(c) Representation. CRM represents and warrants that it is fully authorized and
empowered to enter into this Agreement and that the performance of its obligations under this
Agreement will not violate any agreement between it and any other person, firm or organization.
Executive represents and warrants that the performance of his obligations under this agreement will
not violate any agreement between him and any other person, firm or organization.

(d) Entire Agreement. This Agreement shall become effective as of the Effective Date.
This Agreement contains the entire understanding and agreement between the Parties concerning the
subject matter hereof and, as of the Effective Date, supersedes all prior agreements,
understandings, discussions, negotiations and undertakings, whether written or oral, between the
Parties with respect thereto.

(e) Amendment or Waiver. No provision in this Agreement may be amended unless such
amendment is agreed to in writing and signed by Executive and an authorized officer of CRM. Except
as set forth herein, no delay or omission to exercise any right, power or remedy accruing to any
Party shall impair any such right, power or remedy or shall be construed to be a waiver of or an
acquiescence to any breach hereof. No waiver by either Party of any breach by the other Party of
any condition or provision contained in this Agreement to be performed by such other Party shall be
deemed a waiver of a similar or dissimilar condition or provision at the same or any prior or
subsequent time. Any waiver must be in writing and signed by Executive or an authorized officer of
CRM, as the case may be.

(f) Severability. In the event that any provision or portion of this Agreement shall
be determined to be invalid or unenforceable for any reason, in whole or in part, the remaining
provisions of this Agreement shall be unaffected thereby and shall remain in full force and effect
to the fullest extent permitted by law.

(g) Survivorship. The respective rights and obligations of the Parties hereunder
shall survive any termination of Executive’s employment to the extent necessary to the intended
preservation of such rights and obligations.

(h) Beneficiaries/References. Executive shall be entitled, to the extent permitted
under any applicable law, to select and change a beneficiary or beneficiaries to receive any
compensation or benefit payable hereunder following Executive’s death by giving CRM written notice
thereof. In the event of Executive’s death or a judicial determination of his incompetence,
reference in this Agreement to Executive shall be deemed, where appropriate, to refer to his
beneficiary, estate or other legal representative.

(i) Governing Law/Jurisdiction. This Agreement shall be governed by and construed and
interpreted in accordance with the laws of New York without reference to principles of conflict of
laws. Subject to the provisions of Section 15 above, CRM and Executive hereby consent to the
jurisdiction of any or all of the following courts for purposes of resolving any dispute under this
Agreement: (i) the United States District Court for New York or (ii) any of the courts of the State
of New York. CRM and Executive further agree that any service of process or notice requirements in
any such proceeding shall be satisfied if the rules of such court relating thereto have been
substantially satisfied. CRM and Executive hereby waive, to the fullest extent permitted by
applicable law, any objection which it or he may now or hereafter have to such jurisdiction and any
defense of inconvenient forum.

(j) Notices. Any notice given to a Party shall be in writing and shall be deemed to
have been given when delivered personally or sent by certified or registered mail, postage prepaid,
return receipt requested, duly addressed to the Party concerned at the address indicated below or
to such changed address as such Party may subsequently give such notice of:

	 	 	 
	If to CRM:

If to Executive:
	 	CRM Holdings, Ltd.

Skandia International House

40 Church Street

Hamilton HM 12 Bermuda

Mr. Joseph Taylor

[address]

[address]

(k) Headings. The headings of the sections contained in this Agreement are for
convenience only and shall not be deemed to control or affect the meaning or construction of any
provision of this Agreement.

(l) Counterparts. This Agreement may be executed in two or more counterparts.

(m) Taxes and Withholdings; Section 409A.  The payments and benefits to be made
pursuant to this Agreement shall be subject to all applicable withholdings for federal, state and
local income taxes, Social Security, and all other customary withholdings.  The Company makes no
representations regarding the tax implications of the compensation, payments and benefits to be
paid to Executive under this Agreement.  It is the intention of the parties that payments and
benefits under this Agreement be interpreted to be exempt from or in compliance with Section 409A
of the Internal Revenue Code of 1986, as amended (the “Code”) and accordingly, to the maximum
extent permitted, this Agreement shall be interpreted to be exempt from or in compliance with
Section 409A.  Notwithstanding anything herein to the contrary, if (i) at the time of Executive’s
“separation from service” (as defined in Treas. Reg. Section 1.409A-1(h)) with CRM other than as a
result of his death, (ii) Executive is a “specified employee” (as defined in Section
409A(a)(2)(B)(i)), (iii) one or more of the payments or benefits received or to be received by
Executive pursuant to this Agreement would constitute deferred compensation subject to Section
409A, and (iv) the deferral of the commencement of any such payments or benefits otherwise payable
hereunder as a result of such separation of service is necessary in order to prevent any
accelerated or additional tax under Section 409A, then CRM will defer the commencement of the
payment of any such payments or benefits hereunder to the extent necessary (without any reduction
in such payments or benefits ultimately paid or provided to Executive) until the date that is six
months following Executive’s separation from service with CRM (or the earliest date as is permitted
under Section 409A of the Code).  Any payment deferred during such six-month period shall be paid
in a lump sum on the day following such six-month period.  Any remaining payments or benefits shall
be made as otherwise scheduled under this Agreement.  Furthermore, to the extent any other payments
of money or other benefits due to Executive hereunder could cause the application of an accelerated
or additional tax under Section 409A, such payments or other benefits shall be deferred if deferral
will make such payment or other benefits compliant under Section 409A, or otherwise such payment or
other benefits shall be restructured, to the extent possible, in a manner determined by CRM that
does not cause such an accelerated or additional tax.  To the extent any reimbursements or in-kind
benefits due to Executive under this Agreement constitute deferred compensation under Section 409A
of the Code, any such reimbursements or in-kind benefits shall be paid to Executive in a manner
consistent with Treas. Reg. Section 1.409A-3(i)(1)(iv).  Each payment made under this Agreement
shall be designated as a “separate payment” within the meaning of Section 409A.

(n) Parachute Payments.  Notwithstanding anything herein to the contrary, in the event
that Executive would otherwise have received any payments or distributions, whether payable or
distributed or distributable pursuant to the terms of this Agreement or otherwise, that constitute
“parachute payments” within the meaning of Section 280G of the Code (the “Parachute Payments”),
Executive shall receive the greater net after-tax amount (taking into account all applicable taxes
payable by Executive, including any excise tax imposed under Section 4999 of the Code (the “ Excise
Tax”)) of (i) the Parachute Payments and (ii) an amount equal to the  Parachute Payments reduced by
the smallest amount necessary to take the Parachute Payments under the Excise Tax threshold.

2

IN WITNESS WHEREOF, the undersigned have executed this Agreement as of the date first written
above.

CRM HOLDINGS, LTD.

By: /s/ Salvatore A. Patafio

Name: Salvatore A. Patafio

Title: Chairman of Compensation Committee

By: /s/ Joseph F. Taylor

	 	 	Name: Joseph F. Taylor

3

EXHIBIT A

Defined Terms

	(a)	 	“Accrued Amounts” has the meaning set forth in Section 10(a).

	(b)	 	“Base Salary” has the meaning set forth in Section 3.

	(c)	 	“Cause” shall have meaning set forth in Section 10(c).

	(d)	 	“Change in Control” shall have meaning set forth in Section 10(g).

	 	 	 
	(e)

(f)

(g)

(h)

(i)

(j)

(k)

(l)

(m)

(n)

(o)
	 	“Compensation Committee” has the meaning set forth in Section 3.

“Competitor” or “Competition” has the meaning set forth in Section 12(a).

“Confidential Information” has the meaning set forth in Section 11(a).

“Disability” has the meaning set forth in Sections 8 and 10(b).

“Entitlements” has the meaning set forth in Section 10(a).

“Equity Acceleration” shall have meaning set forth in Section 10(a).

“Good Reason” has the meaning set forth in Section 10(g).

“Proceeding” has the meaning set forth in Section 16(a).

“Pro Rata Annual Incentive” has the meaning set forth in Section 10(a).

“Restriction Period” has the meaning set forth in Section 12(b).

“Stock” means the common shares of CRM, par value $0.01 per share.

	(p)	 	”Target” means the target level of performance and associated Annual Incentive designated by
the Compensation Committee with respect to Executive for that relevant operating period.

	 	 	 
	(q)

(r)

(s)
	 	“Term” has the meaning set forth in Section 1.

“Termination Date” has the meaning set forth in Section 10(a).

“Welfare Benefits” has the meaning set forth in Section 7.

4IMPERIAL INDUSTRIES, INC.

EXHIBIT 10.1

FOURTH AMENDMENT TO FORBEARANCE AGREEMENT

THIS FOURTH AMENDMENT TO FORBEARANCE AGREEMENT (the "Fourth Amendment") is made and entered into as of November 30, 2009, by and among PREMIX-MARBLETITE MANUFACTURING CO. ("Premix"), DFH, INC., formerly known as Acrocrete, Inc. and Acro Holdings, Inc. ("DFH"), and JUST-RITE SUPPLY, INC. ("Just-Rite"), each a Florida corporation (each a "Borrower" and collectively, "Borrowers"); IMPERIAL INDUSTRIES, INC., a Delaware corporation ("Guarantor"); MICHAEL PHELAN, as assignee for the benefit of the creditors of Just-Rite, and not individually ("Assignee"); and WACHOVIA BANK, NATIONAL ASSOCIATION, a national banking association and successor to Congress Financial Corporation (Florida) under the Loan Agreement (defined below) ("Lender").

Recitals:

Lender and Borrowers entered into a certain Consolidating, Amended and Restated Financing Agreement and Security Agreement dated January 28, 2000 (as amended, restated, modified and supplemented from time to time, the "Loan Agreement"), pursuant to which Lender has made loans and other extensions of credit to Borrowers, which loans and extensions of credit are secured by security interest in and liens upon all of the assets of Borrowers and guaranteed unconditionally by Guarantor.

In addition, Wachovia Financial Services, Inc. ("WFS"), a subsidiary of Wachovia Bank, National Association, leased to Just-Rite certain motor vehicles pursuant to (i) a Master Equipment Lease dated March 19, 2007, (ii) Lease Schedule No. 1 dated March 19, 2007, (iii) Lease Schedule No. 2 dated as of May 16, 2007, and (iv) certain related documents and agreements, in each case between WFS and Just-Rite (collectively, as at any time amended, modified or supplemented, the "Lease Documents").    Pursuant to an Unconditional Guaranty dated March 19, 2007 (as at any time amended, modified or supplemented, the "Premix Lease Guaranty"), and an Unconditional Guaranty dated May 16, 2007 (as at any time amended, modified or supplemented, the "Imperial Lease Guaranty"; and together with the Premix Lease Guaranty, the "Lease Guaranties"), each of Premix and Imperial have guaranteed the payment and performance of all obligations owed by Just-Rite to WFS under the Lease Documents (collectively, the "Lease Obligations").  The secured "Obligations" under (and as defined in) the Loan Agreement include, without limitation, all indebtedness and other obligations at any time owed by Just-Rite or Premix to any affiliate of Lender, and WFS is an affiliate of Lender.

Just-Rite has made an assignment for the benefit of its creditors under Florida law, styled In re Just-Rite Supply, Inc., Assignor, to Michael Phelan, Assignee, Case No. CACE 2009 09032744XXXX (04), In the Circuit Court of the 17th Judicial Circuit, In and For Broward County, Florida (the "ABC").  Assignee is the assignee in the ABC.

Lender, Borrowers and Guarantor entered into a Forbearance and Amendment Agreement dated June 9, 2009 (as at any time amended, the "Forbearance Agreement"). By separate written agreement, Assignee has agreed to be bound by the Loan Agreement and the Forbearance Agreement.   On or about August 7, 2009, Lender, Borrowers, Guarantor and Assignee entered into a First Amendment to Forbearance Agreement dated as of August 7, 2009 (the "First Amendment").  On or about August 28, 2009, Lender, Borrowers, Guarantor and Assignee entered into a Second Amendment to Forbearance Agreement dated as of August 28, 2009 (the "Second Amendment").   On or about September 30, 2009, Lender, Borrowers, Guarantor and Assignee entered into a Third Amendment to Forbearance Agreement dated as of September 30, 2009 (the "Third Amendment").

Borrowers, Guarantor and Assignee have requested that the Forbearance Agreement be amended, and Lender is willing to amend the Forbearance Agreement as hereinafter set forth.

NOW, THEREFORE, for TEN DOLLARS ($10.00) in hand paid and in consideration of the premises and the mutual covenants herein contained, the parties hereto, intending to be legally bound hereby, agree as follows:

1.

Definitions.  All capitalized terms used in this Fourth Amendment, unless otherwise defined, shall have the meanings ascribed to such terms in the Forbearance Agreement; provided that as used herein, the term "Obligor" shall mean and include Borrowers, Guarantor and the Assignee (solely in his capacity as assignee in the ABC, and not individually).

2.

Acknowledgments and Stipulations of Obligors.   

(a)

Each Obligor acknowledges, stipulates and agrees that (1) as of the opening of business on November 30, 2009, the aggregate net principal balance of Revolving Loans outstanding under the Loan Agreement, exclusive of accrued interest, costs, bank fees and attorneys' fees chargeable to Obligors under the Financing Agreements, totaled approximately $12,718; (2) as of the date hereof, the principal amount of the Lease Obligations, excluding late fees, legal fees and other expenses and charges, equaled approximately $164,031; (3) all of the Obligations are absolutely due and owing to Lender without any defense, deduction, offset or counterclaim (and, to the extent any Obligor had any defense, deduction, offset or counterclaim on the date hereof, the same is hereby waived); (4) Events of Default have occurred and exist under the Financing Agreements, (5) the Financing Agreements executed by each Borrower are legal, valid and binding obligations of such Borrower enforceable against such Borrower in accordance with their terms; (6) the security interests granted by each Borrower to Lender in the Accounts, Inventory, general intangibles and other Collateral are duly perfected security interests in such Collateral; (7) each of the Guaranty and Waiver Agreements executed by Guarantor (collectively, the "Guaranties") is a legal, valid and binding obligation of Guarantor and is enforceable against Guarantor in accordance with its terms; (8) each of the recitals contained at the beginning of this Fourth Amendment is true and correct; and (9) prior to executing this Fourth Amendment, each Obligor consulted with and had the benefit of advice of legal counsel of its own selection and each has relied upon the advice of such counsel, and in no part upon any representation of Lender concerning the legal effects of this Fourth Amendment or any provision hereof.

(b)

In addition, each Obligor acknowledges, stipulates and agrees that certain Forbearance Conditions have not been satisfied.

(c)

Further, each Obligor acknowledges, stipulates and agrees that, considering the inability of Obligors to determine and report to Lender the quantity, quality or value of the remaining assets owned by Just-Rite, the widespread disputes that exist between Just-Rite (or the Assignee on behalf of Just-Rite) and the customers of Just-Rite with respect to Accounts owed by such customers, the collection risks that exist with respect to undisputed Accounts owed to Just-Rite, and the inaccuracies in Just-Rite's previous assessments of the quantity and value of its Inventory, none of the assets of Just-Rite qualifies or should be treated as Eligible Accounts or Eligible Inventory.

3.

Amendments to Forbearance Agreement.  The Forbearance Agreement is hereby amended as follows:

(a)

By adding the following paragraph after the first paragraph of the Recitals to the Forbearance Agreement:

In addition, Wachovia Financial Services, Inc. ("WFS"), a subsidiary of Wachovia Bank, National Association, leased to Just-Rite certain motor vehicles pursuant to (i) a Master Equipment Lease dated March 19, 2007, (ii) Lease Schedule No. 1 dated March 19, 2007, (iii) Lease Schedule No. 2 dated as of May 16, 2007, and (iv) certain related documents and agreements, in each case between WFS and Just-Rite (collectively, as at any time amended, modified or supplemented, the "Lease Documents").    Pursuant to an Unconditional Guaranty dated March 19, 2007 (as at any time amended, modified or supplemented, the "Premix Lease Guaranty"), and an Unconditional Guaranty dated May 16, 2007 (as at any time amended, modified or supplemented, the "Imperial Lease Guaranty"; and together with the Premix Lease Guaranty, the "Lease Guaranties"), each of Premix and Imperial have guaranteed the payment and performance of all obligations owed by Just-Rite to WFS under the Lease Documents (collectively, the "Lease Obligations"). Further, the secured "Obligations" under (and as defined in) the Loan Agreement include, without limitation, all indebtedness and other obligations at any time owed by Just-Rite or Premix to any affiliate of Lender, and WFS is an affiliate of Lender.

(b)

In Section 1, by deleting the date "November 30, 2009" in the definition of "Forbearance Period" and by substituting in lieu thereof the date "January 29, 2010". 

(c)

In Section 3(b), by adding the following at the end thereof:

In addition, Obligors agree to pay Lender, jointly and severally, a forbearance fee in the amount of $20,000 (the "Forbearance Fee"). A portion of the Forbearance Fee in the amount of $10,000 shall be fully earned and non-refundable on December 1, 2009, and the remaining $10,000 of the Forbearance Fee shall be fully earned and non-refundable on January 4, 2010.  The entire Forbearance Fee shall be due and payable to Lender on January 4, 2010.  Each Obligor irrevocably authorizes Lender to make a Revolving Loan to Borrowers in the amount of such Forbearance Fee and to disburse the proceeds of such Revolving Loan directly to itself in payment of such fee.

(d)

In Section 7, by adding at the end thereof the following:

On the Forbearance Termination Date, Guarantor shall pay to Lender, in immediately available funds, the amount of all unpaid Obligations (as defined in the Loan Agreement), provided that the foregoing covenant by Guarantor shall not in any way (i) change or limit the joint and several nature of the liability of each Obligor, (ii) require Lender to seek recourse first against Guarantor, or (iii) alter, amend or modify any of Lender's claims, rights or remedies against each Obligor and the Collateral.

(e)

By deleting Subsection 8(b) in its entirety and by substituting in lieu thereof the following:

(b)

For purposes of notice to Premix and the Assignee, but without in any way limiting the sole and absolute discretion of Lender to make or to decline to make any Revolving Loan, in considering requests for Revolving Loans, among other factors, Lender intends to use $100,000 as the Maximum Credit under the Loan Agreement.  Each Obligor hereby agrees that all Availability Reserves implemented by Lender and the foregoing changes to the borrowing formulas in the Loan Agreement are reasonable and justified by the financial condition of Borrowers and the current state of the Collateral.

(f)

By adding a new Section 8.1 after Section 8, as follows:

8.1.

Payment of Lease Obligations; Pledge of Certificate of Deposit.

(a)

On or before December 4, 2009, and continuing on the Friday of each calendar week thereafter, Imperial shall pay to WFS equal, consecutive weekly payments each in the amount of $10,000, to be applied as partial payments of the Lease Obligations.  Payments to WFS shall be made payable to "Wachovia Financial Services, Inc." and delivered to Wachovia Financial Services, Inc., 1339 Chestnut Street, Mail Code Y1378-100, Widener Building, Philadelphia, Pennsylvania 19107, Attn:  Joseph Letts.  The acceptance by WFS of such partial payments of the Lease Obligations shall not reinstate the term of the Lease Documents; constitute a novation or an accord and satisfaction; constitute a waiver by WFS of any event of default or its right to collect the full amount of the Lease Obligations from each Obligor, jointly and severally; or otherwise amend, abrogate or affect any of the rights and remedies of WFS under the Lease Documents and Lease Guaranties.  

(b) 

On or before November 30, 2009, Imperial shall purchase a Certificate of Deposit from Wachovia Bank, National Association, in the amount of $100,000 (the "CD") and shall contemporaneously execute and deliver to Lender a collateral assignment of the CD in favor of Lender, for the benefit of itself and WFS, to secure all of the Obligations (including, without limitation, the Revolving Loans and the Lease Obligations).   The form and substance of the CD and the collateral assignment thereof shall be acceptable to Lender in its sole discretion.

4.

Ratification and Reaffirmation.  Each Obligor hereby ratifies and reaffirms the Loan Agreement, the Forbearance Agreement and the other Financing Agreements and all of its obligations and liabilities thereunder.  Each Obligor also ratifies and reaffirms the Lease Documents and Lease Guaranties to which such Obligor is a party and all of such Obligor's obligations and liabilities thereunder.

5.

No Novation.  Except for the amendments expressly provided in Section 3 of this Fourth Amendment, nothing herein shall be deemed to amend or modify any provision of the Forbearance Agreement, the First Amendment, the Second Amendment, the Third Amendment, the Loan Agreement or the other Financing Documents, which shall continue in full force and effect.  This Fourth Amendment is not intended to be, nor shall it be construed to create, a novation or an accord and satisfaction.

6.

Non-Waiver of Default; Reservation of Rights and Remedies; Strict Compliance. Neither this Fourth Amendment nor any Revolving Loans made by Lender shall be deemed to constitute a waiver of or consent to any Stipulated Default, any other Event of Default or any failure to satisfy any Forbearance Condition or a commitment or agreement make any Revolving Loans. Lender reserves all of the rights and remedies available to it under the Financing Agreements and Applicable Law.  Each Obligor hereby agrees that, notwithstanding any temporary variation from the terms of the Forbearance Agreement or Loan Agreement that may have occurred in the past, such Obligor, from and after the date hereof, shall strictly comply with all of the terms and conditions in the Forbearance Agreement, the Loan Agreement and the other Financing Agreements.

7.

Specific Waivers by Assignee.  Assignee hereby waives and releases (i) any claim or cause of action that may exist against Lender under F.S.A. § 727.109(8) or otherwise, and (ii) any right that he may have to seek to surcharge any Collateral for any costs or expenses of, or that may arise or exist in connection with, the ABC.

8.

Payment of Expenses.  Each Obligor hereby agrees to pay, on demand, all expenses, including, without limitation, legal fees, incurred by Lender in connection with the negotiation, drafting, execution and implementation of this Fourth Amendment.  

9.

Counterparts; Electronic Signatures.  This Fourth Amendment may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall constitute an original, but all of which taken together shall be one and the same instrument.  In proving this Fourth Amendment, it shall not be necessary to produce or account for more than one such counterpart signed by the party against whom enforcement is sought.  Any signed counterpart of this Fourth Amendment that is transmitted by facsimile or electronic transmission shall be deemed to constitute an original counterpart for all purposes.

10.

Governing Law; Waiver of Notice of Acceptance.  This Fourth Amendment shall be deemed to be a contract governed by and construed in accordance with the internal laws of the State of Florida.  Each Obligor hereby waives notice of the acceptance of this Fourth Amendment.

11.

Release of Claims.  To induce Lender to enter into this Fourth Amendment, each Obligor hereby releases, acquits and forever discharges Lender, and all of its officers, directors, agents, employees, attorneys, affiliates (including WFS), successors and assigns, from all liabilities, claims, demands, actions or causes of action of any kind (if any there be), whether absolute or contingent, due or to become due, disputed or undisputed, liquidated or unliquidated, at law or in equity, or known or unknown, that any one or more of them now have or ever have had against Lender, whether arising under or in connection with any of the Financing Agreements, the Forbearance Agreement, the Lease Documents, this Fourth Amendment or otherwise.

12.

Waiver of Jury Trial.  To the fullest extent permitted by Applicable Law, each of the parties hereto waives the right to trial by jury in any action, suit or proceeding arising out of or related to this Fourth Amendment, the Forbearance Agreement, the Loan Agreement, the Guaranties or the Lease Documents.

{remainder of page intentionally blank; signatures commence on following page}

IN WITNESS WHEREOF, the parties hereto have caused this Fourth Amendment to be duly executed and delivered on the date first written above.

PREMIX-MARBLETITE MANUFACTURING CO.

("Borrower")

By:_/s/ Howard L. Ehler, Jr._____

   Title:_Vice President      ______

DFH, INC.

("Borrower")

By:_/s/ Howard L. Ehler, Jr. ____

   Title:_Vice President ________

JUST-RITE SUPPLY, INC.

("Borrower")

By:__/s/ Howard L. Ehler, Jr.____

   Title:__Vice President________

IMPERIAL INDUSTRIES, INC.

("Guarantor")

By:__/s/ Howard L. Ehler, Jr. ___

   Title:_Chief Operating Officer_

{signatures continued on following page}

_/s/ Michael Phelan___________

MICHAEL PHELAN, solely as 

Assignee and not individually

Accepted:

WACHOVIA BANK,

NATIONAL ASSOCIATION

("Lender")

By:_/s/ Wanda Alverio__________

Title:_Vice President        ______

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