Document:

Exhibit 10.13 (22)
                                 ADDENDUM NO. 5

                                       to

                        QUOTA SHARE REINSURANCE AGREEMENT
                           EFFECTIVE JANUARY 1ST 2000

                                     between

                 SUPERIOR INSURANCE COMPANY AND ITS WHOLLY-OWNED
                              INSURANCE SUBSIDARIES
                        (hereafter called the "Company")

                                       and

                    NATIONAL UNION FIRE INSURANCE COMPANY OF
                                 PITTSBURGH, PA.
                       (hereafter called the "Reinsurer")

Notwithstanding  the  condition  of Article VII COMMUTATION it is understood and
agreed that all liabilities emanating from losses on business effective prior to
January  1st,  2002  are  commuted  effective September 30, 2002.  The Reinsurer
shall allow a payment equal to the amount of funds in the Funds Withheld Balance
on  September  30,  2002.  The  Company  is granted permission to withdraw those
funds and agrees to forever release and discharge the Reinsurer from any and all
liabilities  whether  past,  present  or  future  on policies effective prior to
January  1st,  2002.  It  is  understood  that no further reports are due to the
Reinsurer  for  this  business.

IN  WITNESS  WHEREOF:  the  parties  hereto  have  caused  this  Agreement to be
executed  by  their  authorized  representative:

In:_______________________________this___________day  of__________________2002

                           SUPERIOR INSURANCE COMPANY

By:_______________________________Title:______________________________

And  in:____________________________this___________day of___________________2002

             NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA

By:_______________________________Title:_____________________________Exhibit 10.26
                                 EXECUTION COPY
                                 EXECUTION COPY

                     CONSULTING AND NONCOMPETITION AGREEMENT

This Consulting and Noncompetition Agreement ("Agreement") is made as of May 23,
2001  by  and between Goran Capital Inc., a Canadian corporation, for itself and
on  behalf  of all of its affiliates except Symons International Group, Inc., an
Indiana  corporation  ("SIG")  (collectively,  "Goran") and Acceptance Insurance
Companies  Inc.,  a Delaware corporation, for itself and on behalf of all of its
affiliates and assignees (collectively, "Purchaser").  Capitalized terms used in
this Agreement and not otherwise defined herein shall have the meanings ascribed
to  them  in the Asset Purchase Agreement (the "Asset Purchase Agreement") dated
as  of  May  23,  2001  by  and among Goran, SIG, IGF Holdings, Inc., an Indiana
corporation  ("IGFH"),  IGF  Insurance Company, an Indiana insurance corporation
("IGF"),  Acceptance  and  others.
WHEREAS, pursuant to the Asset Purchase Agreement the Sellers sold and Purchaser
purchased  certain  assets  associated  with  the  Business;
WHEREAS, Goran is highly knowledgeable regarding the Business, has been involved
in  the  direction  and  conduct of the Business for more than five years and is
also  highly  knowledgeable  regarding  the  Business  of  Sellers  as generally
conducted by them throughout the 2001 MPCI Crop Year and the 2001 Crop Hail Year
(the  "Sellers  Business");
WHEREAS,  Purchaser  desires  to  induce  Goran  to  provide  Purchaser  certain
consulting  services  between  the Closing and the third anniversary date of the
Closing;
WHEREAS,  Purchaser desires to induce Goran not to engage in the Business in any
form  prior  to  the  third  anniversary  date  of  the  Closing;  and
WHEREAS,  Goran  and  Purchaser  jointly  desire  that  Goran receive reasonable
compensation  (i) for its provision of consulting services to Purchaser and (ii)
for  agreeing  not  to  engage  in  the  Business in any form prior to the third
anniversary  date  of  the  Closing.
NOW,  THEREFORE,  Goran  and  Purchaser  hereby  agree  as  follows:
     1.     Confidential  Information.
     (a)     Goran  acknowledges  that:
     (i)     The  Business  is  a  specialized  form  of insurance in a national
market  not  capable  of  geographic  description  or  limitation;  and
(ii)     Because  of  the  nature  of  Goran's  knowledge,  experience  and
relationships  with  respect  to  the  Business,  Goran has and will continue to
receive,  conceive,  originate,  discover  or  develop, information and data not
generally  known  in  the insurance industry and not freely available to persons
who  are  not  providing  services  to  Sellers,  regarding  Sellers'  agents,
reinsurers,  underwriting  practices  and experience, business operations, legal
and  regulatory affairs, business opportunities, procedures, policies, products,
services,  customer  lists,  financial data, pricing, trade secrets, management,
market  research  and  forecasts,  product  development,  marketing strategy and
activities  and  other  operations,  plans  and  perspectives  of  Sellers
(collectively,  "Confidential  Information").  All such Confidential Information
pertaining  to the Business which is received, conceived, originated, discovered
or  developed  at  and  before Closing shall be deemed "Proprietary Confidential
Information"  for purposes of this Agreement.  All such Confidential Information
other  than  Proprietary  Confidential  Information regardless of when received,
conceived,  originated,  discovered or developed shall be deemed "Nonproprietary
Confidential  Information"  for  purposes  of  this  Agreement.
     (b)     Goran  agrees  that  it  will  not  use  or  disclose  Proprietary
Confidential  Information  at  any  time  during  or  after  termination of this
Agreement  and  that  it  shall  not use or disclose Nonproprietary Confidential
Information  at  any  time  during  the  term  of  this  Agreement.
     2.     Noncompetition.
     (a)     From  the  Closing until the third anniversary date of the Closing,
Goran  will  not  directly  or  indirectly:
     (i)     solicit,  divert  or  interfere  with  any  business,  financial,
insurance  or  other  relationships  which  Sellers  had,  with  respect  to the
Business,  prior  to  Closing  with  any  customer,  agent,  employee, vendor or
reinsurer  of Sellers prior to Closing, and which relationship Purchaser has not
terminated;  or
(ii)     induce  or  attempt  to induce any customer, agent, employee, vendor or
reinsurer of Sellers, with respect to the Business immediately prior to Closing,
to  terminate,  reduce  or  alter  their  relationship with Purchaser in any way
detrimental  to  Purchaser;  or
(iii)     compete  with  Purchaser  as  an  employer,  agent,  owner,  resource,
consultant  or  advisor  to  any  entity  providing products, services or advice
directly  related  to  any  agricultural production risk or otherwise conducting
Business.
     (b)     Notwithstanding  any other provision of this Agreement or any other
contract,  agreement  or  understanding  of  any  kind  whatsoever,  Goran shall
automatically and immediately forfeit all consideration paid or to be paid to it
by  Purchaser under this Agreement if it enters into any business, employment or
other  arrangement  or  activity  that is detrimentally competitive the Business
purchased by Purchaser pursuant to the Asset Purchase Agreement, or injurious to
the  financial  interests of the Business purchased by Purchaser pursuant to the
Asset Purchase Agreement, at any time prior to the third anniversary date of the
Closing.
     3.     Consulting  Services.  Goran  hereby  agrees  to  be  available  to
            --------------------
Purchaser as reasonably requested by Purchaser, but in no event for more than 20
hours  in  any  given  calendar  month, for the provision of consulting services
related  to  the operation of the Business commencing on the date of the Closing
and  continuing until the third anniversary date of the Closing (the "Consulting
Term").
4.     Additional  Payment.  For  and  in  consideration  of  Goran's execution,
       -------------------
delivery  and  performance  of this Agreement and subject to Paragraph 2 of this
Agreement,  Purchaser  will pay Goran Four Million Five Hundred Thousand Dollars
($4,500,000)  at  Closing.
5.     Assignment  and Binding Effect.  Goran may not transfer in any manner any
       ------------------------------
right  to receive any portion of the consideration stated in Paragraph 4 of this
Agreement ("Consideration").  Goran hereby consents to Purchaser's assignment of
all  of  Purchaser's  rights  and  obligations  under  this  Agreement to any of
Purchaser's  affiliates  or  successors.  This  Agreement  shall  be  and remain
binding  upon Goran and shall inure to the benefit of any successors in interest
and  assigns  of  Purchaser.
6.     Remedies.  Goran  and  Purchaser  agree  the  restrictions  contained  in
       --------
paragraphs  1 and 2 under this Agreement are necessary for the protection of the
legitimate  business  interests  and  goodwill  of  the  Business  purchased  by
Purchaser  pursuant  to  the  Asset Purchase Agreement, and Goran considers such
restrictions  to  be reasonable for such purposes.  Goran agrees that any breach
of  paragraph  1  or  2 will cause Purchaser substantial and irrevocable damage.
In  the  event  of any such breach, in addition to such other remedies as may be
available,  including the recovery of damages, Purchaser shall have the right to
injunctive  relief  to restrain or enjoin any actual or threatened breach of the
provisions  of  paragraphs  1  and  2.  If  Purchaser  shall  prevail in a legal
proceeding  to remedy a breach or threatened breach of this Agreement, Purchaser
shall  be  entitled  to recover reasonable attorneys' fees and costs incurred in
connection  with  such  proceeding,  in  addition  to any other relief it may be
granted.  No remedy conferred upon any party by this Agreement is intended to be
exclusive  of  any  other  remedy,  and  each  and  every  such  remedy shall be
cumulative  and in addition to any other remedy given hereunder.  The failure to
enforce  any  of  the  provisions  of this Agreement shall not be construed as a
waiver  of  such provisions.  A waiver or failure to enforce by Purchaser on any
one  occasion is effective only in that instance, and will not be construed as a
bar  to,  or  waiver  of,  any  right  on  any  other  occasion.
7.     Applicable  Law.  This  Agreement,  or  any  portion  thereof,  shall  be
       ---------------
interpreted  in  accordance  with the laws of the State of Iowa, irrespective of
the  fact  that  Goran  now  is  or may become organized in a different state or
country.
8.     Severability.  If  any  provision(s)  of  this  Agreement  shall  be held
       ------------
invalid  or  unenforceable,  the  validity  and  enforceability  of  all  other
provisions  of  this  Agreement  shall  not  be  affected  thereby.
9.     Entire  Agreement.  This  Agreement  supersedes  all prior agreements and
       -----------------
understandings between Goran and Purchaser concerning the subject matter hereof.
When  this  Agreement becomes effective it shall contain the entire agreement of
Purchaser  and  Goran  relating  to the subject matter hereof, and Purchaser and
Goran  will  have  made no agreements, representations or warranties relating to
the  subject  matter  of  this  Agreement  that  are  not  set  forth  herein.
10.     Effectiveness  and  Termination.  This Agreement is conditioned upon and
        -------------------------------
effective at Closing.  If the Asset Purchase Agreement is terminated pursuant to
its  terms  and conditions, this Agreement shall terminate concurrently with the
Asset  Purchase  Agreement.
Dated  this  23rd  day  of  May,  2001.

          GORAN  CAPITAL  INC.

          By:
          Name:
          Title:

          ACCEPTANCE  INSURANCE  COMPANIES  INC.

          By:
          Name:  John  E.  Martin
               ------------------
          Title:  President  and  Chief  Executive  Officer
                -------------------------------------------

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