Document:

<PAGE>

                                                                   EXHIBIT 10.34

                                    AGREEMENT

      This Agreement ("Agreement") is made and effective this 10th day of
November, 2004, ("Effective Date") between the FLORIDA DEPARTMENT OF FINANCIAL
SERVICES, AS RECEIVER FOR AMERICAN SUPERIOR INSURANCE COMPANY ("American
Superior"), whose principal place of business is located at 2020 Capital Circle,
S.E., Tallahassee, Florida 32301 and NORTH POINTE CASUALTY INSURANCE COMPANY
("North Pointe"), whose administrative office is located at 28819 Franklin Road,
Southfield, MI 48037-2223.

                                    RECITALS

A.    By the Order of Rehabilitation entered on September 29, 2004, the Circuit
      Court of Leon County, Florida ordered the rehabilitation of American
      Superior Insurance Company, a property and casualty insurance company, and
      appointed the Florida Department of Financial Services as its Receiver
      ("Receiver"); and

B.    Pursuant to the Order of Rehabilitation, the Florida Department of
      Financial Services as Receiver is in possession of or is now acquiring
      possession of the assets of American Superior and is administering those
      assets under the general supervision of the Circuit Court; and

C.    The Florida Department of Financial Services as Receiver has determined
      that American Superior is insolvent and will petition the Circuit Court
      for an Order of Liquidation and request the Circuit Court's approval to
      cancel all policies 30 days from the date of that Order; and

D.    American Superior has outstanding and in force insurance policies issued
      pursuant to the company's underwriting guidelines, and is exiting this
      business and canceling those policies pursuant to the Order of
      Liquidation; and

E.    North Pointe is willing to write new policies to replace the policies
      currently underwritten by American Superior, marketing those policies by
      an affiliate of North Pointe licensed in Florida as a managing general
      agent under the conditions stated below; and

NOW, THEREFORE, in consideration of the mutual covenants and understandings
contained herein and upon the terms and conditions set forth below, the parties
hereto agree as follows:

                                    ARTICLE I

DEFINITIONS:

"Agreement" means this Agreement.
<PAGE>

"American Superior" means the Florida Department of Financial Services in its
capacity as Receiver of American Superior Insurance Company (in Rehabilitation),
a property and casualty insurance company domiciled in the State of Florida.

"BRT" means Business Risk Technologies, Inc.

"Circuit Court" means the Circuit Court of Leon County, Florida.

"Effective Date" means the effective date of this Agreement, November 10th,
2004.

"Executive Orders" mean those orders issued by the Governor of the State of
Florida restricting actions that can be taken by insurance companies in Florida
following Hurricanes Charley, Frances, Ivan and Jeanne.

"Liability" means any liability, demand, claim, action or cause of action
arising out of or in connection with an insurance policy, including all claims
for credits due on the policy, refunds, commission claims of agents in
connection with, any premium tax related to, and any special, incidental,
consequential, extra-contractual or punitive damages arising out of, a policy.

"North Pointe" means North Pointe Casualty Insurance Company, a property and
casualty insurance company domiciled in the State of Florida.

"Notice" means any notice, consent, request, waiver, election and other
communication authorized, required or permitted to be given under this
Agreement.

"OIR" means the Florida Office of Insurance Regulation.

"Order of Liquidation" means the order for which the Circuit Court will be
petitioned to place American Superior in statutory liquidation.

"Order of Rehabilitation" means the order entered by the Circuit Court on
September 29, 2004 that ordered the rehabilitation of American Superior
Insurance Company and appointed the Florida Department of Financial Services as
Receiver.

"Policyholder" means each person identified as an insured in a currently
effective insurance policy written by American Superior.

"Pre-Existing Condition" means damage or loss to property that occurred while
that property was insured by an American Superior policy.

<PAGE>

                                   ARTICLE II

BUSINESS COVERED /TEMPORARY EXCEPTIONS:

North Pointe is not assuming any Liability relating to any American Superior
policy. North Pointe shall not become a successor in interest of American
Superior that may result in North Pointe assuming any obligation or Liability of
American Superior.

American Superior is not assuming any Liability relating to any North Pointe
policy. American Superior shall not be deemed a predecessor in interest of North
Pointe that may result in American Superior assuming any obligation or Liability
of North Pointe.

North Pointe (through its affiliate South Pointe Financial Services, Inc., a
Florida-licensed managing general agent) will offer a new policy of insurance
with an effective date being the 31st day following the date of the Order of
Liquidation to all of the Policyholders of American Superior's current in-force
policies (that is, the American Superior policies in effect at any time after
the entry of the Order of Liquidation), except those whose properties have a
Pre-Existing Condition. North Pointe will not offer coverage to a policyholder
with a Pre-Existing Condition until the policyholder submits to North Pointe a
written representation and warranty that the PreExisting Condition has been
repaired, together with a picture of the front and back of the insured property.
North Pointe retains the right to inspect the remedy of any such Pre-Existing
Condition, and is only required to offer replacement coverage if the remedy has
been performed to North Pointe's sole satisfaction.

                                   ARTICLE III

MATERIALS TO BE SENT TO POLICYHOLDERS:

North Pointe and BRT shall cause to be issued and shall mail to each
Policyholder whose property does not have a Pre-Existing Condition the
following:

      1.    A letter from American Superior notifying the Policyholder that his
            / her policy is being canceled, informing them of this transaction
            and introducing North Pointe as the replacement insurer. This letter
            will include information on obtaining a new policy and receiving an
            unearned premium refund.

      2.    An introduction letter to each Policyholder from North Pointe.

      3.    A remittance letter to the Policyholder.

      4.    A premium quote based on North Pointe's premium rates.

      5.    A pre-filled application for each new policy to be offered by North
            Pointe.

      6.    A pre-stamped envelope addressed to North Pointe.

<PAGE>

For those Policyholders with a Pre-Existing Condition, American Superior will
send:

      1.    A letter from American Superior notifying the Policyholder that his
            / her policy is being canceled, informing them of this transaction
            and introducing North Pointe as the replacement insurer. This letter
            will include information on the necessity of remedying the
            Pre-Existing Condition prior to being eligible for obtaining a new
            policy and receiving an earned premium refund.

      2.    A letter from North Pointe instructing them to contact their agent
            or North Pointe when their Pre-Existing Condition has been remedied.

All of these materials will be in a form to be agreed to by the parties, and
will be sent in a single mailing to be made out of the American Superior offices
no later than November 30, 2004. Within seven (7) days of that mailing, BRT will
cause to be bulk shipped to North Pointe a copy of each application, premium
quote and remittance letter mailed to these Policyholders. American Superior is
responsible for providing the letters identified in the two Item 1 descriptions
above. BRT has provided certain information systems for American Superior. BRT
must provide certain additional services for American Superior and for North
Pointe in order for the parties to be able to perform under this Article III.
North Pointe's agreement with BRT for these services is at Attachment 1.
American Superior intends to enter into an agreement with BRT that will provide
the means for American Superior to perform under this Article. The parties
acknowledge that the accuracy and timing of North Pointe's offer of insurance to
the American Superior policyholders depends upon BRT's performance under its
agreements with North Pointe and American Superior. If BRT does not generate
information on these policyholders accurately or timely, or if BRT does not
provide this information at all, North Pointe will be forced to recreate
American Superior's records through whatever information may be available and
contacts with insurance agents. If this occurs, while North Pointe will not be
able to control the accuracy and timing of its offer of insurance to the
American Superior policyholders, it will correct any error of which it is made
aware, and in doing so will not be deemed to have breached this Agreement.
Nothing in this Agreement will be construed to prohibit North Pointe from
offering coverage to Policyholders whose policies will expire before the 30th
day after the entry of the Order of Liquidation.

                                   ARTICLE IV

INDEMNIFICATION:

North Pointe will hold harmless and indemnify American Superior from and against
any liability, cost or expense (including reasonable fees of legal counsel and
related disbursements) incurred by American Superior as a result of or related
to: (a) North Pointe's breach of any term contained in this Agreement; (b) any
demands, claims, actions or cause of actions arising out of or in connection
with an insurance policy written by North Pointe; (c) North Pointe's negligent
or wrongful performance or non-performance of its obligations pursuant to this
Agreement or any other agreement provided for or contemplated in this Agreement;
and (d) any demands,

<PAGE>

claims, actions or cause of actions against American Superior caused by North
Pointe's act or omission. Notwithstanding anything in this Agreement to the
contrary, North Pointe will not be required to indemnify American Superior for
any demands, claims, actions or cause of actions against American Superior
caused by American Superior's act or omission.

American Superior will hold harmless and indemnify North Pointe from and against
any liability, costs or expense (including reasonable fees of legal counsel and
related disbursements) incurred by North Pointe as a result of or related to:
(a) American Superior's breach of any term contained in this Agreement; (b) any
demands, claims, actions or cause of actions arising out of or in connection
with an insurance policy written by American Superior; (c) American Superior's
negligent or wrongful performance or non-performance of its obligations pursuant
to this Agreement or any other agreement provided for or contemplated in this
Agreement; and (d) any demands, claims, actions or cause of actions against
North Pointe caused by American Superior's act or omission. American Superior
will not indemnify North Pointe for any demands, claims, actions or cause of
actions against North Pointe caused by North Pointe's act or omission

                                   ARTICLE V

CONSIDERATION:

As consideration for the information received from American Superior is used for
the new policies which North Pointe writes, North Pointe agrees to pay to
American Superior the amount of Two Dollars ($2.00) per policy within 60 days of
North Pointe issuing a new policy and receiving its first payment on that policy

                                   ARTICLE VI

REGULATORY MATTERS:

North Pointe will comply with the OIR's Consent Order duly issued pertaining to
approval of this Agreement. The form of Consent Order to be entered is at
Attachment 2.

                                  ARTICLE VII

FURTHER INSTRUMENTS:

The parties hereto agree to execute and deliver such further instruments and do
such further acts as may be reasonably necessary and proper to carry out the
purposes of this Agreement.

                                  ARTICLE VIII

PARTIAL INVALIDITY:
<PAGE>

If any court holds any provision of this Agreement or its applicability to any
person or circumstance invalid, the remainder of this Agreement, including the
remainder of the section in which such provision appears, or the applicability
of such provision to other persons or circumstances, shall not be affected
thereby.

                                   ARTICLE IX

ENTIRE UNDERSTANDING:

This Agreement contains the entire understanding of the parties with respect to
the subject matter hereof; there are no restrictions, promises, warranties,
covenants or undertakings with respect to such subject matter, other than those
expressly set forth herein; and this Agreement supersedes all prior agreements
and understandings between the parties with respect to such subject matter.

                                   ARTICLE X

BURDEN AND BENEFIT:

This Agreement is binding on and shall inure to the benefit of the parties
hereto, their successors and assigns.

                                   ARTICLE XI

COUNTERPARTS:

This Agreement may be executed in several counterparts, each of which shall be
deemed an original, but all of which together shall constitute one and the same
instrument.

                                  ARTICLE XII

NOTICES:

All Notices authorized, required or permitted to be given under this Agreement
shall be addressed as follows:

If to North Pointe:

           North Pointe Casualty Insurance Company
           28819 Franklin Road
           P.O. Box 2223
           Southfield, MI 48037-2223
           Attention: B. Matthew Petcoff, Executive Vice-President

If to American Superior:

           The Florida Department of Financial Services as Receiver for
           American Superior Insurance Company
           P.O. Box 110

<PAGE>
           Tallahassee, FL 32302-0110
           Attention: Mary Schwantes, Director of Estate Management

All Notices must be given in writing, mailed by first class registered or
certified mail, and shall be deemed to be received three (3) days after the day
of mailing. Either party may change its address for the receipt of Notices or
the party to whose attention Notices are sent at any time by giving notice
thereof to the other party hereto. In the event that any legal process, notice,
or regulatory bulletin, is served on one party in a legal action or proceeding
against the other party, or for any other reason whatsoever, the party receiving
the process, notice or regulatory bulletin shall promptly and forthwith forward
such process, notice or bulletin to the other party as directed above, via
registered or certified mail, and with an additional copy sent via fax.

                                  ARTICLE XIII

NO INTERMEDIARY:

The parties represent and warrant to each other that no intermediary was
involved in the transactions contemplated by this Agreement nor are any payments
being made as a result of the transactions contemplated by this Agreement.

                                  ARTICLE XIV

NO THIRD PARTY BENEFICIARIES:

This Agreement shall not confer any rights or remedies upon any person other
than the parties and their respective affiliates or successors.

FLORIDA DEPARTMENT OF FINANCIAL SERVICES
AS RECEIVER FOR AMERICAN SUPERIOR INSURANCE COMPANY

By: /s/ Hugh Dates                     Witness: /s/ Salma Zacur
    --------------------------------            --------------------------------

Title: Special Deputy Receiver         Date: 11-10-04

Date: November 10th 2004

NORTH POINTE CASUALTY INSURANCE COMPANY

By: /s/ James G. Petcoff               Witness: /s/ Donald C. Williams
    --------------------------------            --------------------------------

Title: President                       Date: 11-10-04

Date: 11/10/04

                                        7<PAGE>

                                                                   EXHIBIT 10.35

                         OFFICE OF INSURANCE REGULATION

KEVIN MCCARTY
DIRECTOR

IN THE MATTER OF:

                                                              CASE NO.: 78907-04

NORTH POINTE CASUALTY INSURANCE COMPANY

_______________________________________/

                                  CONSENT ORDER

      THIS CAUSE came on for consideration as a result of an agreement
(hereinafter "Agreement") between the FLORIDA DEPARTMENT OF FINANCIAL SERVICES
(hereinafter "DEPARTMENT') and NORTH POINTE CASUALTY INSURANCE COMPANY'S
(hereinafter "NORTH POINTE "). The Agreement, attached as Exhibit 1, requires
NORTH POINTE to provide an offer of coverage to certain policyholders of
AMERICAN SUPERIOR INSURANCE COMPANY (hereinafter "AMERICAN SUPERIOR"). AMERICAN
SUPERIOR is in Rehabilitation pursuant to Order # 2004-CA-2353 and its affairs
are managed by the DEPARTMENT as Receiver. After a complete review of the entire
record and upon consideration thereof, and otherwise being fully advised in the
premises, the FLORIDA OFFICE OF INSURANCE REGULATION, (the "OFFICE") hereby
finds as follows:

      1. The OFFICE has jurisdiction over the subject matter and of the parties
herein.

      2. NORTH POINTE is a Florida domiciled property and casualty insurance
company authorized to transact insurance in the State of Florida.

      3. NORTH POINTE has requested that the following line of insurance,
Homeowners Multi-Peril (0040), be added to its Certificate of Authority in order
to effectuate the Agreement.

<PAGE>

      4. On October 19, 2004 NORTH POINTE requested approval of forms and rates
for the purpose of providing the offers of coverage required pursuant to the
Agreement. The forms and rates have been approved by the OFFICE.

      5. The OFFICE has reviewed the aforementioned Agreement as submitted. Upon
consideration of the terms of said Agreement and the requirements of the Florida
Insurance Code, the OFFICE approves the Agreement, subject to adherence to the
terms and conditions of this Consent Order by NORTH POINTE.

      6. In its review of the Agreement, the OFFICE acknowledges that the
accuracy and timing of NORTH POINTE'S offer of insurance to the AMERICAN
SUPERIOR policyholders depends upon the performance of Business Risk
Technologies, Inc. (hereinafter "BRT"), an information services provider on
whose systems all of AMERICAN SUPERIOR'S information exists. As noted in the
Agreement, while NORTH POINTE may not be able to control the accuracy and timing
of its offer of insurance to the AMERICAN SUPERIOR policyholders, it has agreed
to correct any error of which it is made aware, and in doing so will not be
subject to penalty under Florida's insurance law upon a showing to the OFFICE
that any error or omission was directly attributable to BRT.

      7. The OFFICE, NORTH POINTE and AMERICAN SUPERIOR expressly waive their
rights to any hearing in this matter, the making of findings of fact and
conclusions of law by the OFFICE, and all other and further proceedings herein
to which the parties may be entitled by law or by rules of the OFFICE. NORTH
POINTE and AMERICAN SUPERIOR agree not to appeal or otherwise contest this
Consent Order in any forum now, or in the future, available to it.

      8. IT IS THEREFORE ORDERED that:

      (a) The terms of the agreement whereby NORTH POINTE shall provide an offer
of coverage to certain policyholders of AMERICAN SUPERIOR is approved.

      (b) Upon review by the OFFICE, NORTH POINTE shall not be deemed to have
violated Florida insurance law if it makes an inaccurate or untimely offer of
insurance to the AMERICAN SUPERIOR policyholders because of the quality of
information from BRT on which it is relying or

                                        2

<PAGE>

because it has had to recreate AMERICAN SUPERIOR records, provided that it
corrects any error of which it is made aware.

      (c) NORTH POINTE shall submit an additional form and rate filing to the
Office within 90 days. This filing shall serve to supplement and/or if
necessary, amend the filing noted in Item (4) above.

      (d) For the three (3) years immediately following the date of entry of
this Consent Order, NORTH POINTE shall file with the OFFICE, on an annual basis
no later than May 1 of each year, a catastrophe loss model with probable maximum
loss estimate amounts from a one hundred-year storm based upon the exposure
information gathered from all of its policies in force as of April 15 of each
year which would be affected by a catastrophe. NORTH POINTE shall include in
this filing an exposure management plan, which will identify the company's
ability to provide satisfactory financial capacity to cover the company's
exposure to catastrophic hurricane loss. The plan shall identify the reinsurance
coverage and surplus levels being utilized to maintain a satisfactory financial
capacity with regard to catastrophe exposure. NORTH POINTE shall also include
within the plan specific actions intended to limit catastrophic exposures to the
company's financial capacity. Based upon the OFFICE'S review of said models and
plans, NORTH POINTE may be required at the OFFICE'S sole discretion to take
corrective action to cure any overexposure identified by the OFFICE. Such action
may also include obtaining additional amounts of reinsurance coverage as
directed by the OFFICE or suspend writing of any additional business;

      (e) The parties agree that this Consent Order will be deemed to be
executed when the agency head or his designee has signed a copy of this Consent
Order bearing the signature of NORTH POINTE, or its authorized representative,
notwithstanding the fact that the copy was transmitted to the OFFICE by
facsimile machine. NORTH POINTE agrees that the signature of their
representative as affixed to this Consent Order shall be under seal of a Notary
Public.

      (f) Each party to this action shall bear its own costs and attorney fees.

      WHEREFORE, the agreement between NORTH POINTE CASUALTY INSURANCE COMPANY
and the DEPARTMENT OF FINANCIAL SERVICES as Receiver of AMERICAN

                                        3

<PAGE>

SUPERIOR INSURANCE COMPANY, the terms and conditions of which are set forth
above, is hereby APPROVED.

      FURTHER, all terms and conditions contained herein are hereby ORDERED.

      DONE and ORDERED this 16th day of November, 2004.

                                       /s/ Kevin M. McCarty
                                       -----------------------------------------
                                       KEVIN M. MCCARTY, COMMISSIONER
                                       Office of Insurance Regulation

                                        4

<PAGE>

By execution hereof, AMERICAN SUPERIOR INSURANCE COMPANY (in Rehabilitation)
consents to entry of this Consent Order, agrees without reservation to all of
the above terms and conditions and shall be bound by all provisions therein. The
undersigned represents that he has the authority to bind AMERICAN SUPERIOR
INSURANCE COMPANY (in Rehabilitation) to the terms and conditions of this
Consent Order.

                                 AMERICAN SUPERIOR INSURANCE COMPANY (in
                                 Rehabilitation)

                                 /s/ Hugh Dates
                                 -----------------------------------------------
                                 Hugh Dates
                                 Deputy Receiver

State of Florida

County of Broward

On 11/10/04 before me, Hugh Dates, personally appeared
________________________________________________, personally known to me (or
proved to me on the basis of satisfactory evidence) to be the person whose name
is subscribed to the within instrument and acknowledged to me that he/she
executed the same in his/her authorized capacity, and that by his/her signature
on the instrument, the person or the entity upon whose behalf the person acted,
executed the instrument.

Subscribed and sworn to before me this 10 day of Nov., 2003.

Signature /s/ L. Mendelson                [NOTARIAL SEAL]
          -----------------------------
          (Signature of Notary Public)

My Commission Expires: 4/10/08

Liza Mendelson
Commission #DD307367
Expires: Apr 10, 2008
Bonded Thru
Atlantic Bonding Co., Inc.

                                        5

<PAGE>

By execution hereof, NORTH POINTE CASUALTY INSURANCE COMPANY consents to entry
of this Consent Order, agrees without reservation to all of the above terms and
conditions and shall be bound by all provisions therein. The undersigned
represents that he has the authority to bind NORTH POINTE CASUALTY INSURANCE
COMPANY to the terms and conditions of this Consent Order.

                             NORTH POINTE CASUALTY INSURANCE COMPANY

Corporate Seal               /s/ James G. Petcoff
                             ---------------------------------------------------
                             James G. Petcoff
                             President/Chief Executive Officer
State of Michigan

County of Oakland

On November 9, 2004 before me, Judith A. Wikman, personally appeared James G.
Petcoff, personally known to me (or proved to me on the basis of satisfactory
evidence) to be the person whose name is subscribed to the within instrument and
acknowledged to me that he/she executed the same in his/her authorized capacity,
and that by his/her signature on the instrument, the person or the entity upon
whose behalf the person acted, executed the instrument.

Subscribed and sworn to before me this 9th day of November, 2004.

Signature /s/ Judith Wikman                [NOTARIAL SEAL]
          ----------------------------
          (Signature of Notary Public)

My Commission Expires:

JUDITH WIKMAN
NOTARY PUBLIC STATE OF MICHIGAN
OAKLAND COUNTY
MY COMMISSION EXP. NOV. 9, 2005

                                        6

<PAGE>

COPIES FURNISHED TO:

Lee Roddenberry, Bureau Chief
Bureau of P&C Insurer Solvency
200 East Gaines Street
Tallahassee, FL 32399-0329

Robin S. Westcott
Office of Insurance Regulation
Legal Services Office
612 Larson Building
200 East Gaines Street
Tallahassee, FL 32399-0333

                                        7

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00077-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00077-of-00352.parquet"}]]