Document:

Exhibit 10.17

                              CLAIMS ADMINISTRATION

                               SERVICES AGREEMENT

      THIS CLAIMS ADMINISTRATION SERVICES AGREEMENT ("Agreement"), dated as of
the 1st day of October, 1997 ("Effective Date"), is made by and between The
Millers Mutual Fire Insurance Company, a Texas mutual insurance company
("Millers Mutual"), The Millers Casualty Insurance Company, a Texas insurance
company ("Millers Casualty"), and INSpire Insurance Solutions, Inc., a Texas
corporation ("INSpire").

     Whereas, Millers Mutual and Millers Casualty shall be collectively referred
to as the "Customer"; and

      Whereas, Customer and INSpire are parties to an Amended Service Contract,
effective July 1, 1997, as amended (the "Prior Service Contract), pursuant to
which INSpire provides certain claims administration services to Customer; and

      Whereas, Customer is desirous of INSpire providing claims administration
services for which Customer is otherwise responsible in providing insurance to
its customers, as set forth in this Agreement; and

      Whereas, INSpire wishes to provide such Services for Customer; and

      Whereas, Customer and INSpire desire to amend and restate in its entirety
the Prior Service Contract; and

      Whereas, the parties hereto wish to reduce their Agreement to writing;

      Now, therefore, for and in consideration of the premises set forth below
and other good and valuable consideration, the receipt and sufficiency of which
is expressly acknowledged, Customer and INSpire hereby agree as follows:

                              ARTICLE 1. SERVICES

      The "Services" to be performed by INSpire are set forth in Exhibit I to
this Agreement. All claims adjusting functions shall be performed by properly
trained and licensed insurance adjusters.

                                ARTICLE 2. TERM

     2.1  The term of this Agreement shall commence on the Effective Date and
          shall have a "Minimum Term" of 60 full calendar months unless
          terminated earlier pursuant to the provisions of this Agreement. The
          Agreement shall automatically be renewed and extended after the
          conclusion of the Minimum Term for an additional renewal term or terms
          of 36 months unless terminated pursuant to the provisions of Article
          8.

                          ARTICLE 3. DUTIES OF INSPIRE

     3.1  INSpire shall dedicate in its discretion the appropriate human,
          equipment, and computer resources to provide and, during the term of
          this Agreement will provide, Customer with the Services enumerated in
          Exhibit I of this Agreement for the Lines of Business and States
          specified in Exhibit I.

     3.2  INSpire shall investigate, evaluate, and handle each claim reported
          within the established authority for claims as set forth in Exhibit I
          attached hereto and made part of the Agreement.

     3.3  INSpire will designate an employee to act as liaison with Customer to
          facilitate the provision of the Services.

     3.4  INSpire shall maintain the confidentiality of data or information
          which is the property of Customer and which is directly accessible to
          INSpire in the implementation and performance of the Services.

     3.5  INSpire shall maintain complete, accurate and orderly claims books,
          files, records and accounts of all transactions in accordance with
          generally accepted insurance and accounting practices.

     3.6  INSpire shall maintain permanent copies of all claims and
          correspondence related to the claims. INSpire shall not destroy these
          permanent copies without the written permission of the Customer for a
          period of at least five (5) years from the date of the last file
          activity, or the period specified by the applicable state statute
          regulating preservation of records, whichever is longer. At the end of
          such five year period, upon INSpire's written request for
          instructions, the Customer shall authorize INSpire to either (a)
          destroy the closed files or (b) return such files to Customer at
          Customer's expense. Notwithstanding the foregoing, any claim file
          involving a minor shall be separately identified and returned to
          Customer at the end of such five year period. Claim files shall be the
          property of the Customer. Upon an order of liquidation of Customer,
          the files shall become the sole property of Customer or Customer's
          estate. INSpire may, at its discretion, use magnetic, optical, and
          other types of technology to store such data.

     3.7  All claims still open upon termination or cancellation of this
          Agreement will require one of the following to occur:

          (a)  All open claims will be handled on the pre-agreed monthly fee per
               claim; or

          (b)  All open claims will be handled on a time and expense basis at
               then current prevailing rates; or

          (c)  All open claims will be returned to Customer, with any holdover
               reverting to a time and expense basis at then current prevailing
               rates.

               INSpire and Customer will mutually agree on this determination.

     3.8  INSpire acknowledges and agrees that Customer, being at risk and
          having ultimate responsibility for the claims to be administered by
          INSpire, shall at all times have ultimate discretion with respect to
          all matters pertaining to the claims.

     3.9  INSpire will not assume the responsibility for direct notification to
          any excess or quota share insurance carrier of claims; however,
          reports will be provided as requested by Customer.

     3.10 INSpire and Customer acknowledge that this Agreement does not apply to
          policies written by Customer through any managing general agencies.

                         ARTICLE 4. DUTIES OF CUSTOMER

     4.1  Customer agrees that all claims occurring during the term of this
          Agreement will be reported to INSpire, unless otherwise notified by
          the Customer and approved by INSpire. Customer will provide all
          information relevant to particular claims to INSpire in order for
          INSpire to fulfill its duties and obligations as set out in Exhibit I.

     4.2  Customer has ultimate authority and responsibility for authorizing
          claims payment and settlement.

                          ARTICLE 5. AUDIT PROVISIONS

            INSpire shall maintain records of amounts billable to and payments
      made on behalf of Customer. In addition, INSpire shall maintain records of
      the data utilized to perform the Services defined in Exhibit I of the
      Agreement until five years following the date of last file activity, or
      the period specified by the applicable state statute, whichever is the
      later unless such records are earlier returned to Customer. INSpire agrees
      to provide reasonable supporting documentation concerning any disputed
      invoice amount to Customer within 15 days after Customer provides written
      notification of the dispute to INSpire. Customer and an auditor selected
      by Customer shall have access to all such records for the purposes of
      audit and verification during normal business hours during the full term
      of this Agreement and during the respective periods in which INSpire is
      required to maintain such records.

                          ARTICLE 6. PRICE AND PAYMENT

     6.1  Customer agrees to pay Service Fees and Rates as specified in Exhibit
          II hereto.

     6.2  The Services Fees and Rates in Exhibit II hereto may be increased
          effective as of each anniversary of the Effective Date during the
          existence of this Agreement by the percentage change in the United
          States Consumer Price Index for all Urban Users (CPI-U) published by
          the United States Bureau of Labor Statistics, for the immediately
          preceding calendar year. In the event a vendor supplying any service
          or product to INSpire required for INSpire to provide the Services to
          Customer increases its rates charged to INSpire, INSpire may increase
          the contracted rates set forth herein to include such increased costs.

     6.3  The Service Fees and Rates may increase by mutual agreement, if
          changes in the Services mutually agreed to in writing substantially
          alter the servicing personnel, equipment, or result in the servicing
          being done on a different system.

     6.4  When Customer requests INSpire personnel to travel to any location for
          the purpose of performing specific claims work under this Agreement,
          the Customer will, in addition to the charges specified for Services,
          pay INSpire for all reasonable travel, lodging and out-of-pocket
          expenses.

     6.5  Customer agrees to pay all tariffs and taxes that are now or may
          become applicable to the Services rendered hereunder, as measured by
          payments made by Customer to INSpire under this Agreement, or as
          required to be collected by INSpire or paid by INSpire to tax
          authorities based on this Agreement. This provision includes but is
          not limited to sales, use, or any other form of tax based on Services
          performed, but does not include taxes based upon the net income of
          INSpire.

     6.6  Service Fees and Rates for Services will be due and payable 15 days
          after the close of the month in which services are performed.

     6.7  Customer agrees that INSpire will have the right to renegotiate the
          Service Fees in the event of statutory, regulatory, or judicial
          changes that require additional activities not contemplated at the
          inception of this Agreement.

            ARTICLE 7. LICENSE, TRADE SECRET AND PROPRIETARY RIGHTS

     7.1  Although INSpire from time to time may use its own proprietary
          computer software products in the performance of the Services
          enumerated in Exhibit I of this Agreement, this Agreement does not
          grant a license or any other interest to Customer for the use of any
          software products.

     7.2  This Agreement grants to Customer no right to possess or reproduce, or
          any other interest in, the computer software programs performing all
          or any part of the Services or their specifications in any tangible or
          intangible medium. Customer may not mortgage, hypothecate, sell,
          assign, pledge, lease, transfer, license or sublicense the computer
          software programs performing all or any part of the Services, nor
          allow any person, firm, or corporation to transmit, copy or reproduce
          the computer software programs performing all or any part of the
          Services or their specifications in whole or in part. In the event
          Customer shall come into possession of the computer software programs
          performing all or any part of the Services, Customer shall immediately
          notify INSpire and return the computer software programs performing
          the Services and all copies of any kind thereof to INSpire upon
          INSpire's request.

     7.3  Customer promises and agrees not to disclose or otherwise make
          computer software programs performing all or any part of the Services
          available to any person other than employees of Customer required to
          have such knowledge for normal use of them. Customer agrees to
          obligate each such employee to a level of care sufficient to protect
          the computer software programs performing all or any part of the
          Services from unauthorized disclosure.

     7.4  INSpire warrants and represents that it owns, or is licensed with
          respect to, all software it will employ in the performance of this
          Agreement. In the event this Agreement is terminated, INSpire will
          grant a license, upon terms and conditions set forth in a licensing
          agreement, to Customer to use the software which INSpire employs in
          the performance of this Agreement to the extent INSpire is not
          otherwise prohibited from doing so by contract or by operation of law.
          INSpire shall use its best efforts to deliver the software, as well as
          all necessary manuals, to the Customer immediately upon delivery of
          data to the Customer.

     7.5  THE OBLIGATION OF CUSTOMER UNDER THIS ARTICLE SHALL CONTINUE AFTER
          THIS AGREEMENT IS TERMINATED.

                             ARTICLE 8. TERMINATION

     8.1  Either party may terminate this Agreement without cause at the
          expiration of the Minimum Term set forth in Section 2.1, provided the
          other party receives at least six (6) months prior written notice of
          termination. Termination without cause during any renewal term would
          also require six months notice.

     8.2  Either party may terminate this Agreement upon breach by the other
          party of any one or more of the terms and conditions of this Agreement
          or the related Exhibits, provided that the party in breach is notified
          in writing by the other party of the breach and the breach is not
          cured or a satisfactory resolution agreed upon in writing within
          thirty (30) days of such written notification, or if such breach is
          non-monetary and is of such a nature that it cannot reasonably be
          cured within such time commenced to cure same and does not diligently
          continue to and actually cure same within a reasonable period
          thereafter. The obligation of INSpire referred to in this Section 8.2
          shall include, and shall be limited to:

          (a)  the obligation to observe and comply with applicable laws,
               regulations, rules and rates affecting the transaction of
               business hereunder; and

          (b)  the obligation to provide Services set forth in Exhibit I.

     8.3  In the event either party makes a general assignment for the benefit
          of creditors or files a voluntary petition in bankruptcy or petitions
          for reorganization or arrangement under the bankruptcy laws, or if a
          petition in bankruptcy is filed against either party and remains
          undismissed for a period of thirty (30) days, or if a receiver or
          trustee is appointed for all or any part of the property and assets of
          either party, the other party may terminate the Agreement immediately.

     8.4  Rights Upon Termination. Upon expiration or termination of this
          Agreement:

          (a)  The obligations of the Customer and INSpire to the date of
               termination shall be discharged promptly.

          (b)  INSpire shall promptly return to the Customer any forms or other
               supplies imprinted with the Customer's name, regardless of who
               incurred the cost for same.

                ARTICLE 9. LIMITATION OF LIABILITY AND REMEDIES

     9.1  If data is processed in error due to an error or defect in the
          Services provided by INSpire, then upon INSpire receiving notice of
          such error or defect, INSpire shall reprocess such data without charge
          to Customer.

     9.2  INSpire shall indemnify, protect, defend and hold Customer, its
          officers, directors, shareholders and employees harmless from and
          against any and all losses, damages, liabilities, fines, settlements,
          penalties and judgments (including reasonable costs and attorney's
          fees) (herein "Damages") arising out of or resulting from the
          negligent, willful or intentional acts of INSpire performed in
          connection with this Agreement or arising from a breach of this
          Agreement by INSpire. Customer shall indemnify, protect, defend and
          hold INSpire, its officers, directors, shareholders and employees
          harmless from and against any and all Damages arising out of or
          resulting from the negligent, willful or intentional acts of Customer
          performed in connection with this Agreement or arising from a breach
          of this Agreement by Customer. This indemnity shall survive the
          earlier expiration or termination of this Agreement.

     9.3  In providing services hereunder, INSpire shall have a duty to act, and
          cause its affiliates and designees to act, in a reasonably prudent
          manner. Neither INSpire, nor any officer, director, employee or agent
          of INSpire shall be liable to Customer for any error of judgment or
          for any loss incurred by Customer in connection with the matters to
          which this Agreement relates, except a loss resulting from the gross
          negligence or willful misconduct on the part of INSpire.

     9.4  Customer's remedies and INSpire's liability for breaches of this
          Agreement and errors or defects in the delivery of Services are
          limited to the remedies and liabilities set forth in Sections 8.2,
          9.1, 9.2 and 9.3 of this Agreement. INSpire's remedies and Customer's
          liability for breaches of this Agreement are limited to the remedies
          and liabilities set forth in Sections 8.2, 9.2 and 9.3 of this
          Agreement.

                              ARTICLE 10. GENERAL

     10.1 The parties shall not be liable or deemed to be in default for any
          delay or failure in performance under this Agreement or interruption
          of Service resulting, directly or indirectly, from acts of God, civil
          or military authority, labor disputes, shortages of suitable parts,
          materials, labor or transportation or any similar cause beyond the
          reasonable control of the parties.

     10.2 All notices which are required to be given or submitted pursuant to
          this Agreement shall be in writing and shall be either delivered in
          person or sent by certified mail, return receipt requested, to the
          address set forth herein or to such other address as the parties may
          from time to time designate in writing for such purposes. Notices
          shall be deemed to have been given at the time when personally
          delivered or, if mailed in a certified post-paid envelope, upon the
          fifth day after the date such notice shall be postmarked. All notices
          to INSpire shall be addressed to the attention of the Chief Financial
          Officer.

     10.3 The parties covenant and promise not to disclose the terms and
          conditions of this Agreement to any third party unless expressly
          agreed to by the parties. Notwithstanding the foregoing, the parties
          agree that disclosure may be made to any auditors, regulators,
          carriers, or reinsurers on a need to know basis only without prior
          consent.

     10.4 This Agreement and any Exhibits made a part hereof: (a) constitute the
          entire Agreement between the parties and supersede and merge any and
          all prior discussions, representations, negotiations, correspondence,
          writings and other Agreements and together state the entire
          understanding and agreement between INSpire and Customer with respect
          to the Services described; (b) may be amended or modified only in a
          written instrument agreed to and signed by INSpire and Customer; and
          (c) shall be deemed to have been entered into and executed in the
          State of Texas and shall be construed, performed and enforced in all
          respects in accordance with the laws of that state. For purposes of
          venue, this Agreement is performable in Tarrant County, Texas.

     10.5 Neither party hereto shall be deemed to have waived any rights or
          remedies accruing to it hereunder unless such waiver is in writing and
          signed by such party. No delay or omission by either party hereto in
          exercising any right shall operate as a waiver of said right on any
          future occasion. All rights and remedies hereunder shall be cumulative
          and may be exercised singularly or concurrently.

     10.6 The descriptive headings of this Agreement are intended for reference
          only and shall not affect the construction or interpretation of this
          Agreement.

     10.7 Wherever the singular of any term is used herein it shall be deemed to
          include the plural wherever the plural thereof may be applicable.

     10.8 The parties shall not assign this Agreement or any of its rights
          hereunder without the prior written consent of the other party which
          consent shall not be unreasonably withheld unless the proposed
          assignment is to a competitor of the other party.

     10.9 If any provision of this Agreement or any Exhibit hereto or the
          application thereof to any party or circumstances shall, to any
          extent, now or hereafter be or become invalid or unenforceable, the
          remainder of this Agreement shall not be affected thereby and every
          other provision of this Agreement shall be valid and enforceable to
          the fullest extent permitted by law.

    10.10 In the event of any action between Customer and INSpire seeking
          enforcement of any of the terms and conditions of this Agreement, the
          prevailing party to such action shall be awarded its reasonable costs
          and expenses, including its court costs and reasonable attorney's
          fees.

    10.11 The parties hereto are independent contractors of one another, and
          they should not in any instance be construed as partners or joint
          venturers.

      INSPIRE AND CUSTOMER CERTIFY BY THEIR UNDERSIGNED AUTHORIZED AGENTS THAT
THEY HAVE READ THIS AGREEMENT, INCLUDING ALL EXHIBITS HERETO, AND AGREE TO BE
BOUND BY ITS TERMS AND CONDITIONS.

      EXECUTED to be effective the 1st day of October, 1997.

INSpire Insurance Solutions, Inc.             The Millers Mutual Fire Insurance
                                                 Company

By:   /S/ JEFFREY W. ROBINSON               By:   /S/ JOY J. KELLER
      -------------------------------             -----------------------------

Name:       Jeffrey W. Robinson             Name:       Joy J. Keller

Title:      Executive Vice President        Title:      Executive Vice President
                                                          and CFO

                                              The Millers Casualty Insurance
                                                 Company

                                            By:   /S/ JOY J. KELLER
                                                  -----------------------------

                                            Name:       Joy J. Keller

                                            Title:      Executive Vice President
                                                          and CFO

<PAGE>

                                    EXHIBIT I

                                     to the

                    CLAIMS ADMINISTRATION SERVICES AGREEMENT

                                 by and between

                            INSPIRE INSURANCE SOLUTIONS, INC.

                                       and

                             MILLERS INSURANCE GROUP

A.    SERVICES

      During the term of this Agreement, INSpire shall provide the Claims
Administration Services defined below for the Lines of Business (Section B of
this Exhibit I) for the States specified (Section C of this Exhibit I) written
by or through Customer. INSpire will, in accordance with guidance and direction
provided by the Customer, provide all Claims Administration Services and general
management of these Services described herein for subject claims as follows:

1.    Customer grants INSpire the authority to investigate, evaluate, and handle
      each claim reported according to applicable state law, the terms and
      conditions of the policy and any written standards provided by Customer.
      INSpire shall not have any authority to alter or discharge any policy or
      waive any policy provision or condition.

2.    INSpire will set up a claims operation center that will function as a
      control unit.

3.    Coverage will be verified on all cases.

4.    INSpire will administer the appraisal/assessment process and will use in
      this endeavor a combination of staff, independent appraisers and direct
      repair facilities.

5.    INSpire will perform all reasonable and necessary administrative and
      clerical work in connection with claim or loss reports.

6.    INSpire will establish and maintain a claim file for each reported claim
      or loss. The claim file will have a daily activity log, which shall be
      available for review at any and all reasonable times by the Customer
      subject to the provisions of Article V of the Agreement.

7.    INSpire will record and report each claim promptly to the Customer with a
      recommended reserve. INSpire shall consult with Customer with respect to
      any of the following:

     (a)  Any loss or claim resulting in legal action being instituted against
          INSpire or the Customer;

     (b)  Any loss or claim causing a complaint to be filed with any regulatory
          authority;

     (c)  Any inquiry from any regulatory authority, including but not limited
          to any insurance department, with respect to any claim or claims, even
          if no complaint causes such inquiry;

     (d)  Any claim in which INSpire deems appropriate to rescind policy
          coverage for material misrepresentation;

     (e)  Any claim involving an allegation of extra contractual obligations or
          bad faith claim handling;

     (f)  Any claim involving a fatality, amputation, spinal cord or brain
          damage, loss of eyesight, extensive burns, poisoning, or multiple
          fractures;

     (g)  Any claim that the Customer desires to be kept advised of during the
          life of the claim; or

     (h)  Any claim where there has been a demand for policy limits and INSpire
          does not evaluate the value of the claim to include settlement at that
          amount.

8.    INSpire will provide monthly and year-to-date reports on all claims
      activity including new claims reported, claims pending, claims closed and
      reserve changes. The reports will include:

     (a)  Information and statistical data: (i) required by Insurance Services
          Office ("ISO"), and (ii) necessary for Customer to prepare any reports
          required by the National Association of Insurance Commissioners, or
          (iii) other reports reasonably requested by Customer;

     (b)  Loss Runs with paid claims and outstanding reserves remaining at the
          end of each monthly report period, categorized as indemnity, medical
          payment, or loss adjustment expense, plus any other information
          required by the Annual Statement instructions or state regulatory
          agencies;

     (c)  Check Registers;

     (d)  Reports needed by Customer for the filing of reinsurance claims or
          quarterly reinsurance updates.

9.    INSpire will perform a periodic review at mutually agreed upon intervals
      of outstanding claim reserves and recommend changes to outstanding claim
      reserves.

10.   INSpire will prepare checks and vouchers, compromises, releases,
      agreements and any other documents reasonably necessary to finalize and
      close claims. INSpire will issue payments of claims and allocate loss
      adjustment expenses only within the guidelines as authorized by Customer.

      For purposes of settling claims and paying claim-related expenses,
      Customer has agreed to establish, maintain and fund a separate bank
      account from which INSpire may draw against as hereinafter set forth (the
      "Claim Account").

      Customer agrees to deposit additional funds into the Claims Account on a
      weekly basis if necessary to maintain it at a level sufficient to allow
      INSpire to carry out its obligations under this Agreement. INSpire shall
      regularly provide information and estimates to Customer to enable Customer
      to maintain the Claims Account at an appropriate level. Customer shall
      provide to INSpire such information as is necessary for INSpire to draw
      checks on the Claims Account.

      INSpire hereby guarantees that any check it prepares will be signed and
      issued only in accordance with the procedures adopted by Customer. Any
      check prepared by INSpire on the Claims Account must be signed by two
      authorized individuals.

      INSpire shall promptly deposit any monies collected through salvage and
      subrogation to the Claim Account, and maintain a register of all such
      collections and deposits (the "Salvage and Subrogation Register"). The
      Salvage and Subrogation Register shall include, but shall not be limited
      to, the following information: date of deposit, date of receipt of funds,
      the claim number, the payer, and the amount and purpose of such payment.
      The Claim Register shall include, but shall not be limited to, the
      following information: claim number, date of check, payee, amount and
      check number.

      INSpire shall reconcile the Claim Register and the Salvage and Subrogation
      Register to the Claim Account on a monthly basis.

11.   Service standards and claims documentation will be in accordance with
      standards set by Customer and agreed to by INSpire. INSpire will be in
      compliance with all state regulations dealing with the adjusting and
      handling of claims. INSpire will periodically review the development of
      the claims handling procedure with the Customer to identify problems and
      recommend corrective action.

12.   INSpire will diligently pursue and prosecute Customer's salvage and
      subrogation rights relating to any losses. INSpire will use reasonable
      efforts to collect and deposit funds arising from the enforcement of such
      rights into the Claim Account. INSpire will report monthly on
      salvage/subrogation receipts.

13.   INSpire will provide Special Investigative Services in accordance with
      guidelines agreed to by Customer on a time and expense basis.

14.   INSpire will provide Customer claim information to prepare reports (i)
      required by the Internal Revenue Service, and (ii) other reports
      reasonably requested by Customer.

B.    AUTHORIZED LINES OF BUSINESS:

      Private Passenger Automobile, Homeowners, Commercial Casualty Multi-Peril,
      Commercial Property, Farm-owners, Umbrella.

C.    AUTHORIZED STATES:

      Alabama                 Louisiana                      Oklahoma
      Arizona                 Michigan                       Oregon
      Arkansas                Minnesota                      South Carolina
      California              Mississippi                    South Dakota
      Colorado                Missouri                       Tennessee
      Florida                 Montana                        Texas
      Idaho                   Nebraska                       Utah
      Illinois                Nevada                         Washington
      Indiana                 New Mexico                     Wisconsin
      Iowa                    North Carolina                 Wyoming
      Kansas                  North Dakota
      Kentucky                Ohio

D.    LOCATION OF PROVISION OF SERVICES:

      INSpire shall provide the Services defined above at an INSpire service
center.
<PAGE>

                                   EXHIBIT II

                              SERVICE FEES & RATES

CONSULTANTS                               $125.00 per hour

PROGRAMMERS                               $125.00 per hour

CLAIMS ADMINISTRATION SERVICES

      Fees will be based on a charge per claim as defined below. A claim is
      defined as an open feature as shown below. Monthly maintenance fees are
      for claims open greater than 31 days at each month end.

      Feature                         New Claim Fee           Monthly Fee
      -------                         -------------           -----------
      Auto BI/UM                          $450                    $450
      Auto Non-BI/UM                      $250                    $50
      Auto First Party                    $150                    $50

      Homeowners                          $600                    $60

      Commercial Property                 $700                    $70
      Commercial Casualty                $1,000                   $100

      Subrogation                   25% of recoveries
      Salvage                       15% of recoveries
      SIU Services                   $60.00/hr. plus
                                       outside fees

      Homeowner, Commercial Property and Commercial Casualty claims with an
      incurred loss greater than $100,000 will be billed at "time and expense",
      rather than the rates shown on the above schedule. "Time and expense" is
      defined as $60.00 per hour plus any outside adjusting fees.

EXPENSES EXCLUDED.

      Legal, Reconstruction Experts, Agronomist and Engineers.

SPECIAL FEES

      Claim system modifications requested and approved by Customer will be
      charged to the Customer on a time and materials basis utilizing the
      appropriate mix of service personnel required to perform the modification.
      Additional reports or modifications to agreed upon reports will also be
      charged to Customer on a time and materials basis utilizing the
      appropriate mix of service personnel required to perform the modifications
      or produce new reports. Hourly rates for such personnel are listed above.Exhibit 10.18
                                 AMENDMENT NO. 1

                                     to the

                              CLAIMS ADMINISTRATION
                               SERVICES AGREEMENT
                            EFFECTIVE OCTOBER 1, 1997

                                 by and between

              INSPIRE INSURANCE SOLUTIONS, INC., formally known as
                   MILLERS INTEGRATED CLAIMS RESOURCES, INC.,
                                   ("INSPIRE")

                                       AND

                      MILLERS MUTUAL FIRE INSURANCE COMPANY
                     AND MILLERS CASUALTY INSURANCE COMPANY
                                  ("CUSTOMER")

     WHEREAS, INSpire and Customer have entered into this Agreement for the
claims administration of certain insurance policies to be issued by Customer;

     WHEREAS, Customer desires to have INSpire provide additional
services;

     WHEREAS, the parties, as a result, have agreed to amend this
Agreement;

     NOW, THEREFORE, the Claims Administration Services section of Exhibit II
Service Fees & Rates is amended by adding at the end of said section the
following:

     Effective May 1, 1998, INSpire will provide Claims Administration Services
for Customer for policies issued through the Classic Auto Managing General
Agency. In lieu of all other fees listed in the Claims Administration section of
Exhibit II, Customer agrees to pay a monthly service fee to INSpire of 7.5% of
the gross earned premium resulting from said policies. In addition, expenses for
subrogation and salvage will be passed through to Customer by INSpire. Special
Investigation Services will be provided to Customer by INSpire for $60.00 per
hour plus incurred expenses.

     Effective April 1, 1998, INSpire will provide Claims Administration
Services for Customer for policies issued through the Sun Coast General
Insurance Agency, Inc. In lieu of all other fees listed in the Claims
Administration section of Exhibit II, Customer agrees to pay a monthly service
fee to INSpire of 7.5% of the Gross Earned Premium resulting from said policies.
In addition, expenses for subrogation and salvage will be passed through to
Customer by INSpire. Special Investigation Services will be provided to Customer
by INSpire for $60.00 per hour plus incurred expenses.

     Effective April 1, 1998, INSpire will provide Claims Administration
Services for Customer for policies issued through the Pinnacle Managing General
Agency.

     Effective June 1, 1998, INSpire will provide Claims Administration Services
for Customer for policies issued through Lane & Associates, Inc.

     Effective December 1, 1998, INSpire will provide Claims Administration
Services for Customer for policies issued through Southern Insurance
Underwriters, Inc.

     Gross Earned Premium shall mean the monthly direct written premium plus
beginning unearned premium less ending unearned premium for policies issued
through the agency.

     The provisions of this Agreement shall remain otherwise
unchanged

     INSPIRE AND CUSTOMER CERTIFY BY THEIR UNDERSIGNED AUTHORIZED AGENT THAT
THEY HAVE READ THIS AMENDMENT AND AGREE TO BE BOUND BY ITS TERMS AND CONDITIONS.

INSpire Insurance Solutions,       Millers Mutual Fire Insurance
Inc.                               Co.

By: /S/ JEFFREY W. ROBINSON        By: /S/ JOY J. KELLER
    ---------------------------        ----------------------------
Name: Jeffrey W. Robinson          Name: Joy J. Keller
Title: Executive Vice President    Title: Executive Vice President and CFO
Date: December 31, 1997            Date: December 31, 1997

                                   The Millers Casualty Insurance
                                   Company

                                   By: /S/ JOY J. KELLER
                                       ---------------------------
                                   Name: Joy J. Keller
                                   Title: Executive Vice President and CFO
                                   Date: December 31, 1997

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00010-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00010-of-00352.parquet"}]]