Document:

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                                                                   EXHIBIT 10.20

                          NORTH POINTE AGENCY AGREEMENT

      This Agreement, dated June 1, 2004, is between:

         [X]  NORTH POINTE INSURANCE COMPANY, a Michigan insurer

         [X]  NORTH POINTE CASUALTY INSURANCE COMPANY, a Florida insurer

of 10199 Southside Boulevard, Suite 200, Jacksonville, FL 32256 (each insurer
named above, "Company") and AMELIA UNDERWRITERS, INC., of 2384 Sadler Road,
Fernandina Beach, FL 32034 ("Agent"), whose Agent Code is #FL010.

      In consideration of the terms of this document and any of the following
Addenda to this document:

                           Commission Addendum
                           Binding Authority Addendum
                           Company-Billed Policies Addendum
                           Wholesale Agency Addendum
                           Privacy Policy Addendum
                           Contingent Commission Addendum

(collectively, "Agreement"), the parties agree as follows:

APPOINTMENT AND AUTHORITY

1.    The Company appoints Agent as its insurance agent. The Company grants
      Agent the authority to solicit and deliver insurance applications,
      policies, certificates and endorsements, and provide all of the customary
      services of an insurance agent on all contracts of insurance accepted by
      the Company from Agent.

2.    Agent is authorized to write business only in the line(s) noted:

                  Commercial lines
                  Personal lines - Automobile
                  Personal lines - Homeowners/Dwelling Fire
                  Horse Mortality

3.    The policies solicited by Agent and written by the Company in these lines
      are referred to in this Agreement as the "Policies." The primary insured
      under a Policy is a "Policyholder."

4.    Agent is not authorized to bind or cancel Policies, or alter Policies,
      binders or any other documents issued by the Company by endorsement or
      otherwise. The Company's receipt of an application for insurance and/or a
      premium payment does not automatically constitute binding coverage. Agent
      may not represent otherwise to any person.

5.    Agent is not authorized to act as a wholesale agent or otherwise solicit
      Policies through the use of sub-agents, unless the parties have executed a
      Wholesale Agency Addendum or the Company otherwise has granted this
      authority to Agent in writing.
<PAGE>

6.    This agency appointment is not exclusive. Agent is an independent
      insurance agent. Agent may represent other insurance companies and the
      Company may appoint other insurance agents.

7.    Agent will act on the Company's behalf only pursuant to the authority that
      this Agreement grants and the underwriting guidelines (including rules,
      regulations and rate manuals) and other written directives that the
      Company furnishes to Agent. The Company may amend these guidelines and
      directives at any time.

8.    Agent will report to Company no later than 10 days after the requested
      effective date all endorsements, cancellations, renewals and similar
      actions that affect or change a risk previously bound with the Company.

9.    Agent will maintain a complete record of all transactions involving the
      Company and the Policyholders, including records of all policies,
      endorsements, and modifications issued by the Company, billing and
      accounting transactions and notices of all claims or occurrences
      representing potential claims. The Company may inspect and audit these
      records at any reasonable time.

10.   Agent will maintain Errors and Omissions Insurance in an amount, form and
      with a carrier reasonably acceptable to the Company.

PREMIUMS AND COMMISSIONS

11.   The Policies will be either Agent-billed or Company-billed depending on
      the line of business and the billing Addendum to that effect between the
      parties. The Company may change this Agreement's billing provisions at its
      discretion.

12.   Agent will hold any premiums, taxes, fees and audit premiums on any Policy
      that Agent receives under any circumstances as the Company's trustee, and
      will hold any such monies in trust for the Company's benefit in a properly
      maintained fiduciary account. Agent will retain the income from any such
      funds it holds in trust for the Company.

13.   Agent will be liable to the Company for all premiums due on a Policy that
      Agent receives.

14.   This is the Company's policy on checks returned for non-sufficient funds
      ("NSF"):

      a.    If a Policyholder makes a down payment on a renewal policy with an
            NSF check, the Company will flat cancel the Policy.

      b.    If a Policyholder makes an installment payment on a Policy in effect
            with an NSF check, the Company will cancel the Policy at the date of
            earned equity.

      c.    If Agent makes a down payment or an installment payment on a Policy
            in effect with an NSF check, the Company will re-deposit the check
            one time. If the check is returned a second time, the Company will
            flat cancel the Policy if the check was for a down payment and
            cancel at the date of the earned equity if the check was for an
            installment premium.

      d.    If a Policyholder makes a premium or other payment on a Policy to
            Agent by an NSF check and Agent has sent an agency check to the
            Company on that Policy, Agent must notify the Company about the NSF
            check in writing within 30 days of the Policy's effective date and
            send the Company a copy of both sides of the NSF check. When the
            Company receives the notice and the check copy, the Company will
            flat cancel the Policy if the check was for a down payment and
            cancel at the date of the

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            earned equity if the check was for an installment premium. Agent
            must deliver both a timely notice and the check copy in order to be
            reimbursed from the return premium.

15.   The Company will bill Policyholders directly for amounts due on
      installment premiums due the Company. If a Policyholder sends an
      installment or any other direct billed premium payment to Agent, Agent
      will remit that premium to the Company immediately upon receipt.

16.   The Company will pay Agent commissions at the rate stated on this
      Agreement's Commission Addendum. Special commission rates may be
      negotiated via mutual agreement between the Agent and the Company. The
      Company may modify this Addendum at any time by providing 30 days prior
      written notice to Agent. The commissions fully compensate Agent for its
      services under this Agreement. The Company is not responsible for Agent's
      expenses.

17.   If a Policy is cancelled with a return of unearned premium or if a
      Policy's premiums are reduced during its term, Agent will refund to the
      Company the commission it received on the returned or reduced premium,
      calculated on a pro rata basis at the rate at which the commission was
      originally paid. Agent will pay the refund within 10 days after the
      Company's written notice to Agent. This obligation survives this
      Agreement's termination.

18.   The Company may, in its sole discretion, offset any payment due from Agent
      under this Agreement against any commissions due to Agent from the
      Company.

19.   At its option, the Company may relieve Agent of the responsibility for
      collecting premiums resulting from audits on cancelled Policies or on
      audit Policies not renewed by Agent where Agent notifies the Company in
      writing within 30 days of initial billing date on audit Policies that the
      premiums cannot be collected by Agent, and submits written evidence of its
      attempts to collect these monies. The Company will not pay a commission to
      Agent on any premium balance for which the Company accepts collection
      responsibility, including audits billed directly to Policyholders by the
      Company.

CLAIMS

20.   Agent will report to the Company all actual and potential claims on a
      Policy. This report will be made in writing no later than the end of the
      business day following the day that Agent receives notice of the claim,
      regardless of how the notice is obtained or received. Agent will forward
      to the Company immediately all proofs of loss, notice-of-claim letters,
      summons and complaint and other legal papers or documents relating to such
      a claim.

21.   Agent is not authorized to respond to claims made on a Policy. Agent will
      not bind the Company to pay any claim submitted by a Policyholder to the
      Company, nor represent to a Policyholder that it can respond to a claim.

AGENT'S SUCCESSOR

22.   Agent will notify the Company in writing of its intent to sell, merge or
      otherwise transfer all or part ownership of its insurance agency or its
      interest in the Policy expirations. This notice will be given as soon as
      practicable but not less than 30 days prior to the effective date of any
      such proposed transaction. At its sole discretion, the Company may assign
      this Agreement to the successor, enter into a new Agency Agreement with
      the successor, or terminate this Agreement.

23.   Agent may not assign this Agreement without the Company's express written
      consent.

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TERMINATION

24.   This Agreement will terminate if (any one):

      a.    A party gives 60 days' advance written notice to the other, without
            assigning cause.

      b.    Automatically, if Agent's license or certificate of authority is
            terminated, written notice of which Agent must give to the Company
            by the end of the business day following the date of termination.

      c.    Automatically, on the effective date of the sale or transfer to, or
            merger with a successor of Agent's business, unless the Company has
            agreed to appoint the successor as an insurance agent as provided
            above.

      d.    Automatically, if any federal or state insolvency proceeding is
            started by or against either party, which proceeding is not
            dismissed within 30 days of its filing.

      e.    Immediately upon either party giving written notice to the other in
            the event of abandonment, fraud, or gross and willful misconduct on
            the part of such other party, in which case (unless otherwise agreed
            to by the Company) Agent's authority under this Agreement is
            immediately revoked.

      f.    Upon Agent's default in its payment or performance obligations under
            this Agreement, in which case the Company immediately terminate this
            Agreement without notice and be relieved of any further obligation
            to Agent (while retaining the right to suspend Agent's authority of
            Agent on terms Company may provide in its sole discretion).

25.   If this Agreement is terminated pursuant to subparagraph (a) above, the
      Company will service the unexpired Policies, and arrange for appropriate
      underwriting, claims, inspection, premium audit and other necessary
      services on these Policies. At Agent's request, the Company will provide
      the Agent with a complete list of existing direct billed Policies,
      including expiration dates, together with other information on the
      Policies contained in the Company's records as may reasonably be provided.
      The Agent's authority to write or submit any new business on behalf of the
      Company shall be terminated upon receipt of the written notice.

26.   During this Agreement's term, both Agent and the Company will have the
      rights to the Policies' expirations and records. If this Agreement
      terminates, Agent's rights to the expirations and records will continue
      and become exclusive and the Company's rights will terminate. If, however,
      at termination the Agent is in default of any of this Agreement's
      obligations, then Agent's rights to the expirations and records will
      terminate and the Company's rights will continue and become exclusive. To
      this end, Agent grants the Company a security interest in the Policy's
      expirations.

OTHER TERMS

27.   If there is a conflict between this document and any Addendum to this
      document, the Addendum will govern.

28.   Where local usage or insurance law uses terms such as "producer" or
      "broker" instead of "agent" this Agreement is to be read so as to
      substitute the local usage term without other change in the express or
      implied meaning of its terms.

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29.   All supplies including forms, policies, manuals, and software rating discs
      furnished by the Company will remain the Company's property, and will be
      returned to the Company upon demand.

30.   Agent shall not publish or distribute any advertisements, circulars or
      other materials referring to the Company or containing the Company's name
      or logo without first securing written approval from the Company.

31.   Agent will indemnify the Company for any claim, damage or payment that the
      Company may become obligated to pay as a result of Agent's negligence or
      its acts or omissions that are beyond the scope of Agent's authority
      stated in this Agreement. This indemnity includes any out-of-pocket costs
      relating to the claim, damage or payment including attorney fees.

32.   The Company will indemnify Agent for any claim, damage or payment that
      Agent may become obligated to pay as a result of the Company's negligence.
      This indemnity includes any out-of-pocket costs relating to the claim,
      damage or payment including attorney fees.

33.   The Company alone may revise this Agreement after it gives the Agent no
      less than 30 days advance written notice describing the revision and its
      effective date. In the interest of proper recordation, but not as a
      condition to the effectiveness of the revision, the parties will confirm
      in writing and sign any revision of the Agreement.

34.   The Company may immediately discontinue any product line described in this
      Agreement without liability to Agent. The discontinuance of any product
      line will not by itself result in a termination or suspension of this
      Agreement.

35.   This Agreement supersedes any and all previous agency agreements between
      the parties.

36.   Agent is not the Company's employee but instead is an independent
      insurance agent acting as an independent contractor. As such, the
      Agreement creates a principal-agent relationship between the Company and
      Agent, and the latter assumes fiduciary responsibilities toward the
      former.

37.   Michigan law governs this Agreement.

38.   Federal and state financial services privacy laws govern how the parties
      must protect the privacy of current and potential Policyholders' personal
      nonpublic information. The Company's "Privacy Policy" is attached to this
      Agreement. The Company and Agent will each handle this personal nonpublic
      information with the standard of care and confidentiality described in the
      Privacy Policy, and in compliance with applicable law. Agent will follow
      the Privacy Policy in all of its actions on the Company's behalf. When
      Agent acts at the Company's request concerning a current or potential
      Policyholder, Agent will deal only with third parties that comply with
      these privacy laws in the way in which they handle this personal nonpublic
      information. Agent will not share personal nonpublic information about the
      Company's Policyholders with any third person.

39.   If the insurance law governing the relationship between an insurer and its
      agent in the state in which Agent is located provides different time
      periods or otherwise contradicts some term in this Agreement, that state
      law governs.

40.   A party's delay or omission in exercising any right will not waive that or
      any other right. A party will be deemed to have waived a right if it has
      done so in writing.

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41.   The invalidity of any particular provision of this Agreement will not
      affect the remaining terms and provisions of this Agreement, which will
      remain in full force and bind the parties to this Agreement.

NORTH POINTE INSURANCE COMPANY               AMELIA UNDERWRITERS, INC.
AND/OR                                       ("Agent")
NORTH POINTE CASUALTY INSURANCE COMPANY
("Company")

By: /s/ Donald C. Williams                   By: /s/ George Shaffield
    -----------------------                      --------------------
    Donald C. Williams, V.P. Marketing

<PAGE>

                           BINDING AUTHORITY ADDENDUM
                               (COMMERCIAL LINES)

      This Addendum, effective June 1, 2004, is part of and amends the terms of
the AGENCY AGREEMENT between "Company" as designated in the Agency Agreement and
the Agent named below. Capitalized terms have the same definitions as are found
in the Agency Agreement.

      1. The Company grants Agent authority to bind risks in the COMMERCIAL
LINES of insurance business identified in the Agency Agreement.

      2. For each risk Agent binds, it will submit to the Company (a) the
prospective Policyholder's application for insurance; and (b) the premium
payment (or down payment if the Policy is to be paid on an installment basis) in
the form of an agency check, policyholder's check or a money order. The Company
must receive these materials within 10 business days of the requested effective
date for insurance. Applications received after this time limit will be
effective as of the date received in the Company's office.

      3. The Company may review, approve, reject, re-rate or quote alternatives
to applications received from Agent, at the Company's sole discretion.

      4. The Company will prepare and issue Policies, endorsements and other
necessary documents that will be forwarded to Agent for delivery to the
Policyholder on business accepted by the Company.

      5. The Company may terminate this binding authority at any time upon 30
days written notice to Agent.

NORTH POINTE INSURANCE COMPANY               AMELIA UNDERWRITERS, INC.
AND/OR                                       ("Agent")
NORTH POINTE CASUALTY INSURANCE COMPANY
("Company")

By: /s/ Donald C. Williams                   By: /s/ George Shaffield
    -----------------------                      --------------------
    Donald C. Williams, V.P. Marketing

<PAGE>

                        COMPANY BILLED POLICIES ADDENDUM

      This Addendum, effective June 1, 2004, is part of and amends the terms of
the AGENCY AGREEMENT between "Company" as designated in the Agency Agreement and
the Agent named below. Capitalized terms have the same definitions as are found
in the Agency Agreement.

      1. The Company will bill COMMERCIAL LINES Policyholders for premiums on
their Policies on a direct-bill basis.

      2. Agent's name will be displayed on all Company billings, renewal
policies and renewal certificates, in type no smaller than produced by Company's
data processing equipment.

      3. The Company will send to Agent copies of all bills, underwriting
requests, recommendations, audits, cancellation notices and other written
communications that it sends to the insured.

      4. The Company will prepare itemized Commission Statements in accordance
with Company records, which will be sent to Agent on a monthly basis.

      5. The balance due shown in a Commission Statement will be paid to Agent
not later than 30 days following the date the statement was prepared.

      6. Omission of any item(s) from a monthly commission statement will not
relieve either party of the responsibility to account for and pay all amounts
due the other, nor will it prejudice the right of either party to collect all
such amounts due from the other.

      7. If the Company uses records relating to the Policies, including names
of Policyholders and expiration dates, for purposes of soliciting the sale of
other insurance products or services, Agent will be entitled to a reasonable
commission or fee, where permitted by law, on any resulting sales.

      8. If this Agreement terminates, provided Agent is entitled to the
Policies' expirations and records pursuant to the Agency Agreement, the Company
will notify all Company billed Policyholders at least 45 days prior to renewal
date of its intent not to renew their policies, and will furnish Agent a record
of in-force billed Policies, including expiration dates and policy numbers.

NORTH POINTE INSURANCE COMPANY               AMELIA UNDERWRITERS, INC.
AND/OR                                       ("Agent")
NORTH POINTE CASUALTY INSURANCE COMPANY
("Company")

By: /s/ Donald C. Williams                   By: /s/ George Shaffield
    -----------------------                      --------------------
    Donald C. Williams, V.P. Marketing

<PAGE>

                            WHOLESALE AGENCY ADDENDUM

      This Addendum, effective June 1, 2004, is part of and amends the terms of
the AGENCY AGREEMENT between "Company" as designated in the Agency Agreement and
the Agent named below. Capitalized terms have the same definitions as are found
in the Agency Agreement.

1.    Notwithstanding anything else in the Agency Agreement to the contrary,
      Agent is authorized to act as a wholesale Agent or otherwise solicit
      Policies through the use of sub-agents or retail agents.

2.    The grant of this authority does not restrict Agent's right to market the
      Company's insurance products both directly to potential Policyholders and
      through sub-agents, who will be deemed agents of Agent for purposes of
      carrying out the Agency Agreement's terms. The Company retains the right
      to pre-qualify any such sub-agents.

3.    Any document stating the terms of Agent's appointment of a sub-Agent for
      purposes of marketing the Company's insurance products will incorporate by
      reference the terms of the Agency Agreement. Agent is obligated to enforce
      the terms of the Agency Agreement as to any of its sub-agents.

NORTH POINTE INSURANCE COMPANY               AMELIA UNDERWRITERS, INC.
AND/OR                                       ("Agent")
NORTH POINTE CASUALTY INSURANCE COMPANY
("Company")

By: /s/ Donald C. Williams                   By: /s/ George Shaffield
    -----------------------                      --------------------

<PAGE>

                               COMMISSION ADDENDUM

      This Addendum, effective June 1, 2004, is part of and amends the terms of
the AGENCY AGREEMENT between "Company" as designated in the Agency Agreement and
the Agent named below. Capitalized terms have the same definitions as are found
in the Agency Agreement.

      Unless otherwise determined by the Company on an individual risk basis,
the Company will pay Agent the following Commission rates:

<TABLE>
<CAPTION>
                                              RATE
                                              ----
<S>                                           <C>
Commercial Property:                           16%
Commercial Package Policies (CPP):             16%
Inland Marine:                                 16%
Business Owners Policies (BOP):                16%
General Liability:                             16%
Composite Rated Contractors Program (CRCP):    16%
Garage Package (Auto Service Pac):             16%
Commercial Automobile:                         16%
Commercial Umbrella:                           10%
Restaurant Program:                            16%
</TABLE>

The Company may modify this Addendum at any time by providing 30 days prior
written notice to Agent. The commissions fully compensate Agent for its services
under this Agreement. The Company is not responsible for Agent's expenses.

NORTH POINTE INSURANCE COMPANY               AMELIA UNDERWRITERS, INC.
AND/OR                                       ("Agent")
NORTH POINTE CASUALTY INSURANCE COMPANY
("Company")

By: /s/ Donald C. Williams                   By: /s/ George Shaffield
    -----------------------                      --------------------
    Donald C. Williams, V.P. Marketing

<PAGE>

                         CONTINGENT COMMISSION ADDENDUM

      This Addendum, effective June 1, 2004, is part of and amends the terms of
the AGENCY AGREEMENT between "Company" as designated in the Agency Agreement and
the Agent named below. Capitalized terms have the same definitions as are found
in the Agency Agreement.

1.    The Company agrees to pay and the Agent agrees to accept as full
      compensation on the product lines described in the Commission Addendum and
      placed with the Company through Agent, a commission consisting of: (1) an
      advance commission in accordance with the terms and provisions of Agency
      Agreement and Commission Addendum; and (2) a contingent commission which
      shall be determined and paid in accordance with the terms and conditions
      set forth in the Agency Agreement and this Addendum.

2.    Subject to the terms and conditions of the Agency Agreement, the
      contingent commission shall be calculated and paid on the following basis:

      a.    The Company will not pay the contingent commission for any calendar
            year period for which the contingent commission calculation is being
            made, unless the written premiums, less return premiums, produced by
            Agent exceeds $100,000.

      b.    The Company has no obligation to pay the contingent commission with
            respect to any premiums before such premiums are earned and received
            by the Company.

      c.    The Company has no obligation to pay the contingent commission if
            the Agent is delinquent in either accounting or payment of monies
            due the Company.

      d.    If Agent meets the requirements of Section 2(c) of this Addendum,
            then within 90 days after the end of the current calendar year and
            each calendar year thereafter (i) an accounting shall be prepared at
            the home office of the Company reflecting the following for that
            calendar year and (ii) the applicable contingent commission computed
            therein shall be paid by the Company to Agent, subject to the other
            provisions of this Addendum.

                   CONTINGENT COMMISSION CALCULATION ADDENDUM

EARNED PREMIUM

LESS:     ADVANCE COMMISSIONS                    _____________

LESS:     LOSSES (AS DEFINED BELOW)              _____________

LESS:     PREMIUM TAXES                          _____________

LESS:     GENERAL AND ADMINISTRATIVE EXPENSES    _____________

EQUALS:   BASE FOR CONTINGENT COMMISSION         _____________ PROFIT/(DEFICIT)

CONTINGENT COMMISSION (25% OF BASE)              _____________

As used in this Addendum, "losses" include:

            (i)   Losses actually paid and adjustment expenses in connection
                  therewith;

            (ii)  Losses outstanding, which includes unsettled losses and
                  adjustment expenses in connection therewith as estimated by
                  the Company; and
<PAGE>

            (iii) Reserves for incurred but not reported (IBNR) losses,
                  including reserve deficiencies for losses and expenses, as
                  estimated by the Company. Such reserve shall be subject to
                  adjustment by the Company for any accounting period.

3.    Acceptance and endorsement of the Company's check issued in payment of
      commission due under the terms of any addendum shall constitute a
      representation by Agent that all known claims under the policies issued by
      or on behalf of the Company have been accurately, promptly and completely
      reported to the Company.

4.    With respect to any deficits created by the above contingent commission
      calculation, the Company, at its sole option, may do one of the following:

      a.    waive the deficit;

      b.    forward the deficit one (1) year (i.e., set off the deficit in the
            calendar year following the current year);

      c.    forward the deficit two (2) years (i.e., set off the deficit in the
            two calendar years following the current year); or

      d.    impose the deficit in the current year.

5.    Agent agrees that if the result of the contingent commission computation
      on the lines of business to which this Addendum relates produces a deficit
      amount, then such deficit amount is to be deducted from any other
      contingent commission payable to Agent on any other lines of business.
      Agent further agrees that if the results of the contingent commission
      computation on the lines of business to which this Addendum relates
      produces a positive amount, then this positive amount may be applied by
      the Company to reduce or extinguish any existing deficit under any other
      contingent commission computation with respect to Agent on any other lines
      of business.

6.    The Company retains the right to modify or revise the terms and conditions
      of this Addendum and the calculation(s) used in determining the contingent
      commission payable to the Agent after giving the Agent 30 days advance
      written notice of such modification or revision.

7.    In the event of termination of the Agency Agreement, no contingent
      commission shall be paid with respect to the calendar year in which the
      Agency Agreement is terminated and following calendar years.

NORTH POINTE INSURANCE COMPANY               AMELIA UNDERWRITERS, INC.
AND/OR                                       ("Agent")
NORTH POINTE CASUALTY INSURANCE COMPANY
("Company")

By: /s/ Donald C. Williams                   By: /s/ George Shaffield
    -----------------------                      --------------------
    Donald C. Williams, V.P. Marketing

                                       2<PAGE>

                                                                   EXHIBIT 10.21

                            GENERAL AGENCY AGREEMENT

      THIS AGREEMENT, made this 1st DAY OF August, 1996, between North Pointe
Insurance Company, referred to as the "COMPANY," and MS General Agency, Inc.,
hereinafter referred to as the "GENERAL AGENCY".

      For consideration received and pursuant to GENERAL AGENCY'S request that
the underwriting facilities of COMPANY be made available to GENERAL AGENCY, it
is agreed that:

1.    APPOINTMENT.

      The COMPANY appoints GENERAL AGENCY with the authority and the power to
      solicit, receive, accept, bind, decline, countersign, and endorse
      insurance on such classes of risk as the COMPANY from time to time may
      authorize by letter of instruction, underwriting bulletin or underwriting
      guide, which shall become a part of this contract, collect premiums, and
      generally with all powers and authority necessary to conduct a general
      agency for the COMPANY in the state(s) listed in the attached Appointment
      and Commission Addendum, incorporated herein by reference. This authority
      shall not be delegated by GENERAL AGENCY to any one person or persons
      except as is expressly authorized in writing by an offices of the COMPANY.
      This appointment is not exclusive and the COMPANY may appoint others in
      the same state(s).

2.    ACCEPTANCE OF APPOINTMENT.

      GENERAL AGENCY accepts the appointment, agreeing to perform faithfully the
      duties thereof to the best of its knowledge, skill, judgment.

3.    REPORTING.

      GENERAL AGENCY agrees to make prompt reports to COMPANY in such manner as
      may be required by COMPANY of risks written, including renewals and/or
      endorsements, to make full and prompt reports of all losses incurred, as
      well as of all other details relating to the business and affairs of
      COMPANY; and to allow personal examination and audit by a representative
      of COMPANY
<PAGE>
            of all papers, records, and accounts referring thereto.

4.    COMMISSIONS.

      (a)   As full compensation for insurance placed with COMPANY, COMPANY will
            pay commissions in accordance with the attached General Agent
            Commission Schedule (Addendum 1) (hereinafter referred to as
            "Commissions").

      (b)   GENERAL AGENCY agrees, either during the continuance of this
            Agreement or after its cancellation to refund unearned Commissions
            caused by policy cancellations or reductions, in each case at the
            same rate at which such Commissions were retained by or paid to
            GENERAL AGENCY.

      (c)   COMPANY reserves the unilateral right to revise the rates of
            Commissions by giving not less than sixty (60) days written notice
            to GENERAL AGENCY. Such change shall not affect Commissions on
            Premiums written before the effective date stated in the written
            notice.

      (d)   Uncollectible premiums arising from additional amounts due on
            particular policies as a result of adjustable exposures or audits
            may be turned back to COMPANY for direct collection and GENERAL
            AGENCY shall not be responsible for such premium provided:

            (1)   GENERAL AGENCY has made every reasonable effort to obtain and
                  retain an adequate deposit premium; and

            (2)   GENERAL AGENCY has billed for and made at least three attempts
                  (including original billing) to collect the additional
                  premium; and

            (3)   Notifies COMPANY no less than forty-five (45) days and no more
                  than sixty (60) days after the month in which GENERAL AGENCY
                  issued the Audit Endorsement and provides to COMPANY proof of
                  its three attempts to collect along with proof

                                       2
<PAGE>
                  of two attempts by its subproducer to collect the additional
                  premium due.

      (e)   No Commission will be paid on items turned over to COMPANY for
            collection, unless subsequently collected by GENERAL AGENCY.

5.    PREMIUMS AND ACCOUNTING.

      The following provisions are applicable to all insurance placed by GENERAL
      AGENCY with COMPANY:

      (a)   GENERAL AGENCY guarantees payment of all monies due COMPANY on
            business written under this Agreement, whether or not collected by
            GENERAL AGENCY. There shall be no flat cancellations of policies or
            coverage bound or issued unless specifically authorized in writing
            by COMPANY.

      (b)   Premium accounts, as shown in COMPANY'S monthly statements, are due
            and payable to COMPANY as rendered. Payment is due in COMPANY'S
            office forty-five (45) days from the end of the statement month and
            in no event shall credit for the payment of premiums so reflected be
            extended for longer than 45 days from the end of the month for which
            the monthly statement applies. Requirement for payment "as rendered"
            can only be waived by the COMPANY.

      (c)   In the event of a dispute regarding to the dollar amount owed to
            COMPANY for an individual policy or in total for a monthly account
            statement, GENERAL AGENCY agrees to pay the full amount stated by
            COMPANY. COMPANY and GENERAL AGENCY shall cooperatively investigate
            and attempt to resolve any such discrepancies as quickly as
            reasonably possible. If COMPANY and GENERAL AGENCY are unable to
            amicably resolve the discrepancy, the dispute may be submitted to
            arbitration in accordance with the terms of this Agreement.

                                       3
<PAGE>

      (d)   All premiums are the property of COMPANY and shall be held by
            GENERAL AGENCY in a fiduciary capacity in trust for COMPANY until
            delivered to COMPANY. The keeping of an account with GENERAL AGENCY
            on COMPANY'S behalf, as a creditor and debtor account, is declared a
            record memorandum of business transacted, and neither such keeping
            of account nor alteration in commission amount, nor failure to
            enforce prompt remittance, compromise, settlement, declaration of
            balance of account nor suspension or cancellation of this General
            Agency Agreement shall be held to waive assertion of the fiduciary
            relationship as to Premiums collected by GENERAL AGENCY.

      (e)   The right of GENERAL AGENCY or any other person to receive
            Commissions shall at all times be subordinate to the right of
            COMPANY to offset or apply Commissions, including Profit Sharing
            Commissions, against any indebtedness of GENERAL AGENCY to COMPANY.
            This right of offset shall also apply against any liability incurred
            by COMPANY to any person(s) by reason of any negligent or
            unauthorized acts committed by GENERAL AGENCY.

      (f)   All accounting and underwriting records of GENERAL AGENCY pertaining
            to Contracts written through COMPANY shall be subject to inspection
            by COMPANY at any reasonable time during the continuance of this
            Agreement and for three years after the termination hereof

6.    INDEPENDENT CONTRACTOR STATUS.

      COMPANY and GENERAL AGENCY agree that this General Agency Agreement is
      best served when GENERAL AGENCY is an Independent Contractor for all
      purposes. As an independent contractor, GENERAL AGENCY has the right to
      exercise independent judgment as to time, place and manner of soliciting
      insurance applications, servicing policyholders, and otherwise carrying
      out

                                       4
<PAGE>
      the provisions of the Agreement. Furthermore, GENERAL AGENCY will pay all
      expenses in connection with its GENERAL AGENCY and has no authority to
      incur any indebtedness on behalf of COMPANY.

      GENERAL AGENCY'S authority hereby conferred does not extend to the
      adjustment, compromise or settlement of claims or the waiver of any policy
      condition in relation thereto except upon specific authority in writing
      from COMPANY.

7.    NOTIFICATION TO THE COMPANY.

      GENERAL AGENCY agrees to forward to COMPANY copies of all binders,
      policies, certificates and endorsements issued by GENERAL AGENCY, or to
      otherwise notify COMPANY of all liability accepted within thirty (30) days
      following the effective date of such liability. However, any risk which
      GENERAL AGENCY submitted to COMPANY for approval because GENERAL AGENCY
      was not given authority to quote that particular risk by COMPANY'S
      Underwriting Guide or underwriting program and which was approved for
      quote by COMPANY must be reported to COMPANY the same day that GENERAL
      AGENCY binds that risk.

      Losses reported to GENERAL AGENCY shall be reported to COMPANY the same
      day as received by GENERAL AGENCY.

8.    OWNERSHIP OF EXPIRATIONS.

      If, upon cancellation of this Agreement, GENERAL AGENCY has promptly
      accounted for and paid to COMPANY all Premiums and other monies and
      securities collected or held for or on behalf of COMPANY for which GENERAL
      AGENCY may be liable; the records of GENERAL AGENCY and the use and
      control of expirations shall remain the property of GENERAL AGENCY;
      otherwise, the right and title to the records and the use and control of
      ownership of expirations shall be vested in COMPANY for sale, use or
      disposal as it deems fit to reduce

                                       5
<PAGE>
      the amount of indebtedness.

      Regardless of who owns control of the expiration dates, COMPANY and
      GENERAL AGENCY recognize that the policyholder, who pays the premium,
      ultimately decides who services and underwrites their insurance.
      Therefore, despite the language regarding the property rights and the
      expiration dates of policies, the decision of the policyholder reflects
      the ultimate proprietary interest of expirations.

9.    SUSPENSION.

      COMPANY may immediately suspend all or any part of the authority given the
      GENERAL AGENCY under this Agreement:

      (a)   If COMPANY ceases to write Insurance in the GENERAL AGENCY'S
            state(s), or

      (b)   If GENERAL AGENCY fails to satisfy any obligation under this
            Agreement, or

      (c)   If any public authority cancels, suspends or declines to renew
            GENERAL AGENCY'S license or certificate of authority, or

      (d)   On the effective date of sale, transfer, or merger of GENERAL
            AGENCY'S business, or

      (e)   Upon attachment of GENERAL AGENCY'S business, records or accounts
            pursuant to any order of court. Notice of suspension shall be given
            in writing to GENERAL AGENCY and GENERAL AGENCY shall thereupon
            immediately cease exercising the authority, as referenced in the
            Notice of Suspension, until GENERAL AGENCY receives notice in
            writing from COMPANY that the suspension is no longer applicable.
            The provisions of this section shall in no way diminish the right of
            COMPANY to cancel this Agreement, nor is suspension a required
            pre-requisite to cancellation.

10.   CANCELLATION.

      This Agreement may be canceled:

                                       6
<PAGE>

      (a)   At any time by mutual agreement, or

      (b)   Automatically if any public authority cancels, suspends or declines
            to renew GENERAL AGENCY'S license or certificate of authority, or

      (c)   Automatically on the effective date of sale, transfer, or merger of
            GENERAL AGENCY'S business; or

      (d)   Automatically upon attachment of GENERAL AGENCY'S business, records
            or accounts pursuant to any order of court or regulatory official.

      (e)   By either party upon sixty (60) days written notice to the other (or
            such longer period as may be required by the agent cancellation law
            of GENERAL AGENCY'S state of domicile).

      Any unused policies, certificates, endorsements or binders, and other
      unused supplies containing COMPANY'S name and/or logo trademarks shall be
      the property of COMPANY and shall be accounted for and surrendered by
      GENERAL AGENCY to COMPANY on demand.

11.   GENERAL AGENCY'S OBLIGATIONS AFTER TERMINATION.

      If upon cancellation of this Agreement GENERAL AGENCY is entitled to the
      ownership, use and control of expirations, COMPANY at GENERAL AGENCY'S
      election will continue outstanding insurance in force until the normal
      expirations of such insurance subject to the following:

      (a)   COMPANY reserves all of its rights to cancel policies continued in
            force for non-payment of Premium or for underwriting reasons.

      (b)   GENERAL AGENCY shall continue to service the outstanding policies,
            process non-renewal notices and endorse the policies.

      (c)   With respect only to the servicing of policies continued in force
            after the termination of this Agreement, GENERAL AGENCY shall
            continue to be the recognized representative of COMPANY, subject to
            all of the provisions of this Agreement, except that GENERAL

                                       7
<PAGE>

            AGENCY shall not, without the prior approval of COMPANY, increase or
            extend the term or condition of any policies.

      (d)   All Premium are promptly accounted for and paid to COMPANY by
            GENERAL AGENCY.

      (e)   The policyholder has the ultimate right to decide who writes their
            insurance.

12.   INDEMNIFICATION.

      (a)   COMPANY will defend and indemnify GENERAL AGENCY against liability,
            including the cost of defense and settlements, imposed by law for
            damages sustained by policyholders and caused by acts or omissions
            of COMPANY, provided GENERAL AGENCY has not caused or contributed to
            such liability by any act or omission. GENERAL AGENCY agrees to
            notify COMPANY promptly of any claim or suit against GENERAL AGENCY
            and to cooperate and participate with COMPANY in any investigation,
            settlement or defense of the claim or suit.

      (b)   GENERAL AGENCY agrees to indemnify and hold COMPANY harmless for any
            damages resulting directly or indirectly from GENERAL AGENCY'S
            negligence, acts or omissions, any violations of any insurance law
            or insurance department regulation and/or breach of GENERAL AGENCY'S
            obligations under this Agreement.

      (c)   GENERAL AGENCY agrees to maintain the following kinds of insurance
            in at least the amount indicated and provide proof of such coverage
            upon request by COMPANY:

<TABLE>
<S>                                            <C>
COMPREHENSIVE GENERAL LIABILITY                $ 500,000/OCCURRENCE
PROFESSIONAL ERRORS AND OMISSIONS              $1,000,000/EACH CLAIM AND IN THE
                                               AGGREGATE
</TABLE>

13.   GENERAL PROVISIONS:

      (a)   COMPANY shall not be responsible for expenses incurred by GENERAL
            AGENCY,

                                       8
<PAGE>

            whether on GENERAL AGENCY or COMPANY'S behalf, unless previously
            authorized by COMPANY in writing.

      (b)   GENERAL AGENCY shall not broadcast, publish or distribute any
            advertising materials or other matters, including marks or logos,
            referring to COMPANY or to COMPANY'S Contracts of Insurance, without
            first securing written approval from an officer of COMPANY.

      (c)   Upon suspension of GENERAL AGENCY'S authority or cancellation of
            this Agreement COMPANY may, at its sole discretion, seek to collect
            premiums directly from any producing agency or from the insured.

      (d)   This Agreement shall not inure to the benefit of any successor in
            interest of GENERAL AGENCY nor may any interest under this Agreement
            be assigned by GENERAL AGENCY without the prior written consent of
            an officer of COMPANY.

      (e)   If COMPANY shall find it necessary to perform any duty otherwise
            imposed on GENERAL AGENCY under this Agreement, or by course of
            conduct to continue to service the outstanding Contracts of
            Insurance, GENERAL AGENCY shall be liable for all reasonable costs,
            including attorney's fees, incident thereto.

      (f)   It is further understood and agreed that the individual stockholders
            of GENERAL AGENCY, who are officers of GENERAL AGENCY, shall
            guarantee that all conditions of the Agreement and any supplement,
            amendment, extensions or renewals thereof shall be binding upon them
            severally and jointly in the same manner as upon GENERAL AGENCY.

      (g)   It is expressly understood and agreed that there are no promises,
            agreements, or understandings other than those contained in this
            written General Agency Agreement; that all prior General Agency
            Agreements with COMPANY, whether written or oral, are hereby

                                       9
<PAGE>

            superseded; and that no general agency, employee or other
            representative of COMPANY has any authority to obligate COMPANY by
            any terms, stipulations, or conditions not herein expressed unless
            the same be in writing from an officer of COMPANY and attached to
            and made a part of this Agreement.

      (h)   Notices under this Agreement shall be given by delivering or mailing
            a copy to the party entitled to notice. Notice by mail shall be
            deemed sufficiently given when mailed by certified mail, postage
            prepaid, addressed to COMPANY, or to GENERAL AGENCY at the last
            known address of GENERAL AGENCY according to COMPANY'S records.

      (i)   GENERAL AGENCY shall comply with all applicable laws or regulations
            of the state(s) in which it may operate with respect to the
            procurement and placement of insurance and shall provide the
            appointing authority in each state with all required filings,
            affidavits, and reports; and agrees to collect and to pay all
            premium taxes or other required taxes or fees that may become due
            any taxing authority within the boundaries of any state or
            commonwealth.

      (j)   GENERAL AGENCY agrees to assist COMPANY in the prompt reporting of
            losses on business written and in a reasonable amount of subsequent
            investigation as may be required by COMPANY; but GENERAL AGENCY'S
            authority is limited to ascertaining and reporting facts to COMPANY.
            GENERAL AGENCY has no authority to bind COMPANY on any matter
            relating to the acknowledgment or acceptance, or compromising or
            payment of any losses, unless directed to do so in writing by
            COMPANY. No action or inaction of COMPANY shall serve as a waiver of
            this limitation.

      (k)   If any dispute or disagreement shall arise in connection with any
            interpretation of this Agreement, its performance or nonperformance,
            or the figures or calculations used, the parties shall make every
            effort to meet informally and settle such dispute in good faith.

                                       10
<PAGE>

            However, if this fails to resolve the dispute, then it is agreed
            that such differences shall be submitted for arbitration to three
            disinterested executive officers of casualty insurance companies
            incorporated in the United States, one to be chosen by COMPANY, one
            by GENERAL AGENCY, and the third by the two so chosen; and a
            decision of the majority of the three shall in each case be final.
            The arbitrators shall be required to decide matters submitted to
            them upon the customs and usages of the business in a spirit of
            equity rather than of technicalities or legal requirements. Each
            party shall pay the expense of its own arbitrator and a pro rata
            portion of the expense of the third arbitrator. Unless otherwise
            agreed by the parties hereto, the seat of arbitration shall be
            Southfield, Michigan. No arbitration is required with respect to
            Premiums due COMPANY and COMPANY can proceed with Civil action
            without arbitration.

      (l)   If a conflict exists as to which General Agency is authorized to
            represent an existing or prospective policyholder with respect to a
            contract, the policyholder's written statement designating their
            agent and COMPANY'S general agency shall control.

      (m)   COMPANY reserves the right to directly cancel any policy or binder
            at any time. In the event of cancellation, COMPANY shall notify
            GENERAL AGENCY of such cancellation.

      (n)   It is GENERAL AGENCY'S sole responsibility to notify the insured of
            policy expiration and send notice of non-renewal when such notice is
            required by law.

      (o)   Upon request by COMPANY, GENERAL AGENCY shall submit to GENERAL
            AGENCY a financial statement of condition.

      (p)   Upon request by COMPANY for due cause, GENERAL AGENCY shall sign a
            UCC Security Agreement and filing forms regarding expirations.

      IN WITNESS WHEREOF, COMPANY has signed this Agreement by its authorized
official and

                                       11
<PAGE>

GENERAL AGENCY has signed this Agreement to be effective as of the day, month
and year first above written.

                                     COMPANY

ATTEST: /s/ Stephen C. June              BY: /s/ James G. Petcoff
        ---------------------                ------------------------------

DATED:10-17-96                           DATED: 10-17-96

                                 GENERAL AGENCY

ATTEST: /s/ Kim Smith                    BY: /s/ Greg Cox, Pres.
        ----------------------               ------------------------------

DATED: 10-04-96                          DATED: 10/4/96

                                       12
<PAGE>

                                   ADDENDUM 1

                        GENERAL AGENT COMMISSION SCHEDULE

I.    Applies to business developed via MS General Agency, excluding North
      Pointe Insurance Company direct agents.

<TABLE>

<S>                              <C>
General Agency issued policies:  22.5%
Company issued policies:         17.5%
</TABLE>

II.   Commission on North Pointe policies produced by other general agents, with
      underwriting and policy issuance performed by MS General Agency shall be
      7.5% over other general agent's commission, not to exceed 28.5% gross the
      commission.

III.  MS General Agency should it produce profitable volume shall be entitled to
      contingency/profit sharing per the attached contingent commission
      schedule, (Exhibit 1).

                                     COMPANY

ATTEST: /s/ Stephen C. June              BY: /s/ James G. Petcoff
       -------------------                   ----------------------------

DATED: 10-17-96                          DATED: 10-17-96

                                 GENERAL AGENCY

ATTEST: /s/ Kim Smith                    BY: /s/ Greg Cox, Pres.
       -------------------                   ----------------------------

DATED: 10-4-96                           DATED: 10-04-96

<PAGE>

                                    EXHIBIT 1

                  AGENCY PROFIT SHARING / CONTINGENCY SCHEDULE

                           GENERAL AGENCY CONTINGENCY

Applies to business developed by MS General Agency, excluding North Pointe
direct agent production.

1.    Total North Pointe direct written premium less returns and cancellations.

2.    Loss ratio % is calculated by using paid commercial policy claims and
      reserves on claims reported but not yet paid, divided by direct premium
      earned less returns and cancellations.

3.    Eligibility: Minimum volume required is $250,000 for the calendar year,
      commencing in 1997. For premiums written in 1996, the minimum volume shall
      be $100,000.

4.    Calculation of contingency is based upon calendar year.

5.    MS General Agency's Contingency Bonus is calculated, as follows:

<TABLE>
<CAPTION>
AGENCY DIRECT
PREMIUM                   LOSS   CONTINGENT    LOSS    CONTINGENT
WRITTEN VOLUME            RATIO  COMMISSION    RATIO    COMMISSION
--------------            -----  ----------    -----    ----------
<C>                       <C>    <C>           <C>     <C>
$250,000 to $350,000        50%    1.0%         40%        1.5%
$350,001 to $500,000        50%    2.0%         40%        3.0%
$500,001 to $750,000        50%    3.0%         40%        4.0%
$750,001 to $1,000,000      50%    3.5%         40%        4.5%
over $1,000,000             50%    4.0%         40%        5.0%
</TABLE>

Loss ratio on chart refers to a loss ratio of 50% or less, or 40% or less.

On July 1 of each year (commencing July 1, 1998), the Company will calculate the
loss ratio on premiums earned through December 31 of the year ending 18 months
prior, on a cumulative basis (based upon premiums earned the three (3) years
prior to said December 31).

Changes or termination of this Agreement may be made by mutual agreement of MS
General Agency and North Pointe Insurance Company.

                                     COMPANY

ATTEST: /s/ Stephen C. June              BY: /s/ James G. Petcoff
        ---------------------                ------------------------

DATED: 10-17-96                          DATED: 10-17-96

                                 GENERAL AGENCY

ATTEST: /s/ Kim Smith                    BY: /s/ Greg Cox, Pres.
       -------------------                   ------------------------

DATED:10-4-96                            DATED: 10-04-96

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"}]]