Agency Agreement

• Date: 25 May 1999
• Parties: Mutual Insurance Corporation of America (MICOA), Stratton, Cheeseman & Walsh-Nevada, Inc. ("Agency"), (sometimes commonly referred to as the Parties)
• State: Nevada
• Renewal Term: 1 year
• Section: Commercial Contracts

EXHIBIT10.26

MICOA

AGENCYAGREEMENT

MutualInsuranceCorporationofAmerica,aMichiganinsurance

corporation(MICOA)andStratton,Cheeseman&Walsh-Nevada,Inc.,aNevada

corporation,("Agency"),(sometimescommonlyreferredtoastheParties)agree

asfollows:

A.AUTHORITYOFAGENCY

Subjecttorequirementsimposedbylaw,theunderwritingrules,

proceduresandregulationsofMICOAandthisagreement,theAgencyis

authorizedto:

1.SolicitwithintheStateofNevada,receiveandtransmit

immediatelyanddirectlytoMICOA,proposalsforhealthcare

liabilityinsurancecontractsforwhichacommissionis

specifiedinthescheduleofcommissionsprovidedbyExhibit

A,attachedandasamendedorsupplementedbysuchattachments

fromtimetotime.

2.Produceanddelivercertificatesofinsuranceandwritten

bindersinaccordancewithMICOAunderwritingrequirements.

TheAgencyisnotauthorizedtoacceptorbindanyriskorto

otherwiseobligateMICOAwithoutspecificauthorityfrom

MICOA.

3.ProvideallusualandcustomaryservicesofanAgencyonall

policiesplacedwithMICOAsubjecttothefollowing:

a.MICOAwillnotberesponsibleforAgencyexpenses

includingbutnotlimitedtorent,transportation,

employeehireorsolicitor'sfees,postage,

telegrams,telephone,advertising,licensingfeesor

anyotherAgencyexpenseswhatsoever.

b.TheAgencywillnotundertakeorinitiateadvertising

ofanynatureinconnectionwithbusinessorpolicies

relatedtoMICOAwithouttheapprovalofMICOA.

4.TopromptlyreportallclaimsandlossesofwhichtheAgency

hasknowledgeandproperlynotifyMICOAwhentheAgency

receivesnoticeofthecommencementofanyrelatedlegal

action.Agencyshallrefrainfromadmittingordenying

liabilityonthepartofthecompanyinconnectionwithany

claimorlawsuit.

5.InreturnfortheexclusiveappointmentofAgencybyMICOAto

sellitsprofessionalliabilityproductslistedonthe

&sbsp;attachedCommissionSchedule

inNevada,Agencyagreesnottosellanycompeting

professionalliabilityproductsinNevada,withoutthewritten

consentofMICOA.Providedthat,ifaparticularriskhasbeen

submittedtoMICOAandMICOAhasdeclinedthatrisk,then

Agencymaysearchappropriatemarketsforplacementofthat

risk,andmayplacethatriskwithanotherinsurancecompany.

6.DesignatedAgentrepresentativesuponrequestfromMICOAwill

beexpectedtoparticipateinMICOA'sNevadaMarketManagers

Groupactivitiesandtoattendallscheduledmeetings.

7.MICOAwillshareonaprojectbasisdevelopmentcostsofall

promotionalmaterialsandsomeadvertisingcostsrelatedto

Nevadasales,providedthatallsuchexpendituresorbudgets

forthemareapprovedbyMICOAinwritinginadvance.

8.Agencymaysolicitsubagenciesforappointment,subjectto

MICOA'spriorwrittenapprovalofeachsubagencyfollowing

disclosuretoandreviewbyMICOAofinformationrequestedby

MICOAforeachproposedsubagency.Allsuchappointmentsby

AgentshallstipulatethatMICOAmayterminatethesubagency

atanytimewithoutcauseuponatleast90daysnoticeand

thatthesubagencyshallcomplywithallMICOArequirements

anddutiesowedMICOAbyAgencyconcerningsolicitation,

communications,andservicetoinsureds.Subagenciesshall

alsoberequiredtosubmitallproposalsimmediatelyand

directlytoMICOA.

B.MICOABILLEDPOLICIES

ForbusinesssubjecttoExhibitA,placedwithandbilledbyMICOA

directlytothepolicyholder,thefollowingshallapplyinadditionto

alltheotherprovisionsofthisagreement:

1.Theprocessingandsubmittalofallsuchbusinessshallbe

subjecttoprovisionsoutlinedinMICOA'swrittenrequirements

andformsastheymaybeimplementedbyMICOAfromtimeto