AMENDMENT TO EMPLOYMENT AGREEMENT

     This Amendment dated as of March 1, 2000 amends the Employment Agreement
(the "Agreement") dated and effective as of October 20, 1997 between Zenith
Insurance Company (the "Company") and Jack D. Miller (the "Employee").

     Whereas, the parties desire to amend the Agreement, it is therefore
agreed as follows:

     1.  Section 2 - TERM - is deleted and the following substituted
         therefore:

         "2. TERM. This Agreement shall be in effect for a term commencing on
         the Effective Date and expiring on October 31, 2004, and such period
         shall be referred to herein as the "Term" of this Agreement, and such
         Term shall not be affected by the termination of the Employee's
         employment hereunder."

     2.  Section 3 - SALARY - is deleted and the following substituted
         therefore:

         "3. SALARY. Employees minimum annual base salary ("Base Salary")
         shall be as follows: $453,200, effective March 1, 2000; $494,400,
         effective March 1, 2001; $535,600 effective March 1, 2002; $618,000
         effective March 1, 2003; and $700,400 effective March 1, 2004.
         Employee's Base Salary shall be payable in installments in
         conformity with the Company's policy relating to salaried employees.
         The Employee's Base Salary may be subject to annual adjustment (but
         not below the then current amount) in the sole discretion of the
         Board.

     3.  In all other respects, the Agreement remains unchanged.

     In Witness Whereof, the parties have executed this Amendment as of the
date first written above.

Zenith Insurance Company                     Employee



By: /s/ Stanley R. Zax                       By: /s/ Jack D. Miller
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  Stanley R. Zax                                    Jack D. Miller