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