The Board of Directors
RISCORP, Inc.:

We consent to the inclusion of our report dated March 24, 1998, with respect 
to the consolidated balance sheets of RISCORP, Inc. and subsidiaries as of 
December 31, 1997 and 1996, and the related consolidated statements of 
income, stockholders' equity, and cash flows for each of the years in the 
three-year period ended December 31, 1997, which report appears in the Form 
8-K/A of Zenith National Insurance Corp. dated April 1, 1998.

Our report dated March 24, 1998, contains an explanatory paragraph that 
states that RISCORP, Inc. and subsidiaries undertook a strategic initiative 
to evaluate alternatives to maximize shareholder value. The initiative has 
resulted in the pending sale and transfer of certain assets and 
non-contingent liabilities of RISCORP, Inc. and its subsidiaries. As 
requested by the Florida Department of Insurance, cut-through endorsements 
and an interim reinsurance agreement have been executed in connection with 
the pending sale. The sale is subject to the approval of the shareholders of 
RISCORP, Inc. The Company's ability to operate at its present level of 
activity may be affected if the pending sale transaction is not completed. 
Further, RISCORP, Inc. and its subsidiaries have been named as defendants in 
various lawsuits. The consolidated financial statements do not include any 
adjustments that might result from the outcome of these uncertainties.

/s/ KPMG Peat Marwick LLP
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Fort Lauderdale, Florida
June 12, 1998