Exhibit 10.9 Jeremy D. Cooke --------------- Bonus Agreement - Effective 01/01/2002

                                                                    Exhibit 10.9
                                 ▇▇▇▇▇▇ ▇. ▇▇▇▇▇
                                 ---------------
                     Bonus Agreement - Effective 01/01/2002

Section I:        Underwriting Profitability - ▇▇▇▇▇▇ International
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                         Combined Operating Ratio*       Percentage of Salary
                         ------------------------        --------------------
                                    99%                           30%
                                    98%                           40%
                                    97%                           50%
         20% ▇▇▇ --------------->   96%                           60%
                                    95%                           70%
                                    94%                           80%
                                    93%                           90%
                                    92%                          100%
                                    91%                          110%

Section II:       ▇▇▇▇▇▇ Corporation/Five Year Increase in Book Value
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                           Increased Book Value         Percentage of Salary
                           --------------------         --------------------
                                    15%                         7.5%
                                    16%                          12%
                                    17%                         16.5%
                                    18%                         21.0%
                                    19%                         25.5%
         20% ▇▇▇ --------------->   20%                          30%
                                    21%                         34.5%
                                    22%                         39.0%

Section III:       Discretionary (at the discretion of President of ▇▇▇▇▇▇
                   Corporation)
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         Up to an additional 10% of salary.

*Combined operating ratio defined as actual expenses plus actuarial "pick" for
losses occurring in the year in question, to be recalculated in subsequent years
(and negatively or positively affecting that subsequent year).