Kristina M. Manoogian, President SCW Agency Group, Inc. 2501 Coolidge Road, Suite 300 East Lansing, MI 48823 RE: SCW/APA Master Agency Agreement Dear Kristina:

Exhibit 10.54

July 16, 2008

Xxxxxxxx X. Xxxxxxxxx, President
SCW Agency Group, Inc.
0000 Xxxxxxxx Xxxx, Xxxxx 000
Xxxx Xxxxxxx, XX 00000

RE:      SCW/APA Master Agency Agreement

Dear Xxxxxxxx:

This is to advise you that American Physicians Assurance Corporation intends to allow the Master Agency Agreement to renew on the same terms that will be in effect immediately prior to renewal, pursuant to Section III,B of that Agreement. In the event that SCW wants to propose changes to the Agreement, please send me a written memo that sets forth the proposed changes so that they can be considered in a timely manner.

SCW is a strategic partner of American Physicians. We value our long-standing relationship with your agency and look forward to continuing our agreement for another term.

Sincerely,

/s/ Xxxxx X. Xxxxx Xxxxx X. Xxxxx, CPCU, CIC

Vice President, Marketing

cc:      X. Xxxxx Xxxxxxx

Exhibit 10.54

August 27, 2008

Xx. Xxxxx Xxxxx
American Physicians Assurance Corporation
0000 X. Xxxxxxxx Xxxx
Xxxx Xxxxxxx, XX 00000

     Re: Renewal of Master Agency Agreement

Dear Xxxxx:

As you know, the Master Agency Agreement (the “Agreement”) between SCW Agency Group, Inc. and American Physicians Assurance Corporation is up for renewal for an additional five-year term on January 1, 2009. We look forward to renewal, and to the continuation of our mutually rewarding and profitable relationship with APA.

The purpose of this letter is to notify APA of our intent in renewing this Agreement with no changes in the terms.

We hope that the renewal term will reflect an attitude and approach that recognizes SCW, as APA’s largest independent agent in Michigan, as a valued strategic partner. In this competitive environment, it is imperative that we remain aligned in aggressively identifying and pursuing new profitable growth opportunities for our mutual benefit.

We are confident that together we can leverage the strengths of SCW and your partnership to create a winning team that will drive our momentum and ensure our mutual success.

Sincerely,
SCW Agency Group, Inc.

/s/ Xxxxxxxx X. Xxxxxxxxx Xxxxxxxx X. Xxxxxxxxx

President