Interests And Liabilities Agreement Sample Contracts

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HCI Group – ENDORSEMENT NO. 1 to the INTERESTS AND LIABILITIES AGREEMENT Attaching To, and Forming Part Of, the MULTI-YEAR CATASTROPHE EXCESS OF LOSS REINSURANCE CONTRACT (Hereinafter Called the Contract) EFFECTIVE: JUNE 1, 2014 Issued to HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC. TAMPA, FLORIDA (Hereinafter Called the Reinsured) by ENDURANCE SPECIALTY INSURANCE LTD. (Hereinafter Called, With Other Participants, the Reinsurer) (July 30th, 2015)

Under the terms of this Contract the above Reinsurer agrees to assume severally and not jointly with other participants

HCI Group – ENDORSEMENT NO. 1 to the INTERESTS AND LIABILITIES AGREEMENT Attaching To, and Forming Part Of, the REINSTATEMENT PREMIUM PROTECTION REINSURANCE CONTRACT (Hereinafter Called the Contract) EFFECTIVE: JUNE 1, 2015 Issued to HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC. TAMPA, FLORIDA (Hereinafter Called the Reinsured) by AEOLUS RE LTD. In Respect of Its KEYSTONE SEGREGATED ACCOUNT (Hereinafter Called, With Other Participants, the Reinsurer) (July 30th, 2015)

Under the terms of this Contract the above Reinsurer agrees to assume severally and not jointly with other participants

HCI Group – ENDORSEMENT NO. 1 to the INTERESTS AND LIABILITIES AGREEMENT Attaching To, and Forming Part Of, the MULTI-YEAR REINSTATEMENT PREMIUM PROTECTION REINSURANCE CONTRACT (Hereinafter Called the Contract) EFFECTIVE: JUNE 1, 2014 Issued to HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC. TAMPA, FLORIDA (Hereinafter Called the Reinsured) by CERTAIN UNDERWRITERS AT LLOYDS (Hereinafter Called, With Other Participants, the Reinsurer) Who Are Signatories Hereto, Each for the Proportion Underwritten and Not One for Another (July 30th, 2015)

Under the terms of this Contract the above Reinsurer agrees to assume severally and not jointly with other participants

HCI Group – ENDORSEMENT NO. 1 to the INTERESTS AND LIABILITIES AGREEMENT Attaching To, and Forming Part Of, the MULTI-YEAR CATASTROPHE EXCESS OF LOSS REINSURANCE CONTRACT (Hereinafter Called the Contract) EFFECTIVE: JUNE 1, 2014 Issued to HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC. TAMPA, FLORIDA (Hereinafter Called the Reinsured) by CERTAIN UNDERWRITERS AT LLOYDS (Hereinafter Called, With Other Participants, the Reinsurer) Who Are Signatories Hereto, Each for the Proportion Underwritten and Not One for Another (July 30th, 2015)

Under the terms of this Contract the above Reinsurer agrees to assume severally and not jointly with other participants

HCI Group – ENDORSEMENT NO. 1 to the INTERESTS AND LIABILITIES AGREEMENT Attaching To, and Forming Part Of, the MULTI-YEAR REINSTATEMENT PREMIUM PROTECTION REINSURANCE CONTRACT (Hereinafter Called the Contract) EFFECTIVE: JUNE 1, 2014 Issued to HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC. TAMPA, FLORIDA (Hereinafter Called the Reinsured) by BLUE WATER REINSURANCE LTD. (Hereinafter Called, With Other Participants, the Reinsurer) (July 30th, 2015)

Under the terms of this Contract the above Reinsurer agrees to assume severally and not jointly with other participants

Affirmative Insurance Holdings, Inc. – Interests and Liabilities Agreement (May 15th, 2015)

IT IS HEREBY AGREED, effective March 31, 2015, that this Endorsement deletes and replaces in its entirety the Commutation and Release Agreement previously signed by the Company and the Subscribing Reinsurer on March 6, 2015.

Affirmative Insurance Holdings, Inc. – Interests and Liabilities Agreement (May 15th, 2015)

IT IS HEREBY AGREED, effective March 31, 2015, that this Endorsement deletes and replaces in its entirety the Commutation and Release Agreement previously signed by the Company and the Subscribing Reinsurer on March 6, 2015.

Affirmative Insurance Holdings, Inc. – TERMINATION ADDENDUM to the AUTOMOBILE QUOTA SHARE REINSURANCE CONTRACT Effective: December 31, 2013 (The Contract) Issued to AFFIRMATIVE INSURANCE COMPANY Burr Ridge, Illinois (The Company) by THE SUBSCRIBING REINSURER(S) IDENTIFIED IN THE INTERESTS AND LIABILITIES AGREEMENT(S) ATTACHED TO AND FORMING PART OF THE CONTRACT (August 14th, 2014)

Effective June 30, 2014, paragraph A of Article 2Term (as previously amended by Addendum No. 1 and Addendum No. 2 to the Contract)is amended to read:

Affirmative Insurance Holdings, Inc. – ADDENDUM NO. 2 to the AUTOMOBILE QUOTA SHARE REINSURANCE CONTRACT Effective: December 31, 2013 (The Contract) Issued to AFFIRMATIVE INSURANCE COMPANY Burr Ridge, Illinois (The Company) by THE SUBSCRIBING REINSURER(S) IDENTIFIED IN THE INTERESTS AND LIABILITIES AGREEMENT(S) ATTACHED TO AND FORMING PART OF THE CONTRACT (The Reinsurer) (August 14th, 2014)
Affirmative Insurance Holdings, Inc. – ADDENDUM NO. 1 to the AUTOMOBILE QUOTA SHARE REINSURANCE CONTRACT Effective: December 31, 2013 (The Contract) Issued to AFFIRMATIVE INSURANCE COMPANY Burr Ridge, Illinois (The Company) by THE SUBSCRIBING REINSURER(S) IDENTIFIED IN THE INTERESTS AND LIABILITIES AGREEMENT(S) ATTACHED TO AND FORMING PART OF THE CONTRACT (The Reinsurer) (March 31st, 2014)
Affirmative Insurance Holdings, Inc. – ADDENDUM NO. 3 to the AUTOMOBILE QUOTA SHARE REINSURANCE CONTRACT Effective: March 31, 2013 (The Contract) Issued to AFFIRMATIVE INSURANCE COMPANY Burr Ridge, Illinois (The Company) by THE SUBSCRIBING REINSURER(S) IDENTIFIED IN THE INTERESTS AND LIABILITIES AGREEMENT(S) ATTACHED TO AND FORMING PART OF THE CONTRACT (The Reinsurer) (March 31st, 2014)

IN WITNESS WHEREOF, the Company has caused this Addendum to be executed by its duly authorized representatives as follows:

Affirmative Insurance Holdings, Inc. – ADDENDUM NO. 4 to the AUTOMOBILE QUOTA SHARE REINSURANCE CONTRACT Effective: March 31, 2013 (The Contract) Issued to AFFIRMATIVE INSURANCE COMPANY Burr Ridge, Illinois (The Company) by THE SUBSCRIBING REINSURER(S) IDENTIFIED IN THE INTERESTS AND LIABILITIES AGREEMENT(S) ATTACHED TO AND FORMING PART OF THE CONTRACT (The Reinsurer) (March 31st, 2014)

Effective on June 30, 2013, applying to losses occurring on or after that date, the following shall be added as paragraph E to Article 3 Retention and Limit (as previously amended by Addendum No. 1), of the Contract

Affirmative Insurance Holdings, Inc. – AUTOMOBILE QUOTA SHARE REINSURANCE CONTRACT (The Contract) Issued to AFFIRMATIVE INSURANCE COMPANY Burr Ridge, Illinois (The Company) by THE SUBSCRIBING REINSURER(S) IDENTIFIED IN THE INTERESTS AND LIABILITIES AGREEMENT(S) ATTACHED TO AND FORMING PART OF THIS CONTRACT (The Reinsurer) ARTICLE 1 (March 31st, 2014)
Homeowners of America Holding Corp – Residential Quota Share Reinsurance Contract Effective: April 1, 2013 Homeowners of America Insurance Company Irving, Texas Including Any And/Or All Companies That Are or May Hereafter Become Affiliated Therewith Residential Quota Share Reinsurance Contract Effective: April 1, 2013 Homeowners of America Insurance Company Irving, Texas Including Any And/Or All Companies That Are or May Hereafter Become Affiliated Therewith (June 28th, 2013)
Homeowners of America Holding Corp – Residential Property Quota Share Reinsurance Contract Effective: April 1, 2013 Homeowners of America Insurance Company Irving, Texas Including Any And/Or All Companies That Are or May Hereafter Become Affiliated Therewith Residential Property Quota Share Reinsurance Contract Effective: April 1, 2013 Homeowners of America Insurance Company Irving, Texas Including Any And/Or All Companies That Are or May Hereafter Become Affiliated Therewith (June 28th, 2013)

Page Article 1 - Classes of Business Reinsured 1 Article 2 - Commencement and Termination 1 Article 3 - Territory (BRMA 51A) 3 Article 4 - Exclusions 3 Article 5 - Special Acceptances 5 Article 6 - Retention and Limit 6 Article 7 - Loss in Excess of Policy Limits/Extra Contractual Obligations 8 Article 8 - Other Reinsurance 9 Article 9 - Claims and Loss Adjustment Expense 9 Article 10 - Special Commutation 11 Article 11 - Assessments 12 Article 12 - Salvage and Subrogation 13 Article 13 - Original Conditions 13 Article 14 - Sliding Scale Commission 13 Article 15 - Reports and Remittances 15 Article 16 - Late Payments 16 Article 17 - Access to Records 17 Article 18 - Errors, Omissions and Inadvertent Binding 17 Article 19 - Currency (BRMA 12A) 18 Article 20 - Taxes (BRMA 50B) 18 Article 21 -

Homeowners of America Holding Corp – Underlying Property Catastrophe Excess of Loss Reinsurance Contract Effective: April 1, 2012 Homeowners of America Insurance Company Irving, Texas (June 28th, 2013)

Whenever the word "Company" is used in this Contract, such term shall be held to include any or all of the affiliated insurance companies of Homeowners of America Insurance Company, which are or may hereafter be under common control, provided that notice be given to the Reinsurer of any such newly affiliated insurance companies which may hereafter come under common control as soon as practicable with full particulars as to how such affiliation is likely to affect this Contract. In the event of either party maintaining that such affiliation calls for alteration in existing terms, and an agreement for alteration not being arrived at, then the business of such newly affiliated insurance company is covered at existing terms only for a period of 45 days after notice by either party that it does not wish to cover such business.

Homeowners of America Holding Corp – ADDENDUM NO. 1 to the PRIVATE PASSENGER AUTOMOBILE EXCESS OF LOSS REINSURANCE CONTRACT Effective: June 1, 2011 (The "Contract") Issued to HOMEOWNERS OF AMERICA INSURANCE COMPANY Irving, Texas Including Any And/Or All Companies That Are or May Hereafter Become Affiliated Therewith (Collectively, the "Company") by THE SUBSCRIBING REINSURER(S) IDENTIFIED IN THE INTERESTS AND LIABILITIES AGREEMENT(S) ATTACHED TO AND FORMING PART OF THE CONTRACT (The "Reinsurer") (June 28th, 2013)
Homeowners of America Holding Corp – Residential Quota Share Reinsurance Contract Effective: April 1, 2012 (June 28th, 2013)

Page Article Article 1 - Classes of Business Reinsured 1 Article 2 - Commencement and Termination 1 Article 3 - Territory (BRMA 51A) 3 Article 4 - Exclusions 4 Article 5 - Special Acceptances 5 Article 6 - Retention and Limit 6 Article 7 - Loss in Excess of Policy Limits/Extra Contractual Obligations 8 Article 8 - Other Reinsurance 9 Article 9 - Claims and Loss Adjustment Expense 9 Article 10 - Special Commutation 11 Article 11 - Assessments 13 Article 12 - Salvage and Subrogation 13 Article 13 - Original Conditions 13 Article 14 - Sliding Scale Commission 14 Article 15 - Reports and Remittances 15 Article 16 - Late Paym

Homeowners of America Holding Corp – Residential Property Quota Share Reinsurance Contract Effective: April 1, 2012 Homeowners of America Insurance Company Irving, Texas Including Any And/Or All Companies That Are or May Hereafter Become Affiliated Therewith (June 28th, 2013)

Article Page Article 1 - Classes of Business Reinsured 3 Article 2 - Commencement and Termination 3 Article 3 - Territory (BRMA 51A) 6 Article 4 - Exclusions 6 Article 5 - Special Acceptances 8 Article 6 - Retention and Limit 8 Article 7 - Loss in Excess of Policy Limits/Extra Contractual Obligations 11 Article 8 - Other Reinsurance 11 Article 9 - Claims and Loss Adjustment Expense 12 Article 10 - Special Commutation 13 Article 11 - Assessments 15 Article 12 - Salvage and Subrogation 16 Article 13 - Original Conditions 16 Article 14 - Sliding Scale Commission 16 Article 15 - Reports and Remittances 18 Article 16 - Late Payments 19

Affirmative Insurance Holdings, Inc. – AUTOMOBILE QUOTA SHARE REINSURANCE CONTRACT Issued to AFFIRMATIVE INSURANCE COMPANY Burr Ridge, Illinois AUTOMOBILE QUOTA SHARE REINSURANCE CONTRACT (The Contract) Issued to AFFIRMATIVE INSURANCE COMPANY Burr Ridge, Illinois (The Company) by THE SUBSCRIBING REINSURER(S) IDENTIFIED IN THE INTERESTS AND LIABILITIES AGREEMENT(S) ATTACHED TO AND FORMING PART OF THIS CONTRACT (The Reinsurer) ARTICLE 1 (April 3rd, 2013)
Affirmative Insurance Holdings, Inc. – ADDENDUM NO. 1 to the AUTOMOBILE QUOTA SHARE REINSURANCE CONTRACT Effective: March 31, 2013 (The Contract) Issued to AFFIRMATIVE INSURANCE COMPANY Burr Ridge, Illinois (The Company) by THE SUBSCRIBING REINSURER(S) IDENTIFIED IN THE INTERESTS AND LIABILITIES AGREEMENT(S) ATTACHED TO AND FORMING PART OF THE CONTRACT (The Reinsurer) (April 3rd, 2013)
Affirmative Insurance Holdings, Inc. – ADDENDUM NO. 2 to the AUTOMOBILE QUOTA SHARE REINSURANCE CONTRACT Effective: September 1, 2011 (The Contract) Issued to AFFIRMATIVE INSURANCE COMPANY Burr Ridge, Illinois (The Company) by THE SUBSCRIBING REINSURER(S) IDENTIFIED IN THE INTERESTS AND LIABILITIES AGREEMENT(S) ATTACHED TO AND FORMING PART OF THE CONTRACT (The Reinsurer) (April 1st, 2013)
Affirmative Insurance Holdings, Inc. – ADDENDUM NO. 4 to the AUTOMOBILE QUOTA SHARE REINSURANCE CONTRACT Effective: September 1, 2011 (The Contract) Issued to AFFIRMATIVE INSURANCE COMPANY Burr Ridge, Illinois (The Company) by THE SUBSCRIBING REINSURER(S) IDENTIFIED IN THE INTERESTS AND LIABILITIES AGREEMENT(S) ATTACHED TO AND FORMING PART OF THE CONTRACT (The Reinsurer) (January 4th, 2013)
Homeowners of America Holding Corp – ADDENDUM NO. 1 to the PRIVATE PASSENGER AUTOMOBILE EXCESS OF LOSS REINSURANCE CONTRACT Effective: June 1, 2011 (The "Contract") Issued to HOMEOWNERS OF AMERICA INSURANCE COMPANY Irving, Texas Including Any And/Or All Companies That Are or May Hereafter Become Affiliated Therewith (Collectively, the "Company") by THE SUBSCRIBING REINSURER(S) IDENTIFIED IN THE INTERESTS AND LIABILITIES AGREEMENT(S) ATTACHED TO AND FORMING PART OF THE CONTRACT (The "Reinsurer") (November 9th, 2012)
Affirmative Insurance Holdings, Inc. – INTERESTS AND LIABILITIES AGREEMENT (The Agreement) of GREENLIGHT REINSURANCE, LTD. (The Subscribing Reinsurer) as Respects the AUTOMOBILE QUOTA SHARE REINSURANCE CONTRACT Effective: September 1, 2011 (The Contract) Issued to and Executed by AFFIRMATIVE INSURANCE COMPANY Burr Ridge, Illinois (The Company) (November 15th, 2011)

The Subscribing Reinsurers share in the interests and liabilities of the Reinsurer as set forth in the Contract shall be 100.0%.

INTERESTS AND LIABILITIES AGREEMENT (The Agreement) of ARCH REINSURANCE COMPANY (The Subscribing Reinsurer) With Respect to the CASUALTY CATASTROPHE EXCESS OF LOSS REINSURANCE CONTRACT (The Contract) Issued to AMERICAN INTERSTATE INSURANCE COMPANY DeRidder, Louisiana and AMERICAN INTERSTATE INSURANCE COMPANY OF TEXAS Austin, Texas and SILVER OAK CASUALTY, INC. DeRidder, Louisiana and Any Other Insurance Companies Which Are Now or Hereafter Come Under the Ownership, Control or Management of Amerisafe, Inc. (The Company) (March 7th, 2011)

The Subscribing Reinsurer shall have a 5.00% share in the interests and liabilities of the Reinsurer as set forth in the Contract attached hereto and executed by the Company.

INTERESTS AND LIABILITIES AGREEMENT (The Agreement) of ALTERRA BERMUDA LIMITED (The Subscribing Reinsurer) With Respect to the CASUALTY CATASTROPHE EXCESS OF LOSS REINSURANCE CONTRACT (The Contract) Issued to AMERICAN INTERSTATE INSURANCE COMPANY DeRidder, Louisiana and AMERICAN INTERSTATE INSURANCE COMPANY OF TEXAS Austin, Texas and SILVER OAK CASUALTY, INC. DeRidder, Louisiana and Any Other Insurance Companies Which Are Now or Hereafter Come Under the Ownership, Control or Management of Amerisafe, Inc. (Collectively the Company) (March 7th, 2011)

The Subscribing Reinsurer shall have a 5.00% share in the interests and liabilities of the Reinsurer as set forth in the Contract attached hereto and executed by the Company.

Affirmative Insurance Holdings, Inc. – INTERESTS AND LIABILITIES AGREEMENT (The Agreement) of SWISS REINSURANCE AMERICA CORPORATION (The Subscribing Reinsurer) as Respects the AUTOMOBILE QUOTA SHARE REINSURANCE CONTRACT Effective: October 1, 2010 (The Contract) Issued to and Executed by AFFIRMATIVE INSURANCE COMPANY Burr Ridge, Illinois (The Company) (January 10th, 2011)

The Subscribing Reinsurers share in the interests and liabilities of the Reinsurer as set forth in the Contract shall be 100.00%.

Affirmative Insurance Holdings, Inc. – INTERESTS AND LIABILITIES AGREEMENT (The Agreement) of SWISS REINSURANCE AMERICA CORPORATION (The Subscribing Reinsurer) as Respects the AUTOMOBILE QUOTA SHARE REINSURANCE CONTRACT Effective: January 1, 2011 (The Contract) Issued to and Executed by AFFIRMATIVE INSURANCE COMPANY Burr Ridge, Illinois (The Company) (January 10th, 2011)

The Subscribing Reinsurers share in the interests and liabilities of the Reinsurer as set forth in the Contract shall be 100.00%.

Affirmative Insurance Holdings, Inc. – INTERESTS AND LIABILITIES AGREEMENT (The Agreement) of SWISS REINSURANCE AMERICA CORPORATION (The Subscribing Reinsurer) as Respects the AUTOMOBILE QUOTA SHARE REINSURANCE CONTRACT Effective: October 1, 2010 (The Contract) Issued to and Executed by AFFIRMATIVE INSURANCE COMPANY Burr Ridge, Illinois (The Company) (January 4th, 2011)

The Subscribing Reinsurers share in the interests and liabilities of the Reinsurer as set forth in the Contract shall be 100.00%.

Affirmative Insurance Holdings, Inc. – INTERESTS AND LIABILITIES AGREEMENT (The Agreement) of SWISS REINSURANCE AMERICA CORPORATION (The Subscribing Reinsurer) as Respects the AUTOMOBILE QUOTA SHARE REINSURANCE CONTRACT Effective: January 1, 2011 (The Contract) Issued to and Executed by AFFIRMATIVE INSURANCE COMPANY Burr Ridge, Illinois (The Company) (January 4th, 2011)

The Subscribing Reinsurers share in the interests and liabilities of the Reinsurer as set forth in the Contract shall be 100.00%.

Liberty Mutual Agency Corp – Property Catastrohe Excess of Loss Reinsurance Contract (September 2nd, 2010)

Exhibit A Limit & Retention, Rate & Premium, Reports & Remittances, Reinstatement Exhibit B Limit & Retention, Rate & Premium, Reports & Remittances, Reinstatement Exhibit C Limit & Retention, Rate & Premium, Reports & Remittances, Reinstatement Exhibit D Limit & Retention, Rate & Premium, Reports & Remittances, Reinstatement

Liberty Mutual Agency Corp – Workers Compensation Catastrohe Excess of Loss Reinsurance Contract (September 2nd, 2010)

This Contract shall be binding upon and inure to the benefit of the Company and the Subscribing Reinsurer and their respective successors and assigns provided, however, that this Contract may not be assigned, novated or transferred, including any attempted transfer of rights and/or obligations under any U.S. or foreign statute, legislation or jurisprudence, by either the Company or the Subscribing Reinsurer , or as the result of the action(s) of a parent company or an affiliated entity of either, without the prior written consent of the other. In the event of any assignment, novation or transfer, the assignor, novator or transferor shall remain liable under this Contract, and further guarantees the performance of all obligations of any assignee, novatee or transferee under this Contract. Notwithstanding the foregoing, the Company may assign this Contract to an insurance entity controlling, controlled by or under common control with the Company, without the Subscribing Reinsurers writte

Liberty Mutual Agency Corp – Property Catastrohe Excess of Loss Reinsurance Contract (September 2nd, 2010)

Exhibit A Limit & Retention, Rate & Premium, Reports & Remittances, Reinstatement Exhibit B Limit & Retention, Rate & Premium, Reports & Remittances, Reinstatement Exhibit C Limit & Retention, Rate & Premium, Reports & Remittances, Reinstatement Exhibit D Limit & Retention, Rate & Premium, Reports & Remittances, Reinstatement

Liberty Mutual Agency Corp – EXECUTION COPY WORKERS COMPENSATION CATASTROPHE EXCESS OF LOSS REINSURANCE CONTRACT No. 2010300 EFFECTIVE JANUARY 1, 2010 Between PEERLESS INSURANCE COMPANY Keene, New Hampshire and the Reinsurers Subscribing to the Respective Interests and Liabilities Agreements Attached to and Forming Part of This Contract (September 2nd, 2010)

The Subscribing Reinsurer hereby agrees to indemnify the Company for all sums paid or payable for losses occurring during the term of this Contract under in force, new and renewed Workers Compensation Policies, as defined herein, to the extent and on the terms and conditions and subject to the exceptions, exclusions and limitations hereinafter set forth and as provided in Exhibits A and B which are attached hereto and made part of this Contract. For purposes of identification, Exhibits A and B are entitled as follows: