Exhibit 10.8 Addendum to Agency Agreement

                                                                    Exhibit 10.8
 
                         Addendum to Agency Agreement

                                                                          4/1/97

The Agency Agreement between Clarendon National Insurance Company and Stirling
Xxxxx Insurance Services Inc. is hereby modified to include the appointment of
its President, Xxxx X. Xxxxxx, as the officer to act on behalf of Stirling Xxxx
Insurance Service Inc.

For the Company:                                 For the Agency:


/s/                                              /s/
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