ZENITH NATIONAL INSURANCE CORP. AND SUBSIDIARIES (As of April 30, 1999) Zenith National Insurance Corp. Perma-Bilt, a Nevada Corporation Zenith National Insurance Capital Trust I Zenith Development Corp., a Nevada Corporation Cal-Ag Insurance Service,...

ZENITH NATIONAL INSURANCE CORP. AND SUBSIDIARIES
(As of April 30, 1999)

Zenith National Insurance Corp.
       Perma-Bilt, a Nevada Corporation
       Zenith National Insurance Capital Trust I
       Zenith Development Corp., a Nevada Corporation

       Cal-Ag Insurance Service, Inc.

       Zenith Insurance Company
              CalRehab Services, Inc.
              Zenith Star Insurance Company
              ZNAT Insurance Company
              Zenith Insurance Management Services, Inc.
              0000 Xxxx Xxxxxx XXX, x Xxxxxxxx Corporation

       Each subsidiary shown is wholly-owned by the subsidiary shown in the 
         tier above it.