EXHIBIT 10.16 EMPLOYMENT AGREEMENT -------------------- THIS AGREEMENT between TERRA NOVA (BERMUDA) HOLDINGS LTD., a Bermuda corporation (the "Company"), and JOHN J. DWYER ("Executive"), dated as of July 31, 1998. W I T N E S S E T H:...Employment Agreement • March 15th, 1999 • Terra Nova Bermuda Holding LTD • Fire, marine & casualty insurance
