exhibit 10. 20 reinstatement premium protection reinsurance contract ( for working layer cat ) ( hiscox ) issued to homeowners choice property & casualty insurance company, inc. tampa, florida and typtap insurance companyocala, florida 1 of 22 reinstatement premium protection reinsurance contract ( for working layer cat ) ( hiscox ) table of contents article page preamble 3 1 business covered 3 2 coverage 3 3 term 4 4 special termination 4 5 territory 5 6 exclusions 5 7 premium 5 8 definitions 6 9 original conditions 6 10 no third party rights 6 11 notice of loss and loss settlements 6 12 late payments 7 13 offset 8 14 currency 8 15 unauthorized reinsurance 8 16 taxes 10 17 access to records 10 18 confidentiality 11 19 errors and omissions 12 20 insolvency 12 21 run - off reinsurer 13 22 arbitration 14 23 expedited arbitration 15 24 service of suit 16 25 governing law 17 26 entire agreement 17 27 non - waiver 17 28 agency 17 29 intermediary 18 30 mode of execution 18 company signing block 20 reinstatement premium protection reinsurance contract reinstatement premium protection reinsurance contract ( for working layer cat ) ( hiscox ) ( for working layer cat ) ( hiscox ) table of contents table of contents article article page page preamble preamble 3 3 1 1 business covered business covered 3 3 2 2 coverage coverage 3 3 3 3 term term 4 4 4 4 special termination special termination 4 4 5 5 territory territory 5 5 6 6 exclusions exclusions 5 5 7 7 premium premium 5 5 8 8 definitions definitions 6 6 9 9 original conditions original conditions 6 6 10 10 no third party rights no third party rights 6 6 11 11 notice of loss and loss settlements notice of loss and loss settlements 6 6 12 12 late payments late payments 7 7 13 13 offset offset 8 8 14 14 currency currency 8 8 15 15 unauthorized reinsurance unauthorized reinsurance 8 8 16 16 taxes taxes 10 10 17 17 access to records access to records 10 10 18 18 confidentiality confidentiality 11 11 19 19 errors and omissions errors and omissions 12 12 20 20 insolvency insolvency 12 12 21 21 run - off reinsurer run - off reinsurer 13 13 22 22 arbitration arbitration 14 14 23 23 expedited arbitration expedited arbitration 15 15 24 24 service of suit service of suit 16 16 25 25 governing law governing law 17 17 26 26 entire agreement