GORAN CAPITAL INC
SC 13D, EX-1, 2000-11-27
FIRE, MARINE & CASUALTY INSURANCE
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                                    EXHIBIT 1

                                    AGREEMENT

Each of the  undersigned  persons  hereby  agrees that any statement on Schedule
13D,  including any  amendments  thereto,  filed by any of such persons with the
Securities  and  Exchange   Commission  pursuant  to  Section  13(d)  under  the
Securities  Exchange  Act of 1934,  as  amended,  in respect  of the  beneficial
ownership of equity  securities of Symons  International  Group,  Inc.  shall be
deemed to be filed on behalf of each of such persons.

IN WITNESS  WHEREOF,  this  Agreement  has been  executed by the parties  hereto
effective on the 27th day of November 2000.

By:

   G. Gordon  Symons


By:

   Alan G. Symons


By:                                                                     :
    Douglas H. Symons





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