EXHIBIT 10.10

                               DELTA MUTUAL, INC.
                             111 North Branch Street
                             Sellersville, PA 18960

July 1, 2003

Gary T. Robinson
162 West 54th Street, Suite 12-E
New York, New York 10019

Dear Mr. Robinson:

This shall serve as the agreement by and between Delta Mutual, Inc., a Delaware
Corporation (the "Company") and Gary T. Robinson of New York, (the "Employee")
to provide Employee with full compensation for his past services rendered to the
Company.

The Company acknowledges that the Employee has performed administrative and
corporate services, for and on behalf of the Company, in his role as chief
executive officer of the Company from November 2002 to June 13, 2003. These
services have included, corporate administration, securities filings and
communications for and on behalf of the Company. All of these past services have
resulted in an outstanding Company debt due Employee in the amount of
$93,625.00. Pursuant to our discussions, Employee has agreed to accept 280,000
restricted shares of the Company's common shares (the "Shares") 1n full payment
of the Company's debt. In addition and as further consideration for Employee's
agreement to accept the Shares as payment, the Company shall utilize its best
efforts to register the Shares for sale to the public by including them in a
Form S-8 registration statement that the Company shall file with the Securities
and Exchange Commission under the Securities Act of 1933, as amended (the "1933
Act"). The Company shall issue the Shares in your individual name and identity
you as the selling shareholder in the registration statement. Upon the filing of
this Form S-8, we shall notify you of the date of its effectiveness and provide
you with the necessary copies of the prospectus to be used in any proposed sale
of the Shares.

Please indicate your agreement to the terms set forth in this correspondence by
signing your name where indicated below, returning a signed copy to me at your
convenience.

Very truly yours,

/s/ Peter F. Russo
-------------------------------
DELTA MUTUAL, INC.
Peter F. Russo, President


AGREED TO AND ACCEPTED BY:
Gary T. Robinson
By: /s/ Gary T. Robinson
    ---------------------------
        Gary T. Robinson

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