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NORCAL Group 2014 Annual Report

2014

2014 — The Year of You A COMPAny as Diverse as You Diversity remains a strategic advantage for us. Our physician-led board of directors is one of the most diverse in the industry, ensuring a wider perspective on matters that are important to you. Across our company, we cultivate an environment that embraces diversity of thought, cultural experiences and individual differences. This is essential to better understand the wide-ranging perspectives of a growing policyholder base that may differ in geography, size, specialty or needs. Through our Supplier Diversity program we are committed to pursuing business relationships with enterprises owned by individuals of diverse backgrounds. Those enterprises include women-, LGBT-, veteran-, disabled veteran- and minority-owned businesses that share our commitment to delivering outstanding value to our customers. Our physician-led board of directors is one of the most diverse in the industry, ensuring a wider perspective on matters that are important to you. National Experience with Local Attention Even as we broaden our reach as a national organization, we are committed to honoring our roots of localized attention and service. NORCAL Group now includes multiple offices in every major U.S. time zone to best serve your needs. Our local expertise also extends to the strong partnerships with our national network of local agent/brokers. Our partners continue to be a trusted source of information and support for our policyholders and for NORCAL. 8 2014 NORCAL Group Annual Report

Carol Davis The year of ___________________________ Carol Davis | Practice Administrator, Creekside Medical | Vancouver, WA “Clarity and openness were big selling points for moving to Medicus. Everyone has been readily available and responsive. We get prompt, thorough service from any department, and that is so important. The risk management service in particular is excellent. This is exactly what we needed from our provider.” 2014 NORCAL Group Annual Report 9