Welcome to the NORCAL Mutual Insurance Company 2014 Online Proxy Ballot.

We thank you for helping us go paperless. Your online ballot is below. Please take a moment to read the following Candidates’ Statements before voting.


Sandra L. Beretta, MD

Sandra L. Beretta, MD

As a physician who has been practicing medicine for 23 years, I am still in the front lines of medicine. I am honored to represent NORCAL and to continue to be an advocate for our physicians in light of the challenges they face on a daily basis in those same front lines. I also believe that my extensive and varied background in finance, mergers, acquisitions and investments will be a great asset in the coming year as NORCAL continues to grow towards a national platform.

Steven J. Packer, MD

Steven J. Packer, MD

With my extensive background in healthcare leadership, I look forward to expanding the geographic reach of NORCAL's excellent reputation as it establishes its national footprint. In the coming year, my focus will be on the impact of the national rollout, ensuring that our many best practices remain solidly instilled across the organization.

Rebecca J. Patchin, MD

Rebecca J. Patchin, MD

As NORCAL becomes a national carrier, I want to ensure that we remain a physician-led insurance company focused on meeting the needs of all our physicians, from the solo physician to the physician group. I have served on NORCAL's board of directors for three years as well as on other national boards. I believe that my experience in various practice settings - from solo to group to academic practice - prepares me to ensure that our physicians' needs are met in their practice settings.

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Jaan E. Sidorov, MD, and Patricia A. Dailey, MD, or either of them, are hereby authorized to represent the undersigned and to vote as directed below at the Annual Meeting of Members of NORCAL Mutual Insurance Company to be held on May 31, 2014, or at any adjournment of the meeting:

1

The Governance Committee of the Board of Directors nominated the following for election as Directors for the terms described in the Proxy Statement;

Sandra L. Beretta, MD


Steven J. Packer, MD


Rebecca J. Patchin, MD


3

Upon any other matters that might properly come before the meeting or any adjournment of the meeting. The Board of Directors is not aware of any such matters at the time of this proxy solicitation.

The policies represented by this proxy will be voted by the specified proxyholders as directed or if directions are not indicated, will be voted "FOR" the election of those individuals nominated by the Governance Committee of the Board of Directors as specified in the Proxy Statement and "FOR" proposal 2 in accordance with their best judgment on any matters that might properly come before the meeting or any adjournment of the meeting.