1. 2011 Medical Professional Liability Symposium Chicago, IL ~ March 24 & 25, 2011 IS HINDSIGHT IN HEALTHCARE REALLY 20/20?

2. Moderator: James A. McGuire, Esq., Equity Partner, Mendes and Mount Panelists: Victor T. Adamo, Esq., CPCU, President, Proassurance Richard E. Anderson, MD, FACP, Chairman, The Doctors Company Bradley D. Cox, Senior Vice President, Division Executive Healthcare, Lexington Insurance Company Nicholas Gralton, Managing Director, North American Casualty, Guy Carpenter & Co. Ltd. James D. Hurley, ACAS, MAAA, Consulting Actuary, Towers Watson

3. MPL Combined Ratio Source: Best’s Aggregates & Averages

4. MPL Combined and Operating Ratio Source: Best’s Aggregates & Averages

5. MPL Combined Ratio Source: Best’s Aggregates & Averages

6. MPL Combined Ratio Source: Best’s Aggregates & Averages

7. MPL Combined and Operating Ratio Source: Best’s Aggregates & Averages

8. MPL Loss Reserve Development to Premium Source: Best’s Aggregates & Averages

9. The Medical Liability Industry Cycle 9 Source: A. M. Best Aggregates and Averages 1976 – 2009 Medical Malpractice Industry, Net Basis Occurrence and Claims-Made Combined (Estimated)(Actual) millions Industry Data 1976 Through 2009

10. U.S. MPL Market Share Direct Premium Written 20002009 Company/Group% % 1. St. Paul Cos9.0%1. MLMIC Group8.0% 2. Medical Liability Mutual Ins Co5.7%2. Berkshire Hathaway (MedPro)7.7% 3. Employers Reinsurance Corp (MedPro)5.0%3. The Doctors Company Group6.4% 4. Health Care Indemnity3.8%4. ProAssurance Group5.7% 5. Continental Casualty Group3.3%5. American International Group5.6% 6. Medical Group Holdings3.3%6. CNA Insurance Cos5.3% 7. MIIX Group3.3%7. ProMutual Group4.0% 8. The Doctors Company Group3.2%8. ISMIE Mutual Group3.4% 9. Pennsylvania Hospital Ins Group3.0%9. MAG Mutual Group2.8% 10. Mutual Assurance Companies2.6%10. NORCAL Group2.7% 11. American International Group2.6%11. State Volunteer Mutual Ins Co2.5% 12. Illinois Medical Ins Exchange2.6%12. FPIC Ins Group2.1% 13. SCPIE Indemnity Company2.4%13. Zurich Financial Services NA Group1.7% 14. PICOM Group2.1%14. Medical Mutual Group (MD)1.6% 15. Physicians Reciprocal Insurers2.1%15. Allied World Assurance Group1.6%

11. QUESTIONS?

12. IS HINDSIGHT IN HEALTHCARE REALLY 20/20? Moderator: James A. McGuire, Esq., Equity Partner, Mendes and Mount Panelists: Victor T. Adamo, Esq., CPCU, President, Proassurance Richard E. Anderson, MD, FACP, Chairman, The Doctors Company Bradley D. Cox, Senior Vice President, Division Executive Healthcare, Lexington Insurance Company Nicholas Gralton, Managing Director, North American Casualty, Guy Carpenter & Co. Ltd. James D. Hurley, ACAS, MAAA, Consulting Actuary, Towers Watson