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2017 Summary

We began building trust 42 years ago and continue to grow our legacy as we expand across the nation to offer exceptional medical professional liability coverage. After Dr. Sandra Beretta’s election as Chair in June, we undertook a comprehensive review of NORCAL’s mission and strategy focused on the rapidly changing needs of physicians and other health care providers.

The new Mission Statement that emerged reflects our purpose:

“NORCAL safeguards our policyholders from risk, guides them through the unexpected and protects their practice of medicine.”


A.M. Best Rating

"A" (Excellent)

Total Admitted Assets

$1.637 Billion

Policyholder Surplus

$741 Million

Direct Written Premium

$332 Million


2017 Annual Report


NORCAL 2017 Annual Report2017 Annual Report

As a healthcare provider, trust and care are two words that define a shared commitment – a commitment to patients and to the betterment of healthcare. These are also two words that frame NORCAL’s commitment to you, our policyholder-owner. We believe these are the fundamental tenets of a policyholder-owned mutual company and an important differentiator that NORCAL brings to our valued insureds. View Report...

NORCAL_2016-Annual-Report2016 Annual Report

The healthcare industry’s dynamic changes continued to influence our evolution — from market fluctuations and demographic and regional shifts, to tort reform, changes in the healthcare delivery model, and many others. Amid these sweeping changes and uncertainty, NORCAL’s deep experience, prudent decision-making and financial stability have enabled us to continue to navigate a complex environment with a balance of strategic growth and operational improvement. View Report...

NORCAL_2015-Annual-Report2015 Annual Report

Diverse healthcare professionals embrace our commitment to honoring tradition and advancing necessary change, as evidenced by the multiple generations of policyholders who offer their testimonials throughout this report. What would lead policyholders to recommend NORCAL to their children or grandchildren? The confidence that our financial strength means we’ll be there when they need us, now and for years to come, and the belief that our policyholders are the focus of all that we do. View Report...

NORCAL_2014-Annual-Report_thumb2014 Annual Report

In 2014, we introduced a versatile new policy to better protect your practice with enhanced cyber liability and administrative defense coverage. We continued to be a staunch advocate for physicians’ rights and tort reform, serving as the largest contributor to the No On 46 coalition, to help defeat Proposition 46 in California along with our 700-strong coalition partners. View Report...

NORCAL_2013-Annual-Report_thumb2013 Annual Report

2013 was a year of focus and refinement for the NORCAL Group of companies. For NORCAL Mutual that included unveiling a new logo that eventually evolved into what is now the unified NORCAL Group logo. Its design harkens to our affiliate companies’ distinctive histories and is a vibrant representation of our company’s shared future. View Report...