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2016 Summary

NORCAL Mutual, along with its subsidiaries Medicus Insurance Company, FD Insurance Company and NORCAL Specialty Insurance Company, were once again affirmed an A.M. Best “A” (Excellent) rating for the 33rd consecutive year for its stability and financial strength. NORCAL’s diligence in identifying and committing to operational efficiencies and sound underwriting and claims practices resulted in the highest policyholders’ surplus of $705 million in the company’s 41-year history.


A.M. Best Rating

"A" (Excellent)

Total Admitted Assets

$1.57 Billion

Policyholder Surplus

$705 Million

Direct Written Premium

$290.3 Million


2016 Annual 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. For NORCAL Mutual that included unveiling a new logo that will eventually come to represent all NORCAL Group companies. Its design harkens to our separate companies’ distinctive histories and is a vibrant representation of our group’s shared future. View Report...

NORCAL_2012-Annual-Report_thumb2012 Annual Report

Working together in 2012, the NORCAL Group companies began building an energized and integrated national organization by pooling resources and improving operational efficiencies to bring policyholders better products and services. We kept at the forefront our roots as a policyholder-led organization and added to it the elements of a dynamic, problem-solving culture. View Report...