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2019 Summary

Since 1975, NORCAL Group has existed for one reason: to protect and support our policyholders. While the landscape of our healthcare system continues to transform, bringing with it changes and challenges in medical professional liability (MPL) insurance, our core mission remains consistent. Today, we’re proud to serve more than 35,000 physicians and other healthcare professionals in all 50 states, continually evolving to deliver value in a shifting marketplace.


Total Admitted Assets

$1.6 Billion

Policyholder Surplus

$575.7 Million

Direct Written Premium

$370.8 Million


2019 Annual Report

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NORCAL 2019 Annual Report2019 Annual Report

At NORCAL Group, our solid foundation combined with the robust partnerships we’ve built over time, ensure that we’re well-positioned to serve our policyholders in an ever-changing healthcare environment. View Report...

NORCAL 2018 Annual Report2018 Annual Report

Historically, we’ve taken great care to build an organization that our policyholders trust with their practices and their livelihoods. The principles upon which we were founded 43 years ago—a commitment to financial strength, the resolute defense of claims, and unparalleled customer service—remain essential to NORCAL Group today. View 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...