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2015 Summary

NORCAL Group has a strong financial profile with a healthy policyholders’ surplus of $670 million. Sound underwriting and claims practices, as well as the development of our Excess & Surplus (E&S) lines, contributed to our success in 2015. We will continue to maintain our focus on operational efficiency to help lower expenses and ensure that NORCAL remains in a strong position to navigate these historically soft market conditions to serve our policyholders for many years to come.


A.M. Best Rating

"A" (Excellent)

Total Admitted Assets

$1.5 Billion

Policyholder Surplus

$670 Million

Direct Written Premium

$290 Million


2015 Annual 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...

NORCAL_2011-Annual-Report_thumb2011 Annual Report

The NORCAL Group is a trio of A-rated medical professional liability insurance companies united to meet the needs of physicians and related healthcare professionals and organizations in more than 30 states. Together we maintain a national presence, yet as separate companies we address the needs of our individual policyholders in a changing healthcare landscape. View Report...