2015 ANNUAL REPORT
40
N O R C A L M U T U A L
I N S U R A N C E C O M PA N Y
YEARS
S I N C E 1 9 7 5
I N S U R A N C E C O M PA N Y
YEARS
S I N C E 1 9 7 5
N O R C A L M U T U A L
40
OUR MISSION
To provide our policyholders the highest
quality medical professional liability
insurance products and services at the
lowest responsible cost, while maintaining
a financially sound company.
To anticipate and influence changing
industry and policyholder trends and
respond to those trends in a manner
which allows NORCAL Mutual to maintain
its financial stability for the benefit of the
policyholders.
Our Mission................................................................................... 1
A Message from the Chair and the CEO........................ 3
Year in Review............................................................................ 5
A Message from the CFO.....................................................12
NORCAL Group Consolidated Financial Results......14
NORCAL Group Officers.......................................................17
Board of Directors...................................................................18
Our Vision................................................................................. 20
NORCAL GROUP NATIONAL FOOTPRINT
AS OF YEAR-END 2015
WA
CA
OR
NV
ID
UT
MT
WY
CO
ND
SD
NE
KS
MN
IA
MO
WI
IL
IN
MI
KY
OH
WV
NY
PA
MD
VA
ME
VT
NH
MA
CT
RI
NJ
DE
DC
AZ
NM
OK
AR
MS
TN
AL
GA
SC
NC
TX
LA
AK
HI
FL
ACTIVE, WRITING
STATES WITH CERTIFICATE
OF AUTHORITY (COA)
0
500 Miles
0 500 KM
A MESSAGE FROM THE CHAIR AND THE CEO
Serving Generations of Physicians
It seems like only yesterday that a group of physicians in
Northern California — faced with a crisis in the liability
insurance industry that threatened their practices — banded
together to start a new policyholder-owned and physiciandirected
insurance company for the betterment of their
fellow physicians. That company was NORCAL Mutual.
Forty years later, we’re a national company serving multiple
generations of physicians and we’re still holding true to our
roots and still innovating in the medical professional liability
insurance industry.
Forty Years of an Unwavering Mission
When we issued our first policy on November 1, 1975,
we could have only imagined the advancements in the
practice of medicine that we see today. While NORCAL
has seen many changes in the medical professional liability
insurance (MPLI) industry, our philosophy expressed at our
founding has remained consistent even as we’ve grown
and evolved to stay ahead of our industry’s changing
needs. Even today, in historically soft market conditions,
we continue to succeed by maintaining this focus. Whether
you call this “constancy and change” as we did in our 1987
Annual Report or “tradition and transformation” as we
called it in 2007, it comes down to this: anticipating
and influencing a changing industry while retaining our
unwavering commitment to financial strength and stability
for the benefit of our policyholders. This is who we are.
This is our unwavering mission.
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.
Our first president, Dr. Ivan C. Neubauer, expressed this
founding philosophy succinctly in 1975: “to represent the
physician [while keeping] our Company financially sound
for the benefit of all its members.” Compare that simple
yet powerful idea with our first official company mission
statement in 1987 — which built on that founding vision —
and our current mission statement shown on the opening
page that expresses the same ideals today.
Strength and Stability for Generations to Come
Even as market and industry pressures continue, from soft
pricing and industry consolidation to Affordable Care Act
impacts and tort reform, we’ve remained squarely focused
on executing against our strategy. Our integration work
bringing four regional companies under one national banner
remains on track, driving further scale and efficiency to our
operations and a common policy to all our insureds. We’ve
also taken advantage of opportunistic growth strategies
in the form of the strategic acquisition of FD Insurance on
December 31, 2015, bringing 2,200 insureds and significant
premium, which we’ll recognize in 2016. FD Insurance is a
well-respected carrier based in Jacksonville, FL, which will
now become NORCAL’s Southeast hub.
All of these efforts have been purposeful steps on
our journey, while maintaining a sharp focus on fiscal
responsibility. A testament to this focus is to once again
earn A.M. Best’s “A” (Excellent) rating for the 32nd
consecutive year — an achievement we’re very proud of.
Our mission is as powerful now as it was when we began
40 years ago. As we report on our 40th full year as a
policyholder-owned, physician-directed company, we
recommit ourselves to this mission of serving you —
our policyholders — and the generations of policyholders
to come.
We thank you for the trust that you continue to place in us.
Scott Diener
President & Chief Executive Officer
Jaan Sidorov, MD, MHSA, FACP
Chair
2015 ANNUAL REPORT 3
Forty-Year Policyholder Extends Legacy through Daughter
Dr. Michael N. Cowan, board certified allergist and immunologist, was one of NORCAL’s first policyholders in
1975. He was also the first allergist in the peninsula region, when he and his wife established Peninsula Allergy
Associates in 1966. They later opened the Pleasanton Allergy and Asthma Clinic, where today, he and his
daughter, Dr. Beth Cowan, practice together. The duo have worked together, building a practice of varying
complementary specialties that meet the broad healthcare needs of the community. Their clinic is comprised
of allergy, dermatology and OB/GYN.
Beth says she wanted to be a doctor like her dad, but the practice of medicine today is much different than
it used to be. “Medicine marches forward in some ways in good and some ways in very frivolous directions,”
she says. Technological advances, regimented documentation and the amount of knowledge that must be
maintained are just some of the major differences that have changed the face of medicine between these
two generations.
They choose to entrust their practice to NORCAL for the consistent, responsive service they receive. Their
practice has also benefited from an onsite assessment from a NORCAL risk management specialist who
helped provide guidance in training staff on better record keeping, which has helped their practice.
Dr. Michael N. Cowan and Dr. Beth Cowan
YEAR IN REVIEW
A Legacy of
Supporting Generations
As a policyholder-owned and physician-directed
company, we are very proud to have insureds
who have been with NORCAL for many years
and whose children — and grandchildren — are
now part of the NORCAL family. Some of their
stories are shared throughout this report. We
are thankful for the trust these generations of
policyholders — and all our policyholders — have
placed in us, and are pleased to be celebrating
40 years of serving you.
From planting our roots in Northern California in 1975, we expanded across
the state and into Alaska in 1991. In 1994 we began writing in Rhode Island, and
continued into Pennsylvania in 1998 and Delaware in 2007. Our growth accelerated
in 2011 with the addition of 24 new states with the acquisition of Medicus Insurance
Company. And now, to close out 2015, we finalized the acquisition of FD Insurance,
Florida’s fourth largest MPLI carrier, and established Jacksonville as NORCAL’s
Southeast hub. Our national growth has brought together more than 27,000
policyholders with diverse locations and specialties. At year-end 2015, the
NORCAL Group of companies was actively writing in a total of 35 states and
the District of Columbia, with plans to enter additional markets in 2016.
Expertise and Trust Built Over Decades
Since our early years, NORCAL Mutual has been a leader in risk management,
launching a joint effort with California hospitals in 1978 to help advance patient safety.
Our risk management efforts expanded in 1980 with the launch of Claims Rx and
the initiation of claims prevention seminars to guide policyholders in ways to reduce
risk and enhance patient safety. This industry-leading program is moving the dial in
helping practices identify liability risks and has a history of recognized excellence.
Beginning in 1982, NORCAL produced a series of five educational risk management
and claims videos that would eventually win a total of seven national awards. In 2015,
Claims Rx received an “Award of Excellence” for innovative work by the Insurance
Marketing and Communications Association, and further national recognition with our
Medical Liability Risk Management Series winning PR Daily’s Content Marketing
Award for “Best Content Series,” besting notable Fortune 500 companies.
2015 ANNUAL REPORT 5
Three Generations of Physicians Work to Improve
Access to Medicine in Rural West Virginia
Dr. Samuel Muscari, Sr., established Family Healthcare Associates, Inc. in 1986 with the goal of improving
access to healthcare services in rural West Virginia. Today, there are three generations of Muscari physicians
practicing medicine together, including his two sons and a grandson. This Medicus-insured practice operates
six rural health clinics across four counties in the state and includes Dr. Anthony Flaim and several mid-level
practitioners.
Samuel Sr. had always hoped his sons would follow in his footsteps and is proud to have a family of
physicians helping the underserved in West Virginia. His grandson Dr. Nicholas Muscari says the shortage
of physicians in West Virginia has created a barrier for patients. “One of my grandfather’s catchphrases
has been ‘You don’t get sick by appointment.’ We try to offer ease of access versus having to call in and
get an appointment. Providing the ease of care is extremely beneficial to the population.”
Each generation in the Muscari family has seen tremendous changes in the practice of medicine, including
the shift to electronic health records (EHR). Even though the shift to EHRs was intended to improve
communication between practices, the ability to obtain information remains a challenge in rural parts
of the state, making it difficult for physicians to keep accurate documentation. Through the changes,
Dr. Samuel Muscari, Jr., says they have entrusted their family practice to Medicus Insurance Company
because they feel safe practicing medicine under the protection of an efficient insurance carrier and
for the quality service at a competitive price they receive.
Dr. Michael Muscari says he feels lucky to practice medicine in his home state. “I could not ask for more than
the opportunity to work with my family and serve our community.”
(Left to Right) Dr. Samuel Muscari, Jr., Dr. Nicholas Muscari, Dr. Samuel Muscari, Sr., Dr. Anthony Flaim and Dr.
Michael Muscari.
YEAR IN REVIEW
Our continuing medical education (CME) program remains among the most robust in
the industry, awarding 30,356 CME certificates to participants in 2015. In 1997, NORCAL
was among the first MPLI carriers to earn accreditation from the Accreditation
Council for Continuing Medical Education (ACCME) and, in 2015, NORCAL earned
ACCME Accreditation with Commendation — the highest level of designation —
for the third consecutive six-year cycle. To stay on top of emerging trends and needs,
we launched the MyNORCAL® app to conveniently bring exclusive CME learning
opportunities to policyholders whenever and wherever they need it, including
current and past issues of the now exclusively-digital Claims Rx.
Protecting Practices Today and Tomorrow
Our history of influencing and identifying emerging trends and adapting our products
and services to meet the changing needs of generations of physicians is a hallmark
of NORCAL. Over the years, we have delivered innovative coverage options, such
as administrative defense and protection for group practices in 1987, then added
additional coverage options including tail, entity, prior acts, and information and
network security coverages, to name a few.
Today we continue this legacy, ensuring that we offer coverages to meet the complex
needs of today’s practice. By year-end 2015, our common national policy — NORCAL
Mutual Health Care Professional (HCP) — was active in 13 of our 35 active states,
reaching 89.7% of our policyholders. Fourteen additional states are approved by state
departments of insurance to roll out in 2016 and three other states have applications
pending. This policy offers enhancements to areas that are crucial to today’s practices
such as cyber liability, administrative defense, health care general liability, non-owned
auto and hired auto, and administration of your employee benefits program.
Additionally, in response to the growing complexities of changing practice structures,
NORCAL formed the Custom Accounts group to focus specifically on coverage for
the unique requirements of insureds not served by our standard policy such as special
programs, multi-state and multi-specialty practices.
Our ability to serve and support our policyholder-owners is directly related to the
purposeful strategic steps we have taken. Our growth plans are carefully balanced
with our fiduciary responsibility, ensuring that we retain our strength and stability
while delivering innovative products and outstanding service to our policyholders.
Forty years of experience means that we bring the longevity and stability to manage
through a variety of market fluctuations, to ensure that we will be there when you —
and the next generation of policyholders — need us most.
2015 ANNUAL REPORT 8
Mother and Daughter Share the Journey of Being Physicians
Pediatrician Dr. Shahida Mohammad has trusted her practice to NORCAL Mutual for 21 years. When her
daughter Dr. Sophia Mohammad joined Evergreen Family Practice in 2013, the mother-daughter team chose
to stay with NORCAL for the coverage and reliable services. Shahida says she always knew NORCAL was on
her side and was happy to recommend the company to her daughter. For Sophia, the choice was clear from
the start. “NORCAL really focuses on its physicians, and I know they will keep me as a first priority.”
The practice also enjoys NORCAL’s risk management offerings. Sophia uses the monthly Claims Rx to teach
residents about current malpractice cases and to stay up to date in her practice. She says the company’s
resources and customer accessibility make running a practice easier. “I have always received a quick
response, and I never feel like I am taking a number with NORCAL. It’s very individualized and I think
that approach makes a difference whether it’s a policyholder or a patient.”
Shahida continues to offer pediatric services, while Sophia focuses on family medicine. Even though they
have different specialties, Shahida and Sophia often collaborate on cases to strengthen the quality of care
provided to patients.
Dr. Shahida Mohammad (L) and Dr. Sophia Mohammad
40 YEARS
NORCAL GROUP MILESTONES
1975:
Northern California physicians band together
to form NORCAL Mutual Insurance Company —
first policy written on November 1, 1975.
1985:
NORCAL expands into Southern California.
1978:
NORCAL launches its first
Patient Safety Program,
consolidating two years
of research on NORCAL
claims loss data.
1980:
The launch of Claims Rx provides
policyholders with risk management
insight based on claims experience
and loss trends.
NORCAL becomes the only
physician-owned company to
maintain a complete staff of its
own claims investigators.
1991:
NORCAL expands into Alaska.
1994:
NORCAL establishes a foothold on
the East Coast in Rhode Island.
1982:
NORCAL begins producing a series
of award-winning educational risk
management and claims videos.
1984:
A.M. Best affirms NORCAL with an
“A” rating, a distinction maintained
every year since.
1997:
NORCAL is among the first MPLI carriers to earn
accreditation from the Accreditation Council for
Continuing Medical Education (ACCME).
2013:
NORCAL expands into Maryland,
Louisiana and DC through Medicus.
1998:
NORCAL expands into Pennsylvania
through PMSLIC.
2000:
NORCAL offers Administrative Defense
coverage for the first time.
2011:
NORCAL expands into 24
additional states with the
acquisition of Medicus.
2003:
ACCME awards NORCAL the first of three
consecutive six-year Accreditation with
Commendation terms, most recently in 2015.
2007:
NORCAL expands into
Delaware through PMSLIC.
2010:
Cyber liability becomes
standard for NORCAL,
PMSLIC and Medicus
policies.
2014:
NORCAL’s Health Care Professional
(HCP) policy is launched — begins
to rollout across the country.
2015:
MyNORCAL mobile app launches.
Claims Rx wins an “Award of Excellence” for innovative work from the IMCA.
NORCAL’s Medical Liability Risk Management Series wins PR Daily’s Content
Marketing Award for “Best Content Series,” besting notable Fortune 500 companies.
NORCAL acquires FD Insurance, Florida’s fourth largest MPLI carrier,
and establishes Jacksonville as NORCAL’s Southeast hub.
A MESSAGE FROM THE CFO
Financial Strength and Stability
For more than 40 years NORCAL Mutual has upheld its mission of
providing a financially strong MPLI option for physicians, hospitals,
facilities and other healthcare professionals. We continue to maintain
a strong balance sheet with historically positive operating results,
even with the continued headwinds from changes in the healthcare
industry and market fluctuations. This is reflected in NORCAL earning
an A.M. Best “A” (Excellent) rating for 32 consecutive years and
securing our position as the ninth largest MPLI carrier in the nation,
based on direct written premium in 2015.
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.
Mark D. Johnson
Senior Vice President &
Chief Financial Officer
2015 ANNUAL REPORT 12
300,000
2B 2013
250,000
$1,556,058B
$1,556,058B $1,551,482B
2012
1.5B
200,000
2011
150,000
1B
AT A GLANCE
100,000
$289M 2013
$285M $293M
2012
2011
.5B
50,000
0
STABILITY
0
CONSISTENCY
2012
2013
2014
$1,560M
$1,565M
$1,551M
$290M
$293M
$285M
2013 2014 2015
2013 2014 2015
TOTAL ADMITTED ASSETS for NORCAL Group remained
stable at $1.5 billion over the past three years.
DIRECT WRITTEN PREMIUM remained relatively flat as
soft market conditions continued into 2015.
STRENGTH
GROWTH
$634M
$642M
$670M
25,600
27,390
27,736
2013
2014
2015
2013
2014
2015
POLICYHOLDER SURPLUS continued to grow to $670
million due to sound business practices and solid
investment returns.
POLICYHOLDER COUNT has exceeded 27,000 as
NORCAL Group has expanded into new markets
and offered new products.
NORCAL GROUP CONSOLIDATED FINANCIAL RESULTS
NORCAL Group, which included NORCAL Mutual, Medicus
Insurance Company and PMSLIC Insurance Company in 2015,
remained consistent through another historically soft market year —
seeing competitive decreases in premium and striving to lower
expenses. The NORCAL Group, including its growth in the E&S
market, closed the year with $290 million of direct written premium.
We remain well capitalized with $1.5 billion in assets and $670
million in policyholders’ surplus, ensuring our ability to protect
our policyholders into the future.
All numbers in thousands
STATUTORY-BASIS INCOME STATEMENTS 2015 2014
INCOME
Net premiums earned 283,117 275,523
Net investment income 38,194 35,412
Net realized gains on investments 17,904 30,285
Total Income $ 339,215 $ 341,220
EXPENSES
Losses & loss adjustment expenses incurred 223,197 217,347
Other underwriting expenses 39,190 39,369
Acquisition costs, net 29,374 30,541
Other expenses (4,248) 3,416
Total Expenses $ 287,513 $ 290,673
Income before dividends & federal income taxes 51,702 50,547
Dividends declared to policyholders, net 35 14,477
Income before federal income taxes 51,667 36,070
Federal income tax expense 10,229 9,844
Net Income $ 41,438 $ 26,226
2015 ANNUAL REPORT 14
All numbers in thousands
STATUTORY-BASIS BALANCE SHEETS 2015 2014
ADMITTED ASSETS
Debt securities 1,060,311 1,062,760
Equity securities 228,609 251,921
Cash, cash equivalents & short-term investments 52,193 66,570
Other invested assets 45,281 64,541
Subsidiaries and affiliates 53,026 –
Total Cash & Investments $ 1,439,420 $ 1,445,792
Investment income receivable 11,387 11,222
Premiums receivable 57,123 57,090
Reinsurance recoverables 1,081 1,060
Deferred tax assets 32,860 28,557
Other admitted assets 18,886 21,135
Total Admitted Assets $ 1,560,757 $ 1,564,856
LIABILITIES
Losses & loss adjustment expenses 630,234 652,257
Unearned premiums 128,885 133,615
Premiums collected for future renewals 26,493 31,095
Dividends payable to policyholders 1,241 15,488
Federal income tax payable 2,053 3,907
Funds held under reinsurance treaties 9,905 9,519
Notes payable 37,000 9,375
Other liabilities 54,798 67,465
Total Liabilities $ 890,609 $ 922,721
POLICYHOLDERS’ SURPLUS
Unassigned surplus 670,148 642,135
Total Policyholders’ Surplus $ 670,148 $ 642,135
Total Liabilities & Policyholders’ Surplus $ 1,560,757 $ 1,564,856
TESTIMONIALS
“
I was one of the original policyholders with NORCAL. We have received all
sorts of solicitations from others [MPLI companies] but I’ve always felt it
extremely important to establish a relationship with one company and
maintain it. Fortunately, we have not had any issues but I am very
comfortable that if there were any issues that I could count on the
”
support of NORCAL.
- Dr. Michael N. Cowan
“
I don’t ever want to change from NORCAL because they are very
”
courteous and helpful. I am happy with NORCAL.
- Dr. Shahida Mohammad
“
Medicus is excellent because we get efficient malpractice insurance.
A lot of times when you are practicing you lose sight of the risk you take
every day in going in a room to see a patient. I feel safer knowing we have
”
Medicus on our side.
- Dr. Samuel Muscari, Jr.
NORCAL GROUP OFFICERS
Scott Diener
President & Chief
Executive Officer
Julie L. Burns
Senior Vice President &
Chief Human Resources Officer
Timothy J. Friers
Senior Vice President &
Chief Operating Officer
Mark D. Johnson
Senior Vice President &
Chief Financial Officer
Kara M. Ricci
Senior Vice President,
Chief Legal Officer &
Corporate Secretary
Ronald C. Rumin
Senior Vice President &
Chief Business Development Officer
Andre J. Stewart
Senior Vice President,
Underwriting – Custom Accounts
Joy E. Corso
Vice President,
Marketing & Communications
Denis J. Dillon
Vice President,
Finance & Treasurer
Thomas J. Lownik
Vice President,
Underwriting
Dennis A. Meisel
Vice President,
Finance & Controller
Michael W. Perkins
Vice President,
Information Technology
Michael G. Roque
Vice President,
Sales & Business Development
Dustin A. Shaver
Vice President,
Risk Management
Neil E. Simons
Vice President,
Product Development
Jeffery J. Smith
Vice President &
Chief Actuary
Cobie Buchman
Associate Vice President,
Claims
Mark C. Cachia-Riedl
Associate Vice President,
National Claims Operations
Christoph L. Dugre
Associate Vice President,
Claims
Joseph S. Giulivo Jr.
Associate Vice President,
Underwriting Operations
Annie E. Matincheck
Associate Vice President,
Underwriting
Michael C. Osborne
Associate Vice President,
Claims
Lucy D. Sam
Associate Vice President,
Underwriting
Kevin W. Smith
Associate Vice President,
Underwriting
Bruce P. Williams
Associate Vice President,
Actuarial
2015 ANNUAL REPORT 17
BOARD OF DIRECTORS
Jaan E. Sidorov, MD, MHSA, FACP
Chair
Internal Medicine
Dr. Sidorov has been a Director since
2009 and Chair since 2011. He was a
primary care physician for more than
24 years, while also authoring more
than 50 peer-reviewed publications.
He serves on the Executive Committee
of the Dauphin County Medical Society
and is on the Board of the Pennsylvania
Medical Society. He is also a member of
the California Medical Society.
Patricia A. Dailey, MD
Vice Chair
Anesthesiology
Dr. Dailey has been a Director since 2004.
She has served as President of the
California Society of Anesthesiologists,
and has practiced as an anesthesiologist
in San Mateo County for more than 27
years. She is a Director of Mills-Peninsula
Medical Group.
Sandra L. Beretta, MD
Secretary of the Board
Obstetrics & Gynecology
Dr. Beretta has been a Director since
2011, as well as a member of the Claims
Advisory Committee since 2003. She
is a managing partner of a private
practice partnership in San Mateo,
CA and has been a practicing
OB/GYN for 24 years.
Fabiola Cobarrubias, MD, MBA
Hospitalist
Dr. Cobarrubias has been a Director
since 2012, and serves as a hospitalist
consultant to NORCAL Group’s Claims
Advisory Committee. She is a hospitalist
at California Pacific Medical Center,
where she held the position of Medical
Director - Hospitalist Service from
2004 to 2011. She is also a founder, past
president and current board member of
Pacific Inpatient Medical Group.
Scott Diener
President & CEO,
NORCAL Mutual
Mr. Diener has been a Director since
2015, and has served as President and
Chief Executive Officer for the NORCAL
Group of companies since 2011. He is a
37-year veteran of the insurance industry,
specializing in medical professional
liability. His work has spanned several
areas of the industry including claims, risk
management and business development.
Alice H. Gannon, FCAS, MAAA, CPCU
Actuary
Ms. Gannon has been a Director since
2009. As an actuary, she has worked in
the insurance industry for more than 39
years. She serves on the Board for the
Texas Windstorm Insurance Association
and the Insurance Institute of Highway
Safety and Highway Loss Data Institute.
2015 ANNUAL REPORT 18
Roger M. Hayashi, MD
Vascular Surgery
Dr. Hayashi has been a Director
since 2004, and served as a surgical
consultant to the Claims Advisory
Subcommittee since 1996. He has
retired from practice as a vascular
surgeon in Santa Clara County after
34 years. He served as Chair of the
Department of Surgery and Chair
of Cardiovascular Services at Good
Samaritan Hospital. He has also
served as a Councilor to the Northern
California Vascular Surgery Society.
M. Diane Koken, JD
Legal Consultant
Ms. Koken has been a Director since
2008. She has been an attorney and
insurance professional for more than
30 years, and served as the Pennsylvania
Insurance Commissioner from 1997 to
2007. Ms. Koken is currently a consultant
and Director of Nationwide Mutual
Insurance Company and Nationwide
Mutual Fire.
Steven J. Packer, MD
President & CEO,
Community Hospital Foundation
Dr. Packer has been a Director since
2013. He is President and CEO of
Community Hospital Foundation and
its related companies. He previously
served as Chair of the California
Hospital Association.
Rebecca J. Patchin, MD
Anesthesiology
Dr. Patchin has been a Director since
2011. She has been an anesthesiologist
and pain management specialist in
Riverside-San Bernardino counties for
20 years. She serves on the Board for
The Center for Transforming Health Care.
Scott C. Syphax
President & CEO,
Nehemiah Corporation of America
Mr. Syphax has been a Director
since 2011. He leads the Nehemiah
Corporation of America (NCA), a notfor-profit
community development
corporation based in Sacramento, CA.
Mr. Syphax also serves on the Board of
Directors for the Federal Home Loan
Bank of San Francisco and is Chairman
of Valley Vision.
OUR VISION
We will be a top-tier national medical
professional liability company by being a
dynamic organization whose commitment
to innovative products and services keeps
us an integral part of healthcare delivery.
2015 ANNUAL REPORT 20
NORCAL-GROUP.COM
560 Davis Street, Suite 200 | San Francisco, CA 94111-1974 | 844.4NORCAL
©2016 NORCAL Mutual Insurance Company. All rights reserved. NG0676-1
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