Nor Cal ReLiEF provides “excess” property coverage to K-12 public schools in Northern California through a combination of self-insurance and transferred mechanisms, mainly reinsurance.  NCR currently self-insures its members’ claims up to a limit of $250,000 on property claims. NCR purchases reinsurance to cover claims that exceed its self-insured retention. Members choose member retained limits (“MRL’s”, or deductibles) between $5,000 and $250,000 per loss.