Palomar Holdings, Inc.

Palomar Holdings is a specialty insurance company that underwrites property and casualty insurance for individuals and businesses across the United States. The company focuses on high-risk or underserved segments, offering residential and commercial earthquake insurance, inland marine coverage, residential flood insurance, and Hawaii hurricane protection. Palomar also provides excess national property coverage and assumed reinsurance products, along with crop insurance offerings. The company utilizes a diversified distribution model, reaching customers through retail agents, program administrators, wholesale brokers, and strategic partnerships rather than relying on direct channels.

The company's business operates across personal and commercial specialty insurance lines, with earthquake coverage representing a significant product area given California's geographic exposure and market dynamics. Palomar's product portfolio extends to niche segments including fronting arrangements and other specialized property coverages. With approximately 440 full-time employees and headquarters in La Jolla, California, the company operates at a mid-sized scale within the specialty insurance sector. Palomar was incorporated in Delaware in 2013 and is publicly traded on Nasdaq.