Palomar Holdings, Inc.
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Palomar’s current official site presents broader specialty P&C offerings beyond Home and Flood, with commercial and residential catastrophe-focused products written nationwide through agent/broker channels. The most specific verified underwriting guidance found is for Commercial DIC/Earthquake, which includes flood coverage: admitted product available in AK, AR, AZ, CA, IL, IN, KS, KY, MO, NV, OK, OR, TN, UT, and WA; earthquake can be standalone; acceptable DIC coverages include earthquake, EQSL, and flood only outside FEMA A and V zones; capacity is up to $25M limit / $25M max TIV in CA and up to $30M limit with unlimited TIV in other listed states; policy term is 12 months, or 24 months for course-of-construction risks. Preferred commercial occupancies include apartments/condos, nursing homes, mercantile/shopping centers, office/professional buildings, hotel/motel, lessor’s risk, light manufacturing/assembly only, and course of construction. Restricted or adverse characteristics include BI exposure over 40% of TIV, highly damageable contents over 10% of TIV, tuck-under or soft-story parking, poor soil/liquefaction/bay mud conditions, unreinforced masonry, frame construction older than 1956, and other construction older than 1975 unless retrofitted. Required submission data for this product includes original year built, construction type, occupancy, building height/stories, parking type, square footage, and TIV breakdown. For residential flood, Palomar’s official flood materials describe standalone private flood coverage with no waiting period, no elevation certificate required, online quote-and-bind capability, payment plan options, and lender-bill binding without payment up front; admitted availability shown in AZ, CA, CO, HI, IL, IN, NV, OK, OR, PA, SC, TN, UT, and VA, and non-admitted availability shown in AR, CT, GA, KS, KY, MA, ME, MI, MO, MS, NC, NJ, NM, TX, WA, and WI. Residential flood limits shown are dwelling up to $5M, personal property up to $1M, and loss of use up to $50K, with deductibles as low as $500 and no waiting period subject to weather moratorium. Residential flood eligibility notes include no occupancy clause, primary and non-primary residences acceptable with surcharge, and no flood claims in the past 10 years. Producer/broker guidance emphasizes cross-sell and proactive flood offers, online quoting/binding efficiency, and contact through Palomar’s inside sales/resources channels; however, no separate official broker appetite portal with fuller class-by-class underwriting restrictions was verified on the public site.