Palomar is a specialty property and casualty insurance company operating under a holding company structure known as Palomar Holdings, Inc. It functions primarily as an admitted and surplus lines carrier that leverages modern technology, comprehensive data analytics, and disciplined underwriting to address complex property risks. Rather than competing as a mass-market auto or standard home insurer, Palomar focuses deliberately on niche markets, filling critical coverage gaps for natural catastrophes like earthquakes, floods, and hurricanes through independent agency channels.
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