Palomar is a specialty property and casualty insurance company that offers focused insurance solutions across earthquake, casualty, inland marine, crop, and fronting product lines to personal and commercial customers through a diversified distribution model including retail agents, wholesale brokers, and strategic carrier partnerships. The company operates through both admitted and excess & surplus insurance subsidiaries with proprietary, granular underwriting models that leverage geocoding and analytics to price risk more precisely than generalist competitors, enabling it to profitably serve underserved specialty insurance markets. Palomar generates revenue from direct insurance premiums, fee income from reinsurance ceding commissions and program administration partnerships, and investment income on reserves, while maintaining conservative risk management practices through sophisticated reinsurance arrangements.