Palomar Protects

We offer customized specialty insurance solutions for homes and businesses in the face of earthquakes,
hurricanes and floods

Join Us

Bring your entrepreneurial spirit to Palomar

Making a Difference

We’re committed to Environment, Social and Governance (ESG)

A moratorium for new residential and commercial earthquake business is currently in place in Humboldt County.

A Fresh Perspective on Specialty Insurance

Our Product Lines

As leaders in providing insurance coverage for earthquakes, hurricanes, floods and other perils, we’re taking a fresh perspective on specialty insurance. We leverage proprietary data analytics, advanced technology and industry expertise to provide comprehensive protection and tailored pricing for individuals and businesses

Commercial Insurance Products

DIC / Earthquake Insurance

Differences in Conditions insurance provides flexible coverage for earthquake and earthquake sprinkler leakage.

Commercial Flood Insurance

Flexible insurance coverage designed to protect your business and property. No waiting period or elevation certificate required.

Inland Marine Insurance

Property insurance for builder’s risk, contractor’s equipment, non-contractor’s equipment, and miscellaneous floaters.

General Casualty Insurance

Insurance coverage protecting against injuries to persons and legal liability imposed upon the insured.

Residential Insurance Products

Earthquake Insurance

Standalone coverage featuring granular pricing and flexible product features.

Flood Insurance

Flexible insurance coverage designed to protect your home and property.  No waiting period or elevation certificate required.

Hurricane Insurance

Hurricane insurance for residential homeowners in Hawaii.



“We provide comprehensive and innovative insurance solutions to underserved individuals and businesses against increasing loss from earthquakes, hurricanes and floods.”

-Mac Armstrong, Palomar CEO

Agile, Bold and Creative

Specialty Insurance Reimagined

We are a different kind of insurance company focused on providing customized solutions for complex perils and driven by a commitment to problem solving, innovation and sustainability.


Misleading Flood Maps Can Block Insurance Uptake

Despite the rising risks of flood events and flood damage, only about 4% of homeowners nationwide have flood insurance. According to a research associate at NC State’s Center for Geospatial...

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