---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-018799"
form_type: "8-K"
ticker: "PLMR"
cik: "0001761312"
company_name: "Palomar Holdings, Inc."
filed_at: "2025-05-29T23:59:59+00:00"
generated_at: "2026-05-20T06:09:32.579858+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Palomar raises FY2025 adj net income guidance to $195-205M; secures $455M incremental EQ limit

## Summary
- Full-year 2025 adjusted net income guidance raised to $195-205M from $186-200M.
- Procured ~$455M incremental earthquake limit; total coverage now $3.53B for EQ, $100M for hurricane.
- Hurricane per-occurrence retention reduced to $11M from $15.5M; earthquake retention unchanged at $20M.
- $525M Torrey Pines Re catastrophe bond issued (sixth ILS transaction), upsized from $425M target.
- First standalone XOL treaty for Laulima Exchange Hawaii hurricane policies, up to $735M coverage.

## SEC filing metadata
- accession: 0001437749-25-018799
- form_type: 8-K
- ticker: PLMR
- cik: 0001761312
- company_name: Palomar Holdings, Inc.
- filed_at: 2025-05-29T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1761312/000143774925018799/0001437749-25-018799-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1761312/000143774925018799/plmr20250529_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-018799
- JSON: https://secwatch.observer/filing/0001437749-25-018799.json
- Plain text: https://secwatch.observer/filing/0001437749-25-018799.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.