---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-22-018750"
form_type: "8-K"
ticker: "PLMR"
cik: "0001761312"
company_name: "Palomar Holdings, Inc."
filed_at: "2022-12-16T23:59:59+00:00"
generated_at: "2026-06-21T03:28:29.995148+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Palomar updates FY2022 adjusted net income guidance to $82-85M, reduces continental wind PML to $100M

## Summary
- Q3 2022 GWP of $253M, up 66% YoY; same-store growth 30% excluding Fronting.
- FY2022 adjusted net income guidance $82-85M (48% growth at midpoint), includes Hurricane Ian reinsurance cost.
- Reducing continental wind PML from $250M to $100M to manage catastrophe exposure.
- $675M of cat XOL tower is multi-year via Torrey Pines Re cat bonds, not renewing in 2023.
- Adjusted ROE floor of approximately 14% for FY2022 with aggregate reinsurance program.

## SEC filing metadata
- accession: 0001558370-22-018750
- form_type: 8-K
- ticker: PLMR
- cik: 0001761312
- company_name: Palomar Holdings, Inc.
- filed_at: 2022-12-16T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1761312/000155837022018750/0001558370-22-018750-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1761312/000155837022018750/plmr-20221216x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-018750
- JSON: https://secwatch.observer/filing/0001558370-22-018750.json
- Plain text: https://secwatch.observer/filing/0001558370-22-018750.txt

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