Insights

Practical guidance on protecting your business, your fleet, your employees, and your home — written by the Palomar team.

Blog 1

Palomar Insurance Corporation Earns Sentry® Transportation Award for Fourth Consecutive Year

Palomar Insurance Corporation is proud to be recognized by Sentry Insurance as a 2026 Agency of Excellence. This award reflects our commitment to offering the specialized protection needed in today’s […]

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Blog 2

Spatial Separation for Egg Farmers

As egg producers expand facility footprints and convert to cage-free housing, managing fire risk has become central to protecting capital investment and securing favorable property insurance rates. Modern layer barns now rise three to five stories. At that scale, the traditional 50-foot separation between buildings is often no longer sufficient to prevent a fire in […]

5 Home Improvements to Save on Home Insurance

Five Upgrades That Lower Your Homeowners Premium

Want to lower your homeowners insurance premium without giving up protection? The right improvements and a well-managed policy can unlock real carrier discounts. We sat down with Lynn Swink, LUTCF, Director of Personal Lines Sales at Palomar, to walk through five high-impact changes that put money back in your pocket. 1. Upgrade to an IBHS FORTIFIED […]

Semi truck at a weigh station with a driver reviewing paperwork.

Trucking Insurance Made Simple: Coverages, Filings, and Ways to Cut Costs

A plain-language guide to commercial trucking insurance: the three core coverages, the supplemental protections most carriers need, the FMCSA and state filings that keep authority active, and what actually moves your premium. Includes current federal minimum limits, the pending rulemaking that could raise them, and practical steps owner-operators and small fleets can take to improve pricing without cutting protection.
Healthcare is your second largest expense. Who controls it?

Healthcare Is Your Second-Largest Expense. Why Are You Letting Someone Else Control It?

Most business owners scrutinize a $100,000 truck purchase far more closely than a health plan that will cost far more over the same period. The difference is not carelessness — it is that healthcare is one of the few major corporate expenses where the buyer has almost no visibility into pricing or where the money goes. Mike Otis, Vice President of Employee Benefits at Palomar, lays out the four kinds of access an employer needs to manage healthcare the way they manage every other line item.
Blog 3

Safety Tips for Auto Hauling

Contact the Palomar Transportation Team to learn more. *The Federal Motor Carrier Safety Administration (FMCSA) is an agency within the Department of Transportation.

Blog 4

Know Potential DOT Violations to Avoid Penalties

The trucking industry faces enough challenges without accruing avoidable Department of Transportation (DOT) violations. Violations can lead to DOT sanctions, including fines, suspension of operations, and jail time, and can also increase insurance premiums. Maintaining a formal safety and training program with documented policies and procedures can help prevent these common DOT violations. Click here […]

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