Palomar promoted Justin Smitherman to Chief Technology Officer, adding responsibility for technology strategy, complex systems, and executive liaison work with the Board of Directors. After joining Palomar in 2011 and becoming IT Director in 2013, he continued improving connectivity, security, technology, and customer service.
Palomar welcomed Luke Skipper as an Account Executive specializing in commercial insurance and food distribution. His specialty distribution experience helps clients understand their risks and shape insurance products to meet their needs, extending Palomar’s service to food industry clients from the Kennesaw office.
Severe weather rarely gives much notice, and the work that protects your home happens before the forecast changes. Review your coverage and wind and hail deductible, lock in flood coverage before waiting periods leave you exposed, and document what you own while you still can. With a plan in place for the day itself, you’ll be ready before the next warning hits.
Palomar received the Leading Workplace for Women recognition from the Girl Scouts of Southern Alabama for supporting women’s leadership, success, and equal opportunity. The award reflects Palomar’s women leaders and community involvement, as well as its partnership with the Girl Scouts’ mission to build courage, confidence, and character.
If you run an interstate authority, your liability policy carries an MCS-90 endorsement, but it isn’t extra coverage for your business. It’s a federal guarantee that the injured public gets paid when your policy denies a claim, and your insurer can then bill you for every dollar. Here’s how the MCS-90 works and the steps that keep your claims from being denied in the first place.
As farms adopt connected devices, automated barn controls, and web-based management systems, cyber exposure has moved well past the back office. On a livestock or poultry operation, a locked-up system isn’t an inconvenience; it’s a welfare emergency on a clock, and attackers know that pressure makes producers more likely to pay. Here’s where agricultural operations are most exposed and how cyber liability coverage helps protect them.
Winter property damage in the Southeast often starts with ice, falling limbs, clogged gutters, or meltwater beneath shingles. Protect your property with seasonal maintenance, safe damage documentation, snow-load and ice-dam precautions, roof-specific removal methods, contractor insurance verification, and a timely review of your property coverage.
A sudden freeze after a mild autumn catches property owners off guard every year, and Southern homes with plumbing in crawlspaces, attics, and exterior walls are especially vulnerable to burst pipes. Insulate exposed pipes, know where your main water shutoff is, service your heating system, and run generators outdoors only. Commercial properties can cut risk and improve renewal terms by setting written freeze triggers and keeping documented maintenance logs.
Your fleet can reduce fuel waste through steady speeds, reduced idling, properly maintained tires and alignment, efficient route planning, and lower aerodynamic drag. These practices also support safety, regulatory compliance, and loss history, while driver coaching and risk consulting can help make them part of daily operations.
