SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) March 3, 2003 PENN-AMERICA GROUP, INC. -------------------------------------------------------------------------------- (Exact name of registration as specified in this charter) Pennsylvania 0-22316 23-2731409 -------------------------------------------------------------------------------- (State or other jurisdiction of (Commission File (I.R.S. Employer incorporation or organization) Number) Identification No.) 420 S. York Road, Hatboro, Pennsylvania 19040 -------------------------------------------------------------------------------- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (215) 443-3600 -------------------------------------------------------------------------------- Items 1-8. None Item 9. Regulation FD Disclosure The Company, through its wholly owned insurance company subsidiaries, Penn-America Insurance Company and Penn-Star Insurance Company, has filed Annual Statements for Penn-America and Penn Star with the Department of Insurance of Pennsylvania, their state of domicile, departments of insurance in other states where the Company does business, and with the National Association of Insurance Commissioners (the "NAIC"). The Company wishes to inform all interested parties that the Annual Statements are available from: Pennsylvania Department of Insurance 1345 Strawberry Square Harrisburg, PA 17120 Attn: Kaushik Patel (717) 787-5890 Penn-America Group, Inc. 420 S. York Road Hatboro, PA 19040 Attn: Stacey Manzo (215) 443-3600 or from the Company's website: www.penn-america.com The information provided is being furnished solely for purposes of satisfying Regulation FD and is not to be deemed an admission of materiality, nor is it being filed for purposes of Section 18 of the Exchange Act. SIGNATURES Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. PENN-AMERICA GROUP, INC. Date: March 3, 2003 BY: /s/ Garland P. Pezzuolo Garland P. Pezzuolo (Secretary and General Counsel)