8-K

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): October 23, 2003

Philadelphia Consolidated Holding Corp.

(Exact Name of Registrant as Specified in Charter)

Pennsylvania	0-22280	23-2202671
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(IRS Employer Identification No.)

One Bala Plaza, Suite 100, Bala Cynwyd, PA	19004
(Address of Principal Executive Offices)	(Zip Code)

Registrant’s telephone number, including area code: (610) 617-7900

TABLE OF CONTENTS

	ITEM 5. OTHER EVENTS.
	ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.
	ITEM 12. Results of Operations and Financial Condition
Signatures
EXHIBIT INDEX
THIRD QUARTER RESULTS SEPTEMBER 30, 2003
THIRD QUARTER 2003 CONFERENCE CALL PRESENTATION
THIRD QUARTER 2003 PREMIUMS BY SEGMENT
NINE MONTHS 2003 PREMIUMS BY SEGMENT
THIRD QUARTER 2003 ADDITIONAL SUPPLEMENTAL INFO.

ITEM 5.  OTHER EVENTS.

The Registrant is furnishing this Current Report on Form 8-K solely for the purpose of providing the supplementary data set forth in the Exhibit listed in Item 7(c) below.

ITEM 7.  FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.

(a)	Financial Statements of Business Acquired.
	Not applicable.
(b)	Pro Forma Financial Information.
	Not applicable.
(c)	Exhibits.
	Exhibit 99.1 Third Quarter Results September 30, 2003.
	Exhibit 99.2 Third Quarter 2003 Conference Call Presentation.
	Exhibit 99.3 Third Quarter 2003 Premiums by Segment.
	Exhibit 99.4 Nine Months 2003 Premiums by Segment.
	Exhibit 99.5 Third Quarter 2003 Additional Supplemental Information.

ITEM 12.  Results of Operations and Financial Condition

On October 23, 2003, the registrant conducted a conference call announcing the results of the Company’s operations for the quarter ended September 30, 2003. The conference call presentation is attached as Exhibit 99.2 to this report, and is incorporated herein by reference and shall be deemed “furnished” for purposes of the Securities Act of 1934, as amended.

The registrant discloses net operating income, a non GAAP financial measure, which it defines as net income adjusted for after-tax net realized investment gains and losses. Because net operating income is not a term defined by GAAP, the registrant’s net operating income may not be comparable to similarly title measures reported by other companies. However, the registrant believes that this measure provides useful information to help investors measure the results of its regular business activities. The registrant utilizes net operating income in its budget and planning process and, in part, in measuring actual performance.

Signatures

     Pursuant to the requirements 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.

	Philadelphia Consolidated Holding Corp.
	(Registrant)
Dated: October 24, 2003	By:	Craig P. Keller
		Craig P. Keller Executive Vice President, Secretary, Treasurer and Chief Financial Officer

EXHIBIT INDEX

Exhibit	Description	Method of Filing
99.1	Third Quarter Results September 30, 2003	Furnished electronically herewith.
99.2	Third Quarter 2003 Conference Call Presentation	Furnished electronically herewith.
99.3	Third Quarter 2003 Premiums by Segment	Furnished electronically herewith.
99.4	Nine Months 2003 Premiums by Segment	Furnished electronically herewith.
99.5	Third Quarter 2003 Additional Supplemental Information	Furnished electronically herewith.

EX-99.1 3 w90961exv99w1.htm THIRD QUARTER RESULTS SEPTEMBER 30, 2003

Exhibit 99.1

PHILADELPHIA CONSOLIDATED HOLDING CORP.
THIRD QUARTER RESULTS
SEPTEMBER 30, 2003

OCTOBER 23, 2003 PRESS RELEASE

Bala Cynwyd, PA — Philadelphia Consolidated Holding Corp. (PHLY-NASDAQ) today reported net income for the third quarter ended September 30, 2003 of $21.0 million ($0.92 diluted and $0.96 basic earnings per share) vs. $2.9 million ($0.13 diluted and $0.13 basic earnings per share) for the same period in 2002. The Company’s 2002 third quarter net income included $15.0 million of pre-tax ($9.750 million after tax, or $0.44 diluted loss per share) reserve strengthening for the residual value line of business. Net income for the quarter ended September 30, 2003 included $0.3 million ($0.01 diluted earnings per share) in after tax realized investment gains vs. $0.1 million ($0.01 diluted earnings per share) in after tax realized investment gains for the same quarter in 2002. Gross written premiums increased 36.1% in the quarter to $286.4 million vs. $210.5 million in the same quarter 2002.

Net income for the nine months ended September 30, 2003 increased 68.0% to $37.8 million ($1.68 diluted and $1.73 basic earnings per share) vs. net income of $22.5 million ($1.01 diluted and $1.04 basis earnings per share) for the same period in 2002. Net income for the nine months ended September 30, 2003 included $0.9 million ($0.04 diluted loss per share) in after tax realized investment losses vs. $2.0 million ($0.09 diluted loss per share) in after tax realized investment losses for the same period in 2002. Gross written premiums increased 36.0% for the nine months to $690.6 million vs. $507.7 million for the same period in 2002. The company’s book value per share at September 30, 2003 was $23.71.

James J. Maguire, Jr., President & CEO said, “We continued to have opportunities that meet our risk selection criteria and pricing guidelines. Gross written premiums were up 36% over the same period last year fueled by continued new business opportunities. In addition, renewal retention levels on accounts meeting our renewal standards exceeded 90% for the quarter. Price increases have begun to moderate signaling more capacity and increased competition, but I’m confident in our ability to continue executing at a high level through the balance of this year and into 2004.”

Page 2
Press Release
October 23, 2003

The Company will hold its quarterly conference call to discuss third quarter 2003 results today at 3:00 PM EDST. The call is being webcast and may be accessed at the Company’s web site at www.phly.com. The dial-in phone number for the conference call is (800) 915-4836.

This release contains forward-looking statements that are based on management’s estimates, assumptions and projections. In connection with the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995, the Company provides the following cautionary remarks regarding important factors which, among others, could cause the Company’s actual results and experience to differ materially from the anticipated results or other expectations expressed in the Company’s forward-looking statements. The risks and uncertainties that may affect the operations, performance, development, results of the Company’s business, and the other matters referred to above include, but are not limited to: (i) changes in the business environment in which the Company operates, including inflation and interest rates; (ii) changes in taxes, governmental laws, and regulations; (iii) competitive product and pricing activity; (iv) difficulties of managing growth profitably; (v) claims development and the adequacy of our liability for unpaid loss and loss adjustment expenses; (vi) severity of natural disasters and other catastrophe losses; (vii) adequacy of reinsurance coverage which may be obtained by the Company; (viii) ability and willingness of our reinsurers to pay; and (ix) future terrorist attacks.

Philadelphia Insurance Companies, rated “A+” (Superior) by A.M. Best Company, is a specialty niche Company which markets and underwrites property and casualty insurance products through 36 proprietary underwriting offices across the U.S. of A. For more information about our Company or to review our 2002 annual report, visit our web site at www.phly.com.

Page 3
Press Release
October 23, 2003

PHILADELPHIA CONSOLIDATED HOLDING CORP. AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS
(IN THOUSANDS, EXCEPT SHARE DATA)

				As of
				September 30,			December 31,
				2003			2002
				(Unaudited)
ASSETS
INVESTMENTS:
	FIXED MATURITIES AVAILABLE FOR SALE AT MARKET (AMORTIZED COST $1,054,193 AND $832,701)			$	1,074,520		$	854,513
	EQUITY SECURITIES AT MARKET (COST $78,665 AND $51,257)				86,441			54,346
			TOTAL INVESTMENTS		1,160,961			908,859
	CASH AND CASH EQUIVALENTS				90,891			42,002
	ACCRUED INVESTMENT INCOME				10,512			8,571
	PREMIUMS RECEIVABLE				181,861			130,007
	PREPAID REINSURANCE PREMIUMS AND REINSURANCE RECEIVABLES				275,328			151,352
	DEFERRED INCOME TAXES				15,313			7,541
	DEFERRED ACQUISITION COSTS				54,161			61,272
	PROPERTY AND EQUIPMENT, NET				15,182			12,794
	GOODWILL				25,724			25,724
	OTHER ASSETS				8,767			10,212
			TOTAL ASSETS	$	1,838,700		$	1,358,334
		LIABILITIES AND SHAREHOLDERS’ EQUITY
POLICY LIABILITIES AND ACCRUALS:
	UNPAID LOSS AND LOSS ADJUSTMENT EXPENSES			$	593,527		$	445,548
	UNEARNED PREMIUMS				431,791			306,093
			TOTAL POLICY LIABILITIES AND ACCRUALS		1,025,318			751,641
	FUNDS HELD PAYABLE TO REINSURER				90,587			—
	LOANS PAYABLE				49,750			39,113
	PREMIUMS PAYABLE				32,489			33,553
	PAYABLE FOR SECURITY PURCHASE				46,690			6,100
	OTHER LIABILITIES				72,567			50,104
			TOTAL LIABILITIES		1,317,401			880,511
COMMITMENTS AND CONTINGENCIES
SHAREHOLDERS’ EQUITY:
	PREFERRED STOCK, $.01 PAR VALUE, 10,000,000 SHARES AUTHORIZED, NONE ISSUED AND OUTSTANDING				—			—
	COMMON STOCK, NO PAR VALUE, 100,000,000 SHARES AUTHORIZED, 21,984,492 AND 21,868,877 SHARES ISSUED AND OUTSTANDING				280,286			276,945
	NOTES RECEIVABLE FROM SHAREHOLDERS				(6,197	)		(6,407	)
	ACCUMULATED OTHER COMPREHENSIVE INCOME				18,267			16,185
	RETAINED EARNINGS				228,943			191,100
			TOTAL SHAREHOLDERS’ EQUITY		521,299			477,823
			TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$	1,838,700		$	1,358,334

Page 4
Press Release
October 23, 2003

PHILADELPHIA CONSOLIDATED HOLDING CORP. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF OPERATIONS
(IN THOUSANDS, EXCEPT SHARE AND PER SHARE DATA)
(Unaudited)

			For the Three Months						For the Nine Months
			Ended September 30,						Ended September 30,
			2003			2002			2003			2002
REVENUE:
	NET EARNED PREMIUMS		$	142,688		$	106,146		$	412,499		$	295,663
	NET INVESTMENT INCOME			9,173			9,497			28,348			27,727
	NET REALIZED INVESTMENT GAIN (LOSS)			474			199			(1,309	)		(2,935	)
	OTHER INCOME			1,988			419			3,689			435
		TOTAL REVENUE		154,323			116,261			443,227			320,890
LOSSES AND EXPENSES:
	LOSS AND LOSS ADJUSTMENT EXPENSES			100,645			114,325			328,023			252,003
	NET REINSURANCE RECOVERIES			(21,240	)		(35,976	)		(65,232	)		(59,773	)
	NET LOSS AND LOSS ADJUSTMENT EXPENSES			79,405			78,349			262,791			192,230
	ACQUISITION COSTS AND OTHER UNDERWRITING EXPENSES			41,542			32,343			120,120			91,221
	OTHER OPERATING EXPENSES			2,668			1,632			5,974			4,570
		TOTAL LOSSES AND EXPENSES		123,615			112,324			388,885			288,021
INCOME BEFORE INCOME TAXES				30,708			3,937			54,342			32,869
INCOME TAX EXPENSE (BENEFIT):
	CURRENT			10,403			2,044			25,392			14,413
	DEFERRED			(678	)		(999	)		(8,893	)		(4,066	)
		TOTAL INCOME TAX EXPENSE		9,725			1,045			16,499			10,347
		NET INCOME	$	20,983		$	2,892		$	37,843		$	22,522
PER AVERAGE SHARE DATA:
	BASIC EARNINGS PER SHARE		$	0.96		$	0.13		$	1.73		$	1.04
	DILUTED EARNINGS PER SHARE		$	0.92		$	0.13		$	1.68		$	1.01
WEIGHTED-AVERAGE COMMON SHARES OUTSTANDING				21,913,053			21,625,799			21,879,748			21,577,670
WEIGHTED-AVERAGE SHARE EQUIVALENTS OUTSTANDING				787,627			636,828			681,716			716,017
WEIGHTED-AVERAGE SHARES AND SHARE EQUIVALENTS OUTSTANDING				22,700,680			22,262,627			22,561,464			22,293,687

EX-99.2 4 w90961exv99w2.htm THIRD QUARTER 2003 CONFERENCE CALL PRESENTATION

Exhibit  99.2

Philadelphia Consolidated Holding Corp. Founded 1962

Certain information included in this presentation and other statements or materials published or to be published by the Company are not historical facts but are forward-looking statements relating to such matters as anticipated financial performance, business prospects, technological developments, new and existing products, expectations for market segment and growth, and similar matters. In connection with the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995, the Company provides the following cautionary remarks regarding important factors which, among others, could cause the Company's actual results and experience to differ materially from the anticipated results or other expectations expressed in the Company's forward-looking statements. The risks and uncertainties that may affect the operations, performance, development, results of the Company's business, and the other matters referred to above include, but are not limited to: (i) changes in the business environment in which the Company operates, including inflation and interest rates; (ii) changes in taxes, governmental laws, and regulations; (iii) competitive product and pricing activity; (iv) difficulties of managing growth profitably; (v) claims development and the adequacy of our liability for unpaid loss and loss adjustment expenses; (vi) severity of natural disasters and other catastrophe losses; (vii) adequacy of reinsurance coverage which may be obtained by the Company; (viii) ability and willingness of our reinsurers to pay; and (ix) future terrorist attacks.

AGENDA Third Quarter 2003 Financial Highlights Segment Information Operations Review 2003 Guidance Q&A

Third Quarter Highlights For the Three Months % Ended Sept. 30, Increase 2003 2002 (Decrease) Net Operating Income ........................................ $20.7 $2.8 (1) 639.3% A-T Realized Investment Gains............................... $0.3 $0.1 Net Income....................................................... $21.0 $2.9 (1) 624.1% Diluted Operating Earnings Per Share................... $0.91 $0.12 (1) A-T Realized Investment Gains Per Share................... $0.01 $0.01 Diluted Earnings Per Share.................................. $0.92 $0.13 (1) Net Loss and Loss Adjustment Expense Ratio.......... 55.7% 73.8% (1) Acquisition and Underwriting Expense Ratio.......... 29.1% 30.5% Combined Ratio 84.8% 104.3% (in millions, except per share data) (1) Includes $15.0 pretax ($9.750 after tax, or $0.44 diluted loss per share) reserve strengthening for residual value line of business.

Year-to-Date Highlights For the Nine Months % Ended Sept. 30, Increase 2003 2002 (Decrease) Net Operating Income ........................................ $38.7 $24.4 58.6% A-T Realized Investment Losses.............................. $(0.9) $(1.9) Net Income....................................................... $37.8 $22.5 68.0% Diluted Operating Earnings Per Share................... $1.72 $1.10 A-T Realized Investment Losses Per Share............. $(0.04) $(0.09) Diluted Earnings Per Share.................................. $1.68 $1.01 Net Loss and Loss Adjustment Expense Ratio.......... 63.7% 65.0% Acquisition and Underwriting Expense Ratio.......... 29.1% 30.9% Combined Ratio 92.8% 95.9% (in millions, except per share data)

Third Quarter Highlights As of September 30, December 31, 2003 2002 Total Shareholders' Equity .......................... $521.3 $477.8 Book Value per Share.................................. $23.71 $21.85 Shares Outstanding.................................... 21,984,492 21,868,877 (in millions, except share and per share data)

3rd Quarter 2003 Gross Written Premiums by Segment For the Three Months Ended Sept. 30 , % 2003 2002 Increase Segment Commercial Lines ............................. $231.1 $161.2 43.4% Specialty Lines.................................. 35.1 30.1 16.6% Personal Lines.................................... 20.2 19.2 5.2% Total.............................................. $286.4 $210.5 36.1% (in millions)

Commercial Lines Segment 80.7% of Third Quarter 2003 GWP 75% 3 to 5 year growth potential Gross Written Premiums 1997 1998 1999 2000 2001 2002 YTD 9/30/03 Commercial Auto 78.3 85.7 89.4 81.6 85 71.7 53.2 Commercial Package 60 79.1 90 136.6 207.8 365.5 419.5 Specialty Property 1.1 21.6 21.3 23.2 36.7 40.2 $138.3 $165.9 $201.0 $239.5 $316.0 3 Year CAGR 19.3% 5 Year CAGR 43.5% 5 Year CAGR - -1.7% (in millions) $512.9 $473.9

Specialty Lines Segment 1997 1998 1999 2000 2001 2002 YTD 9/30/03 20.8 30.4 48.5 68.2 79.3 109.3 106.8 12.3% of Third Quarter 2003 GWP 75% 3 to 5 year growth potential CAGR 1997-2002 = 39.4% Gross Written Premiums (Professional Liability) (in millions)

Gross Written Premiums 1999 2000 2001 2002 YTD 9/30/03 Manufactured Housing 17.3 37.2 40.2 38.4 41.3 Flood 5.3 10 13.4 15.9 15.2 Homeowners 2.8 7 24.7 26.2 14.4 $54.2 $78.3 7.0% of Third Quarter 2003 GWP 20% 3 to 5 year growth potential Personal Lines $25.4 2 year CAGR 110.7% 2 year CAGR 44.2% 3 year CAGR 30.4% (in millions) $80.5 $70.9

Gov't. 0.8 Corp. Bonds 14.5 MBS/CMO 5.1 Common Stock 5.6 All Other 1.6 Cash Equivalents 7.2 Municipal Bonds 36.9 Asset Backed Securities 28.3 High Quality Investment Portfolio Corporate Bonds Common Stock Cash Equivalents Municipal Bonds As of September 30, 2003 Portfolio market value - $1,249.1mm Fixed income securities Average lowest rating AA+ Portfolio duration 4.0 years 5.0% taxable equivalent yield Quality long-term growth stocks 28.3% 14.5% 36.9% 7.2% All Other 1.6% 5.1% MBS/CMO 5.6% Asset Backed Securities Government Bonds 0.8%

Quarterly Operations Review Operating Statistics Renewal Retention (Quoted) Commercial Lines - 95.7% Specialty Lines - 94.4% Price Increases Commercial Lines - 4% Specialty Lines - 7% Quarter to Quarter New Business Growth (Count) 3Q: 02 - 6,211 3Q: 03 - 7,394 19%

Quarterly Operations Review Firstar Litigation Discovery Continuing Trial Date - February 2004

2003 Guidance Operating EPS - $2.60 - $2.75 Moderating Price Increases Unchanged Investment Environment Combined Ratio in the High 80s

Philadelphia Consolidated Holding Corp. Founded 1962

EX-99.1

exv99w1

EX-99.2

exv99w2

EX-99.3

Exhibit 99.3

PHILADELPHIA CONSOLIDATED HOLDING CORP. AND SUBSIDIARIES
SUMMARY SEGMENT TOTALS
FOR THE THREE MONTHS ENDED SEPTEMBER 30, 2003 AND 2002
(IN THOUSANDS)

	09/30/03		09/30/02		2003 VS. 2002			09/30/03		09/30/02		2003 VS. 2002
	GROSS		GROSS		%			GROSS		GROSS		%
	WRITTEN		WRITTEN		INCREASE			EARNED		EARNED		INCREASE
	PREMIUMS		PREMIUMS		<DECREASE>			PREMIUMS		PREMIUMS		<DECREASE>
COMMERCIAL LINES		231,169		161,139		43.5	%		157,153		105,702		48.7	%
SPECIALTY LINES		35,071		30,103		16.5	%		33,223		24,054		38.1	%
PERSONAL LINES		20,186		19,232		5.0	%		21,359		19,502		9.5	%
TOTAL		286,426		210,474		36.1	%		211,735		149,258		41.9	%

	09/30/03		09/30/02		2003 VS. 2002			09/30/03		09/30/02		2003 VS. 2002
	NET		NET		%			NET		NET		%
	WRITTEN		WRITTEN		INCREASE			EARNED		EARNED		INCREASE
	PREMIUMS		PREMIUMS		<DECREASE>			PREMIUMS		PREMIUMS		<DECREASE>
COMMERCIAL LINES		164,673		126,595		30.1	%		110,603		77,050		43.5	%
SPECIALTY LINES		25,489		28,137		-9.4	%		24,142		21,748		11.0	%
PERSONAL LINES		6,215		6,501		-4.4	%		7,943		7,347		8.1	%
TOTAL		196,377		161,233		21.8	%		142,688		106,145		34.4	%

EX-99.4 6 w90961exv99w4.htm NINE MONTHS 2003 PREMIUMS BY SEGMENT

Exhibit 99.4

PHILADELPHIA CONSOLIDATED HOLDING CORP. AND SUBSIDIARIES
SUMMARY SEGMENT TOTALS
FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2003 AND 2002
(IN THOUSANDS)

	09/30/03		09/30/02		2003 VS. 2002			09/30/03		09/30/02		2003 VS. 2002
	GROSS		GROSS		%			GROSS		GROSS		%
	WRITTEN		WRITTEN		INCREASE			EARNED		EARNED		INCREASE
	PREMIUMS		PREMIUMS		<DECREASE>			PREMIUMS		PREMIUMS		<DECREASE>
COMMERCIAL LINES		512,871		360,169		42.4	%		405,055		274,992		47.3	%
SPECIALTY LINES		106,818		82,427		29.6	%		96,485		67,374		43.2	%
PERSONAL LINES		70,926		65,125		8.9	%		63,377		57,345		10.5	%
TOTAL		690,615		507,721		36.0	%		564,917		399,711		41.3	%

	09/30/03		09/30/02		2003 VS. 2002			09/30/03		09/30/02		2003 VS. 2002
	NET		NET		%			NET		NET		%
	WRITTEN		WRITTEN		INCREASE			EARNED		EARNED		INCREASE
	PREMIUMS		PREMIUMS		<DECREASE>			PREMIUMS		PREMIUMS		<DECREASE>
COMMERCIAL LINES		349,117		287,797		21.3	%		309,829		208,396		48.7	%
SPECIALTY LINES		72,628		76,625		-5.2	%		76,477		61,157		25.1	%
PERSONAL LINES		24,484		31,670		-22.7	%		26,193		26,110		0.3	%
TOTAL		446,229		396,092		12.7	%		412,499		295,663		39.5	%

EX-99.5 7 w90961exv99w5.htm THIRD QUARTER 2003 ADDITIONAL SUPPLEMENTAL INFO.

Exhibit 99.5

PHILADELPHIA CONSOLIDATED HOLDING CORP. AND SUBSIDIARIES
ADDITIONAL SUPPLEMENTAL INFORMATION
FOR THE NINE AND THREE MONTHS ENDED SEPTEMBER 30, 2003 AND 2002
(IN THOUSANDS)

NET LOSS AND LOSS ADJUSTMENT EXPENSES:

	Three Months Ended				Nine Months Ended
	September 30,				September 30,
PRODUCTS	2003		2002		2003		2002
COMMERCIAL LINES	$	61,277	$	66,457	$	202,357	$	147,723
SPECIALTY LINES		13,948	$	7,398		45,941		30,551
PERSONAL LINES		4,180	$	4,494		14,493		13,956
TOTAL NET LOSS AND LOSS ADJUSTMENT EXPENSES	$	79,405	$	78,349	$	262,791	$	192,230

Net Loss & Lae Reserves @ September 30, 2003	$	474,028
Taxable Equivalent Yield @ September 30, 2003		5.0	%
Portfolio Duration @ September 30, 2003	4.0 yrs
Book Value Per Common Share @ September 30, 2003	$	23.71
Shares Repurchased During the Three Months Ended September 30, 2003		0

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EX-99.4

exv99w4

EX-99.5

exv99w5