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) November 15, 2002







                            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

On  November  15, the  Company,  through  its  wholly  owned  insurance  company
subsidiaries,  Penn-America  Insurance Company and Penn-Star  Insurance Company,
filed  Quarterly  Statements  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  Quarterly
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


                                   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:  November 15, 2002
BY: /s/ Garland P. Pezzuolo
                                         Garland P. Pezzuolo
                                         (Vice President, Secretary and General
                                         Counsel)