Opinion Letter Re: 1,000,000 Shares of Common Stock, $0.001 par Value per Share (2003)Full Document 

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Law Offices of
Harold P. Gewerter, Esq., Ltd.
                                                        Harold P. Gewerter, Esq.
                                                          Wendy E. Miller, Esq.*
                                                    *Also admitted in California

                                 March 18, 2003


Palomar Enterprises, Inc.
7898 E. Acoma Drive, Suite 203
Scottsdale, Arizona 85260

     Re:  1,000,000 Shares of Common Stock, $0.001 par value per share

Ladies and Gentlemen:

     We have acted as special  counsel to Palomar  Enterprises,  Inc.,  a Nevada
corporation  (the  "Company"),  in connection with the  registration on Form S-8
(the "Registration  Statement") under the Securities Act of 1933, as amended, of
1,000,000 shares of the Company's common stock,  $0.001 par value, in connection
with the Independent  Contractor Agreement (the "Agreement") entered into by and
between the Company and Kelly Black.

     This opinion is being furnished in accordance with the requirements of Item
8 of Form S-8 and Item 601(b)(5)(i) of Regulation S-K.

     We are familiar with the  proceedings  to date with respect to the proposed
issuance  of the shares  contemplated  by the  Registration  Statement  and have
examined such records, documents and questions of law and satisfied ourselves as
to such matters of fact, as we have considered relevant and necessary as a basis
for this opinion letter.

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