About PURE

Privilege Underwriters Reciprocal Exchange (PURE) is a policyholder-owned insurer dedicated to creating an exceptional experience for responsible high net worth individuals and families.  Our product suite includes best-in-class, customizable coverage throughout the U.S for high-value homes, automobiles, jewelry, art, personal umbrella liability, watercraft, and flood. 

PURE was founded by some of the most knowledgeable and experienced professionals in the industry. They combined experience, insight and intuitive perspective to challenge the insurance industry’s conventional thinking. They recognized that policyholder-owned companies consistently delivered the greatest value and customer satisfaction. Further, they recognized that the leading specialist companies could offer broader coverage and more personalized service.  PURE combines the best of both.

Inspired by some of the finest policyholder-owned companies in the world, PURE emphasizes alignment of interests and transparency. Our unique alignment with our membership supports our objective to charge the right price — not the highest price the market will accept.  PURE’s low cost of capital, careful member selection, and proactive risk management all contribute to highly competitive rates.  Further, we invest heavily in helping members prevent claims from occurring, and resolving them quickly, without hassle if they ever do.

As a member of The PURE Group, PURE is rated A- “Excellent” for Financial Strength by A.M. Best.  In return for a fee, PURE Risk Management, LLC acts as Attorney-in-Fact for PURE. 

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