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Enhancements to PURE Starling™ Fraud and Cyber Defense Coverage

With fraud and cybercrimes on the rise, PURE Starling now provides new limit options and broader coverage for members.

WHITE PLAINS, N.Y. — Aug 18, 2021 — The PURE Group of Insurance Companies (the PURE Group), which includes Privilege Underwriters Reciprocal Exchange (PURE), the policyholder-owned property and casualty insurer designed for successful individuals and families, announces today an expansion and update of its PURE Starling™ coverage for losses caused by fraud and cybercrime.

“In a time where we are seeing a continuous rise in cyber-attacks across the country, our high net worth members are at increased risk of being targeted."

Shannon Bowes, Head of Product Management at PURE


Originally launched in 2018, PURE Starling coverage helps members respond to these risks with an optional endorsement to PURE’s Homeowners policy. The enhanced PURE Starling coverage will be backed by Tokio Marine HCC and include the following:

  • New and Increased Coverage Limits: In addition to the $100,000, $250,000 and $1,000,000 limits previously offered, $500,000 and $2,000,000 limit options are now available.
  • Fraud and Cyber Crime Coverage: Members are covered for financial fraud loss directly resulting from credit card fraud, forgery or a cyber-crime event. Additionally, PURE Starling will now cover theft of cryptocurrency resulting from a cyber-attack, as the form of payment gains traction with high net worth individuals.1
  • Cyber Extortion Coverage: If a member is the target of cyber extortion—a type of online attack in which a cybercriminal demands money to prevent the damage or distribution of content or to restore access to the functionality of your device—PURE’s coverage can afford immediate access to crisis management advice to help them best respond to the threat and, in the event a payment is made, can cover the amount of the payment up to the limits of the policy.
  • Privacy and Security Claims Coverage: PURE will reimburse for damages and reasonable and necessary defense costs that a member incurs or becomes legally obligated to pay, as a result of a privacy and security claim.

The updated product is currently available in AL, AZ, CT, IL, KS, KY, MD, MI, NE, NM, OH, OR, RI, TN, UT, VA, VT and WY, with a national roll-out underway.

see the press release

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1 What qualifies as a covered loss is subject to the terms and conditions of the policy and requires a determination by a licensed claims adjuster.