Privilege Underwriters Reciprocal Exchange (Pure)
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
PURE’s current official broker-facing guidance located for these lines is strongest for Flood, with broader broker access managed through the PURE Broker Portal. Carrier positioning remains private-client/high-net-worth personal lines for responsible owners of well-built, high-value homes and families, with careful member and broker selection. Flood: PURE publishes broker FAQs for its admitted primary flood endorsement. Preferred placement is with existing PURE homeowners business; admitted flood is an endorsement to the Homeowner policy rather than a standalone form. The endorsement is also available on condo/co-op and tenant policies. Published limits include dwelling up to $2M and contents up to $1M, with broader features than NFIP such as ALE, certain basement improvements/contents, hardscaping, pools/spas/hot tubs, debris removal, ordinance/code, loss avoidance, and loss assessment. Additional living expense options shown are $50k/$150k/$250k. Basement subgrade coverage is available up to $250k for dwelling improvements and $100k contents; condo/co-op basement combined limit up to $100k. If higher limits are needed, PURE directs brokers to request excess flood, but notes excess flood does not add coverage for sub-limited items, ALE, basements, or other structures. Geographic note: PURE markets flood broadly for homes coast, lakeside, or inland, and member-facing flood materials state options vary by state; the 2012 launch release referenced availability across most of the U.S., but current state-by-state admitted availability is not fully published on the public site. Restrictions/declines not expressly published on the official public underwriting page; practical constraints shown include no payment for flood already in progress and possible moratorium restrictions affecting midterm additions. Submission/quoting: brokers quote admitted flood through PURE Online by adding the endorsement to an active homeowners quote or policy, or by emailing the flood team. Coverage can be added midterm, there is no waiting period stated, and PURE says the product meets the definition of private flood insurance for FHA-insured mortgages. Broker notes: questions are directed to the Territory Manager or Underwriter. The Broker Portal is the operational hub for quoting new business, member/claims info, notifications, underwriting guidelines, how-to guides, FAQs, and training webinars. For general broker service issues including endorsement requests, billing questions, and pending renewals, PURE lists Broker Services contact support on its official contact page. Workers Compensation: no current public appetite/underwriting page was found on pureinsurance.com. The only official public reference located is a legacy PURE press release for Domestic Workers’ Compensation, introduced for eligible PURE members residing in Florida and issued in conjunction with homeowners, auto, and other personal lines. The release indicates intended insureds are domestic employees supporting member households, not commercial employers, and emphasizes integrated billing/claims handling plus risk-management support. Because no current official underwriting or producer guide for Workers Comp was publicly verified, current class restrictions, additional state availability, submission criteria, and decline rules for this line are not confirmed from public official sources and likely require broker portal access or underwriter confirmation.