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 (Privilege Underwriters Reciprocal Exchange) is a member-owned personal lines carrier focused on high-net-worth individuals and families. Publicly available material is marketing- and membership‑oriented; there is no open, detailed underwriting or producer appetite guide for workers’ compensation or flood. The following reflects what can be confirmed from official sources and general positioning, but line‑level, class‑level and territorial rules must be obtained from PURE marketing/underwriting directly. Overall appetite and membership focus - Target customers are financially strong, responsible high‑net‑worth households needing coverage for high‑value homes, autos, collections, liability, watercraft and flood. PURE emphasizes careful member selection, proactive risk management and low loss frequency as core to its operating model. - PURE operates as a reciprocal with strict eligibility and underwriting standards written into the Subscriber’s Agreement; management highlights a need to protect the pool by admitting only risks that fit its risk and behavioral profile. ([pureinsurance.com](https://www.pureinsurance.com/newsroom/pure-insurance-introduces-domestic-workers-compensation-insurance?utm_source=openai)) - Business is personal lines only; commercial risks are outside the stated focus. Workers’ Compensation (Domestic Workers’ Compensation) - PURE’s workers’ compensation offering is described publicly only as **Domestic Workers’ Compensation Insurance** for household staff (e.g., nannies, housekeepers, cooks, gardeners, drivers) serving PURE members. It is positioned as a personal‑lines enhancement rather than a traditional commercial workers’ compensation product. ([pureinsurance.com](https://www.pureinsurance.com/newsroom/pure-insurance-introduces-domestic-workers-compensation-insurance?utm_source=openai)) - Initial rollout was to Florida members with indications that other states would follow; current multi‑state footprint, rating plans and class availability are not detailed publicly and must be confirmed with PURE. - Preferred business: households already qualifying for PURE membership (typically high‑value home, auto and umbrella package), with stable, long‑term domestic staff and a willingness to engage in risk management advice around worker safety. - Likely restricted/declined exposures (inferred from high‑net‑worth personal focus, not explicitly published): commercial‑type operations, contractors or staff whose primary duties resemble higher‑hazard commercial classes (e.g., construction, heavy manual labor) that fall outside normal domestic employment; any household failing PURE’s eligibility or membership criteria. - Geographic notes: official material confirms Florida availability and intended expansion; there is no public state‑by‑state underwriting map. Treat availability and rules as state‑specific and contingent on PURE membership and regulatory approval. ([pureinsurance.com](https://www.pureinsurance.com/newsroom/pure-insurance-introduces-domestic-workers-compensation-insurance?utm_source=openai)) - Submission and broker handling: PURE distributes through a selected network of independent brokers and positions the product as an add‑on for existing members. New domestic workers’ compensation is typically packaged with personal excess liability and/or homeowners placements; expect full account information (home(s), liability, schedule of employees, duties, payroll, and any prior injuries/claims) to be required up front. Flood insurance - PURE lists **flood** among its personal insurance offerings for high‑net‑worth members, alongside high‑value homes and other personal coverages. It is treated as part of the property program for members, often aligned with large, coastal or catastrophe‑exposed homes. ([pureinsurance.com](https://www.pureinsurance.com/newsroom/pure-insurance-introduces-domestic-workers-compensation-insurance?utm_source=openai)) - Preferred business: high‑value primary and secondary residences already qualifying for PURE home coverage, with modern, well‑maintained construction and risk‑mitigation features (elevated structures, robust roof systems, adherence to modern building codes, and other IBHS/mitigation standards where applicable). A Louisiana filing referencing IBHS‑related premium discounts for PURE indicates a positive stance toward risk‑mitigated construction. ([ldi.la.gov](https://www.ldi.la.gov/docs/default-source/documents/propertycasualty/premium-discounts-for-structures-built-or-retrofitted-according-to-building-standards-established-by-the-insurance-institute-for-business-and-home-safety-%28ibhs%29-2024.pdf?sfvrsn=137d5b52_0&utm_source=openai)) - Restricted risks (inferred): extremely high‑hazard flood zones without adequate elevation/mitigation or without the broader PURE relationship; properties that otherwise fail PURE’s home eligibility (poor condition, frequent prior flood losses, inadequate maintenance). - Geographic notes: PURE indicates it provides coverage "throughout the U.S." for high‑value homes and flood, but capacity and terms are expected to vary significantly by coastal/catastrophe zone and state regulation. Not all territories or flood‑exposed regions may be available; assume careful CAT management and concentration limits. ([pureinsurance.com](https://www.pureinsurance.com/newsroom/pure-insurance-introduces-domestic-workers-compensation-insurance?utm_source=openai)) Broker/producer and submission expectations (general) - PURE writes via selected independent brokers; it emphasizes collaboration with broker partners and a high‑touch underwriting process tailored to each member. Internal roles such as Broker Services Associates exist specifically to help brokers with quoting, endorsements, renewals and expediting underwriting. ([pureinsurance.com](https://www.pureinsurance.com/careers?utm_source=openai)) - Submissions are expected to be complete and account‑oriented: carriers stress "careful member selection" and "strict eligibility" in legal documents, suggesting that partial or monoline placements that do not meet membership standards may be declined. ([pureinsurance.com](https://www.pureinsurance.com/newsroom/pure-insurance-introduces-domestic-workers-compensation-insurance?utm_source=openai)) - Underwriting uses data, risk management inspections and proactive mitigation advice as part of the value proposition; expect requests for detailed schedules, photos, valuations and mitigation information (e.g., construction, protection, occupancy for homes; duties, payroll and safety practices for domestic workers). Operational notes & caveats - There is **no public, line‑by‑line underwriting or appetite guide** or producer manual for PURE’s workers’ compensation or flood programs. Underwriters must rely on appointed‑broker materials, state filings, or direct guidance from PURE marketing/underwriting for specific class, limit, and territorial rules. - PURE’s reciprocal structure and Subscriber’s Agreement reiterate that it may decline or non‑renew when a risk no longer fits its strict eligibility and underwriting criteria, to protect the membership as a whole; this should be communicated to prospects as part of expectation‑setting on long‑term capacity. ([assets.pureinsurance.com](https://assets.pureinsurance.com/Subscribers-Agreement-2025.pdf?utm_source=openai))