PURE Programs FAQs

PURE Programs FAQs

FAQ for Customers
FAQ for Brokers
FAQ for Customers

Billing

What are my payment options?

Unless specifically stated otherwise, all PURE Programs insurance policies are enrolled in a quarterly payment plan with the option to pay in full at any time. The minimum amount due and the remaining balance on your account will both be clearly displayed on your quarterly statement. At this time, your policy can only be paid via personal check. We do not accept credit cards or other payment methods.

When is payment due?

Payments are due 20 days from the statement date. The due date will be indicated below the balance due displayed on your invoice. Statements marked as "overdue" are due immediately.

How should I submit my payment?

We request that you mail a personal check payable to PURE Programs, LLC to our billing facility at the appropriate address below. Please attach the payment coupon located at the bottom of your PURE billing statement and include your policy number on the check.

For payments to Indian Harbor Insurance Company:

PURE Programs, Lockbox #5965, PO BOX 95000, Philadelphia, PA 19195-0001

For payments to National Fire & Marine Insurance Company:

PURE Programs, Lockbox #1312, PO BOX 95000, Philadelphia, PA 19195-0001

For payments via overnight mail:

Attn: Accounting, PURE Insurance, 44 S Broadway, Suite 301, White Plains, NY 10601

What are my bill delivery options?

All PURE Programs policies will be invoiced via paper mail. You can change your billing address at any time, but the invoice will always be mailed.

When will I receive my billing statement?

When you first become insured through PURE Programs, your initial invoice will be mailed within two weeks. All following statements will be mailed on or around the 10th of the month in which premium is due. If your account is paid in full, you will not receive a statement until your renewal, unless there is new activity on your policy.

Why is my first quarterly installment larger than future installments?

The first installment includes 25% of the annual premium as well as the full amount of the inspection fee (if applicable) and any other required state taxes or fees. The remaining installments will represent only 25% of the annual premium.

Can I have my mortgage company billed for my Homeowners policy?

Yes. If PURE Programs is advised that your mortgage company is your policy’s payer, we will bill your mortgage company directly. The Homeowners policy that is billed to your mortgage company will not appear on your account billing statement, nor will you receive a copy of the mortgagee bill.

My statement indicates that my account is "overdue." Is my policy going to be cancelled?

Overdue notices are sent if the amount due for a given month is not paid by the next statement date. If payment is not received once you have received an overdue notice, your policy will be in danger of cancellation. Please note that explicit notice will be given before any cancellation takes effect.

Can I consolidate payment between my PURE Insurance and PURE Programs policies?

No. Your PURE Insurance and PURE Programs policies must be paid separately, as we cannot apply cash or credit between PURE Insurance and PURE Programs policies. If you send your PURE Programs premium to PURE Insurance, or vice versa, a refund of the excess premium will be issued, and a revised payment will be required.

How can I speak to someone about my statement?

Please feel free to contact Member Services at 888.813.7873 during regular business hours (Monday through Friday between 7:00 AM and 9:00 PM ET, and Saturday between 8:00 AM and 8:00 PM ET). You may also email service@pureprograms.com, and we will respond to your inquiry in a timely manner.

I received a bill in the mail after I sent my payment. Is any further action required of me?

It is possible that your payment was processed after we sent the bills in that particular month. If you would like to verify that your payment was received, please call Member Services at 888.813.7873.

Claims

Who do I call if I have a claim outside of normal business hours?

PURE claims service support is available 24 hours a day, seven days a week at 888.813.7873. Outside of regular business hours (Monday through Friday between 8:30 AM and 6:00 PM ET), customers reporting a claim will reach an external service specializing in receiving first notices of losses. Emergency situations will be referred to PURE claims adjusters.

I've just filed my claim. Now what can I expect?

After discussing with you the nature of your claim, your licensed adjuster will make arrangements to view damages to your property and address your loss. You can expect one-on-one service and consistent communication throughout this process.

There were significant damages to my property, and I'd like help repairing them. Can PURE Programs help me find and make arrangements with the right contractors and service providers?

Yes, a PURE Member Advocate® can assist you. PURE Programs may provide a personal advocate to customers following a claim to help assist with the administrative hassles associated with a loss. Your Member Advocate will be happy to provide recommendations regarding highly qualified professionals and repair or replacement options for damaged property. Your Member Advocate is also there to help arrange temporary living accommodations when your home is inaccessible. Contact a Member Advocate at memberadvocate@pureinsurance.com or by phone at 888.813.7873.

I want to work with a PURE Member Advocate® to repair my property, but I already have a service provider that I'd like to use. Can a Member Advocate still help me coordinate appointments and schedule service?

PURE Member Advocates® are happy to work with our customers' preferred providers. Simply let us know that there is a contractor or professional that you like, and we'll get in touch with them to facilitate service for you. We're always looking to grow our list of preferred service providers, and we appreciate our customers' input. Contact our Member Advocates at memberadvocate@pureinsurance.com or by phone at 888.813.7873.

FAQ for Brokers

Broker Appointment

Can I work with PURE Programs without a PURE appointment?

Brokers working with PURE Programs must be appointed with PURE Insurance or PURE Connect.

How do I get an appointment with PURE Programs?

Please fill in our broker appointment application to apply for an appointment with PURE Programs. A Business Development Manager will contact you about the status of your application.

Do I need to be a licensed E&S broker to work with PURE Programs?

No, PURE Programs is a Managing General Underwriter and holds the appropriate surplus lines licenses. Brokers need to be licensed in the states where their client's policy is written to provide the appropriate diligent effort requirements.

Commission

When is commission paid?

PURE Programs pays commission on the 15th of the month. PURE Programs commission statements and payments are separate from PURE.

Does my PURE Programs production count toward my Profitable Growth Reward with PURE?

No, PURE Programs is a separate entity. Production with PURE Programs does not count toward the PURE PGR.

Writing Companies

What are the writing company NAIC numbers?

Indian Harbor: 36940

National Fire & Marine: 20079

What is the AM Best rating of our writing companies?

PURE Programs works only with carriers rated A or better by AM Best.

Quoting

How do I quote with PURE Programs?

Brokers can quote themselves through PURE Online, or brokers can send quotes to our team at quotes@pureprograms.com.

Can I offer a PURE Programs quote if my client has a PURE admitted option?

No, PURE Programs will not offer terms if PURE admitted is offering a quote.

Who do I contact with download inquiries?

You can contact download@pureinsurance.com with questions about download.

FAQ for Customers
FAQ for Brokers
FAQ for Customers

Billing

What are my payment options?

Unless specifically stated otherwise, all PURE Programs insurance policies are enrolled in a quarterly payment plan with the option to pay in full at any time. The minimum amount due and the remaining balance on your account will both be clearly displayed on your quarterly statement. At this time, your policy can only be paid via personal check. We do not accept credit cards or other payment methods.

When is payment due?

Payments are due 20 days from the statement date. The due date will be indicated below the balance due displayed on your invoice. Statements marked as "overdue" are due immediately.

How should I submit my payment?

We request that you mail a personal check payable to PURE Programs, LLC to our billing facility at the appropriate address below. Please attach the payment coupon located at the bottom of your PURE billing statement and include your policy number on the check.

For payments to Indian Harbor Insurance Company:

PURE Programs, Lockbox #5965, PO BOX 95000, Philadelphia, PA 19195-0001

For payments to National Fire & Marine Insurance Company:

PURE Programs, Lockbox #1312, PO BOX 95000, Philadelphia, PA 19195-0001

For payments via overnight mail:

Attn: Accounting, PURE Insurance, 44 S Broadway, Suite 301, White Plains, NY 10601

What are my bill delivery options?

All PURE Programs policies will be invoiced via paper mail. You can change your billing address at any time, but the invoice will always be mailed.

When will I receive my billing statement?

When you first become insured through PURE Programs, your initial invoice will be mailed within two weeks. All following statements will be mailed on or around the 10th of the month in which premium is due. If your account is paid in full, you will not receive a statement until your renewal, unless there is new activity on your policy.

Why is my first quarterly installment larger than future installments?

The first installment includes 25% of the annual premium as well as the full amount of the inspection fee (if applicable) and any other required state taxes or fees. The remaining installments will represent only 25% of the annual premium.

Can I have my mortgage company billed for my Homeowners policy?

Yes. If PURE Programs is advised that your mortgage company is your policy’s payer, we will bill your mortgage company directly. The Homeowners policy that is billed to your mortgage company will not appear on your account billing statement, nor will you receive a copy of the mortgagee bill.

My statement indicates that my account is "overdue." Is my policy going to be cancelled?

Overdue notices are sent if the amount due for a given month is not paid by the next statement date. If payment is not received once you have received an overdue notice, your policy will be in danger of cancellation. Please note that explicit notice will be given before any cancellation takes effect.

Can I consolidate payment between my PURE Insurance and PURE Programs policies?

No. Your PURE Insurance and PURE Programs policies must be paid separately, as we cannot apply cash or credit between PURE Insurance and PURE Programs policies. If you send your PURE Programs premium to PURE Insurance, or vice versa, a refund of the excess premium will be issued, and a revised payment will be required.

How can I speak to someone about my statement?

Please feel free to contact Member Services at 888.813.7873 during regular business hours (Monday through Friday between 7:00 AM and 9:00 PM ET, and Saturday between 8:00 AM and 8:00 PM ET). You may also email service@pureprograms.com, and we will respond to your inquiry in a timely manner.

I received a bill in the mail after I sent my payment. Is any further action required of me?

It is possible that your payment was processed after we sent the bills in that particular month. If you would like to verify that your payment was received, please call Member Services at 888.813.7873.

Claims

Who do I call if I have a claim outside of normal business hours?

PURE claims service support is available 24 hours a day, seven days a week at 888.813.7873. Outside of regular business hours (Monday through Friday between 8:30 AM and 6:00 PM ET), customers reporting a claim will reach an external service specializing in receiving first notices of losses. Emergency situations will be referred to PURE claims adjusters.

I've just filed my claim. Now what can I expect?

After discussing with you the nature of your claim, your licensed adjuster will make arrangements to view damages to your property and address your loss. You can expect one-on-one service and consistent communication throughout this process.

There were significant damages to my property, and I'd like help repairing them. Can PURE Programs help me find and make arrangements with the right contractors and service providers?

Yes, a PURE Member Advocate® can assist you. PURE Programs may provide a personal advocate to customers following a claim to help assist with the administrative hassles associated with a loss. Your Member Advocate will be happy to provide recommendations regarding highly qualified professionals and repair or replacement options for damaged property. Your Member Advocate is also there to help arrange temporary living accommodations when your home is inaccessible. Contact a Member Advocate at memberadvocate@pureinsurance.com or by phone at 888.813.7873.

I want to work with a PURE Member Advocate® to repair my property, but I already have a service provider that I'd like to use. Can a Member Advocate still help me coordinate appointments and schedule service?

PURE Member Advocates® are happy to work with our customers' preferred providers. Simply let us know that there is a contractor or professional that you like, and we'll get in touch with them to facilitate service for you. We're always looking to grow our list of preferred service providers, and we appreciate our customers' input. Contact our Member Advocates at memberadvocate@pureinsurance.com or by phone at 888.813.7873.

FAQ for Brokers

Broker Appointment

Can I work with PURE Programs without a PURE appointment?

Brokers working with PURE Programs must be appointed with PURE Insurance or PURE Connect.

How do I get an appointment with PURE Programs?

Please fill in our broker appointment application to apply for an appointment with PURE Programs. A Business Development Manager will contact you about the status of your application.

Do I need to be a licensed E&S broker to work with PURE Programs?

No, PURE Programs is a Managing General Underwriter and holds the appropriate surplus lines licenses. Brokers need to be licensed in the states where their client's policy is written to provide the appropriate diligent effort requirements.

Commission

When is commission paid?

PURE Programs pays commission on the 15th of the month. PURE Programs commission statements and payments are separate from PURE.

Does my PURE Programs production count toward my Profitable Growth Reward with PURE?

No, PURE Programs is a separate entity. Production with PURE Programs does not count toward the PURE PGR.

Writing Companies

What are the writing company NAIC numbers?

Indian Harbor: 36940

National Fire & Marine: 20079

What is the AM Best rating of our writing companies?

PURE Programs works only with carriers rated A or better by AM Best.

Quoting

How do I quote with PURE Programs?

Brokers can quote themselves through PURE Online, or brokers can send quotes to our team at quotes@pureprograms.com.

Can I offer a PURE Programs quote if my client has a PURE admitted option?

No, PURE Programs will not offer terms if PURE admitted is offering a quote.

Who do I contact with download inquiries?

You can contact download@pureinsurance.com with questions about download.