Exceptional E&S Specialty Insurance Solutions
Learn about challenges we've solved for high net worth clients.
PURE Programs is designed to provide an outstanding customer experience for high net worth individuals and families with non-admitted insurance needs. With outstanding customer experience in mind, we offer broader coverage, best-in-class claims, proactive risk management and convenient policy administration. PURE Programs policies are underwritten by independent insurers who are rated A or better for financial strength by A.M. Best.
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Coastal Home with Excess Flood
A coastal home located in downtown Beaufort, South Carolina, and listed on the Historical Registry, was declined by the admitted market. The home was built in the 1800s, is negatively elevated, and is used by the owner as a secondary home. PURE Programs provided a solution both for the home and excess flood coverage.
Wildfire Exposed Home
A family purchased a valuable piece of artwork for their secondary home with $8 Million TIV in Truckee, California. Their admitted carrier was unable to add coverage for this item to their existing collections policy due to the wildfire exposure. PURE Programs crafted a solution to write both the home and the artwork.
Short-Term Rental
Owners of a home in Spicewood, Texas, rent out their home with a 5 night minimum and a professional rental management company. The home was built in 2006 and has 19,000 square feet. PURE Programs was able to write a policy with $10 Million in coverage.
Course of Construction
An insured was closing the next day on a ground-up new construction in Nassau County, New York. PURE Programs turned around terms on a policy in the same day and provided a solution with waiver of subrogation within the work agreement.
Non-Standard Excess Liability
Four members of a household, including two college students, had auto incidents. The family owns multiple homes, a short-term rental property, and multiple autos. PURE Programs was able to offer $5 Million in Personal Excess Liability Coverage with $1 Million Excess Uninsured/Underinsured Motorists Coverage and Uninsured Liability Coverage, providing a more competitive option than the broker’s attempt to layer coverage.
High-Profile Excess Liability
A well-known fashion designer in California needed an excess liability solution to cover his primary home and a rental property. Due to the individual’s high profile, admitted carriers declined to write coverage. PURE Programs was able to craft a solution for these locations with $10 Million in coverage.
Major Renovation
A San Francisco, California, house built in 1923 was undergoing a full gut renovation lasting 18 months. Since there were no plans to retrofit the house during renovation, the house couldn’t be placed in the admitted market. PURE Programs was able to engineer a solution that included consultative risk management services and $6 Million in coverage.
Coastal Home
When a high value waterfront home in Westchester was non-renewed by an E&S carrier due to the negative elevation of the home, PURE programs was able to provide coverage.