Member Diversification

PURE’s book of business continues to diversify year after year. Diversified growth enables PURE to improve efficiency and reduce the severity of any one catastrophic event.

We continue to maintain steady growth across all regions, with both California and the Western States growing their direct written premium at the fastest pace.


PURE’s products are designed specifically to meet the needs of successful individuals and families. Members who bundle their policies can have fewer coverage gaps, benefit from generous discounts (where available) and enjoy the ease and convenience of a single billing statement.1

Expanded Watercraft Offering


The 2017 hurricane season has had a profound impact on the landscape of today’s watercraft insurance market. Hurricanes Harvey, Irma and Maria caused record watercraft losses, forcing some insurance carriers to stop providing coverage—canceling all their policies—and others to increase prices, reduce coverage or limit the number of boats they insure. The consequences are being felt by consumers today and will be for the next few years.

PURE has consistently taken a responsible approach to underwriting watercraft in catastrophe prone areas. With a thoughtful catastrophe plan that can be executed ahead of a storm making landfall, boat owners can significantly reduce the risk of loss—and these are the boat owners we insure. This approach has kept our loss experience within expectations and has allowed us to continue to serve our responsible membership.

We insure a very broad range of watercraft, including sailboats, powerboats and classics. This enables PURE members who own a boat, or multiple boats, to insure them all under a single PURE Watercraft policy. More recently, we have developed products and services for the owners of luxury yachts, with full-time captain and crew, and are excited to be serving more and more of these owners.

There is an important advantage to having your Watercraft insurance with the same insurer as your Personal Excess Liability insurance. If you are involved in a boating accident and another party is injured, your claims professional will, from the outset, understand the full limits of liability insurance available to you and initiate the appropriate defense and investigation. This should reduce the chances that a serious accident leads to a judgment or settlement that exceeds the limits of insurance available.


1 Not currently available for primary flood.