2016  Report to Members

  • Leadership
  • Member Stories
  • Experience
  • Inside PURE
  • Financials

Letter from the CEO

"For the tenth year, I have the privilege of sharing with you the most recent year’s activities and results of your insurance company."

Read the Letter

Letter from the SAC Chairman

James McLaughlin recaps the SAC's activities in 2016 and his vision for 2017.

Read the Letter

The PURE Group and Its Affiliates

Collectively, the companies that make up the PURE Group provide the PURE membership with excellent financial strength and capital flexibility and a strong sense of alignment of interests.

Learn About Our Structure

Responding to Hurricane Matthew

Less than three years after the Dillaways purchased their Georgia Plantation-style home on Hilton Head Island, it stood directly in the path of Hurricane Matthew.

Learn About Our Hurricane Response

Value Is In The Eye of the Beholder

Beth Zuckerman's jewelry collection was worth so much more to her than dollars and cents.

Read Beth's Story

The Damaging Effects of Hail

The Masuellis had just purchased their dream home when a significant hailstorm damaged their current home's roof.

Read Their Story

PURE Member Advocates®

They are the cornerstone of our exceptional claims experience, providing support before, during and after a claim.

Learn About our Member Advocates

Responding with Empathy and Urgency

Automobile accidents are often traumatic for those involved, regardless of whether there are injuries. At PURE, every member and every claim deserve the greatest amount of attention our team can provide.

Read Real Claim Stories

Membercentricity in Action

Your membership is more than a transaction; it’s a relationship to which we are deeply committed.

Explore the Member Experience

Broker Spotlight: KIG Insurance

Located just outside of Detroit, Michigan, KIG fits the definition of “partner” perfectly.

Meet the Agency

The Value of Independent Brokers

Through these meaningful partnerships, we can serve our members better.

Read About Our Network

Community Initiatives

A look at some of the exciting partnerships we furthered and organizations we support.

Learn How We Give Back


We are proud to highlight some of the many awards and recognitions we're honored to have earned throughout the year.


Policies & Premiums

Gross Written Premiums • Membership Growth, Retention and Diversification • Subscriber Savings Accounts • Fifth Renewal Benefit


Claims & Expenses

Claims Activity • Combined Ratios • Subrogation Efforts • Loss Prevention Benefit • Net Promoter Score


Capital Management

Assets • Surplus Contributions • Statutory Surplus • Net Written Premium to Surplus Ratio



Reinsurance plays an important role in the financial strength and claims-paying ability of the PURE Group.

Learn About Reinsurance

Balance Sheet & Investments

Balance Sheets • Investment Mix • Total Cash & Invested Assets


Officers & Office Locations

PURE employs nearly 500 exceptionally talented individuals and has ten office locations across the U.S.

Meet Our Team