How PURE Insurance Freed Up IT and Accelerated Rating Updates with Coherent Spark
Company Background
PURE Insurance is a specialty property and casualty insurer serving high-net-worth individuals and families across the United States. Known for its white-glove service and tailored risk solutions, PURE offers coverage for high-value homes, art, autos, jewelry, personal liability, and more.
As a member-owned insurer backed by Tokio Marine, PURE combines a commitment to exceptional client experience with the operational discipline of one of the world’s largest insurance groups.
Its technology strategy focuses on modernizing critical workflows to serve members more efficiently—without compromising on service or precision.
Client Challenge
PURE Insurance relied on Excel-based rating algorithms to drive underwriting decisions within their policy administration system, OneShield. But updating these algorithms was a slow, IT-dependent process.
Business users had to submit tickets and wait for manual updates to be coded into the system—creating delays, increasing operational burden, and tying up IT resources that could be better spent on strategic initiatives.
Our
Solution
A Smarter, Faster Path to Rating Updates
To reduce friction in the underwriting process, PURE Insurance partnered with Coherent for a three-month proof of concept (POC). The goal: test whether Coherent Spark could automate the transformation of Excel-based rating logic into APIs that seamlessly integrated with OneShield.
The Spark platform delivered. Business users could continue building and updating rating logic in Excel—while Spark automatically converted those workbooks into fully functional APIs. These APIs plugged directly into PURE’s existing systems, eliminating the need for manual coding or translation by IT.
The result was a simplified, scalable process that gave business teams direct control over updates and freed IT to focus on innovation rather than maintenance.
"We've had a successful implementation of Coherent Spark for our surplus lines homeowners program. The ease of uploading Excel raters, converting them to code, and connecting directly to our policy admin systems has been excellent. Overall, it's been a great experience, and we're excited to roll out additional states and products to Spark."
- Adam Stelmach, AVP, E&S Product Management, PURE Insurance
The Results
Deployed in Under 3 Months
Fast-track proof of concept demonstrated Spark’s value without disrupting existing systems.
Business Teams Own Rating Updates
Business users now make and deploy rating logic directly without waiting on IT.
IT Time Reallocated to Strategic Projects
Spark removed manual coding demands so technical teams can shift to higher-value projects.
A Long-Term Modernization Roadmap
The success of the POC validated Spark as a long-term solution for PURE to accelerate product agility and operational efficiency.