What is a reciprocal exchange?

An insurance model in which individuals exchange insurance contracts and spread the risk associated with those contracts among themselves.

Who manages the Reciprocal?

A reciprocal insurance exchange is managed by an entity known as an “Attorney in Fact.” In the case of Laulima Exchange, its Attorney in Fact is the Palomar Underwriters Exchange Organization, Inc. (PUEO).

I am an agent. How can I gain access to Laulima Exchange products?

Laulima Exchange products are available through a select network of agent partners and strategic partnerships. You can request more information by filling out the form on the For Agents page.