Program Administrator · Specialty Excess & Umbrella

Excess Liability Programs Built for the Business Segments That Demand Them Most

Rainshade Specialty is a program administrator organized around a single discipline — high-limit excess and umbrella liability for commercial real estate, habitational, hospitality, and gaming risks.

The Market Case
135
Nuclear verdicts in 2024 — up 52% year over year
$31B+
In nuclear verdict awards in 2024 — up 116%
$200M
Available limits through the Alliance program
4
Business Segments. One line of coverage. Total focus.
The Market Case

These Business Segments Have a Verdict Risk Problem That Standard Programs Don’t Solve

Commercial real estate, habitational communities, hotels, and gaming operations are among the most frequently targeted defendants in today’s elevated litigation environment. Nuclear verdicts have accelerated. Third-party litigation funding has transformed marginal claims into high-stakes litigation events. And the excess and umbrella market serving these business segments has not kept pace.

Rainshade was organized to address this gap directly. We write one thing — excess and umbrella liability — and we write it better than generalists can, because it is the only thing we do.

How We Work

Three Divisions. One Focus.

01
Program Design & Development
We design, file, and administer proprietary excess and umbrella programs for our target business segments. Our current flagship — the Social Inflation Risk Alliance — is a federally authorized purchasing group under the LRRA 1986. Program design is our core competency.
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02
Specialty Wholesale Brokerage
Not every risk fits a standard program. Our Specialty Wholesale Brokerage division places excess and umbrella business that falls outside standard program parameters. Same business segments. Same expertise. Custom placement.
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03
The Social Inflation Risk Alliance
Our flagship program — a broad-form monoline excess and umbrella liability purchasing group for commercial real estate, habitational, hospitality, and gaming risks. Coverage plus a five-pillar intelligence platform.
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Our Philosophy

Three Words That Define How We Work

Specialized
One Line. Four Business Segments.
We operate in four business segments and one line of coverage. That focus gives our underwriters a depth of segment knowledge — venue dynamics, claim patterns, legal environment — that multi-line generalists simply cannot replicate.
Responsive
Specialists Answer the Phone.
Because our team works exclusively in excess and umbrella for our four business segments, we can respond to submissions, underwriting questions, and coverage needs without escalation through generalist channels.
Flexible
Three Ways to Work With Us.
Our three-division structure — proprietary programs, specialty wholesale placement, and program development — gives us the flexibility to serve the full range of a broker’s segment book.
Founded by an Industry Veteran
Eric Arthur
Founder & CEO, Rainshade Specialty — Co-Founder, Fulcrum Insurance Programs & AGPOM
Three decades of specialty program administration — founding, building, and exiting programs in the same business segments Rainshade serves today. Fulcrum Insurance Programs. AGPOM. Distinguished Programs. The track record behind Rainshade is not theoretical. It is operational.
Full Profile
Ready to Explore a Partnership?

Rainshade is actively building carrier capacity and broker distribution relationships.

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