Verdict Risk Alliance
Rainshade Custom Builds

Your Book. Your Program.

Rainshade Custom Builds turns your block of hotel, multifamily housing, or commercial real estate accounts into a dedicated umbrella and excess program. We review and design around your full book now. Placement through the Verdict Risk Alliance Purchasing Group begins at program launch, giving you a program your competitors cannot offer.

The Verdict Risk Alliance Purchasing Group program is in development and not yet available. Coverage will be subject to carrier approval and applicable state requirements.

Request a Book Review → How a Build Works

“You bring the book and the client relationships. Rainshade brings underwriting, the purchasing group structure, and the Verdict Risk Alliance. The result is a program built for your clients.”

Who It’s For

Built for Brokers with a Book

Custom Builds fits you if:

  • You place umbrella or excess for a group of hotels, apartments, or commercial real estate owners.
  • You write each account one at a time and want a single home for the book.
  • You place the book through a program that no longer serves your clients.
  • You want to grow in these segments with a product you control.
Minimum book size: Custom Builds requires an umbrella and excess book of at least $1 million in total annual premium.
What You Get

A Program Your Competitors Cannot Offer

Group Leverage
Your clients will be placed together in the purchasing group. A combined book is designed to carry more weight with carriers than any single account.
Full-Book Underwriting
We review every account in your book at once. You get one pricing conversation instead of dozens.
Higher Limits
Rainshade’s tower is designed to reach limits most individual placements cannot access.
Enhanced Compensation
Compensation scales with the size and performance of your book.
Your Brand
Market the program under your own name, or co-branded with the Verdict Risk Alliance.
Alliance Resources
Your clients get access to severity data, incident protocols, and education resources. You get a renewal conversation that goes beyond rate.
How a Build Works

Five Steps from Book to Program

01
Book Review
Send us your schedule. We return a county-level severity view of your book under NDA, at no cost.
02
Program Design
We set eligibility, limits, attachment points, and terms around the accounts you write.
03
Full-Book Pricing
We underwrite each account and model pricing for the entire book.
04
Renewal Migration
Once the program launches, accounts move into your program at each renewal date. You get a migration calendar for the full year.
05
Ongoing Review
We meet each quarter to review your book’s performance, severity trends, and growth.
What We Need from You

Start with Your Schedule

  • Schedule of accounts with locations and expiration dates
  • Five years of loss runs for each account
  • Underlying policy schedules and limits
  • Current umbrella or excess terms
  • Your growth goals for the segment
Branding Options

Your Name on the Program

Co-Branded
Your program, presented with the Verdict Risk Alliance.
Private Label
Your program name only.

Under either option, required policy documents identify the purchasing group and the issuing carrier.

Questions Brokers Ask

Custom Builds FAQ

Do you write every account in my book?
We underwrite every account. Each one must meet program eligibility.
Do my accounts have to move at once?
No. Each account moves at its own renewal date.
Do I keep my clients?
Yes. You remain the broker of record on every account.
Which accounts qualify?
Hotels, multifamily housing, and commercial real estate accounts that meet program eligibility.
Is there a minimum book size?
Yes. Your umbrella and excess book must total at least $1 million in annual premium.
Who will provide the capacity?
Capacity will come from carriers rated A- or better by AM Best, Financial Size Category VII or larger.
How is compensation set?
Compensation reflects book size and performance. We set terms in a written partner agreement.
Start with Your Book

Send us your schedule. We’ll show you where your book’s severity exposure sits, and what a program built for it looks like.

Request a Book Review → For Brokers