Verdict Risk Alliance
Our Divisions

Three Divisions. One Framework.

Every Rainshade division starts from one principle: liability severity deserves a broader, more structured approach than traditional excess placement provides. The VRA Framework puts that principle to work across four areas: Risk Clarity, Severity Intelligence, Incident Preparedness, and Litigation Awareness. It shapes how we evaluate risk, engage brokers, and partner with carriers on every account, whether placed through a program, individually through Specialty Brokerage, or around a broker’s book through Custom Builds.

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.

Programs
Rainshade Programs
Umbrella and excess liability for hotels, multifamily housing, and commercial real estate, designed for placement through the Verdict Risk Alliance Purchasing Group, now in development. Built on defined underwriting standards and full integration with the Verdict Risk Alliance.
  • High limit umbrella tower
  • Broad form coverage
  • Collective purchasing power
  • Defined underwriting standards
  • Full Alliance integration
  • Planned premium credits
Explore Programs →
Specialty Brokerage
Rainshade Specialty Brokerage
Open market umbrella and excess placements for risks that need bespoke underwriting or non-standard structures. The same severity-focused discipline behind Rainshade Programs, applied one risk at a time.
  • Program-quality submissions
  • Severity-focused underwriting
  • Faster underwriting engagement
  • Flexible placement structures
  • Custom rate and coverage options
  • Verdict Risk Alliance access
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Custom Builds
Rainshade Custom Builds
Dedicated umbrella and excess programs built around your book of hotel, multifamily, or real estate business. We review and design around your full book now. Placement through the Verdict Risk Alliance Purchasing Group begins at program launch. The result is a program your competitors cannot offer.
  • Full-book underwriting and pricing
  • Group leverage for your clients
  • Enhanced broker compensation
  • Co-branded or private label options
  • Access to Alliance tools and severity data
  • No-cost book severity review
Explore Custom Builds →