Programs

One Line. Four Business Segments.
Three Ways to Access.

Rainshade writes excess and umbrella liability. That monoline discipline is deliberate — and it is the foundation of everything we offer.

Why Monoline Only

The Case for Monoline Specialization

Program administrators who write multiple lines face an inherent tension: underwriting resources are spread across lines, and the operational complexity of multi-line administration often comes at the expense of depth in any single area. Rainshade made a different choice. By concentrating exclusively on excess and umbrella liability, we develop the segment and coverage knowledge that allows us to underwrite confidently and respond quickly.

Why These Business Segments

Four Business Segments. Three Decades of Roots.

Commercial real estate, habitational, hospitality, and gaming are the business segments where Rainshade’s founder has spent three decades — where Fulcrum was built, where AGPOM was organized, where Distinguished’s programs were administered at scale. These are the business segments we know better than anyone in the program administration market.

The Social Inflation Risk Alliance
Flagship Program
Federally Authorized RPG · LRRA 1986 · Monoline Excess & Umbrella
Our flagship purchasing group program — broad-form monoline excess and umbrella liability for commercial real estate, habitational, hospitality, and gaming risks. Coverage attaches at $1 million with limits available up to $200 million, alongside a five-pillar intelligence and preparedness platform.
Specialty Wholesale Brokerage
Bespoke Placement
Same Segments · Same Expertise · Individual Placement
For risks in our four business segments that fall outside standard program parameters — complex schedules, unusual occupancy, challenging loss history, high-limit requirements. Our Specialty Wholesale Brokerage division provides individual placement through our carrier relationships.
Contact Us
Program Design & Development
Pipeline
Carrier Partnership · New Program Development
Carrier partners interested in co-developing new programs within our four business segments are invited to reach out. Program design is Rainshade’s core competency — we have built programs before and we are building them again.
Carrier Information