Verdict Risk Alliance
Rainshade Programs

Structured Excess Liability Solutions Built Around a Common Framework

Rainshade Programs are designed for risks that benefit from structured participation, collective purchasing power, and full integration with the Verdict Risk Alliance Framework. Each program is built around a clearly defined underwriting philosophy and long-term carrier partnerships.

Current Program
Verdict Risk Alliance Purchasing Group
Monoline Excess & Umbrella · Commercial Real Estate · Habitational · Hospitality

The Verdict Risk Alliance Purchasing Group is a specialty monoline excess and umbrella liability program organized under the federal Liability Risk Retention Act of 1986 and administered by Rainshade Specialty LLC. The purchasing group structure provides members with access to specialty excess capacity through a collective framework — combining the placement efficiency of a program with the underwriting consistency of a dedicated facility.

Eligible Segments
  • Upscale hotels & resorts
  • Office, retail & mixed-use commercial real estate
  • Premier multifamily & residential communities
Program Benefits
  • Collective purchasing power
  • Defined underwriting standards
  • Structured member participation
  • Full VRA Framework integration
  • Premium credit eligibility by tier
Available Limits — Two Tower Options
Option A
$150M
xs $1M — Full Tower
Primary / $1M underlying
Client’s existing coverage
Rainshade places the full $150M tower above the $1M primary. Single-source placement for brokers seeking a complete excess solution.
Option B
$140M
xs $11M — Upper Tower
$10M Lead Umbrella xs $1M
Broker-placed or Rainshade-placed
Primary / $1M underlying
Client’s existing coverage
Broker places a $10M lead umbrella xs $1M (subject to minimum underlying requirements); Rainshade places $140M above. Where the broker does not place the lead, Rainshade can place the full $150M from the $1M attachment.
Member Participation Tiers

Program membership is structured across three participation tiers reflecting increasing levels of engagement with the Alliance framework. Higher engagement tiers are eligible for premium credit consideration, rewarding members who invest in severity preparedness.

Submit an Account → Visit the Alliance →
Future Programs

Additional Programs in Development

Rainshade’s program pipeline includes additional proprietary offerings across its three target business segments. Program design is a core Rainshade competency — and the Verdict Risk Alliance Purchasing Group is the first, not the last, program Rainshade will bring to market.

Carriers interested in discussing future program development opportunities are encouraged to reach out directly.

Carrier Partnerships →
Ready to Place Business?

Contact us to discuss the Verdict Risk Alliance Purchasing Group or a broker appointment.

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