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. The first, the Verdict Risk Alliance Purchasing Group, is in development.

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

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.

The Verdict Risk Alliance Purchasing Group is a specialty monoline excess and umbrella liability program in development under the federal Liability Risk Retention Act of 1986, to be administered by Rainshade Specialty LLC. The structure is designed to give members 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 Design
  • Collective purchasing power
  • Defined underwriting standards
  • Structured member participation
  • Full Alliance integration
  • Planned premium credits by tier
Tower Design — Two Options
Option A
$100M
xs $1M — Full Tower
Primary / $1M underlying
Client’s existing coverage
Designed to place the full $100M tower above the $1M primary. Single-source placement for brokers seeking a complete excess solution.
Option B
$90M
xs $11M — Upper Tower
$10M Lead Umbrella xs $1M
Broker-placed or Rainshade-placed
Primary / $1M underlying
Client’s existing coverage
The broker places a $10M lead umbrella xs $1M, subject to minimum underlying requirements. The tower is designed to place $90M above. Where the broker does not place the lead, the tower is designed to provide the full $100M from the $1M attachment.
Member Participation Tiers

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

Discuss the Program → Visit the Alliance →
Custom Builds

Have a Book of Hotel, Multifamily, or Real Estate Accounts?

Rainshade Custom Builds turns a broker’s block of umbrella and excess business into a dedicated program inside the Verdict Risk Alliance Purchasing Group. Same underwriting standards. A program built around your clients.