Commercial Real Estate owners and operators, Multifamily Housing operators, Hospitality owners and operators, retail brokers with clients in target segments, and carriers or program partners interested in The Alliance model.
Become a member without an insurance transaction. Membership is priced based on your organization’s scope — see how pricing works below.
Your retail broker places coverage through Rainshade, and Alliance membership is included as a line item on the insurance proposal. Membership access — including your member portal login — is granted upon binding.
Membership is structured around the scope of what you operate — location count, square footage, and revenue — rather than a flat published rate. Members who join through insurance have membership included as a line item on their proposal; members joining directly receive a membership estimate based on the same factors.
Submit basic information and confirm your segment fit. Direct-join members receive a membership estimate and portal access. If you’re exploring insurance, your retail broker contacts Rainshade to begin an underwriting conversation. Neither path requires the other.
Members receive access to the Member Portal, the Four Pillars, Alliance Insights, and — for those who pursue it — eligibility for Insurance Solutions through their broker.
If you are interested, ask your broker to contact Rainshade Specialty directly at rainshadespecialty.com.
Do not have a broker versed in The Alliance model? The Alliance maintains a list of preferred retail brokers familiar with the platform and capabilities. Reach out directly at info@verdictriskalliance.org for a referral.
Liability severity is no longer playing by the old rules. Verdicts are larger, less predictable, and litigation funding has turned lawsuits into an asset class. That threatens more than a balance sheet — it can affect reputation, operating consistency, insurance availability, and long-term viability. Insurance is part of the answer, but not the whole answer. The Alliance exists to help members get ahead of severity risk.
The Verdict Risk Alliance is a member alliance for organizations facing high-severity liability risk. The Alliance helps members understand, prepare for, reduce, document, and insure against severity in a changing litigation environment.
The Alliance is built for Hospitality, Commercial Real Estate, and Multifamily Housing organizations, including hotels, resorts, management companies, office, retail, mixed-use, light industrial, apartments, condominiums, affordable housing, and related operators.
The Alliance addresses social inflation, nuclear verdicts, venue volatility, litigation funding, plaintiff strategy, rising defense costs, and a tightening excess casualty market.
No. The Alliance is a member resource and severity risk mitigation platform. Insurance solutions are developed separately through Rainshade Specialty, an excess casualty specialist, and placed exclusively through retail insurance brokers.
Members receive access to the Member Portal, the Four Pillars, Alliance Insights, and — where eligible — insurance solutions through Rainshade Specialty.
The Four Pillars are Venue Severity Analytics, the Litigation Learning Center, the Defensibility Toolkit, and Insurance Solutions. Together, they help members understand where severity comes from, how serious claims are built, how to strengthen their position, and where insurance protection may be available.
No. Membership is available directly, independent of any insurance purchase.
Membership is priced based on the scope of your organization, including factors such as locations, square footage, and revenue. Members joining through insurance see membership included as a line item on their proposal. Direct-join members can request a membership estimate.
Alliance insurance products are available exclusively through retail insurance brokers. Neither The Alliance nor Rainshade places coverage directly with members.
Coverage is expected to focus on broad-form excess and umbrella liability, with attachment starting at $1,000,000 above primary and limits up to $150,000,000 per occurrence.
The Alliance Group Umbrella Program is the flagship insurance solution within Rainshade Programs. It is designed as a structured Purchasing Group solution for eligible members in selected segments. Members that are more engaged, better prepared, and better documented may receive more favorable underwriting consideration, subject to carrier review and program guidelines.
Custom Individual Coverage provides a flexible path for members outside the Umbrella Program profile. These solutions are individually underwritten through Rainshade carrier partners that understand The Alliance model and value the deeper submission review created through the platform.
Organizations can join directly or through insurance. Direct-join members receive a membership estimate. Insurance-path members receive Alliance membership as a line item on their proposal, with portal access granted upon binding.