Four steps. Each has a defined role. The Alliance structures the process. Rainshade makes the underwriting decisions.
The broker submits the risk through standard channels, accompanied by the Alliance Specialty Application. The Specialty captures severity-relevant details not typically included in a standard excess submission — jurisdiction concentration, prior litigation experience, and contractual risk transfer practices.
No audit. No site visit. The application is completed by the member and submitted through the broker.
The Alliance organizes the submission into a structured profile — a Jurisdiction Profile and Severity Snapshot that present the exposure in a consistent, underwriting-ready format.
This is the Alliance’s role: structure and consistency. Not underwriting judgment.
Rainshade Specialty LLC evaluates the structured profile and makes all underwriting and placement decisions. Rainshade is the program administrator and the entity responsible for carrier relationships and placement.
Coverage is placed through licensed carriers. All terms are subject to underwriting and carrier approval. The Alliance does not issue coverage or make coverage decisions.
Placed members participate in the Alliance program. They receive access to the four-pillar platform — Severity Signals, Incident Response framework, and Litigation Dynamics content — on their own schedule.
There is no required engagement beyond the enrollment commitments elected at submission. Members access published resources as needed.
Creates a structured participation framework built around liability severity. Publishes intelligence, incident response tools, and litigation awareness content. Establishes consistency in how risk is defined, documented, and observed — giving carriers a more informed book, brokers a differentiated program, and members practical resources for navigating the nuclear verdict environment.
Program administrator. Evaluates submissions, makes underwriting decisions, and manages carrier relationships and placement. All coverage decisions rest with Rainshade and the placing carrier.
Group purchasing provides access to program terms, capacity, and stability that individual placement cannot. Members benefit from collective leverage in a market where excess liability pricing is volatile and capacity is contracting. A purchasing group is a natural fit for a severity-focused program — it aligns the interests of members, carriers, and the administrator around a defined, consistent risk pool.
Contact your broker or reach out to Rainshade Specialty to discuss eligibility.