High-limit excess and umbrella liability coverage through a federally authorized risk purchasing group — two structures, one integrated program.
The Alliance provides access to a high-limit commercial excess and umbrella liability tower for commercial real estate, habitational, and hospitality organizations. Coverage is available in two structures depending on member need and underwriting qualification.
Unlike standard excess programs, the Alliance tower is designed to work in conjunction with the five-pillar platform — the intelligence, incident control, and litigation positioning resources that surround the coverage are what make this program structurally different from a standalone limit purchase.
The Alliance is organized as a Purchasing Group under the federal LRRA 1986 — providing members rights and leverage unavailable through individually purchased excess policies.
Combined premium volume creates market leverage unavailable to individual operators regardless of size.
A purchasing group with a documented risk management platform provides stability unavailable to individual buyers in hard markets.
Multi-state coverage rights and protections against state regulatory disruptions affecting individually purchased programs.
Tier 2 members earn a 5% premium credit. Tier 3 members earn a 10% credit. Credits are subject to underwriting confirmation.
The eligibility process creates a member pool with documented commitment to liability severity risk management.
Structured access to high-limit excess capacity that has become more difficult to access individually in these segments.
Standard excess underwriting measures historical frequency and severity. The Alliance measures and rewards documented behaviors that reduce nuclear verdict exposure.
The application captures incident protocols, prior litigation outcomes, security standards, venue concentration, and training programs — a risk management assessment, not just an exposure questionnaire. Venue intelligence is incorporated into underwriting, reflecting documented differences in nuclear verdict frequency between jurisdictions.
| Classification | Requirements | Credit |
|---|---|---|
| Member Tier 1 |
Enrollment and coverage placement. Access to published intelligence briefings. Standard program terms. | Standard |
| Engaged Tier 2 |
Attests to intelligence use. Commits to 24-hour incident notification. Access to full database, venue map, and TPLF intelligence. | 5% credit |
| Preferred Tier 3 |
Completes training, maintains written incident protocols, commits to defense panel, recertifies annually. Portfolio-level venue risk assessment included. | 10% credit |
Program documents, coverage summaries, and broker resources available to enrolled members.