The flagship insurance solution within Rainshade Programs. Designed as a structured purchasing group solution for eligible Alliance members operating in selected high-severity liability segments.
The Umbrella Program is built for eligible members that fit the underwriting profile, meet participation requirements, and demonstrate alignment with The Alliance’s severity risk mitigation framework.
Members may be better positioned for consideration when they maintain a current Severity Profile, complete supplemental underwriting materials, engage with relevant Alliance resources, demonstrate incident readiness, maintain organized documentation, support accurate disclosure, and complete required agreements and disclosures.
Preferred access to structured excess and umbrella capacity, coverage designed around selected member segments, underwriting review informed by Alliance materials, better organized renewal information, service commitments tied to the program model, and potential premium consideration for qualifying risk controls, subject to carrier guidelines.
Rainshade Programs is the structured insurance platform through which The Alliance Group Umbrella Program is developed and administered. Rainshade Programs may include eligibility requirements, underwriting standards, participation agreements, disclosures, risk-control expectations, coverage summaries, renewal requirements, carrier-approved guidelines, incident reporting instructions, and ongoing member communication.
Members in eligible Hospitality, Commercial Real Estate, and Multifamily Housing sub-sectors that fit underwriting guidelines and program requirements.
Attachment starting at $1,000,000 above primary, with limits available up to $150,000,000 per occurrence.
No. Participation is subject to underwriting review, eligibility standards, and carrier guidelines.