The Verdict Risk Your Organization Can No Longer Ignore

Coverage and Resources for Runaway Verdicts

The Social Inflation Risk Alliance is a coalition of commercial real estate, habitational, hospitality, and gaming operators — formally organized as a federally authorized Risk Purchasing Group under the Liability Risk Retention Act of 1986. Members gain collective access to five pillars of value specifically designed to address the evolving risks of social inflation:

Coverage

A high-limit excess and umbrella liability tower featuring a specialized underwriting approach, broad-form coverage, and limit options up to $200 million across all four segments.

Intelligence

A live nuclear verdict tracker, venue risk map, TPLF funder database, plaintiff attorney intel, and a 14-briefing library covering every dimension of the social inflation threat.

Preparedness

Incident protocols, segment standards, and a tier framework with documented premium credits that reward members who invest in their own defense before an incident occurs.

Defense

Counter-reptile strategy, damages anchoring guidance, and plaintiff intelligence that most organizations don't know exists and most defense attorneys aren't using.

Selection

A curated member pool evaluated against social inflation-specific underwriting criteria — making the group collectively a harder and less profitable litigation target.

How It Works Understand the Threat View Coverage

2024 Nuclear Verdict Data

135

corporate nuclear verdicts — most ever recorded in a single year

Marathon Strategies 2025

$31.3B

total awards — up 116% year over year

Marathon Strategies 2025

states with nuclear verdicts — up from 27 in 2023

Marathon Strategies 2025

76%

of Americans believe damages in lawsuits are too low or fair

Swiss Re Institute 2025

Who the Alliance Serves

Four segments. One program. Built for the exposures you actually face.

Hotels, apartment communities, commercial properties, and gaming operations share a common vulnerability: they are anchored to physical locations in the same jurisdictions where nuclear verdicts are most concentrated — and where plaintiff attorneys have spent decades learning exactly how to exploit that exposure.

Commercial Real Estate

Office towers, retail centers, and mixed-use properties face premises liability claims in some of the most plaintiff-friendly urban markets in the country. NYC's Scaffold Law alone creates virtually unlimited liability for property owners — with no comparative negligence defense available.

Critical Exposure

Habitational

Multifamily residential properties carry the most emotionally charged liability narrative in the industry: institutional landlord versus injured tenant. Anti-corporate juror sentiment runs highest in habitational cases — where 76% of potential jurors already believe damages are too low before trial begins.

Critical Exposure

Hospitality

Hotels and resorts are explicitly named in nuclear verdict research as a growing target. Branded properties face the sharpest form of the "profits over safety" narrative — in high-density urban markets that sit directly in the country's most dangerous judicial venues.

Critical Exposure

Gaming

Casino and gaming operations carry the deepest "deep pockets" perception of any Alliance segment. Nevada alone produced $8.4 billion in nuclear verdict awards in 2024. Alcohol service liability, patron injury claims, and high-profile brand recognition make gaming facilities premium targets for TPLF-backed litigation.

Critical Exposure

The Alliance

Coverage and intelligence — designed to work together

The Social Inflation Risk Alliance Purchasing Group is organized under the federal Liability Risk Retention Act of 1986 — a federal structure that gives members collective bargaining power, program stability, and protections unavailable through individually purchased excess policies.

The Alliance is built on a premise the industry has ignored: standard loss control manages incident frequency. The Alliance helps members address verdict risk. The intelligence platform and the excess tower are two sides of the same program — and neither works as well without the other.

About the Alliance

"Standard loss control manages incident frequency. The Alliance helps members address verdict risk."

Purpose-built for nuclear verdict exposure — not a standard excess program repurposed for the Alliance's segments

Intelligence platform included with membership — verdict tracking, venue maps, TPLF database, plaintiff attorney intel

Federal purchasing group structure — collective leverage, multi-state coverage rights, program stability across market cycles

Premium credits reward preparedness — members who engage with the platform earn documented credits that reduce excess cost

No comparable program exists — the first purchasing group in commercial excess casualty organized specifically around social inflation defense

The Alliance Excess Tower

A purchasing group tower sized for the threat the data documents — not the threat from a decade ago. Organized under the federal Liability Risk Retention Act of 1986, providing collective capacity and program stability unavailable in the standard excess market.

$1M

Attachment

$200M

Max Limit

Segments

LRRA

Federal Structure

View Coverage Structure Request Membership

The Verdict Risk Your Organization Can No Longer Ignore

Four segments. One program. Built for the exposures you actually face.

Coverage and intelligence — designed to work together

Five pillars. One integrated program.

The research your plaintiff's attorney already has. Now available to you.

Ready to join the Alliance?