Who May Participate in the Alliance

Participation in the Social Inflation Risk Alliance Purchasing Group is limited to organizations that meet the eligibility criteria established by the program. Eligibility is determined through the underwriting application process and is subject to review and approval by the program administrator and participating carriers.

Commercial Real Estate

• Office buildings
  • Class A, B, and C office
  • Single-tenant and multi-tenant
• Retail centers
  • Anchored and unanchored retail
  • Strip centers and enclosed malls
• Mixed-use commercial properties with a commercial majority
• Industrial properties and light industrial
• Commercial parking facilities
• Single-tenant net-lease properties — evaluated case by case
• Owner-occupied commercial properties — evaluated case by case

Habitational

• Multifamily residential apartment communities
  • Garden-style communities
  • Mid-rise properties
  • High-rise properties
• Condominium associations under institutional management
• Cooperative housing under institutional ownership
• Student housing operated by institutional owners
• Age-restricted communities
• Market-rate and affordable housing under institutional ownership
• Not eligible: Single-family residential; individually owned condominiums

Hospitality

• Full-service hotels and resorts
• Select-service hotels
• Limited-service hotels
• Extended-stay properties
• Branded and independent properties
• Urban, suburban, and resort locations
• Properties operating under franchise, management, and ownership structures
• Not eligible: Vacation rental platforms; short-term rental aggregators

Gaming

• Commercial casinos operating under applicable state gaming licenses
• Resort casinos and integrated resort-casino properties
• Land-based casinos
• Riverboat casinos
• Tribal gaming enterprises — evaluated case by case
• Not eligible: Online-only gaming platforms

In addition to segment eligibility, applicants must meet the following general requirements:

• Legally organized business entity — corporation, LLC, limited partnership, or similar
• Operations in one or more eligible segments
• Primary general liability insurance at minimum limits acceptable to the program
• No material misrepresentation in the underwriting application
• No prior policy cancelled or non-renewed for cause within three years preceding application, unless fully disclosed and acceptable to the program administrator
• Properties located in the United States or its territories

The following characteristics may result in declination, at the discretion of the program administrator and participating carriers:

• Significant prior large verdict or settlement history without documented remediation
• Active litigation involving allegations materially similar to prior claims with adverse outcomes
• Operations in segments or subclasses not listed as eligible
• Failure to meet minimum primary liability insurance requirements
• Material misrepresentation or omission in the underwriting application
• Prior felony conviction of principals or key officers directly related to business operations

This list is illustrative, not exhaustive. The program administrator reserves the right to decline any application in its reasonable discretion.

Eligible organizations apply for participation through their licensed insurance broker. The application includes a standard underwriting questionnaire developed specifically for the Alliance program. Applications are reviewed by the program administrator and submitted to participating carriers for underwriting determination. Approval, declination, or request for additional information is communicated through the applicant's broker.