Rainbow is commercial insurance 100% built for restaurants with a broad appetite for almost any business that offers food with hand-crafted policies. Rainbow’s policies are issued by insurance carriers with a Financial Strength Rating of A- Excellent by AM Best.

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Accepts businesses with up to 65% in alcohol sales and new ventures with prior management experience.

Broad appetite for restaurants

Discounted premiums for safe business practices and credits for affinity memberships.

Rewards for safe business

Human touch

Expert staff can assist with all aspects of your placement, including exceptions and pricing adjustments.

Key value propositions

Products offered: BOP, Liability Coverages, Property and Excess Liability

Casual and fine dining restaurants, commercial cooking and wine bars.

$10m or less in annual revenue per location.

Less than 250 employees per location.

Single location policies, multi-location review available outside of platform.

65% or less in alcohol sales.

New ventures with three years prior experience.

Sweet spots

General Liability $1,000,000 / $2,000,000 ($2M / $4M can be requested via referral)

Liquor Liability $1,000,000 / $1,000,000

Cyber Suite Coverage $1,000,000

Employment Practices Liability $1,000,000

Excess Liability up to $3,000,000 / $3,000,000

See more available coverages in the additional resources section below.

Coverages and Deductibles

Underwriting

Read the specifics at the end of this page in the additional resources section.

Discounts

Discounted premiums for safe business practices

State availability

Appointment process

~3-4 days

Request Access

Information submitted to Rainbow

~3-4 days

Email sent register for a Rainbow account

Integrations

Agentero integrations

How to quote and bind

More info

Underwriting

Claims / Service

You can request everything you need from within your sign-in. If you go to the specific policy, you can fill out endorsement requests, start a claim, if you need further assistance, use the email below.
Email: service@userainbow.com

Agency Support

Additional resources