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For Restaurants
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FLEXIBLE RESTAURANT INSURANCE THAT REWARDS YOU

Insurance that rewards you for putting safety first and evolves with your small
business’ ups and downs.

Use Rainbow
Get a quote in minutes



ALWAYS FULLY COVERED WITH A POLICY THAT ADJUSTS TO YOUR BUSINESS IN REAL TIME

To calculate your premium, traditional insurance companies require you to
predict revenue a year out. We know that’s impossible–and leads to
time-consuming audits and costly back payments.

Pay as You Grow coverage adjusts automatically; just report your monthly sales,
or integrate your POS provider, and your premium syncs perfectly with your
growth, slowdown, or seasonality.




View all coverage plans


FROM FAST CASUAL TO FINE DINING, WE SERVE THE COVERAGE YOU NEED

BUSINESS OWNER'S POLICY (BOP)

General liability and property coverage bundled together. Great for small to
medium-sized businesses.



BUSINESS OWNER'S POLICY (BOP)

Our BOP is a significantly enhanced program built 100% for restaurants, complete
with coverages that suit any concept’s needs. It’s the only Pay-As-You-Go BOP
that also rewards establishments for demonstrated loss control.




LIABILITY COVERAGES

Protection for today's evolving restaurant exposures.



AVAILABLE LIABILITY COVERAGES INCLUDE

 * Liquor Liability
 * Employment Practice Liability
 * Cyber Liability
 * Tenant's Liability
   
 * And More...




PROPERTY COVERAGES

Robust options customized for each policy.



AVAILABLE PROPERTY COVERAGES INCLUDE

 * Spoilage
 * Business Interruption
 * Equipment Breakdown
 * Utility Service Interruption
   
 * And more…




DELIVERY

Do you self-deliver to your customers? We can bundle in coverage for you.



HIRED AND NON-OWNED AUTO LIABILITY AVAILABLE

 * Non-owned autos
 * Driver eligibility verifications
 * No delivery for others
 * Vehicle safety checks




UMBRELLA

Coming soon…



UMBRELLA COVERAGE COMING SOON




WORKERS' COMP

Coming soon…



WORKERS' COMP COVERAGE COMING SOON



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Get a quote in minutes


GET REWARDED FOR SAFETY MEASURES

We all hate claims. So we help you avoid them, with easy tips on how to keep
your restaurant safe and healthy, and reward you for it.

Discounted premiums for safe business practices
Training and certification courses
Deals on safety tools and supplies
Slip resistant footwear
Cleaning logs
Bright lighting
Carpet on stairs
Food safety training
Slip and fall training
Front door mat
Fire safety contract
Daily kitchen cleaning
Daily hood vent cleaning
First aid training
Slip resistant footwear
Cleaning logs
Bright lighting
Carpet on stairs
Food safety training
Slip and fall training
Front door mat
Fire safety contract
Daily kitchen cleaning
Daily hood vent cleaning
First aid training
Slip resistant footwear
Cleaning logs
Bright lighting
Carpet on stairs
Food safety training
Slip and fall training
Front door mat
Fire safety contract
Daily kitchen cleaning
Daily hood vent cleaning
First aid training


SEAMLESS, COMPLETE FUNCTIONALITY THROUGH OUR DASHBOARD

From quote-to-bind, through endorsements and filing a claim—our dashboard comes
with full, intuitive functionality. We also support comprehensive commission
visibility, and transparency around key policy dates and upcoming premium
charges based on reported sales figures.

Get appointed as an agent

Complete visibility into how premiums change at varying sales levels

Transparent, complete policy tracking on the Rainbow Dashboard

TO ME, SHARING SALES DATA THROUGH INTEGRATION IN REAL TIME WITH RAINBOW IS THE
LOGICAL NEXT STEP IN GIVING ME EVEN MORE PEACE OF MIND AROUND MY INSURANCE
POLICY

–
+
Industry, San Marcos – Founder
Harlan Scott



EASILY REPORT YOUR MONTHLY SALES

Connect your POS directly
Email us monthly reports
Self-report through dashboard


YOUR SMALL BUSINESS INSURANCE CHEAT SHEET

Are Pay-As-You-Go policies audited?
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No – Rainbow commits to not auditing an insured at the end of the policy term if
they have purchased a Pay-As-You-Go policy. No audits; no hassle or unexpected
back premiums.

Does Rainbow offer coverage for restaurants who self-deliver?
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Absolutely, Rainbow is one of the only admitted programs that bundles non-owned
auto coverage specifically built for restaurants who self-deliver their food.

Does Rainbow only offer coverage for restaurants?
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Rainbow provides coverage to a variety of foodservice establishments including
restaurants, delis, food trucks and wine bars. See our full appetite guide here.

How does Pay-As-You-Go work for a BOP?
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Every insured has the option to purchase a Pay-As-You-Go policy from us, which
means that the monthly premium paid will change over time. This is because
Rainbow recalculates the general liability premium of the policy each month,
based on the restaurant’s sales activity. The policy’s property coverages are
not Pay-As-You-Go and the premium remains fixed for the policy term, although
the entire policy premium will vary monthly.

How does your loss control incentive program for insureds work?
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During the quote process, insureds are offered a discount on their premium for
participating in our loss control incentive program.  At policy issuance, we
engage the insured to perform certain tasks to help identify or mitigate
hazards, starting simply with uploading images of their operation that they can
take from their smartphone.

What is Rainbow’s financial strength rating?
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Rainbow’s policies are issued by insurance companies with a financial strength
rating of "A- Excellent" by AM Best.


YOUR BEST BUSINESS IDEAS CAN BE A LITTLE RISKY. GOOD THING RISK IS OUR BUSINESS.

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