Flexible restaurant insurance that rewards you

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

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Pay-As-You-Grow

Avoid overpaying 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-Go coverage adjusts automatically—just report your monthly sales, or integrate your POS provider, and your premium syncs perfectly with your growth, slowdown, or seasonality.

Flexible coverage

From fast casual to fine dining, we serve the coverage you need

Umbrella

Coming soon…

Workers' Comp

Coming soon…

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Rainbow rewards

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.

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Discounted premiums for safe business practices
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Credits for affinity memberships
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Free access to training and safety resources
Food handler training
Clean floor mats
Slip resistant footwear
Clear pathways
Temperature logs
Restaurant safety training
Ladders + step stools
Cut gloves + oven mitts
Scheduled hood cleanings
Stocked hand washing stations
'Slippery when wet' signs
Food handler training
Clean floor mats
Slip resistant footwear
Clear pathways
Temperature logs
Restaurant safety training
Ladders + step stools
Cut gloves + oven mitts
Scheduled hood cleanings
Stocked hand washing stations
'Slippery when wet' signs
Food handler training
Clean floor mats
Slip resistant footwear
Clear pathways
Temperature logs
Restaurant safety training
Ladders + step stools
Cut gloves + oven mitts
Scheduled hood cleanings
Stocked hand washing stations
'Slippery when wet' signs
Full self-service

Seamless, complete functionality through our dashboard

From quote-to-bind, through endorsements and filing a claim—our dashboard comes with intuitive functionality. We also support transparency around key policy dates and upcoming premium charges. For Pay-As-You-Go policies, you can track how monthly premiums are changing with ease.

Screenshot of Rainbow Insurance app - Easily see your premiums when you start a quoteScreenshot of Rainbow Insurance app - manage policies quotes and claims online

Complete visibility into how premiums change at varying sales levels

Transparent, complete policy tracking on the Rainbow Dashboard

Easily report your monthly sales

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

Your small business insurance cheat sheet

Are Pay-As-You-Go policies audited?
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Not in most cases — Rainbow's Pay-As-You-Go policies reduce the need for auditing an insured at the end of the policy term. No audits = no hassle or unexpected back premiums.

Does Rainbow only offer coverage for restaurants?
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Rainbow provides coverage to a variety of foodservice establishments including restaurants, delis, and wine bars.

How does Pay-As-You-Go work for a BOP?
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Rainbow policyholders have the option to purchase a Pay-As-You-Go policy, which means that the monthly premium will change over time. This is because Rainbow recalculates the liability premium each month based on the restaurant's actual sales activity. The policy's property premium remains fixed for the policy term.

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 carriers with a Financial Strength Rating of A- Excellent by AM Best.

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