insurance 100% built For restaurants

A broad appetite for almost any business that offers food, with hand crafted policies served up by your local independent agent.

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The experience of quoting & placing business has been second to none, and everyone I have dealt with has been friendly, knowledgeable & timely.

Russell Luttrell
Benson-Luttrell Insurance

Their product is truly restaurant-centric and easy to tailor based on your client's individual needs. A valuable partner for any agent or restauranteur.

Michael Monteleone
Genrose Insurance

The submission process is efficient and their overall program is truly unique. I appreciate that there is always a real person to chat with when needed.

Matt Mueller
Village Insurance

What I appreciate the most about Rainbow is how they've seamlessly paired technology for efficiency with their human touch in underwriting.

Robert Schlachter
Insurance agent
Pay-As-You-Grow

Select our Pay-As-You-Go option to never pay more than you have to

To calculate your premium, traditional insurance companies require you to predict revenue a year out, which can lead to time-consuming audits and costly back payments. Our Pay-As-You-Go payment option adjusts your liability premiums automatically and appropriately over time. Just report your monthly sales, or integrate your POS provider, and your premium syncs perfectly with the fluctuation of your business.

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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