The events leading to a claim can be stressful. We’re here to support you with speed, clarity, and compassion every step of the way.
To help us process your claim as efficiently as possible, please provide a clear and detailed description of the damage, loss, or injuries — including how the incident occurred. Accurate information allows us to verify coverage promptly and begin working on your claim without delay.
To file a claim, please use the Submit a Claim form on our website as soon as possible. We will review the information and assign an Adjuster to your case. Your Adjuster will contact you to guide you through the next steps and will remain your primary point of contact throughout the life of the claim.
If you’re unable to reach your Adjuster or need additional assistance, you can contact Rainbow Claims directly at claims@userainbow.com or call 888.727.2462 (option 2).
Your deductible is the amount your business is responsible for paying on each claim. Rainbow Insurance covers costs above the deductible, up to the limits specified in your Policy Summary.
For liability claims—where someone is seeking compensation from your business—Rainbow will initially pay the deductible amount on your behalf and later bill your business for that amount. If your policy includes a $0 liability deductible, Rainbow will cover the entire claim up to your policy limit, and you won’t receive a bill for any deductible amount.
If the situation is covered under your policy’s liability provisions, Rainbow will appoint legal counsel to defend your business and, if appropriate, handle settlement negotiations.
Your premium won’t change during your current policy term. At renewal, your claims history—along with other factors—will be considered when determining your new premium. The effect of a claim depends on its nature and severity. For details about your policy rating, contact your insurance advisor.
Your Adjuster will provide regular updates by phone or email as your claim progresses. You’re also welcome to contact them directly at any time with questions.
If you’re unable to reach your Adjuster or need additional assistance, you can contact Rainbow Claims directly at claims@userainbow.com or call 888.727.2462 (option 2).
Your Adjuster can accept supporting documents such as police reports or receipts in whatever format works best for you—email, fax, or mail. Please send documents at the time of reporting to claims@userainbow.com and those documents will be included in the claim file.
Please report the incident as soon as possible using our Submit a Claim form. If the situation involves an emergency—such as a fire, injuries, or burglary—first ensure everyone’s safety and call 911. Once the immediate danger is addressed, submit your claim to us right away. Quick reporting may help limit the impact on your business.
When in doubt, submit a claim. Reporting promptly ensures we can begin assessing the situation quickly and support your business through the process.
Fill out a form below, use website chat found in the bottom right of your screen, email us, or give us a call.
claims@userainbow.com888-727-2462 ext. 2
