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Restaurant Insurance

We have 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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A server setting up a table in a restaurant
A sign outside of a pizza shop in an urban environment

Flexible coverage for almost anywhere that serves food

The restaurant industry has changed and we look at the space differently. Coverage is available for:

  • New restaurant ventures
  • Fast casual
  • Fine dining
  • Wine bars
  • Fast food
  • Brew pubs
  • Ghost kitchens
  • And more...
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Specialty coverage for the food service industry

Excess Liability

Add an extra layer of protection in case of catastrophe or large claims.

Most risks that are eligible for Rainbow’s BOP will also qualify for XS. Available XS limits:
General Liability: $3M Each Occurrence / $3M General Aggregate
Liquor Liability: $1M Each Common Cause / $1M Aggregate

Property Coverages

Robust options customized for each policy.

  • Spoilage
  • Business Interruption
  • Equipment Breakdown
  • Utility Service Interruption
  • Building
  • Business Personal Property
  • And more…
Liquor Liability

Robust options customized for each policy.

Covering businesses with up to 65% liquor sales.

Liability Coverages

Protection for today’s evolving business exposures.

  • Employment Practice Liability
  • Cyber Liability
  • Tenant's Liability
  • General Liability
  • And More...
Business Owner's Policy (BOP)

General liability and property coverage bundled together.

Our BOP is a significantly enhanced program built 100% for restaurants, complete with coverages that suit any concept’s needs.

Rainbow has an amazing culture. The Rainbow team is personable, responsive, and supportive. When you combine these attributes with a great product, the sky is the limit. Our agency is looking forward to growing our partnership.

Michael Urbano
elye Insurance
Mission Viejo, CA
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© Rainbow

Rainbow MGA Insurance Agency, Inc. (“Rainbow”) is a licensed (CA Lic. # 6008454) property and casualty insurance producer in the states where it transacts insurance. Coverage is available only in those states where Rainbow is licensed to transact insurance. All coverages are subject to policy terms, conditions and exclusions. Rainbow may act as an agent for one or more insurance carriers and receive compensation based on the premiums for the insurance policies each sells. Further information is available upon request.