When I founded Rainbow, I set out to build something that would last. Not just for our policyholders, but for the agents who trust us with their best clients, and the reinsurers who trust us to protect their capital.

That trust is never assumed. It's earned. And over the past several years, we’ve been proud to see our reinsurance partners repeatedly increase their capacity commitments with us. That momentum doesn’t just benefit Rainbow, it benefits you, the agent, in very real and measurable ways.

Let me explain how.

1. Stronger Capacity Means Stability - Even in Challenging Markets 

When our reinsurance partners deepen their commitment, we’re able to offer more capacity, expand our underwriting appetite, and continue saying “yes” in places where others are pulling back.. That means:

More options for your clients in niche industries, with fewer placement hurdles in evolving or high-demand markets 

• Peace of mind thanks to long term thinking from Rainbow and our reinsurance partners
  
  
• Continued growth in our strongest regions—like California, Texas, and New York—where many carriers have restricted capacity or exited entirely

These are direct results of our disciplined, long-term approach to underwriting. We’ve resisted the temptation to chase high-growth, high-volatility opportunities because we believe in building something sustainable and our partners have rewarded us for that.

2. Our Multi-Year Reinsurance Agreement Means We’re Not Going Anywhere

In our industry, it’s all too common to see insurers flood a market for a few years and then pull back just as quickly. That kind of volatility erodes agent trust, disrupts client relationships, and places a significant burden on agency staff who are forced to rewrite large blocks of business they expected to remain stable for years. At Rainbow, we have a unique multi-year reinsurance agreement which allows our underwriting, claims, actuarial and service teams to be deeply focused on our value proposition. Our reinsurers know that we’re not here for a quick cycle. We’re here for the long haul, and that’s why they continue to invest in our ability to serve you.

3. Partnerships Built on Mutual Respect

Our underwriting philosophy is built around helping agents win—by protecting the balance sheet, understanding the nuance of each risk, and making thoughtful decisions that lead to long-term success, not just short-term volume. 

When we see a risk that makes sense but doesn’t look perfect on paper, our reinsurers trust us to make the call. That benefits you directly when your client needs a thoughtful, nuanced approach.

4. Why This Matters to You—The Agent

I know what it takes to build a book of business: time, trust, and a partner who won’t disappear when conditions get tough. The same way that we are not in this business for a quick buck, we know you aren’t either. You are building a part of your personal legacy with your agency — supporting your ambitions, supporting your family, and supporting your community. We think of Rainbow in the same way, and in fact everyone you will interact with at our company is aligned as a co-owner of the company. 

With Rainbow, you’re backed by an underwriting company that has proven—again and again—that we’re committed to the same long-term success you are. You’re supported by reinsurers who believe in our business model and want to see it thrive. And you’re working with a team that underwrites with care, not chaos.

Let’s Build Something That Lasts

If you’re already part of the Rainbow community, thank you for your trust. If you’re new to us, I invite you to take a closer look at what it means to work with a partner that’s in this for the long run. Our team is ready to learn about your markets and help you find a better way forward.

We’re not just another underwriting company. We’re your partner—for today, and for the years ahead.

Best regards,

Bobby TouranCEO, Rainbow Insurance

‍