A more consistent Rainbow experience, starting with the Quote Summary page

As Rainbow grows, the Agent Portal is growing with it. We’re adding new markets, products and programs, supporting larger multi-location schedules, and increasingly working with the same insureds across multiple policies and policy terms.

We want that growth to make Rainbow more useful, not more complicated to use.

That’s why we’ve built a new Rainbow design system: a shared foundation for how the Agent Portal looks, feels and behaves. As we redesign key pages and workflows, you’ll see more consistent patterns, clearer information and familiar actions across different Rainbow products.

We started with the Quote Summary page because it’s one of the most important pages in the quoting process. The redesigned experience includes:

• Inline effective date editing, so you can make a change without going back through the application.
• A clearer view of cost, with premium shown separately from Taxes & Fees and a clear Total Cost.
• A more prominent Send to Insured action to email your insured a link to complete checkout.
• Improved policy and location coverage breakdowns to make it easier to see what’s covered and where.
• BOP and Excess Liability in one tabbed view, so you can move between related quotes without navigating away.
• E&S document signatures from the Quote Summary page, including the diligent search and quote letter. This is now available for both BOP and XS.

The Quote Summary page is the first major workflow we’ve rebuilt on this foundation, and you’ll see the same approach applied to other parts of the Agent Portal over time.

More of the Excess Liability workflow is now self-service

We’ve made a number of improvements to Excess Liability over the past few months, with the goal of making it easier to quote alongside an eligible Rainbow BOP.

You can now:

• Find XS applications directly from your Quotes dashboard.
• Move between the BOP and related XS quote using the new tabbed view on the Quote Summary page.
• Download an XS Quote PDF directly from the Quote Summary page.
• Enter underlying Employers Liability policy details directly in the application, with Rainbow checking that the underlying policy term overlaps the XS term.
• For E&S XS, complete the required diligent search and quote letter signatures directly from the Quote Summary page.

We’ve also removed the blanket referral that previously sent every Excess Liability application to Underwriting. Eligible XS quotes will now be automatically approved, while quotes that require Underwriting review will still be referred.

And we’re not quite done: Underwriting currently completes the final XS bind after the underlying BOP is bound. We’re working on the next step now — allowing agents to bind eligible Excess Liability policies directly in the Agent Portal.

A quick E&S tip before you collect signatures

Before sending an E&S quote to your insured for signature, take a moment to make sure the quote is final — particularly the effective date, payment plan and payment method.

These details matter because the insured’s quote letter reflects what they’re agreeing to, including the effective date of coverage and the Total Cost of the policy.

Both the payment plan and payment method affect Total Cost:

• Paying in full includes a 5% discount, while monthly payments do not.
• ACH and credit card have different processing fees.

That means changing from monthly to paid in full, or switching between ACH and credit card, changes the Total Cost. If the insured has already signed the quote letter, they’ll need to sign an updated version reflecting the new amount. Other changes to the application may also cause the quote to rerate.

To avoid having to go back to your insured for another signature, we recommend this order:

1. Finalize the quote and coverage details
2. Confirm the effective date
3. Confirm monthly vs. paid in full and ACH vs. credit card
4. Collect the required document signatures
5. Continue to checkout and binding

Quoting E&S BOP + Excess Liability? The BOP and XS are separate quotes, and each requires its own compliance documents and signatures. If you’d like your insured to receive both signature requests at around the same time, send the BOP documents for signature first, then use the XS tab on the Quote Summary page to send the XS documents right after.

One distinction: the diligent search is independent of billing information, so a payment change does not mean you need to complete the diligent search again.