Looking for the best coverage for your restaurant clients? You don’t have to dig through the fine print alone. We recently compared Rainbow’s Businessowners’ Policy to another leading restaurant program, and the results are clear: Rainbow goes further where restaurants need it most.
Download the full “Coverage That Cooks” guide
Rainbow was designed with the modern food service industry in mind. Whether it’s a fine dining tasting room, a busy diner, or a growing ghost kitchen, our BOP reflects where the industry is headed, not where it’s been.
With two flexible options, our Primary coverage or our enhanced Premier suite, agents can tailor coverage to the unique needs of each restaurant. That means stronger protection in the areas that matter most, from spoilage to business interruption to wine collections.
Restaurants aren’t cookie cutter, and neither are their risks. A 24-hour diner has different exposures than a fine dining restaurant with a six-figure wine cellar. That’s why Rainbow lets agents tailor policies with higher limits and customizable add-ons.
From prep to pour, we make sure nothing gets overlooked. Spoilage, foodborne illness, theft, and dependent property coverage are all available with meaningful limits. And because restaurants often expand into multiple states or new concepts, Rainbow’s flexible appetite ensures coverage grows alongside the business
When a multi-concept restaurant group in Dallas needed admitted Property & GL coverage, Rainbow delivered. Their previous program left gaps and uncertainty. With Rainbow, they received stronger protection across all locations while simplifying the process for their centralized team.
The result? Comprehensive coverage at a competitive price and a smoother experience for both client and agent.
Strong limits only matter if your client is eligible. Many carriers claim they understand restaurants, but Rainbow proves it.
We underwrite for how restaurants really operate today:
Unlike other programs that restrict these risks, Rainbow embraces them. Plus, we offer fast turnaround times (2-hour referral responses) and features like multi-location schedules, employment practices liability, liquor liability, and cyber coverage.
Rainbow was built to support today’s hospitality landscape, not restrict it. Our mix of strong limits, flexible underwriting, and industry expertise gives agents the confidence to place even the most complex risks.
Whether your client runs a late-night diner, a fast-growing ghost kitchen, or a white-tablecloth restaurant, Rainbow has the coverage that cooks.
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