Last month, we said Excess Liability binding was coming next to the Agent Portal. It's here: you can now take Excess Liability from quote to bind on your own. We've also redesigned how you start a quote, launched self-service endorsements, added specimen forms before binding, and expanded into new states. Here's what's changed since our last update and how to use it.

Quote and bind Excess Liability in the Agent Portal

You can now complete the full Excess Liability (XS) quote-to-bind flow in the Agent Portal, without asking Underwriting to bind quotes for you.

• The full flow: Complete the XS application, select a payment plan and payment method, review the Quote Summary page, and check out. Heads up: If you make changes to the underlying BOP after quoting XS, the XS application will automatically return to Draft and need to be rerated before binding.
• E&S XS: For now, all E&S XS applications require manual underwriting review. Once approved, you can complete the diligent search and quote signatures via Dropbox Sign, then bind the quote directly in the Agent Portal. Remember that BOP and XS are separate policies, so each requires its own diligent search documentation and quote signatures. You'll also need to bind the underlying BOP before binding XS.
• Admitted XS: Once the underlying BOP is bound, you can send the admitted XS quote to your insured for payment and binding.
• Insured checkout: Currently, insureds can view and purchase Admitted BOP and XS quotes. Coming soon, you'll also be able to share E&S BOP, E&S XS, and E&S CPP (LRO) quotes with insureds so they can complete checkout themselves.

Why it matters: Fewer handoffs mean you can close the BOP and the excess layer on top of it in one sitting. To get started, open a BOP quote and use the XS tab on the Quote Summary page.

A redesigned Start a Quote

We've redesigned Start a Quote to make it easier to understand which programs, products, and markets are available in each state—and get to the right quote faster.

The new experience gives you two ways to get started:

• Know what you're looking for? Go directly to the program, product, and market you want to quote. For example, you can start a Restaurant E&S GL-only (GL+) quote without first going through an Admitted application.
• Want to explore your options? Start by choosing your program and locations, then see which products and markets are available. You can adjust your selections as you go based on the risk and Rainbow's appetite.

Start with Admitted, then try E&S if needed. If you choose Admitted first and the risk doesn't qualify, you can continue directly into an E&S quote if the risk is eligible for that market. We'll prefill the E&S application with the information you've already provided, so you don't have to start over.

GL-only coverage is available exclusively through E&S.

Why it matters: Whether you already know exactly what you want to quote or need to explore the available options, the new experience helps you find the right path without unnecessary steps or duplicate data entry. Try it the next time you click Start a Quote.

Introducing self-service endorsements for single-location BOPs

We've launched self-service endorsements in the Agent Portal, so you can make common, non-premium-bearing policy changes yourself without submitting a request to our team.

For eligible active or pending-active single-location BOP policies, you can now:

• Add or update Additional Interested Parties
• Update a contact's name or phone number
• Change the insured's mailing address

These changes can be completed directly in the Agent Portal without waiting for Underwriting or Service to process a request.

Some changes still require a different workflow. Contact email changes use the separate contact email update flow, while insured name and DBA changes still use the endorsement request form because they may require underwriting review. Multi-location BOP, XS, and CPP policies also continue to use the request form.

Self-service endorsements cannot change premium. If a change requires premium adjustment or underwriting review, our team can take over the endorsement you've already started, with your saved information carried over.

Why it matters: Routine policy changes can now be completed on your own, saving time for you and your insured.

Download specimen forms before you bind

You can now download a watermarked PDF of the forms associated with your quote. Select Download Specimen Forms on the Quote Summary page.

The PDF is specific to your quote, rather than a blank generic specimen, and is clearly marked as non-binding. You can use it to review coverage with your insured or compare forms before binding.

New states and markets

We've expanded product availability and carrier capacity across several states:

• LRO E&S CPP: Now available for quoting and binding in North Carolina, Nebraska, New Mexico, Ohio, Tennessee, and Utah, with state-specific documents. Rates have also decreased in Florida, Georgia, Michigan, and South Carolina.
• Restaurant & Brew Pubs E&S BOP: Kansas is now available for direct E&S Restaurant BOP quoting, including GL-only coverage, with the required Kansas state forms.
• Restaurant Admitted BOP: Rainbow has added a second carrier for its admitted BOP product, increasing our capacity to support our agents as they grow their businesses.

Coverage enhancements

We've also expanded coverage options and limits across several products:

• Optional Stop Gap: Eligible Restaurant, Beauty & Wellness, and LRO applications with a location in North Dakota, Ohio, Washington, or Wyoming can now select $1M in Employers Liability (Stop Gap) coverage.
• Outdoor Signs: The maximum available coverage limit has increased to $100,000 across programs.
• Overhead Transmission Lines: This coverage is now available when Utility Services Time Element is selected on applicable Restaurant and Beauty & Wellness BOP applications, including E&S Restaurant.

Questions about any of these updates? Reach out to your Rainbow sales rep, or log in to the Agent Portal to try them out.