At Rainbow, our mission is to be the first stop for small business insurance, especially for restaurants and the beauty & wellness industry. That’s why we’re excited to share that we’ve launched a brand-new Excess & Surplus (E&S) Business Owner’s Policy (BOP) for restaurants in California and Texas.

What this means for our agent partners

• The new E&S BOP gives agents the ability to say “yes” to more risks — including older buildings, late night hours, live entertainment, or harder-to-place exposures.
• It builds on the strength of our admitted restaurant program (now active in nearly 40 states) and adds flexibility and capacity.
• The quoting process is digital, simplified, and seamless — keeping speed and efficiency central.

Why this matters for restaurant clients

Restaurant owners today face unique challenges: operational complexity, tight margins, evolving risks. With this expansion, Rainbow is delivering:

• Broader coverage options tailored to their realities
• Speedier access to terms and binding because we know downtime or delay isn’t an option
• A trusted partner who understands the food & beverage space intimately

Key details at a glance

• The program is written on Sierra Specialty Insurance Company paper (rated A- by AM Best) which underscores financial strength and stability.
• Initially available in CA & TX, with Florida next — and a nationwide roll-out planned for early 2026.
• Agents must be actively writing in those states to access the E&S program.

Our commitment

We’re proud to deliver this expansion in line with our core approach: using proprietary underwriting technology + dedicated specialty underwriting teams to build smarter, faster, more specialized small business insurance programs.
‍

As I mentioned in the latest press release, launching our E&S BOP is a natural next step … expanding our ability to serve restaurant clients quickly, responsibly, and with the same precision and care that define our admitted programs.

What this means for your agency

If you’re writing restaurant business (or want to start doing so) — especially in California or Texas — now’s the time to engage. You can:

• Explore whether you have clients who might benefit from the expanded appetite (older building, entertainment exposure, late hours)
• Use our digital platform to quote and bind with speed
• Position your agency as a go-to resource for food & beverage risks, backed by a specialist program

Ready to get started? Reach out to your Rainbow representative today and ask about the E&S BOP in CA & TX. Let’s win more restaurant business together.

‍