At Rainbow, we’re committed to helping agents place more business, faster — even when risks don’t fit neatly into the standard market. Building on the success of our Excess & Surplus (E&S) Restaurant Program, we’re excited to share our latest expansion.

Rainbow’s E&S Restaurant program is now available in:

Florida, Alabama, Arizona, Georgia, Maryland, Michigan, Nevada, North Carolina, and South Carolina

This expansion marks another major step forward in giving agents more flexibility, broader appetite, and a seamless digital experience when working with harder-to-place restaurant risks.

Why This Expansion Matters

The restaurant insurance landscape continues to tighten, especially for accounts with higher risk characteristics. Our E&S program was built specifically to help agents say “yes” more often, without sacrificing speed or simplicity.

With availability now extended to nine additional states, agents can confidently quote and bind E&S coverage for restaurants that may not qualify for admitted markets, including those with:

• Older buildings
• Late-night hours
• Live entertainment
• High-volume or unique operations
• Prior losses or other non-standard exposures

A Digital E&S Experience Built for Agents

Rainbow’s E&S Restaurant Program delivers the same agent-first experience you expect from our admitted products:

• Fast, digital quoting and binding
• Streamlined application process
• Competitive coverage options for challenging risks
• Backed by strong E&S paper

Our goal is to remove friction from the E&S placement process so agents can focus on serving clients and growing their book.

Expanding Your Opportunities State by State

With this latest launch, agents in Florida, Alabama, Arizona, Georgia, Maryland, Michigan, Nevada, North Carolina, and South Carolina now have a powerful new option to keep restaurant accounts moving forward even when traditional markets decline.

And we’re not stopping here. Rainbow continues to evaluate additional states as part of our broader E&S expansion strategy.

Ready to Get Started?

If you’re appointed with Rainbow, you can start exploring E&S restaurant opportunities in these newly launched states today.

👉 Log in to your Rainbow dashboard to quote

Not yet appointed? We’d love to connect.
👉 Contact our sales team to learn more about eligibility and appetite sales@userainbow.com

We’re excited to keep expanding alongside our agent partners and to keep unlocking new ways to help you win more business.

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