We lead the way
We own the process from start to finish, keeping everything on track, and moving quickly.
Hands-on when it matters
Our team steps in quickly to move claims toward resolution.
Expert guidance
Deep knowledge ensures claims are handled correctly the first time.
Advocates at every step
We fight for fairness, speed, and clarity for policyholders and agents alike.
Clear communication
We keep you updated your way—no surprises, no confusion.
Personal attention
Every claim gets a human touch, not just a transaction.
Scott leads the claims team with a hands-on approach that ensures every policyholder and agent receives personal attention and expert support. All claims related questions will be routed through Scott, a human being.
While most claims proceed quickly through our partner adjusters, we’re here anytime you need support. Email, call, or use the form shown here.
Have your policy number handy, and know the date of loss.
Collect a thorough account of the event details, including the nature of the damage, loss, or injury, and how it occurred.
Call 911 in an emergency. If your claim involves a crime, ensure you have reported it to the appropriate authorities.
Perform mitigative tasks, like turning off the water or power, tree removal, or tarping the roof.
Preserve video of the incident from at least 1 hour prior to the event and 1 hour after.
Take photos of the damage. Never include photos of injured guests due to privacy concerns.
Retain all documents, such as emergency service information and invoices for your property.
To file a claim, please use the Submit a Claim form on our website as soon as possible. We will review the information and assign an Adjuster to your case. Your Adjuster will contact you to guide you through the next steps and will remain your primary point of contact throughout the life of the claim.
If you’re unable to reach your Adjuster or need additional assistance, you can contact Rainbow Claims directly at claims@userainbow.com or call 888.727.2462 (option 2).
Your deductible is the amount your business is responsible for paying on each claim. Rainbow Insurance covers costs above the deductible, up to the limits specified in your Policy Summary.
For liability claims—where someone is seeking compensation from your business—Rainbow will initially pay the deductible amount on your behalf and later bill your business for that amount. If your policy includes a $0 liability deductible, Rainbow will cover the entire claim up to your policy limit, and you won’t receive a bill for any deductible amount.
If the situation is covered under your policy’s liability provisions, Rainbow will appoint legal counsel to defend your business and, if appropriate, handle settlement negotiations.
Your premium won’t change during your current policy term. At renewal, your claims history—along with other factors—will be considered when determining your new premium. The effect of a claim depends on its nature and severity. For details about your policy rating, contact your insurance advisor.
Your Adjuster will provide regular updates by phone or email as your claim progresses. You’re also welcome to contact them directly at any time with questions.
If you’re unable to reach your Adjuster or need additional assistance, you can contact Rainbow Claims directly at claims@userainbow.com or call 888.727.2462 (option 2).
Your Adjuster can accept supporting documents such as police reports or receipts in whatever format works best for you—email, fax, or mail. Please send documents at the time of reporting to claims@userainbow.com and those documents will be included in the claim file.
Please report the incident as soon as possible using our Submit a Claim form. If the situation involves an emergency—such as a fire, injuries, or burglary—first ensure everyone’s safety and call 911. Once the immediate danger is addressed, submit your claim to us right away. Quick reporting may help limit the impact on your business.
When in doubt, submit a claim. Reporting promptly ensures we can begin assessing the situation quickly and support your business through the process.
