For Independent Agents

Rainbow's Business Owner's Policy (BOP)

  • Up to $2M/$4M general liability limits
  • ‍Up to 65% liquor sales and $1M/$1M liquor limits
  • Up to $5M property TIV
  • Restaurant specific optional coverages
  • EPL and Cyber available

Coverage is provided on policies rated A- Excellent by AM Best (IX Financial Size Category).

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Restaurant insurance

Glossary of terms

*Common abbreviations or other names are in parenthesis

A - D
Agent
Assault and Battery Coverage
Bodily Injury
Boiler & Machinery, or Equipment Breakdown
Broker
Burglary and Theft
Business Interruption, or Business Income Insurance (B.I.)
Business Owner’s Policy (BOP)
Claim
Commercial Auto Insurance
Commercial Property Insurance
Cyber Liability Insurance
Cyber Threat
Cybersecurity
Date of Issue
Declarations
Deductible
E - H
Earned Premium
Effective Date
Employee Dishonesty Coverage
Employment Practices Liability Coverage (EPLI)
Endorsement
Excess Liability Insurance (XS, Umbrella)
General Liability Insurance (GL)
Ghost Kitchen (virtual restaurant, cloud kitchen, dark kitchen)
Hired and Non-Owned Auto Insurance (HNOA)
I - L
Incurred Losses
Indemnity, Principle of
Independent Adjuster
Independent Agent
Insurance to Value
Insured
Insurer
Lapse
Limits
Line of Business
Liquor Liability Insurance
Loss
M - R
Named Insured
Ordinance of Law Coverage
Peril
Premium
Product Liability Insurance
Professional Liability, or Errors and Omissions (E&O)
Property
Real Property
Replacement Cost
Reputational Risk
Risk Management
S - Z
Underwriting (UW)
Waiver of Subrogation (WoS)
Workers' Compensation Insurance

Your best business ideas can be a little risky. Good thing risk is our business.

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© Rainbow

Rainbow MGA Insurance Agency, Inc. (“Rainbow”) is a licensed (CA Lic. # 6008454) property and casualty insurance producer in the states where it transacts insurance. Coverage is available only in those states where Rainbow is licensed to transact insurance. All coverages are subject to policy terms, conditions and exclusions. Rainbow may act as an agent for one or more insurance carriers and receive compensation based on the premiums for the insurance policies each sells. Further information is available upon request.