Restaurant Insurance

We have a broad appetite for almost any business that offers food, with hand crafted policies served up by your local independent agent.

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Japanese Steakhouse in Utah
Full service / Casual dining
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Chinese Skewers in NJ
Full service / Casual dining
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24hr New York Diner Chain
Full service / Casual dining
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New Venture Smoothie Shop
Quick service / Limited cooking
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Franchised Cheesesteak Joint
Quick service / Commercial cooking
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California Barbecue Joint
Full service / Casual dining
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New Jersey Deli
Full service / Casual dining
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Pints & Pies in Indiana
Full service / Casual dining
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New Jersey Brewpub
Full service / Casual dining
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Napa Valley Fine Dining
Full service / Fine dining
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Chinese Take-out in Minnesota
Quick service / Commercial cooking
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13 Texas Dairy Queens
Quick service / Commercial cooking
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Brooklyn Bakery
Quick service / Limited cooking
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Indiana Korean BBQ & Hot Pot
Full service / Casual dining
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New Venture Smoothie Shop
Quick service / Limited cooking
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California Denny's
Full service / Casual dining
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Brooklyn Bakery
Quick service / Limited cooking
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Pints & Pies in Indiana
Full service / Casual dining
See how we won
Indiana Korean BBQ & Hot Pot
Full service / Casual dining
See how we won
Japanese Steakhouse in Utah
Full service / Casual dining
See how we won
13 Texas Dairy Queens
Quick service / Commercial cooking
See how we won
Michigan Coney Island
Full service / Casual dining
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Michigan Ramen Restaurant
Quick service / Commercial cooking
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Napa Valley Fine Dining
Full service / Fine dining
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A sign outside of a pizza shop in an urban environment

Flexible coverage for almost anywhere that serves food

The restaurant industry has changed and we look at the space differently. Coverage is available for:

  • New restaurant ventures
  • Fast casual
  • Fine dining
  • Wine bars
  • Fast food
  • Brew pubs
  • Ghost kitchens
  • And more...
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Specialty coverage for the food service industry

Excess Liability

Add an extra layer of protection in case of catastrophe or large claims.

Most risks that are eligible for Rainbow’s BOP will also qualify for XS. Available XS limits:
General Liability: $3M Each Occurrence / $3M General Aggregate
Liquor Liability: $1M Each Common Cause / $1M Aggregate

Property Coverages

Robust options customized for each policy.

  • Spoilage
  • Business Interruption
  • Equipment Breakdown
  • Utility Service Interruption
  • Building
  • Business Personal Property
  • And more…
Liquor Liability

Robust options customized for each policy.

Covering businesses with up to 65% liquor sales.

Liability Coverages

Protection for today’s evolving business exposures.

  • Employment Practice Liability
  • Cyber Liability
  • Tenant's Liability
  • General Liability
  • And More...
Business Owner's Policy (BOP)

General liability and property coverage bundled together.

Our BOP is a significantly enhanced program built 100% for restaurants, complete with coverages that suit any concept’s needs.

Rainbow combines the best rating platform in the industry, with a staff that communicates extremely well, along with every coverage that my restaurant clients need. I couldn't be happier with my partnership with Rainbow.

Brett Lantz
KitchenSync
Los Angeles, CA