Restaurant Insurance

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

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Brooklyn Bakery
Quick service / Limited cooking
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Michigan Ramen Restaurant
Quick service / Commercial cooking
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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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California Barbecue Joint
Full service / Casual dining
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Michigan Coney Island
Full service / Casual dining
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Iowa Pizza Parlor
Quick service / Commercial cooking
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Napa Valley Fine Dining
Full service / Fine dining
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New Jersey Brewpub
Full service / Casual dining
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Free Marketing guide

Help your restaurant clients improve sales with this free marketing guide

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Specialty coverage for the food service industry

Business Owner's Policy (BOP)

General liability and property coverage bundled together.

Our BOP is a significantly enhanced program built specifically for your industry, complete with coverages that suit any concept’s needs.

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

Liability Coverages

Protection for today’s evolving business exposures.

  • Employment Practice Liability
  • Cyber Liability
  • Tenant's Liability
  • General Liability
  • And More...
Liquor Liability

Robust options customized for each policy.

Covering businesses with up to 65% liquor sales.

Property Coverages

Robust options customized for each policy.

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

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