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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Flexible, audit-free business insurance for restaurants

Gain peace of mind with variable monthly premiums that match your ups and downs, including a no-audit commitment. Rainbow delivers complete coverage with no hassle and premium discounts.

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Pay-As-You-Grow

Avoid overpaying with a policy that adjusts to your business in real time

To calculate your premium, traditional insurance companies require you to predict revenue a year out. We know that’s impossible–and leads to time-consuming audits and costly back payments.

Pay-As-You-Go coverage adjusts automatically; just report your monthly sales, or integrate your POS provider, and your premium syncs perfectly with your growth, slowdown, or seasonality.

Learn more about Pay-As-You-Go

Show us you’re safe and we’ll show you a discount

Risk isn’t binary, and we know that. Take our loss control survey and show us why you have a lower risk profile. We'll happily apply a credit to your premium.

  • Slip & fall protection
  • Liquor training
  • Fire prevention
  • Refrigeration maintenance
  • Experienced management
  • Food safety training
We know resto

Coverages tailor-made for the food service industry

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General Liability
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Business Personal Property
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Property
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Spoilage
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Liquor Liability
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Equipment Breakdown
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EPLI
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General Liability
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Business Personal Property
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Property
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Spoilage
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Liquor Liability
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Equipment Breakdown
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EPLI
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General Liability
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Business Personal Property
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Property
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Spoilage
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Liquor Liability
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Equipment Breakdown
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EPLI

New concept, or local staple—we’re here for you.

The restaurant industry has changed and we look at the space differently. We offer coverage for:

  • New restaurant ventures
  • Fast casual
  • Fine dining
  • Wine bar
  • Fast food
  • Pizza shops
  • Ghost kitchens
  • And more...

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.