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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For restaurants

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Fast And Comprehensive coverage for your clients

100% built for restaurants

We move quickly. Get appointed now, or start with a quote and complete an appointment later.

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We come hungry

Flexible coverage for almost anywhere that serves food

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

  • New restaurant ventures
  • Fast casual
  • Fine dining
  • Wine bars
  • Fast food
  • Pizza shops
  • Ghost kitchens
  • and more...
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A restaurant-focused submission with quote to bind in under 5 minutes

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Quote before getting appointed
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Share quotes with your clients
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Answer fewer questions at submission
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Customizable optional coverages
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Restaurant-specific questions for tailored coverage
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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
The dashboard of the Rainbow website showing how you can manage your policies

Our intuitive platform makes your job easier

100% digital, with self-serve capabilities for you and your clients.

  • Most risks can be bound without involving an underwriter. Quote 24/7
  • Refer to underwriting if you want to chat about a unique or tricky risk
  • Complete quote to bind within your account
  • Track quote statuses in real-time
  • All your active and historical policies at a glance
  • Transparent premium and commission viewing

Competitive profit share plans for agents

We know your time and energy is valuable.  Our commission plans are competitive and designed to incentivize you to put your quality restaurant clients with Rainbow.  Plus, the more we do together, the higher your compensation can be.

Once you hit certain metrics, you are automatically enrolled in our lucrative profit sharing plan.  This plan pays your agency a contingent bonus for helping us meet our goals.  Ask us how it works!

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.