As the list below shows, Selective’s program for restaurants offers a wide array of coverages to meet your specific needs. And many coverages are built in at no additional cost. Please contact your Selective agent for more information.
Property
- Personal Effects and Property of Customers, including theft
- Accidental Discharge of Automatic Cooking Protection Systems
- Spoilage of Refrigerated Property in the event of a power failure
- Back-up of sewers and drains
- Computers and Media
- Employee Dishonesty
- Seasonal Increase of Business Personal Property limit of insurance
- Credit Card Slips
- Fine Arts
- Extra Expense Insurance to help cover costs over and above normal expenses if you’re forced to rent additional equipment or space to restart or continue your operations as a result of an insured loss
- Outdoor Signs
- Ordinance or Law, to help cover increased construction or demolition costs and contingent liability
- Equipment Breakdown should an electrical or mechanical breakdown result in property Damage
General Liability
- Bodily Injury and Property Damage to help cover claims arising from your business operations
- Medical Payments to help cover payments arising from injuries to others that occur on your business premises, or as a result of your business operations
- Products Liability to help cover claims arising from your business operations
- Additional Insureds
- Fire Damage Legal Liability, including fire, lightning and explosion
To help you tailor your insurance program to your individual needs, Selective offers a variety of optional coverages, including:
- Business Income - when purchased, the program automatically provides Business Income Food Contamination Shutdown Coverage
- Liquor Liability
- Wine collection - market valuation
- Employment practices liability insurance
- Commercial Automobile Coverage – when purchased, the program automatically provides the following:
- Blanket Additional Insureds
- Hired Car Physical Damage
- Lease Gap Coverage
- Garagekeepers coverage
- Workers Compensation
- Commercial Umbrella
- Crime Insurance & Fidelity Bonds
- Wide Range of Deductibles
When you purchase insurance from Selective, you get more than just a policy. Our Safety Management team offers a wide array of value added services you need to help create a safer environment for your employees and customers and to help you manage your insurance costs by reducing claims.
- Best practices assessment/gap analysis
- Contractual liability consultation
- Customized workers compensation cost containment
- Driver and fleet safety programs
- Exposure reduction consultations
- OSHA 30-hour training
- Premises liability reviews
- Regulatory guidance
- Safety assessment and benchmarking tools
- Sprinkler system evaluation and analysis
- Supervisor accountability programs
- Thermographic infrared surveys
For more information about Selective's Safety Management services, click here.