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Types of Businesses We Insure

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Types of Restaurants We Insure

  • Fine dining restaurants
  • Family style restaurants

The Right Menu Makes All the Difference

At Selective, we give you the right menu of insurance options that fit your needs. Plus, Selective’s Safety Management Specialists provide services tailored to help improve a restaurant’s safety performance. Analyzing and assessing hazards; conducting safety inspections; and facilitating compliance with government regulations, including OSHA… Don’t you deserve an insurance company that caters to your needs?

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.

  • 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:
    1. Blanket Additional Insureds
    2. Hired Car Physical Damage
    3. 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.

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