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Insurance for Your Restaurant

You already know that having the right menu makes all the difference.

And when an accident happens, having the right restaurant insurance coverage can be just as important as what’s cooking in the kitchen.

Protect your restaurant with Selective Insurance

From accidental fires to slip-and-fall injuries, your restaurant needs protection against loss from a variety of risks. That’s why Selective and our local agency partners offer comprehensive business insurance to help protect your business and hard work against unexpected events.

Best of all, we offer various coverage and deductible levels to cater to your unique situation.

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Optional Coverages Tailored for Restaurants

Selective Insurance knows your business has unique coverage needs. That’s why we give you the option to customize your coverage further with additional coverage options.

For example, if you offer food delivery, consider our Commercial Auto insurance coverage. Maintain an expensive wine collection? There’s a coverage for that, too. Just one more way you enjoy the full buffet of options when selecting the right level of protection for your unique restaurant business.

Choose from several optional coverages and features, including:

Business income – actual loss sustained
Liquor liability
Wine collection
Employment practices liability
Commercial automobile
Workers compensation
Commercial umbrella
Crime insurance & fidelity bonds
Wide range of deductibles
Cyber liability
Crisis response

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Types of Restaurants We Insure

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Coverage Highlights

When choosing insurance for your restaurant, you need coverage that is both flexible and comprehensive.

That’s why Selective’s unique insurance package for restaurants includes basic property and liability coverage providing coverage against a wide range of different perils and scenarios.

For example, look to Selective for coverage protecting against loss from spoilage of refrigerated goods in the event of a power failure, or employee theft of money or other property. Your policy can also help protect against loss from fire, burglary, storm damage, bodily injury to patrons, and more.

Additional coverage highlights to consider include:

Property Insurance Advantages

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 Insurance Advantages

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

Risk Management Services

At Selective Insurance, we don’t just stop with policy coverage. Our Risk Management Team is available to support restaurants like yours with resources that can help manage your industry-specific risks. From staff training to regulatory guidance, Risk Management can help you create a safer environment for your employees and customers.

Selective can help you prevent claims before they occur with our extensive Risk Management services:

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 Risk Management services, click here.

Please contact your Selective agent for more information about our products and services for Restaurants.

Are you ready to learn how Selective Insurance can help you protect your restaurant business from the unexpected? Contact your local agent today to learn how you can Be Uniquely Insured.

For more information about Selective's coverages, click here.