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Selective Flood Agents

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Insurance for Your Restaurant

The right menu makes all the difference. At Selective, we give you the right menu of insurance options to 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?

Types of Restaurants We Insure

  • Fine dining restaurants
  • Family style restaurants

Coverage Highlights

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

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

Optional Coverages Tailored for Restaurants

  • 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

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

Safety Management Services

Selective can help you prevent claims before they occur with our extensive Safety 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 Safety Management services, click here.

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