Insurance for Your Restaurant

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

• 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

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.