Source: Selective Insurance Group — Commercial Insurance
Selective Insurance Group: Restaurants Insurance Appetite
Selective is a strong regional option for established restaurants in their Eastern US footprint. Their sweet spot is $5,000-$100,000 premium — mid-size restaurants with 2-5 locations and moderate workers' comp exposure. They offer a more consultative underwriting approach than digital-first carriers.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Workers' Compensation |
| Commercial Auto |
| Commercial Property |
| Umbrella/Excess |
| Professional Liability |
| Inland Marine |
Premium Range
$5,000-$50,000
Typical annual premium
Target States
30+ states, strongest in Eastern US
Key Features
- Comprehensive BOP and commercial package for mid-size restaurants
- Workers' comp with loss control services for kitchen safety
- Commercial auto for catering and delivery operations
- Equipment breakdown coverage for commercial kitchen equipment
- Experienced restaurant underwriting team in regional offices
Limitations
- Bars and nightclubs with primary liquor revenue are excluded
- Fast food franchises may require franchise-specific program
- Limited availability west of the Mississippi for some products
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