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Restaurant Insurance

Business Insurance that Feeds the Heart and Soul of the Restaurant Industry

Owners, managers, and chefs have a creative vision for their restaurant. They also have the heart and passion to work long hours, solving many challenges to ensure that vision comes true.

Whether you own a fine dining establishment, quaint bistro, or family diner, Badger Mutual Insurance Company has crafted its restaurant insurance to meet your special risks and needs. Other insurance companies may offer restaurant insurance, but they often don’t understand the unique challenges you face. We do. A power outage isn’t simply inconvenient, the loss of refrigeration could potentially cost your business hundreds, if not thousands of dollars in lost perishables. Our agents respond right away and help you get back to what you do best—creating and serving delicious meals to customers.

Badger Mutual–The Heart of Your Insurance Protection

A Perfect Blend of Coverage

Every recipe needs the perfect mix of ingredients and every restaurant needs the perfect mix of insurance coverages. Our Restaurant Extension Endorsement* offers Silver and Gold coverage options for your perfect blend:

Extensions

 
Antennas, Satellite Dishes, Awning/Canopies, Fences & Signs
Property Off Premises
Ordinance or Law
Personal Effects
Personal Property of Others
Property in Transit
Valuable Papers
Newly Acquired Buildings
Personal Property-Acquired Locations
Trees, Shrubs & Plants
Silver
$2,500
$10,000
$10,000
$1,000
$10,000
$5,000
$10,000
$250,000
$100,000
$1,000
Gold
$5,000
$20,000
$20,000
$5,000
$20,000
$10,000
$20,000
$300,000
$150,000
$2,500

Special Coverages

 
Accounts Receivable
Food Spoilage
Money & Securities
Employee Dishonesty
Backup of Sewers & Drains
Recharging of Extinguishing System
Foundations, Retaining Walls, Piling, Piers, Wharves, or Docks
Fine Arts
Silver
$10,000
$2,500
$2,500

$2,500
$250

Gold
$20,000
$5,000
$5,000
$10,000
$5,000
$5,000
$5,000
$5,000

And should your restaurant need that “something extra” our agents will work with you to further customize your Restaurant Program by increasing limits or adding coverages such as:

Workers’ Compensation (where available)—typically covers injuries or illnesses that occur as a result of duties performed on the job or while at work.

Umbrella Liability—provides additional liability protection over the primary liability insurance.

Business Income-Actual Loss Sustained—provides coverage for loss of business income due to interruptions such as power outages or natural disasters.

Glass—standard for most businesses, but others may want to increase limits to protect large exterior or decorative glass

Signs—typically applies to illuminated signs, but can cover others as well.

Crime—typically covers forgery, improper funds transfers, computer fraud, counterfeiting, and more.

Liquor Liability (where available)—provides coverage for lawsuits, settlements, and more—that arise due to damages or injuries caused by an intoxicated person.

Inland Marine—protects your property during transit, and the property of others at your location or in transit to or from your business.

*Please contact your agent and refer to the policy for detailed descriptions of coverage, limitations, and exclusions.