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Restaurant Insurance


You serve your customers, we serve your restaurant insurance needs. We’re dedicated to covering the front of house, the back of house and everything in between. At Badger Mutual, we’ve crafted our restaurant insurance to meet your special risks and needs that could arise. So, whether your bistro has a refrigeration breakdown, or family diner suffers damages in lost perishables, our agents will help you get back to business as quickly and easily as possible.

Worker’s 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.

Antennas, Satellite Dishes, Awning/Canopies, Fences & Signs$2,500$5,000$20,000
Property Off Premises$10,000$20,000$20,000
Increased Costs – Ordinance or Law$10,000$20,000$30,000
Personal Effects$1,000$5,000$5,000
Personal Property of Others$10,000$20,000$20,000
Property in Transit$5,000$10,000$10,000
Valuable Papers$10,000$20,000$20,000
Newly Acquired Buildings$250,000$300,000$300,000
Personal Property-Acquired Locations$100,000$150,000$150,000
Trees, Shrubs & Plants$1,000$2,500$2,500
Accounts Receivable$10,000$20,000$20,000
Food Spoilage$2,500$5,000$20,000
Money & Securities$2,500$5,000$5,000
Employee Dishonesty$10,000$25,000
Backup of Sewers & Drains$2,500$5,000$20,000
Recharging of Extinguishing System$250$5,000$5,000
Foundations, Retaining Walls, Piling, Piers, Wharves, or Docks$5,000$5,000
Fine Arts$5,000$20,000
Food Contamination--$20,000