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.


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.

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