Cheers—to Business Insurance that Understands the Bar/Tavern Industry



Making people feel at home—and providing a friendly place to enjoy a cocktail or beer with friends or a gathering spot to cheer on a favorite team—that’s the heart of the tavern industry. Owners take great pride in the beverages, and often the food, that is served. Many patrons pick a favorite spot and remain loyal for decades.

Whether you own a large sports bar, corner pub, or trendy nightclub, Badger Mutual Insurance Company has crafted its tavern insurance to meet your special risks and needs. Other insurance companies may offer bar/tavern insurance, but they often don’t understand the risks you’re most likely to encounter. Our agents respond right away and help you get back to what you do best—serving ice cold beer or signature drinks to customers.

Should your bar/tavern need that “special garnish,” our agents will work with you to further customize your Bar/Tavern 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.

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