Go to Top

Sports Bar and Tavern Insurance

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 night club, 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.

Badger Mutual–The Heart of Your Insurance Protection

A Special Mix of Coverage

Every cocktail needs the perfect mix of ingredients and every bar/tavern needs the perfect mix of insurance coverage. Our Sports Bar/Tavern Extension Endorsement* offers Silver and Gold coverage options for your custom coverage:

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 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.