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Sports Bar & Tavern Insurance


What happens when the local watering hole suffers water damage? Or when the town’s favorite tavern takes a hit from a storm? At Badger Mutual, we’ve crafted our tavern insurance to meet your special risks and needs that could arise. So, if something should go wrong, our agents are available right away to help you get back behind the bar in no time.

Take a look at what our Sports Bar/Tavern Insurance covers, and should you need something a little more specific, like increasing limits or adding the following,  just ask your agent.

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 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