Business Insurance Checklist for Wisconsin Restaurants

Frequently Asked Questions

What insurance certifications do Wisconsin restaurants need?

Wisconsin restaurants need proof of general liability and workers compensation insurance to obtain and maintain their food service licenses. Liquor liability certification is required if you serve alcohol.

How much does restaurant insurance cost in Wisconsin?

Restaurant insurance typically costs $3,000 to $10,000+ per year, varying based on your restaurant size, number of employees, alcohol sales, delivery operations, and coverage limits.

What is business interruption insurance for restaurants?

Business interruption insurance covers lost income and ongoing expenses (like rent and payroll) if your restaurant is forced to close temporarily due to a covered event like a fire, storm damage, or equipment failure.

Does restaurant insurance cover food delivery?

Standard restaurant policies may not cover delivery operations. If you offer delivery, you need commercial auto coverage for delivery vehicles and may need to add hired and non-owned auto liability to cover employees using their personal vehicles.

What is employment practices liability insurance (EPLI) for restaurants?

EPLI covers claims from employees alleging wrongful termination, discrimination, harassment, or other employment-related issues. Given the high turnover rate in the restaurant industry, this coverage is increasingly important.