Restaurant Insurance in Wisconsin | MM Insurance Associates

Frequently Asked Questions

What insurance does a Wisconsin restaurant need?

Wisconsin restaurants need general liability, commercial property, workers compensation, liquor liability (if serving alcohol), food contamination coverage, business interruption insurance, and often commercial auto for delivery operations.

How much does restaurant insurance cost in Wisconsin?

Restaurant insurance typically costs between $3,000 and $10,000+ per year depending on your size, menu, alcohol sales, number of employees, and location. We can get you a custom proposal from multiple carriers.

Do Wisconsin restaurants need liquor liability insurance?

Yes, if you serve alcohol. Wisconsin's liquor liability laws mean you can be held responsible for injuries or damages caused by an intoxicated patron. Liquor liability insurance protects your restaurant from these claims.

What is food contamination insurance?

Food contamination insurance covers the costs of a foodborne illness outbreak, including lost income during a closure, disposal of contaminated food, cleanup, and liability claims from affected customers.

Does MM Insurance offer insurance for food trucks?

Yes. We can provide commercial auto, general liability, and product liability coverage for food trucks operating in Wisconsin.