What insurance coverage is recommended for restaurants?

Recommended Insurance Coverage for Restaurants in Wisconsin

Operating a restaurant in Wisconsin requires careful attention to insurance coverage to protect your business, employees, and customers. The following insurance types are commonly recommended for restaurant operations in the state.

• General Liability Insurance: Covers bodily injury, property damage, and personal injury claims from customers or third parties. Essential for protecting against accidents on your premises.
• Commercial Property Insurance: Protects your physical assets such as the building, kitchen equipment, furniture, and inventory from risks like fire, theft, or vandalism.
• Workers’ Compensation Insurance: Required in Wisconsin for businesses with employees. Covers medical expenses and lost wages if an employee is injured on the job.
• Liquor Liability Insurance: If your restaurant serves alcohol, this coverage is critical to protect against claims related to alcohol-related incidents.
• Business Interruption Insurance: Helps cover lost income and operating expenses if your restaurant must close temporarily due to a covered event such as a fire or natural disaster.
• Commercial Auto Insurance: Needed if your restaurant uses vehicles for deliveries or catering services.
• Employment Practices Liability Insurance (EPLI): Protects against claims related to employee discrimination, harassment, or wrongful termination, which is important given Wisconsin’s employment regulations.

As of 2026, it is practical to review your insurance policies annually to ensure adequate coverage based on changes in your restaurant’s size, services, and regulatory environment. Maintaining proper insurance supports compliance with Wisconsin state requirements and helps manage operational risks effectively.