We help restaurants, bars, breweries, and hospitality businesses find insurance coverage that fits their operation, risks, and budget.
Food, Beverage & Hospitality Insurance for Wisconsin Businesses
From restaurants and bars to cafes and breweries, we understand the unique insurance needs of hospitality businesses.
No obligation • No pressure • Independent agency
Wisconsin Food, Beverage & Hospitality Insurance
Insurance Solutions for Restaurants, Bars, Cafés, Catering, Breweries & Hospitality Businesses
Food and hospitality businesses face a unique combination of customer-facing risk, employee exposure, strict health regulations, and property needs. Whether you run a restaurant in Milwaukee, a brewery in Racine, or a boutique lodging property in Waukesha, your insurance must cover the unexpected — without disrupting your operations.
Who We Insure
- Restaurants & fast-casual dining
- Bakeries & cafés
- Bars & taverns
- Coffee shops
- Catering companies
- Food trucks & mobile vendors
- Breweries & taprooms
- Small hotels & lodging properties
- Event venues & banquet halls
If your business serves food, drinks, or guests — Polar Insurance builds coverage tailored to your operations.
Essential Coverage for Food & Hospitality Businesses
Customer interaction, employee turnover, equipment reliance, and liquor exposure create a complex risk profile. The right policy package protects you from financial loss, lawsuits, equipment breakdowns, and business interruption.
General Liability Insurance
Protection against slips, falls, food-borne illness claims, customer injury, and property damage.
Most landlords and vendor agreements require this coverage.
Liquor Liability (Dram Shop)
Required for businesses that sell or serve alcohol. Covers claims related to over-service,
customer actions, and alcohol-related incidents.
Commercial Property Insurance
Protects the building, contents, inventory, refrigeration, furniture, signage, and improvements.
Essential for restaurants and lodging properties.
Business Interruption / Loss of Income
Covers lost revenue if you must close or reduce operations due to fire, equipment failure,
utility disruption, or covered claims.
Workers’ Compensation
Kitchen staff, servers, hospitality workers, and delivery employees face injury risk.
This coverage protects both you and your employees.
Equipment Breakdown
Coverage for refrigerators, coolers, freezers, HVAC, kitchen machinery, and electrical systems.
Critical for preventing major financial loss.
Food Spoilage & Contamination
Protects against loss of inventory from power outages, equipment failure, or contamination events.
Cyber Liability
Restaurants and hotels rely on POS systems, reservations, online ordering, and card payments — making cyber protection extremely important.
Why Food & Hospitality Businesses Choose Polar Insurance
- Access to competitive hospitality insurance carriers
- Coverage tailored for liquor-serving establishments
- Experience with franchise and multi-location operations
- Understanding of health inspections & compliance needs
- Fast COIs for vendors, landlords & events
- Affordable packages for small operators and new businesses
- Local support — real help when something disrupts your business
Service Areas
We proudly support hospitality clients across Southeast Wisconsin:
- Milwaukee & Wauwatosa
- Waukesha, Brookfield, Pewaukee
- Racine & Kenosha
- Mequon, Grafton, Cedarburg
- Oconomowoc, Delafield & Lake Country
Get a Food, Beverage & Hospitality Insurance Quote
Protect your business, staff, guests, and revenue with a customized policy designed for your industry.