West Bend Mutual Insurance Company

West Bend Mutual Insurance Company was founded in 1894 in West Bend, Wisconsin and has been providing comprehensive insurance coverages and “The Silver Lining” for more than 120 years. At the core of everything we do lies a simple premise. A sincere desire to help our customers through problems and adversity. To make sure that positives come from negative situations. To step up when they need us. To do the right thing. The worst brings out our best. That’s The Silver Lining.

Call 877-900-5246.

West Bend Mutual Insurance

A Focus on Farm to Table, Family Oriented & Fine Dining

Restaurants: Protecting your business is our business   If you own a restaurant, you know. The most valuable things are also the hardest to get. Your business didn’t grow overnight. It came from years of hard work, confidence in what you could do, and making smart decisions. That’s why a business insurance policy from West Bend makes sense. It protects your valuable business so you can focus on doing what you do best.

This program is specially designed for these types of restaurants:

  • Fine dining/supper clubs;
  • Family-oriented restaurants;
  • Cafes;
  • Delicatessens or sub shops;
  • Pizza restaurants West Bend’s program offers a complete selection of coverages needed to protect you, your employees, and your property.

Property Coverages

Equipment Breakdown provides coverage when equipment breaks down suddenly and accidentally. It pays the cost to repair or replace the damaged equipment, as well as the costs you incur to get your business operating again. It also provides $50,000 for spoilage of perishable goods as a result of the breakdown.

Business Income provides coverage for the actual lost income and expenses you incur as a result of a covered physical loss to your property. Coverage is provided for up to 12 months without a dollar limitation.
Replacement Cost provides coverage for the cost to rebuild and replace property, without accounting for depreciation, if your property is damaged as the result of a covered peril.

Property Plus Pak: West Bend’s Plus Pak is an optional feature that provides additional coverage or increased limits of insurance, including coverage for accounts receivable and electronic equipment.

General Liability Coverages

Premises Liability provides coverage for the liability exposure that develops from your normal ownership, maintenance, and use of a premises, and from the conduct of your business operations.

Liquor Liability provides coverage for the liability you, as a merchant, may incur as the result of liquor being served by your restaurant.

Personal Injury provides coverage for injury, other than bodily injury, that results from false arrest, false detention, false imprisonment, malicious prosecution, wrongful eviction, wrongful entry, or the invasion of privacy of premises. It also includes injury caused by oral or written material that slanders a person, goods, products, services, or which violates the right to privacy. Liability Plus Pak is an optional feature that provides still more coverages to help protect your business against acts for which you or your business may be held liable.

Optional Coverages

Extended Replacement Cost Valuation (ERCV) pays up to 125% of the limit of insurance for your building. For example, if your building loss limit is $100,000, the ERCV will provide you with up to $125,000, protecting you against underinsurance if there’s a total loss.

Outdoor Signs covers the cost to repair or replace outdoor signs, including signs attached to the building and signs that are detached.

Employment Practices Liability Insurance provides coverage for claims brought against you due to alleged discrimination, sexual harassment, wrongful termination of employment, and breach of employment contract. These claims brought by employees, former employees, or potential employees can be costly. Claims against employers can result at any time, from the pre-hiring process to the exit interview, and even from individuals who were not hired or who worked for only a few days.

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