How much does Restaurant insurance cost in Milwaukee, Wisconsin?

The estimated annual cost for a Restaurant in Milwaukee with one employee is between $1137 and $1673. The state base rate is $910.

What insurance is required for a Restaurant in Wisconsin?

In Wisconsin, businesses are subject to a 5.0% insurance tax. Restaurants typically need General Liability due to a risk factor of 1.4.

Restaurant Insurance Cost in Milwaukee, Wisconsin (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1137-$1673

Estimated Annual Premium

Monthly Average Breakdown

$112 / mo

Includes General Liability

Industry Risk Profile

Restaurants need coverage for customer slip-and-falls, foodborne illnesses, and liquor liability if alcohol is served.

Risk Factor1.4x

Location Factors

State Base Rate$910
Milwaukee Multiplier1x
State Tax Rate5.0%

Local Compliance FAQ

Is General Liability required in Milwaukee?

While Wisconsin law may not mandate it for all businesses, Restaurants often need proof of insurance to bid on local commercial projects in Milwaukee.

Why is the rate different here?

Your premium reflects Wisconsin's specific base rate of $910 and a local city multiplier of 1x.

Compare Restaurant Insurance in Other Wisconsin Cities

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How much does Restaurant Insurance cost in Milwaukee?