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Pizzerias risk reputational damage from bad reviews, food poisoning incidents, or lawsuits from unsatisfied customers.
Equipment breakdowns, such as refrigerator malfunctions, can lead to costly repairs and potential inventory loss.
Property damage, liability claims, employee injuries, business interruption, and cyber-attacks are common risks restaurants face, including pizza shops.
Can you personally handle a 6-figure legal settlement if someone gets injured at your shop?
Have you ever wondered: What is the average cost of a slip & fall injury lawsuit?
Running an uncovered pizzeria puts business owners at tremendous financial risk that can destroy their livelihoods.
One serious lawsuit, fire, theft, or liability claim can bankrupt uninsured pizza shops. That is why you need insurance to safeguard your business.
Liability insurance can help protect pizza shops from financial losses due to property damage, liability claims, employee injuries, business interruption, and cyber attacks.
Take the right step to protect your business by contacting The Allen Thomas Group.
We are insurance experts who can customize the right type of coverage for you, whether you provide pizza delivery services or run a pizza restaurant.
Click on the button below to get a quote quickly!
Table of Contents
Why Do You Need Pizza Shops Business Insurance?
Carrying appropriate insurance is crucial when running a pizza business. Property risks like fire could destroy your ovens and supplies unless you have property insurance. Commercial auto insurance is necessary if you offer delivery services and commute public roads – personal auto policies will not cover losses associated with your business.
Insurance also shows customers and financers you operate a legitimate, above-board business.
And increasingly greedy plaintiff lawyers target restaurants alleging food handling issues and illness.
The risks only increase if you offer catering functions and serve alcohol too.
Protect your pizza shop so you can focus on operational excellence rather than getting stuck managing liability claims.
Lawsuits related to wage violations have been filed against pizza chains, alleging underpayment of workers and failure to adequately reimburse delivery drivers for expenses.
Incidents of food poisoning or serving contaminated food can lead to lawsuits from unsatisfied customers, causing reputational damage and financial losses.
Adequate liability coverage can save your business from potential risks.
With that said, lets take a look at a comprehensive policy suite to cover your pizzeria!
Commercial General Liability Insurance
Choosing an insurance that covers bodily injury, property damage, and legal defense is critical.
Liability insurance protects if customers sue you over food poisoning, slips/falls, or other incidents traced to your premises/products. Limits start at $1 million.
Business Interruption Insurance
If you have this insurance in place, it reimburses lost income if you're forced to temporarily close after an insured loss during rebuilding.
The loss of business income can be devastating but business income insurance covers ongoing expenses like payroll, loans, utilities, etc.
Business Income and Extra Expense Insurance program reimburses net lost business income and continuing average operating expenses in case of a business interruption.
Workers' Compensation Insurance Coverage
Pizza shops can face lawsuits related to employee injuries, for example, slips and falls due to wet floors or accidents during delivery.
This can lead to claims for workers' compensation and liability for medical expenses.
Workers comp is one of the most important coverages you should consider for business purposes. You need coverage to foot medical bills/lost wages for W2 employees injured on the job per state laws.
Commercial Auto Insurance
Commercial car insurance protects delivery vehicles that employees are using to deliver your products to customers in the event of an auto accident or collision.
Business auto coverage satisfies hired and non-owned auto liability requirements imposed by many insurance professionals.
Any business using their own vehicles for business to make deliveries can benefit from this type of insurance.
Commercial Property Insurance
Insurance can protect you in the event of repairs or replacement.
It can cover repair or replacement costs of equipment, furnishings, and stock damaged by fire, storms, theft, and more on your business premises.
Property Insurance can help cover repairing or replacing physical property, such as buildings, equipment, and inventory.
Commercial Umbrella Liability Coverage
A commercial umbrella policy provides additional liability coverage above and beyond your other business insurance policies.
It kicks in when damages exceed the limits of those underlying policies.
Umbrella coverage starts around $1 million in additional protection, but limits of $5 million or more are common for restaurants, depending on their size and risks.
It provides that extra level of limits so your personal & business assets are not endangered.
Product Liability Insurance
When defective products cause harm or injury to a customer, that customer may sue your pizza shop for damages and suffering.
Product liability insurance pays for those damages and helps pay for related legal defense fees if needed.
Liquor Liability Insurance
Do you need liquor liability coverage for your pizza hut?
If you serve beer with your pies, this coverage protects you from legal liability if someone gets intoxicated and causes harm.
Bundling Liquor Liability as an endorsement on your General Liability policy is convenient and can sometimes qualify you for multi-policy discounts on premiums.
Is Cyber Liability Coverage Necessary?
Cyber liability coverage is a necessary investment for a pizza shop.
It helps with data breach response, cyber extortion threats, hacked bank accounts, and more.
Some business owners’ policies include cyber insurance as part of their coverage, offering a comprehensive protection plan for various risks, including cyber threats.
It is essential for pizza shop owners to evaluate their specific needs and risks when selecting an appropriate insurance policy, including cyber coverage.
Getting The Right Insurance For Your Pizza Shop
We know how frustrating and complex the process of finding the right coverage can be and how it slows down your ability to care for your customers.
Let us help fix it for you in 3 easy steps.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Our Carrier Partners
That allows us to find the best insurance rates for our food and beverage service clients.
Get A Pizza Shop Insurance Quote Now
The Allen Thomas Group has been in the insurance business for 20+ years. As independent insurance agents, we help you shop multiple A-rated insurers for optimal coverage, service, and pricing.
Pizza shop owners can expect white-glove assistance from our instance experts, who go above and beyond simply selling generic policies. Since you need more than just a business owner policy (bop), our experts can customize the pizza delivery coverage options so your food delivery business does not suffer further.
Additional benefits for the owner of a pizza shop include multi-policy discounts, premium financing, and complimentary risk management guidance.
It can help your shop boost safety and control expenses long-term.
Don’t settle for an off-the-shelf program – get tailored pizzeria insurance for your growing venture.
Contact us via our online form to preview custom insurance for pizza shop quotes right away. Or call (440) 826-3676 to speak with a specialist about your unique operational risks/needs.
Slice into savings while protecting your hard-earned assets properly.
When it comes to pizza shops, you cannot settle for anything less than comprehensive coverage.
Let us craft coverage to protect your pizzeria from potential risks so you enjoy peace of mind that your delivery service is safe.
What are you waiting for?
Get your insurance quote today from the leading insurance agency!
Frequently Asked Pizzeria Insurance Questions
Do I need commercial pizza delivery insurance policies if working from home?
Yes, virtually all carriers mandate commercial-grade coverage, even for home-based or mobile food operations.
Using residential lines won’t cover critical risks like customers getting sick from your pizza.
What are typical General Liability insurance limits restaurants carry?
Experts suggest securing $1 million per occurrence and a $3 million aggregate.
Higher traffic operations may opt for a $5 million aggregate. An Umbrella policy can quickly increase limits further for added protection.
Does my business property policy cover off-site catering events?
Verify that equipment and stock are covered when transporting items to catering gigs.
A common restriction is only extending protection at event sites for a limited number of days – say 60.
Extended catering trips may require notifying your agent.
What business auto insurance policy do I need to cover pizza delivery drivers?
Carry a Business/Commercial Auto policy that includes Hired and non-owned Liability is essential.
This type of insurance may protect you against bodily injury and property damage caused by drivers using personal or company vehicles for deliveries.
Make sure employees carry state minimum personal auto limits too.
What States Do You Provide Insurance In For Pizza Shop?
- Alabama
- Arizona
- California
- Colorado
- Connecticut
- Georgia
- Illinois
- Indiana
- Kansas
- Kentucky
- Michigan
- Minnesota
- Missouri
- Montana
- Nevada
- New York
- North Carolina
- Ohio
- Pennsylvania
- South Carolina
- Tennessee
- Utah
- Virginia
