Pizza Shop Insurance

​Everyone loves pizza! Pizza is big business. There are at least 10 pizza restaurants within 10 miles of our office, maybe even more than that. Yet, every one of them are successful and has their own loyal patrons. Pizzerias are multi-faceted establishments. They are part food-delivery services, some are also restaurants, some are strictly fast food with a few tables, some offer catering, and some also offer food delivery. 

Pizzerias are exposed to a number of potential risks. Without adequate insurance protection, one lawsuit from one of those risks could permanently shut down a pizzeria. As the owner, it is imperative that you maintain insurance for your pizzeria so it is properly protected.

​Types of covered events

Pizza shop insurance protects a pizzeria for the following types of events:

• A pizza burns and starts a fire, partially or completely destroying the business
• Severe thunderstorm causes a power outage, and all of the food spoils during the outage
• Driver making a delivery is involved in an auto accident
• Power storm ruins the shop's electrical system

Factors that affect premium

Insurance companies take many factors into account when determining premiums for pizza shops. A few considerations that will affect the price include: size of shop; location of shop; size of delivery area; history of claims filed; history of business insurance; and specific coverages and limits selected.

Which policies are available?

Many pizzeria insurance policies are prepackaged that offer a combination of coverages. The Business Owners Package (or BOP) is the most common. This policy covers property and general liability. It can be modified to fit your needs. However, it will not cover everything. You will need to purchase a separate Workers' Compensation policy.

If you deliver food, you will need coverage for the vehicles. If the pizza shop owns the vehicle, then you will need owned vehicle coverage. If the employees are using their own vehicle for delivery, you will need non-owned vehicle coverage.

Other policies to consider include employment practices liability insurance, commercial umbrella insurance, crime insurance, key person insurance, and cyber liability insurance.

​Pepe Insurance Agency is your trusted local insurance agent located in Poughquag, NY in Dutchess County. We do our best to make sure that our clients are well-protected with affordable business insurance. We make sure to go the extra mile to help you with your needs. To learn more about business insurance and to obtain a free quote, click on the button below.

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