What is Pizzeria Insurance?

Pizzeria insurance policies provide a unique mixture of insurance coverages that are designed to meet the needs of pizza shops. Many policies are package policies that contain several coverages, and they can be customized to meet a particular pizza shop’s needs. 

What Coverages Does Pizza Insurance Provide?

Since pizza insurance, as this type of insurance is sometimes called, can be customized, policies’ coverages vary. Some of the protections that may be available through a pizza insurance policy include:

  • General Liability Coverage, a broad liability coverage that provides protection for many different incidents
  • Product Liability Coverage, a liability coverage that may protect a pizzeria if it’s found responsible for spreading a food-borne illness
  • Contents Coverage, a form of property coverage that may cover pizza ovens, small wares, tables, seating, decorations, and similar items
  • Equipment Breakdown Coverage, which can help pay for repairs if a covered incident causes equipment to fail
  • Food Contamination Coverage, which might cover food supplies that spoil after a covered incident
  • Pizza Delivery Insurance, a commercial auto coverage that can help insure against incidents that occur while making deliveries

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Pizza delivery insurance is especially important for pizzerias in New York that offer deliveries. While making a delivery, an employee might cause an auto accident, or be involved in an auto accident with an uninsured or underinsured motorist. Pizza delivery insurance can help insure a business if it has to pay for damage or injuries resulting from such an accident. Some policies may also protect against theft that occurs while making deliveries. 

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Are There Different Kinds of Pizza Delivery Insurance Coverages?

Pizza delivery insurance coverages can be categorized into owned and non-owned policies. Owned policies are for pizzerias that use company vehicles to make deliveries, while non-owned policies are for pizzerias that have employees use their vehicles when delivering pies.

What Kinds of Incidents Does Pizza Insurance Protect Against?

Exactly what incidents a pizza policy protects against will depend on its terms and conditions. Some examples of scenarios that a policy might cover are:

  • A malfunction in a pizza oven that causes a fire
  • A power outage that causes freezers to turn off, which leads to food spoilage
  • Meat that isn’t handled properly, and customers become sick as a result
  • A delivery driver that is in an accident while making a delivery

What Businesses in New York Need Pizza Insurance?

Most pizzerias in New York should consider a pizza policy. Individual coverages can often be purchased through separate policies, but doing so makes the insurance-shopping process complex and often increases the total price of a pizza place’s insurance. Looking for a package policy that’s designed for pizza places makes it easier to manage bills and often nets a pizzeria some savings.

How Can Pizza Shops Get Pizzeria Insurance?

Shopping for pizzeria insurance is easy with the help of an independent insurance agent. An agent can quickly compare policies from multiple insurers that serve New York. They can show a pizza place the differences in coverage between the policies and help the pizzeria select the best choice.

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Protecting Your Shop is Important

Pizzerias occupy a unique space in the food service industry. Most are part restaurant and part food-delivery service, and many also offer some sort of catering. These different aspects expose pizza places to a number of potential risks. Pizzeria insurance helps protect pizza places in New York from many of the risks they face on a day-to-day basis.


Meet Your Industry Specialist

Jeff Kroeger

Principal, Senior Vice President, and Head of Commercial Lines, Mr. Kroeger also manages the company's hospitality book of business and is that unit's primary producer. He is a graduate of Montclair State University and was named a 2015 Young Gun Insurance Business America.

Jeff has been providing exceptional insurance for restaurants, bars, nightclubs, and more for many years. He understands the unique challenges this industry faces and delivers the right coverage at an affordable price.

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