What protections are available through pizzeria insurance policies?
Pizzeria insurance policies normally bundle several coverages together in order to protect against multiple risks. Most of these can be classified as either property or liability protections.
Some commonly offered property protections include:
- Commercial Building Coverage, which may cover a pizzeria-owned building
- Tenants Betterments Coverage, which may cover a pizzeria’s build-out of leased space
- Contents Coverage, which may cover ovens, dining furniture, ingredients and other items
- Equipment Breakdown Coverage, which may cover ovens and other equipment if it malfunctions
- Food Contamination Coverage, which may cover food spoilage following a disaster
Some widely available liability protections are:
What type of commercial auto insurance do pizzerias need?
Pizzerias that offer delivery and/or catering may need commercial auto insurance, depending on the specifics of their setup. There are a few potential commercial auto solutions.
First, pizzerias can offer delivery through an independent food-delivery service. When deliveries are actually made by another entity, such as a platform, the responsibility of securing any necessary commercial auto insurance usually falls to the delivery service -- and not a pizza shop.
Second, hired/non-owned commercial auto insurance is usually most suitable when employees drive personal vehicles for work purposes. This is the most appropriate commercial auto solution for most pizzerias. The insurance normally provides liability insurance while delivery drivers use their own work when making deliveries.
This, pizzerias that own their own vehicle typically have to carry a full commercial auto insurance policy. This is the main policy type used to insure company-owned vehicles, such as food trucks or delivery vans.
An insurance agent who specializes in pizzeria insurance can help pizza shops determine which auto insurance solution is best for their situation.
How much do pizza shop policies cost?
Premiums for pizza shop policies vary, for they’re based on a multitude of factors. Everything from a pizzeria’s location and menu, to its revenues and claims history can have an impact on cost.
Even with variance among policies’ premiums, however, the insurance tends to be affordable. It’s almost certainly less costly than what a major incident could be to recover from.
How can pizzerias get pizza shop insurance?
For help insuring a Massachusetts pizzeria, contact the independent insurance agents at Scotti Insurance Agency. Our agents will help you determine what coverage your pizzeria needs, and then we can show you pizza shop insurance policy options that meet those needs. Because we’re an independent agency, we can check different insurers’ policies so that you end up with the best one.
