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Why do pizzerias need insurance?
Your pizza place serves up hot pies as fast as it can make them—which is both wonderful and risky. Business insurance covers costs if a chef suffers a burn, or a customer claims they got food poisoning. It also helps you recover quickly after a fire, data breach, or burglary.
Find the right coverage
Insureon helps pizzerias find coverage that matches their unique insurance needs.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
What types of pizzeria insurance do I need?
These insurance policies cover the most common risks at pizza shops.
Business owner’s policy
Small pizza shops are often eligible for a business owner's policy, or BOP. This insurance package includes both commercial property coverage and general liability coverage at a discount.
BEST FOR
- Personal injury lawsuits
- Damaged business property
- Business interruption incidents
General liability insurance
A general liability policy covers common third-party risks, including claims that a pizza from your restaurant made a customer ill. It's required for most commercial leases.
BEST FOR
- Customer bodily injuries
- Damaged customer property
- Libel and other advertising injuries
Commercial auto insurance
This policy covers financial losses from an accident involving your pizza shop's delivery car, food truck, or other vehicle. Each state has its own requirements for auto liability insurance.
BEST FOR
- Medical bills from an accident
- Property damage from an accident
- Vehicle theft and vandalism
Workers’ compensation insurance
Most states require workers' comp for pizza businesses that have employees. It also protects sole proprietors from work-related medical bills that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Workplace injury lawsuits
Liquor liability insurance
This type of insurance coverage pays for legal fees, property repairs, and medical costs if your pizza place sells alcohol to an intoxicated customer who then causes harm.
BEST FOR
- Injuries caused by intoxicated patrons
- Property damaged by intoxicated patrons
- Legal defense costs
Cyber insurance
This policy helps pizza parlors recover after a cyberattack or data breach that exposes customer information. It's also known as cyber liability insurance or cybersecurity insurance.
BEST FOR
- Data breach notification costs
- Fraud monitoring services
- Cyber extortion payments
Looking for different coverage? See more policies.
How much does pizzeria insurance cost?
A small pizza joint with only a few workers will pay less for commercial insurance than a larger company.
Factors that can affect your premiums include:
- Type of business, such as fine dining or delivery
- Value of your pizza ovens and other property
- Business income
- Types of insurance purchased
- Policy limits and deductibles
- Coverage options, such as an additional insured
How do I get pizzeria business insurance?
It's easy to get pizzeria insurance or restaurant insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose a policy.
- Pay for your policy and download a certificate.
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance options for your pizza place, whether you work independently or hire employees.
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FAQs about pizzeria insurance
Review answers to common questions about insurance for pizza shops.
Will insurance cover my pizzeria if it's forced to close temporarily?
Yes, you can buy insurance that covers temporary closures caused by storms and other catastrophic events. This includes:
- Business interruption insurance helps cover lost profits, employee wages, and day-to-day operating expenses if your pizza place is forced to close due to a covered property claim. This includes closures from fires, vandalism, windstorms, and burglaries. It's also called business income insurance.
- Equipment breakdown coverage protects against financial losses related to the sudden breakdown of a pizza oven, refrigerator, point-of-sale device, or other equipment you depend on. However, it doesn't cover normal wear and tear.
Business interruption insurance is typically included in a business owner's policy. You can add equipment breakdown insurance to your BOP or commercial property policy as an endorsement.
Do pizzerias need to have product liability insurance?
Though it's not required by state law, you still need and should get a product liability policy. It might be required to sell pizza slices at farmers' markets, festivals, or other venues.
Product liability insurance covers claims related to:
- Allergic reactions
- Food poisoning
- Defective products
- Marketing defects
Any business in the supply chain, from manufacturers to wholesalers and retailers, could be held responsible if a product causes harm. For example, if a customer gets sick after eating pizza made by your pizza business, you could find yourself facing a lawsuit.
Product liability insurance helps pay for attorney's fees, court-ordered judgments, and settlements from product liability claims. It's usually included in your general liability policy.
Is food poisoning covered by pizza shop insurance?
Yes, the product liability coverage in your general liability policy protects your pizzeria from food poisoning claims due to undercooked, contaminated, or spoiled food. It will pay for a customer's medical bills and legal costs if they sue.
However, it won't protect against the cost of replacing spoiled perishable goods. For that, look to food contamination and spoilage insurance. This coverage helps pay for loss of inventory if your refrigeration equipment unexpectedly breaks, or if an extended power outage forces you to throw out the contents of a fridge or freezer.
Pizza restaurant owners can add this coverage to their business owner's policy as an endorsement.
Will pizzeria liability insurance cover pizza delivery?
If your pizza place offers delivery services, there are a couple liability policies you should carry:
- General liability / product liability insurance cover third-party customer lawsuits, such as a claim that a customer became ill from a pizza delivered to their home. Product liability insurance covers everything from pizza consumed in your restaurant to a jar of pizza sauce sold at your shop and eaten weeks or even months later.
- Commercial auto insurance pays for legal expenses, injuries, and property damage if your delivery vehicle or food truck is involved in an auto accident. Most states require this coverage for vehicles owned by a business.
Be aware that if your pizza shop earns a significant portion of its revenue from deliveries (more than 30% or 40%, depending on the insurance company), you'll be categorized as a delivery business instead of a restaurant. Choose the option for "Local Messengers and Local Delivery" when you apply for quotes with Insureon.
What other types of insurance are recommended for pizzerias?
Pizza shop owners can get protection against additional risks and liabilities with the following insurance products:
- Commercial property insurance: This policy covers furniture, pizza ovens, refrigerators, perishable goods, and every other item in your pizza place, including the building if you own it. It protects against financial losses from fires, storms, and burglaries.
- Hired and non-owned auto insurance (HNOA): Your personal auto insurance won't cover business-related driving, which is why pizza shop owners might need HNOA. This policy provides auto liability coverage for personal, leased, and rented vehicles used for delivery and other work purposes.
- Commercial umbrella insurance: Umbrella insurance boosts the protection of your general liability, commercial auto, and employer's liability insurance, activating when the limit is reached on your pizza place's underlying policy.
- Commercial crime insurance: Crime insurance, such as fidelity bonds and employee dishonesty coverage, protects your pizza shop and your customers from financial losses caused by theft, fraud, and other crimes.