Insurance for pizza restaurants.
Pizza restaurants combine hot ovens, dine-in and takeout, heavy delivery, and often a franchise brand. Delivery and auto exposure make this a different conversation than most restaurants.
Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.
Delivery and the auto exposure
Delivery is where pizza restaurants get caught. When drivers use their own cars, your business can still face liability, and personal auto policies exclude business use. Hired and non-owned auto coverage addresses that gap, and owned delivery vehicles need commercial auto.
Ovens, equipment, and staff
High-heat ovens create fire and equipment exposure, and a busy kitchen with delivery drivers raises workers compensation considerations. Property, equipment breakdown, and workers comp form the base of the program.
Franchise and volume
Many pizza operations are franchised, which means the brand often sets insurance limits and certificate requirements. We line your coverage up with the franchise agreement and the delivery model.
Common questions.
What insurance does a pizza restaurant need?
Are my delivery drivers covered using their own cars?
Does a pizza franchise set my insurance requirements?
Does your coverage match how you operate?
Tell us how your restaurant runs and we will check your limits, endorsements, and exclusions against the way you actually operate. Educational, no obligation.
Coverage for ovens, delivery, and the brand.
Tell us how your pizza operation runs and we will build coverage that fits the delivery model.