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.

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Pizza restaurant insurance usually combines general liability, property and equipment, workers compensation, and, critically, delivery and auto coverage, including hired and non-owned auto when drivers use their own vehicles.

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.

Frequently asked

Common questions.

What insurance does a pizza restaurant need?

Usually general liability, property and equipment, workers compensation, and delivery and auto coverage, including hired and non-owned auto when drivers use their own vehicles.

Are my delivery drivers covered using their own cars?

Personal auto policies generally exclude business use, so your business can be exposed. Hired and non-owned auto coverage is designed to address that gap. We confirm it is in place.

Does a pizza franchise set my insurance requirements?

Often yes. Franchise agreements commonly set limits, additional insured wording, and required coverages. We compare your program to the agreement.

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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.

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We match coverage to your menu, service model, and hours

We check liquor, delivery, and equipment exposure

We line up lease and certificate requirements

You get a clear read, no obligation

Related resources

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Coverage

Coverage for ovens, delivery, and the brand.

Tell us how your pizza operation runs and we will build coverage that fits the delivery model.