Pizza Shop Insurance in Massachusetts

What Is Pizza Shop Insurance?

Pizza places have a unique position within the foodservice industry. They’re part eat-in restaurant and part delivery service, and some also offer catering. Being multifaceted presents a complex mixture of risk exposure, and the various potential perils should be taken seriously. Pizza shop insurance helps protect Massachusetts pizza places from many of the risks they face.

Pizza shop insurance is a specialized form of commercial insurance that’s designed to meet the insurance needs of pizza places. Because these businesses usually are exposed to multiple risks, policies are typically created as package policies that contain several coverages within them.

What Coverages Do Pizzeria Insurance Policies Offer?

As mentioned, pizzeria insurance policies normally offer several coverages. Many of these can be categorized as either property or liability coverages, although there are a few others that don’t fall neatly into either of these two categories.

Some of the more common property coverages include:

Commercial Building Coverage, which might protect company-owned building and facilities

Tenants Betterment Coverage, which might protect improvements made to a leased space

Contents Coverage Coverage, which might protect equipment, tools, furniture and ingredients

Equipment Breakdown Coverage, which might protect essential equipment against breaking down

Food Contamination Coverage, which might protect food against contamination during a covered incident

Some of the more common liability coverage are:

General Liability Coverage, which might protect against defamation suits and common accidents

Product Liability Coverage, which might protect against serious cases of foodborne illness

Umbrella Liability Coverage, which might offer supplemental liability protection for large claims

Pizza delivery coverage and business interruption coverage are a couple of other coverages that pizzerias may need or want.

What Types of Pizza Delivery Coverage Are Available?

Pizza delivery coverage is frequently written as either owned vehicle or non-owned-vehicle coverage. Which of the two types a pizzeria needs normally depends on what vehicles are used to make deliveries.

Generally speaking, pizzerias that own their own vehicles are required to carry some form of owned-vehicle coverage. This coverage typically provides several protections for company-owned vehicles.

Non-owned vehicle coverage is usually for pizzerias that have employees use their personal cars to make deliveries. This option usually comes with liability protection in case an employee is in an accident while driving for work, but the protection often isn’t as robust as what owned-vehicle coverage offers.

Any pizzeria that has employees make deliveries on foot or via bike should speak with an insurance agent who specializes in pizzeria insurance. This is a relatively uncommon situation, and it calls for expertise when setting up coverages.

How Much Do Pizza Shop Policies Cost?

Pizza shop policies’ premiums are based on many factors and often vary as a result. The size of a pizzeria’s facility, where the facility is located, where a pizzeria delivers to and what limits are chosen all sometimes impact rates, as do many other items.

Even with so many factors to consider, though, policies tend to be affordable. They’re almost certainly more affordable than what facing a major claim with no protection in place could cost.

How Can Pizzerias in Massachusetts Get Pizza Shop Insurance?

For help insuring a pizzeria that’s in Massachusetts, contact the independent insurance agents at Roger Butler Insurance. Our agents have assisted many pizzerias in the state, and they’re ready to help you find a good pizza shop insurance policy.