Pizzerias occupy a unique spot in the foodservice landscape. They tend to be part food-delivery service and part eat-in restaurant, and some even offer off-site catering at events. Each of these presents a slightly different set of risks that call for a particular set of coverages. Pizzeria insurance policies have many of the coverages that pizzerias in Massachusetts need to protect themselves from the risks they face.
Pizzeria insurance is a specialized form of commercial insurance that’s been specifically designed to meet the coverage needs of pizza places. Most policies are underwritten as package policies, which combine multiple coverages together in a single convenient policy. Often, pizzerias can customize the coverages in a policy to suit their specific situation.
The precise incidents that a pizzeria policy protects against are determined by that policy’s coverages, terms, conditions and exclusions. Depending on a policy’s protections, it might offer coverage for incidents like the following:
An oven catches on fire, and the fire spreads throughout the building
A power surge during a storm destroys an oven’s and a POS system’s electronics
During a power outage, food is left unrefrigerated and spoils
Improper food handling leads to an outbreak of a foodborne illness
A delivery driver hits another vehicle while making deliveries
Most pizza places in Massachusetts should consider having a pizzeria policy. Although many individual coverages in pizzeria policies can be found in other types of insurance policies, it’s pizzeria policies that normally have the best combination of coverage for pizza places.
Since pizza places frequently adjust their policy’s coverages, the exact protections included in pizzeria policies can vary. Nonetheless, there are many coverages that policies often make available as standard or optional protections. Some of these are:
General Liability Coverage, which may protect against common accidents and some liability suits
Commercial Building Coverage, which may protect a building that a pizzeria owns
Contents Coverage, which may protect a pizzeria’s freezers, refrigerators, fryers, ovens and other equipment against certain perils
Equipment Breakdown Coverage, which may protect a pizzeria’s equipment against unexpected malfunctions
Food Contamination Coverage, which may protect perishable ingredients from spoilage during covered incidents
Product Liability Coverage, which may protect against lawsuits arising from a foodborne illness that’s spread by a pizzeria
Pizza Delivery Insurance, which may be necessary if a pizzeria offers delivery
In addition to these, there are many other coverages that pizza places might want. Pizzerias should talk with an insurance agent who specializes in this type of insurance to learn more about what coverages are available and which ones make sense given a pizzeria’s specific situation.
Hired and non-owned auto coverage is a form of commercial insurance that’s commonly purchased by businesses which use vehicles for work purposes but don’t actually own those vehicles. The coverage generally provides liability protection for a business while not-company-owned vehicles are being driven for work.
Many pizzerias get this coverage because their employees use personal vehicles to make deliveries. Pizzerias that do own their own commercial vehicles often need more comprehensive commercial auto coverage.
Insurance companies consider many different factors when calculating premiums for pizzeria policies. Some of the items that might influence a policy’s cost include:
Where a pizzeria is located
How much business a pizzeria does
Whether a pizzeria has previously filed insurance claims
What coverages and limits a pizzeria selects
An independent insurance agent can help pizzerias find out how much different policies would cost them. Unlike captive agents, independent ones are able to request quotes from multiple insurance companies and help pizzerias select the best option.
For help finding pizzeria insurance, contact the independent insurance agents at The Feingold Companies. Our agents have assisted many Massachusetts pizza places with their insurance coverage needs, and we’re ready to help your establishment find a policy too.