Insurance for Pizza Shops in New Hampshire

Compare Insurance Quotes for Your Pizza Shop

Requesting quotes from different insurance carriers can be a time-consuming process. As a pizza shop owner, you are likely juggling day-to-day tasks like ordering ingredients, perfecting your menu, and keeping your staff and customers content.

Our local insurance agency works with 100 different carriers, from New England based companies, to national names. We can work with you to show you insurance coverage options for your business.

Wondering how much it will cost to insure your pizza shop in New Hampshire? The answer can vary depending on:

  • The number of employees you have
  • Where your pizza shop is located
  • The cost of your equipment like your pizza ovens
  • The coverages you choose

To get a picture of what it could cost to insure your business, reach out to our local insurance agency and request a quote. Starting the process is as simple as filling out our form here, or you can give us a call. From there, an insurance professional will connect with you to gather more information on your business. They may ask some questions about your company, such as how many locations and employees you have.

close up of chef making pizzas

Workers’ Compensation for New Hampshire Businesses

If you have employees working for you, you are required by law in New Hampshire to carry workers’ compensation insurance. This includes family members as well as part-time employees.

A workers’ comp policy can help your employees who are injured or become ill because of work related events. The cost of this coverage can depend on how many employees you have, as well as the location of your business.

Commercial Auto for Delivery Services

Does your New Hampshire pizza shop deliver? If so, you should consider a commercial auto policy. A personal auto insurance policy, as opposed to a commercial auto insurance policy, does not provide liability coverage if you are driving for hire (sometimes referred to as “using your vehicle for public or livery conveyance”). The term driving for hire includes delivery services such as pizza delivery. Reach out to request a quote for commercial auto delivery services. Once you reach out, an insurance professional will likely need:

  • A list of drivers
  • The year, make, and model of the delivery vehicles
  • Radius the vehicles are being used in

General Liability Insurance

This is a common coverage for business owners- and with good cause. Some examples of what general liability insurance will typically cover are customer slip and falls and copyright infringement in connection with certain advertisement disputes.

Commercial Property Insurance

If there was a fire at your business, your tables, chairs, and any kitchen equipment would be costly to repair. Commercial property coverage can help protect your building, furniture, and inventory against things like theft and fire. It is important to note that commercial property insurance plans vary from policy to policy. Reach out to our local office if you have questions on what it may cover, or need to add coverages for additional perils, like breakage of glass.

closeup of pizza through the glass display case at pizza shop

Business Interruption Insurance

When your business is interrupted by a covered peril, there are some typical expenses that might be covered by business interruption coverage, subject of course to policy limits and conditions. These expenses usually revolve around lost profits and the costs your business may incur due to relocating for a period of time. The following are some common expenses that business interruption insurance may reimburse you for during the covered period:

  • Lost profits
  • Mortgage & Rent
  • Taxes
  • Employee Wages
  • Loan Payments
  • Advertising
  • Training Costs
  • Relocation Fees

Your Local New Hampshire Insurance Agents

In order to protect the investment you have made in your pizza shop, you should connect with a local insurance agent to discuss your options. We are a local insurance agency with decades of experience in the state of New Hampshire. To us, small business owners are the pillars of our community. We’ve worked with pizza shops, restaurants, and many small businesses, and we would be happy to work with you. Our knowledgeable agents value customer service.

 

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This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

 

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