Insurance for Pizza Shops in Rhode Island

Pizza Shop Insurance Quotes for Rhode Island 

Wondering how much it will cost to insure your pizza shop in Rhode Island? 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.

Your Rhode Island Insurance Agents 

We are a local insurance agency with decades of experience in the state of Rhode Island. 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. You deserve an insurance agent who cares about you, your business, and your community. Reach out to our office today to see how we can help your local business.

Workers’ Compensation for Rhode Island Businesses 

If you have employees working for you, you are required by law in Rhode Island to carry workers’ compensation insurance. 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 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, and the radius they are being used in.

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.

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, copyright infringement, and product liability. For example, if a bad batch of cheese makes a number of your customers very ill, that could fall under product liability.   

Business Owner’s Policies 

A BOP, or business owner’s policy, can combine two common coverages for restaurants together- general liability insurance and commercial property insurance. An advantage to choosing a business owner’s policy is that there is often a savings compared to getting the coverages separately. In addition to these coverages, you can choose to add coverages based on what plans are available to you. Some of these could include:

• Equipment breakdown
• Food spoilage
• Water damage
• Employee theft
• Employment practices liability

Business Interruption Insurance 

If your pizza shop were to have a fire, it could take weeks or even months to rebuild so you could start accepting orders again. Business interruption insurance can help protect you from lost income due to a covered peril.

Compare Insurance Quotes for Your Pizza Shop 

Requesting quotes from different insurance carriers can be a time consuming process. 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. Request a quote from our agency today.   

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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.