Pizza Shop Insurance

What are the Top Insurance Companies for Pizza Shops? 

When it comes to choosing an insurance company to protect your pizza shop, it helps to have options. At Cross Insurance, we work with over 100 insurance carriers, from local companies to national names. Just like different restaurants vary in what they offer, so do different insurance companies. A local insurance agent can help identify different coverages you should consider based on the needs of your business.  

How Much is Insurance for a Pizza Shop?  

The best way to get an accurate picture of how much you will pay to insure your pizza shop is by requesting a quote. Factors like your location, the number of employees that you have, and the plans that you choose can all impact how much your premium could be.

Insurance Quotes for Pizza Shops

If you are looking to get a quote for your pizza shop or restaurant, reaching out to us is as simple as filling out this form. If you prefer to call one of our offices to start the quoting process, you can find a list of all of our offices here. From there, a member of our team will connect with you to get more details on the size of your business and the types of insurance plans you are interested in.

a chef sprinkles shredded cheese on to a pizza in a kitchen

Is a BOP Right for Your Pizza Shop? 

 A business owner’s policy, commonly referred to as a BOP, typically combines two common coverages for restaurants together- commercial property insurance, and general liability insurance. Commercial property insurance can help protect your equipment, like your ovens and dough mixers, your inventory, and your building. General liability insurance, on the other hand, will often include things like customer slip and falls, or product liability. 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

Reach out to your local insurance agent to see what business owner’s policies are available for your pizza shop.

Workers’ Compensation for Pizza Shops 

Most states will require you to have workers’ compensation if you have employees. A workers’ comp policy can help your employees who are injured or become ill because of work related events. The cost of your workers’ comp policy will depend on the location of your business, as well as how many employees you have.

a pizza delivery driver with a stack of pizzas in the front seat of his car

Commercial Auto for Pizza Delivery Services 

If you use vehicles for delivering pizzas, you should consider a commercial auto policy. Commercial auto policies typically have higher coverage limits than personal policies. When it comes to pizza delivery coverage, there are commonly two kinds- owned vehicle and non-owned vehicle. If your employees are using their own vehicles to make deliveries, you would want to look into non-owned. If you own a vehicle that you use for deliveries or events, you would want to look into owned vehicle.

Once you reach out to request a quote for a commercial auto policy, an insurance professional will likely need a list of drivers, the year, make, and model of the vehicles, and the radius they are being used in.

Commercial Umbrella Insurance  

Similar to liability insurance, commercial umbrella can cover medical expenses and attorney fees if your business is sued. Typically, a commercial umbrella policy would pick up when the other insurance policies have reached their limit.
a customer buys a pizza from a shop

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 protect you from lost income due to a covered peril.

Do I Need Insurance Before I Open My Pizza Shop? 

A pizza shop has many potential risks- from a customer tripping in the parking lot, to an employee burning themselves on a hot pan. These risks won’t take a day off just because it is your first week or month open. It is wise to have coverage in place before you open your pizza shop. If you have employees, you may even be obligated by the law to have workers’ compensation insurance in place depending on where you live. 


Some common coverages for pizza shops are commercial property and general liability. A business owner’s policy commonly can combine these together. If you offer pizza delivery, you should consider commercial auto insurance. Depending on where you live, workers’ comp coverage may be required if you have employees.


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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