Pizzeria Insurance | Pizza Shop Insurance | Pizza Delivery Insurance

A pizzeria is a staple in a neighborhood, it is a business that many community members revere with pride. Neighborhoods thrive on a reliable pizzeria, this is why it is important for them to purchase the right pizzeria insurance policy, to ensure that they're business will stay afloat. DurAmerica understands the importance of a pizza shop and can provide you with a business insurance policy that is unique to your pizzeria. With our wide variety of coverage's, we'll make sure your business will always stay protected, so your customers will never stay hungry.

Pizzeria Property Insurance

DurAmerica can insure all buildings and/or building property that you own at either it's replacement cost, or at cash value. If you do not own your building, we can provide similar coverage for the buildings contents, assuring that no matter what the loss you can get your business back on the ground as quickly as possible.

Loss of Use or Business Income

If your business were required to temporarily close it's doors because of an insurable loss (fire, water, theft) DurAmerica will be able to provide business income coverage to protect your businesses revenue stream while you are forced to either repair or rebuild your store.

Pizzeria Liability Insurance

Most of a pizza shops liabilities come from the foot traffic that comes in and out of your restaurant. Our general liability policies will cover slip and fall, products and completed operations liabilities, and any other risks that are common to a pizza parlor. All to cover your business against losses even if you are liable for damages, injury, or loss to another's property, reputation, or health.

Commercial Auto Insurance

As a pizzeria, almost half of your business comes from deliveries. In most states it is mandated that every vehicle being used for commercial purposes is covered by a commercial auto insurance policy. Our commercial auto insurance article (link to commercial auto page) can provide details on our extensive commercial auto insurance policies.

Hired Auto and Non-Owned Auto Insurance

Most pizza delivery workers use their personal vehicles to make deliveries. Usually the employees are in no position to pay the higher premium to extend their personal auto insurance to a commercial auto line, and the business cannot fully claim the vehicle under a commercial auto policy because the vehicle belongs to their employee. A hired auto and non-owned auto policy can get around this by fulfilling the state requirement for a commercial auto policy, without having to claim the employees personal vehicle for the business.

A hired auto policy is similar to an auto rental agencies liability insurance in that it covers any claims made against the client while they were using the vehicle, although in the case of a hired auto policy, the insurance would only take effect if the vehicle was being used for commercial uses. A non-owned auto policy protects your business against an auto accident that one of your employees has in their personal vehicle while they are fulfilling business duties.

Workers Compensation Insurance

Due the amount of day to day travel and interaction with numerous people, most insurance companies find pizza delivery to be a high risk business. Workers compensation insurance will remove the risk from the business by covering any claims against the business made by employees who get injured during on-the-job activities. Our workers compensation article (links to workers comp page) has more in depth information on our workers comp packages.

A pizza parlor is the hub of a community. We at DurAmerica look to not only protect your business, but also your entire neighborhood by protecting your business from losses and damages. Whether you currently own a pizzeria and are searching for lower premiums, or are opening one and looking for the best rate, we can provide your business with the most comprehensive coverage for the best price. Give us a call or fill out our online form to request a no obligation quote for your insurance needs.