Executive Plans

Individual Plans

Workers Comp

Personal Lines

Commercial Lines

Group Benefits


43 © 2007-2016 All rights reserved. Made by Group Coverage, Inc., 55 W. Ames Ct., Ste. 400, Plainview, NY 11803 Privacy Policy  | Terms & Conditions | Directions | Site Map


Insurance & Employee Benefits

877-GROUP-11 or 516-576-0007

Share on Facebook Share on Twitter Share via e-mail Print Share on Delicious Share on Digg Share on Google Bookmarks Share on LiveJournal Share on Newsvine Share on Reddit Share on Stumble Upon Share on LinkedIn Share on Tumblr

Pizzerias & Pizza Parlors Insurance Basics

Insuring Pizzerias & Trattorias

Many Italian and Greek cafés are family owned and passed down from generation to generation. Although recently there has been a surge in franchising across the nation.  As the traditional neighborhood pizzerias transitions to corporate restaurant giants, the insurance requirements change significantly. However for those not looking to trade their family stock on the exchange, there are still a few programs that address the smaller businesses.  

In order to evaluate the insurance requirements, it is important to determine the risks of operating a pizza parlor.  The obvious liability exposures are trip and falls, food and airborne illness, liquor, and the auto exposure for deliveries.  Other concerns are the fire legal liability and personal & advertising injury.  

Insuring the contents and equipment should be calculated based on the current replacement cost.  

Generally the rating is determined based on the amount, the area, the construction of the building, and any fire protection safety equipment.  A way to keep the cost low is to raise the deductible or place a coinsurance requirement on the policy.  

Loss of business income would provide coverage for claims of income lost due to the suspension of business operation due to a covered cause of loss. Many BOP’s or business owners policies provide loss of income on an actual loss sustained basis for up to one year so it is generally not necessary to provide a dollar amount of coverage or a specific time period.  

Workers’ compensation and statutory disability or DBL insurance may be required by law.  Building coverage and limits for monies & securities, as well as plate glass insurance are additional options that may be important to consider.   






By William F. Schaake, CIC, CRM © 2011 All rights reserved

Pizza Pie


Learn about GUARD’s Restaurant Program, Extended Coverage on BOP’s at Competitive Rates

Find Out More >>

What types of coverage are important to consider?

Restaurants,  Bars & Taverns

Food & Airborne Illness

Spoilage - Contamination

Mechanical Breakdown

Loss of Business Income

Hired & Non-Owned Auto Liability

Employer Practices Liability

Temperature Change

Assault & Battery

Commercial Crime

Liquor Liability

Food Retailers, Distributors, Wholesalers and Manufacturers

Inland Marine

Product Liability


Request More Info

Type of Service

Hold “Ctrl” to Select Multiple Options


Commercial Property

Workers Comp & DBL

Unemployment Insurance

Loss of Business Income

Personal & Advertising

Settlement Options