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Pizzerias occupy a unique place within food service. Many function as an eat-in restaurant, take-out place and delivery service all at the same time, and some also provide off-site catering. Each of these activities presents a particular set of risks and insurance needs. Pizza shop insurance helps pizzerias in Vermont protect themselves from many of the various risks they face.
Pizza shop insurance policies are specialized commercial policies that have been uniquely designed to meet the coverage needs of pizzerias and similar food service businesses. Most policies are drafted as package policies that come with several standard and available coverages, and pizzerias can usually customize a particular policy’s coverages to suit their specific situation.
Most pizzerias in Vermont should procure pizzeria insurance. Not having insurance can be financially devastating if a business suffers a major lawsuit or disaster, and this is usually the most appropriate type of insurance for these businesses.
As mentioned, pizzeria insurance policies typically contain multiple coverages and those coverages often can be adjusted. For these reasons, the exact coverages that these policies come with often vary.
Nonetheless, there are a number of coverages that policies frequently make available. Some of the more commonly chosen ones are:
In addition to these protections, many pizzerias also need coverage for making deliveries. For most places, this means some form of commercial auto coverage is necessary. What form is needed usually depends on who owns the vehicles that are driven during deliveries.
If a pizzeria owns the vehicles that are used to make deliveries (including off-site catering deliveries), a full-fledged commercial auto insurance policy is normally in order. If employees use their own vehicles for deliveries, a hired and non-owned auto policy might be sufficient. This latter option generally provides liability coverage for vehicles that a business uses but others (e.g. employees) own.
While pizzeria policies vary in cost depending on a number of different factors, these policies are typically quite affordable. They’re almost certainly more affordable than what facing a major claim with no coverage in place could cost.
To find out exactly how much insuring a specific pizzeria would cost, business owners can contact an independent insurance agent who specializes in this type of insurance. Independent agents are able to compare quotes from multiple insurance companies in the state, and someone who has worked with other pizza places will be able to provide wise coverage and limit recommendations.
For help insuring a pizzeria that’s in Vermont, contact the independent insurance agents at Paige & Campbell Insurance. Our agents have assisted many pizzerias in the state, and we’re ready to help you find a robust pizza shop insurance policy that meets your particular place’s needs. With their assistance, you can be confident that the policy you ultimately selects will keep your pizzeria well protected against many covered risks.