Florida Pizzeria Insurance quote and information.

1. How do insurance companies define Pizzeria?
2. What risk exposure do Pizzeria have?
3. What is the price of Pizzeria insurance?
4. Is insurance for Pizzeria required in Florida?
5. What coverages are common to Pizzeria businesses?

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How do insurance companies define Pizzeria?

Pizzerias are Italian restaurants that specialize in serving pizzas. Other items may be included on the menu, but the driving force behind the restaurant is the pizza. Most offer pickup and delivery service as well as "eating in." Alcohol may be part of the operation but is often limited to beer and wine.

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What risk exposure do Pizzeria have?

• Property Exposure are from the cooking. Some pizzerias may have ovens and surface cooking while others may have deep fat cooking. If the cooking exposure is limited to the ovens and non-grease producing surface cooking, the fire exposure is viewed as a baking only exposure instead of a full cooking exposure. The more grease-laden vapor that is produced, the greater the exposure to potential fire. All grills and deep fat fryers must have fire extinguishing protection, hoods and filters. There should be fuel shut-offs and adequate hand-held fire extinguishers The kitchen must be kept grease free to prevent the spread of fire and also to protect employees. Kitchen cleanliness is the best prevention to fire. If a conveyor belt cooking method is used for the pizza and sandwiches, cleanup is important to prevent buildup and potential fire from the grease and crust that is spilled in Florida.
• Crime Exposures comes from the presence of large amounts of money, as well as stock. If the Florida restaurant sells cigarettes or provides alcohol, theft of stock could be a problem. If the cash receipts are high, both employee dishonesty and holdup are concerns that must be addressed.
• Premises Liability occurs from spilled food and also from interaction between the serving staff and the customer. All employees must be instructed in proper customer handling, including how to deal with disgruntled or overly enthusiastic customers.
• Liquor Liability can occur if beer and wine are served. The popularity of Florida pizzerias around college campuses can lead to underage drinking. Employees must be trained in checking IDs and being aware of intoxicated patrons. A refuse to serve procedure must be in place and managers must assist in following those procedures.
• Automobile Exposures are common when "on demand" delivery is provided. All drivers must have MVRs and should be drug tested. The MVRs should be updated on a regular basis. Guaranteed delivery times encourage reckless behavior and should not be permitted. Company vehicles should be used for all deliveries in order to monitor maintenance of the vehicles. If Florida employees use their own vehicles, the vehicles should be checked for maintenance and upkeep. Because most personal auto policies do not provide coverage when the vehicle is used for commercial purposes, requiring proof of insurance will be of little assistance.
• Workers Compensation exposures come from slip and fall, cuts, burns, and heavy and awkward lifting, along with interaction with Florida customers. Well-trained employees with an incentive to do their best will have the fewest injuries. Delivery drivers are subject to both driving hazards and interaction with the public. All delivery addresses should be checked before sending the driver and a procedure must be in place to check for driver if he or she does not return at a reasonable time.

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What is the price of Pizzeria insurance?

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Is insurance for Pizzeria required in Florida?

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What other insurance should a Pizzeria consider?

Commercial Property, Employee Dishonesty, Money and Securities, General Liability, Liquor Liability, Employee Benefits, Umbrella, Commercial Auto, Workers Compensation