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?
6. Can you provide insurance anywhere in the state?

How do insurance companies define Florida Pizzeria Insurance?

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. Help protect your business with Florida Pizzeria Insurance today!

Have a Quick Question?

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.

Have a Quick Question?

What is the price of Pizzeria insurance?

There’s no single price, because insurers rate each pizzeria on its own details. The biggest factors are the ones our quote form asks about: your number of employees and payroll; your annual sales; the square footage of your location; whether you use subcontractors and whether they’re insured; the liability limits you want; and your claims history.

Send us those details through the quote form and we’ll compare options from the insurance companies we represent.

Is insurance for Pizzeria required in Florida?

Florida requires workers’ compensation once a pizzeria has four or more employees. Owners who are corporate officers or LLC members count toward that number; sole proprietors and partners don’t, unless they choose to be covered (Florida Division of Workers’ Compensation).

If you deliver, every vehicle registered in Florida must carry at least $10,000 of personal injury protection and $10,000 of property damage liability (Florida Department of Highway Safety and Motor Vehicles). If drivers use their own cars, ask us about hired and non-owned auto coverage.

Beyond that, the coverage you need usually comes from your lease, your lender or your customers’ contracts, which often require general liability with specific limits. Check those contracts before you sign.

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

Can you provide insurance anywhere in the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.