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Pizza Shop Insurance
Compare insurance for pizza shops
Protect your ovens, stock, and customers
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Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for small businesses, like pizza shops and pizzerias
Get cover to protect against claims from employees, customers & more
Get the protection you need with no needless extras
What is...
pizza shop insurance?
Running a pizza shop is more than just about serving up slices, it’s about keeping your business on the move, no matter what comes your way. Pizza shop insurance is here to help with exactly that, helping to cover unexpected events like customer claims, equipment breakdowns, and stock losses.
At Bionic, we’ll help you get tailored cover sorted. Whether you’re a small pizzeria or a chain, we’ll help you protect your slice of the market.
What type of pizza shops need insurance?
Bionic can help protect the majority of pizza businesses, including:
- Independent pizza shops
- Chain pizzerias
- Pizzerias with dine-in seating
- Caterers serving up pizza at events
- Static pizza vans or static food trucks
No matter how you’re serving up your pizza, we’ll help find the right cover for you.
Why do pizza shops need insurance?
Busy pizzerias come with their fair share of risk. Having the right insurance in place means you’re covered for things like:
- A customer claims they got food poisoning
- A customer slips and falls in your shop
- Your cooking equipment breaks down unexpectedly
- A break-in results in stolen cash or damaged property
- Your stock spoils due to a power outage
- An employee gets injured as a result of their work
Pizza shop insurance can help you manage these risks, help towards losses and ensures your business can keep running smoothly.
What does pizza shop insurance cover?
At Bionic, we know every pizzeria is unique, so we offer a range of cover options to keep you protected. Policies will vary per provider for pizza shop insurance, and limits and exclusions apply. Always refer to your policy wording for details. Your insurance package might include:
Public liability insurance
In case you injure someone or damage something while providing your services
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Business interruption insurance
To provide compensation if a listed event stops your business from running normally.
Stock and contents insurance
Provides cover for stock, including food & drink supplies against theft or damage by fire or other insured events
Product liability insurance
Covers you if a food or beverage item you sell causes illness and a claim is made against you.
Business equipment insurance
Protects your equipment like fryers, grills, and other essential gear in case they need to be replaced or repaired.
Equipment breakdown insurance
Covers the costs of repairing or replacing essential equipment in case of breakdowns.
Deterioration of stock
Protects against the cost of replacing spoiled stock like fresh toppings or frozen dough
What doesn’t it cover?
While pizza shop insurance provides a wide range of cover, there are some exclusions, including:
- Intentional damage – Damage caused on purpose isn’t covered.
- Neglect – Failing to maintain equipment or secure your property may void your policy.
- General wear and tear – Normal ageing or wear on equipment and tools isn’t included.
Double-check your policy details or speak to our team if you have any questions about what’s covered and what isn’t.
How much does pizza shop insurance cover cost?
Because all pizza shops are different, it’s difficult to give a solid figure for what you’ll be paying for this insurance without speaking to a broker. This is because your business is unique, and prices depend on a number of factors, including:
- Extent of cover — The more cover you opt for, the more expensive your package will likely be.
- Your insurer — Depending on who is willing to insure you, the price for their policies will vary.
- Location — The location of your business is taken into consideration when calculating the cost of your premiums.
- Claims history — If you’ve made a previous claim on your policy or had claims made against you, it may affect your future premiums.
What insurance do you need if you deliver pizzas?
Delivering food comes with its own risks, from accidents on the road to complaints about cold food. Takeaway insurance will only cover the food being delivered, not the vehicle or the driver.
In this case, you may need food delivery insurance or standard third-party cover. This provides cover for the delivery driver and vehicle delivering the food against car accidents. It normally costs more than standard car insurance because the drivers are likely to be out at busy times of the day, which poses a higher risk of accidents.
Unfortunately, at Bionic, we can’t cover your vehicle so you’ll need to arrange separate insurance for this, but it’s likely we can insure your business activities.
Get pizza shop covered with insurance from Bionic
From bustling kitchens to busy delivery routes, running a pizza shop can be unpredictable. That’s why we’re here to help you find insurance tailored to your business, keeping you covered no matter what comes your way.
Start your quote online today to compare business insurance quotes, and our UK-based team will be on-hand for support with any questions.
"Protecting your pizza shop is as important as perfecting your crust. With the right insurance, you can focus on serving up slices to happy customers."
James Barwell, Insurance Director
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
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