What Kind of Insurance Do I Need for a Pizza Shop Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- 22 hours ago
- 2 min read
Opening a pizza shop is a rewarding venture—but like any restaurant, it comes with risks. From kitchen fires to delivery accidents, unexpected events can disrupt operations and impact your bottom line. That’s why having the right insurance coverage is essential for protecting your pizza shop and ensuring long-term success.
In this guide, we’ll break down the types of insurance every pizza shop owner should consider and how Wexford Insurance can help you find the right coverage tailored to your business.
Why Pizza Shop Insurance Matters
Pizza shops face unique risks:
Hot ovens and open flames
Food safety and customer health
Delivery vehicle accidents
Employee injuries
Equipment breakdowns
Without proper insurance, these incidents can lead to costly lawsuits, repairs, or even business closure.
Essential Insurance Coverage for Pizza Shops
Protects your business if a customer is injured on your premises or claims property damage. It also covers legal fees and settlements.
Covers damage to your building, kitchen equipment, signage, and inventory due to fire, theft, vandalism, or natural disasters.
If your pizza shop offers delivery using company-owned vehicles, this insurance covers accidents, vehicle damage, and liability.
Required in most states if you have employees. It covers medical expenses and lost wages if an employee is injured on the job.
💡Read More: Workers comp requirements by state
Covers repair or replacement costs for essential equipment like ovens, refrigerators, and mixers if they break down due to mechanical failure.
Protects your business if food spoilage or contamination leads to illness, loss of inventory, or temporary closure.
Helps cover lost income and operating expenses if your pizza shop is forced to close temporarily due to a covered event.
How Wexford Insurance Can Help
At Wexford Insurance, we specialize in pizza shop business insurance tailored to the food service industry. We work with top insurance providers to help you:
Customize coverage based on your business model
Understand state requirements
Get competitive quotes
Stay protected as your business grows
Final Thoughts
Running a pizza shop is a delicious business—but it’s not without risks. The right insurance coverage protects your investment, your team, and your customers. Whether you’re just starting out or expanding your operation, Wexford Insurance is here to help you find the coverage you need.
📞 Need help insuring your pizza shop?
Contact Wexford Insurance today to get started.
