The topics of pizza seems to becoming more and more popular by the day – from funny pizza memes, to hungry college kids and easy Pinterest recipes – pizza is everywhere!
What does this mean for pizza restaurant owners? It means that business is booming. People want pizza and they want it fresh and they want it fast.
But…did you know that delivering a fresh pizza can be a risky job? Cooks are rushing in the kitchen to get orders out the door and drivers are speeding to their delivery points – there is a lot of room for accident and error in this quick (and delicious) moving process. This is why pizza delivery business owners need to have insurance. Having the right insurance will protect the business, its employees and its customers.
Most pizza company insurance plans should include:
Car insurance: Auto policies can be for business-owned or non-owned cars and will protect your driver from liability risks while working. Every driver is required to be listed on a company-owned auto policy, which increases its cost, but insurance companies tend to prefer these policies because they know exactly how many vehicles your company’s employees are using to deliver pizzas.
Business owners policy: This policy is actually a combination of several types of coverages that are common for business owners such as general liability, property damage coverage and business interruption insurance.
Workers compensation: Workers compensation covers the driver in the event of any injury or illness that occurs while on the job. It provides for payment of medical expenses and lost wages.
Build your own pizza AND insurance
Just like you can build your own perfect pizza, business owners can build their own insurance plan. Talk to your agent (844-272-3420) to go over the policy options that are available and which provide the best coverage for your business and your employees.