General Liability | Property | Business Interruption | Delivery Coverage
Running a pizza shop means juggling ovens, orders, and delivery drivers — all while keeping customers happy and your operation running smoothly. From kitchen fires to delivery accidents, one unexpected event could disrupt your business or cost thousands out of pocket.
At Catanzaro Insurance, we help independent and franchise pizza shop owners across Ohio, Indiana, and Illinois protect their business from everyday risks. We understand the unique challenges of fast-paced food service — and we make getting coverage simple, fast, and affordable.
✅ What Coverage Does a Pizza Shop Need?
General Liability Insurance
Protects against customer injuries or property damage that happen in your shop — whether it’s a slip on a wet floor or a burn from hot food.
Property Coverage
Covers your building, ovens, refrigerators, furniture, and signage from fire, theft, or vandalism.
Business Interruption
If a fire or equipment failure forces you to close temporarily, this coverage replaces lost income and helps you pay ongoing expenses.
Commercial Auto / Hired & Non-Owned Auto (HNOA)
If you offer delivery, this coverage protects your business from liability and property damage involving employee or company-owned vehicles.
Workers’ Compensation
Covers medical bills and lost wages for employees injured on the job — from burns and slips to strains and cuts.
Equipment Breakdown
Covers repair or replacement of critical equipment like ovens, mixers, or refrigeration units if they fail unexpectedly.
Optional Coverages
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Crime Coverage: Protects against employee theft or burglary.
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Cyber Liability: Covers POS or customer data breaches.
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Umbrella Liability: Adds extra protection beyond your base policies.
🍕 Who Needs Pizza Shop Insurance?
We insure a wide range of pizza and quick-service food businesses, including:
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Local independent pizza shops
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Carryout and delivery restaurants
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Pizza franchises and multi-location operators
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Late-night or 24-hour pizzerias
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Shops offering dine-in, takeout, or catering
If your business serves pizza or operates ovens and delivery vehicles, you face specific risks that require tailored coverage — not a generic restaurant policy.
💼 Why Choose Catanzaro Insurance
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Licensed in Ohio, Indiana, Illinois, Wisconsin, Iowa, Arizona, and Texas
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Deep experience insuring quick-service and delivery restaurants
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Fast Certificates of Insurance for landlords or franchise requirements
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Real, human support — no call centers or pushy sales tactics
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Flexible, affordable options tailored for pizza shop owners
We help business owners make confident, informed decisions — protecting their operation from costly disruptions.
🔥 Real-World Scenarios
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An oven fire damages your kitchen — Property Coverage pays for repairs.
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A delivery driver rear-ends another vehicle — HNOA Coverage responds.
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A power outage spoils food inventory — Business Interruption replaces lost income.
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An employee slips while cleaning — Workers’ Compensation covers medical costs.
❓ Pizza Shop Insurance FAQs
Q: Do I need special coverage for delivery drivers?
A: Yes — standard auto insurance won’t cover business use. You’ll need Hired & Non-Owned Auto coverage.
Q: How much does pizza shop insurance cost in Ohio?
A: Most pizza shops pay $2,000–$5,000 per year, depending on size, staff, and delivery volume.
Q: Can you help with franchise or landlord insurance requirements?
A: Absolutely — we handle compliance quickly and issue Certificates as needed.
📞 Get a Free Pizza Shop Insurance Quote
Protect your restaurant, your staff, and your delivery operations with coverage designed specifically for pizza shops.
📞 Call 614-489-8383
📧 Email info@catanzaroinsurance.com
Or complete the short form below to request a quote.
We’ll review your setup, identify coverage gaps, and provide competitive options built for bar and grill owners in Ohio, Indiana, and Illinois.
🔗 Learn More
Learn more about insurance for food and beverage businesses here.