Pizza Shop 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. 

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.

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. 

Prices could start from around £1.61 a day*.

But 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. 

_{*This price is for a pubs and restaurant policy – 10% of customers who were sold with one of our panel providers paid £588.20 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £49.02 a month or £1.61 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary based on your business requirements.}

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.  

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.