Pizza delivery is a lucrative business due to the high demand for pizza. If you own a pizza delivery business, you know the risks associated with it. The rush to deliver pizza within a short time increases the risk of damage and injuries. Also, some pizza delivery drivers practice unsafe driving habits in an effort to deliver on time, increasing the risks associated with the business.
With all the risks associated with this business, it is important to get pizza delivery insurance, since catering insurance does not cover risks associated with this type of business. Insurance for pizza delivery protects you against various liabilities that could cost you money. This guide discusses pizza delivery driver insurance in detail and why it is important. We will also mention its cost and some of the best companies from whom you can get it.
Before proceeding, it's worth mentioning that in case you become ineligible for a pizza delivery insurance package. A quick alternative option is food delivery insurance.
A pizza delivery business insurance policy is vital for your pizza delivery business. This is because it covers the risks associated with this business. Whether you own an established pizza delivery business with many employees or run the business by yourself, getting pizza delivery car insurance is very important if you use a vehicle.
The risk associated with pizza delivery is overwhelming. In fact, according to the Labour Department statistics, pizza delivery and other drive-related businesses are the fifth riskiest. The situation is so bad that for every 100,000 workers, there are 40 deaths due to accidents, assaults, or robberies. Therefore, similarly to getting food vendor insurance, it is important to get an insurance policy that covers all the risks your pizza delivery business faces. Generally, pizza deliveryinsurance has policies like;
A commercial car insurance policy protects your pizza delivery business from various risks. It is an all-inclusive policy that protects pizza delivery businesses from risks arising from company vehicles. When a driver causes an accident delivering pizza, this insurance covers it.
This insurance policy combines a variety of insurance covers into one. It includes property damage insurance, business interruption insurance, and general liability insurance. As a business owner, you can choose from two or three separate auto insurance policies. These policies include company-owned coverage and employee-owned coverage. It is important to note that all your employees should be listed on this policy to benefit from it.
Before getting this policy, your insurance company will want to know the total number of vehicles your business owns and how many employees use them. Worker's compensation insurance is another important policy under pizza delivery insurance. It covers pizza delivery drivers against lost wages due to life-changing injuries. It also covers their medical expenses. It is important to have this insurance cover as a pizza delivery business due to the high risk.
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The average pizza delivery insurance cost is around $50 per month or about $600 annually for $1m pizza delivery liability insurance (general liability). However, it is important to note that several factors determine the cost of pizza delivery insurance. Some of them include the location, size of your pizza delivery business, number of vehicles you have, total payroll, and average sales. To give you an accurate estimate of pizza delivery insurance costs, here is a summary of how some of the best pizza delivery insurance companies charge monthly and annually.
| Company | Monthly | Yearly | Best for |
|---|---|---|---|
| Dominos | $35 | $400 | Domino's pizza delivery drivers |
| State Farm | $60 | $680 | Nationwide pizza delivery businesses |
| Progressive | $45 | $520 | Start-up pizza delivery business |
| Geico | $55 | $630 | Wide-reach pizza delivery businesses |
| Pizza Hut | $58 | $650 | Pizza Hut Delivery Businesses |
With knowledge of the importance of pizza delivery insurance, you might be thinking of buying it. Many companies offer pizza delivery insurance, but not all of them are reliable or have policies that fit your business. It is for that reason that we have sampled some of the best pizza delivery insurance companies that offer this policy. Read to know their pros, cons, and pricing for a $1 million general liability coverage.
You can compare pizza delivery business insurance quotes online from some of these companies and other leading ones, by clicking the 'Get Quotes' button, completing the questionnaire and have them compete on your business with their best bids!
Dominos Insurance has been in existence for many years. It offers its services globally, and you can also access them online. Domino's pizza delivery driver insurance is comprehensive and covers a wide range of claims. As a pizza delivery business owner, you will benefit from these policies immensely.
Domino's delivery driver insurance covers general and professional liability. For instance, when your driver causes an accident, dominos insurance for drivers will cover it. This will help protect against severe financial losses. Furthermore, dominos car insurance covers your vehicle against possible damage.
Immediate claim responsiveness
Affordable
Available worldwide
It doesn't cover some claims
Average cost: $35
Best for : Domino's pizza delivery businesses with large workforce
State Farm is one of the oldest insurance companies. It prides itself in offering comprehensive insurance coverage for all businesses, including pizza delivery. State Farm is one of the most popular companies offering insurance for delivery drivers. It is among the top pizza delivery insurance providers because it offers adequate coverage at an affordable price.
With State Farm, your pizza delivery business is covered against almost all claims. Be it third-party property damage or a driver sustaining injuries in an accident; this policy covers it all. You can also get tailored insurance that protects against your business's specific risks.
Comprehensive insurance cover
Coverage is available in almost every state
Tailored insurance cover for pizza delivery
Could be expensive
Average cost; $60
Best for: Pizza delivery businesses with nationwide reach.
Progressive Insurance is one of the most popular insurance companies globally. It provides its services in more than 150 countries, making it one of the most popular. As a pizza delivery business, you can benefit significantly from these policies.
Progressive Insurance offers tailored coverage for pizza delivery businesses. Their policies cover both general and professional liability. They have comprehensive insurance coverage that protects your business against many risks. What makes it unique is that third-party damage is included in its cheapest package.
Specifically covers pizza delivery
Offers a deductible reimbursement
Comprehensive insurance cover
Rideshare insurance is limited to some policies
Average cost: $45
Best for : Start-up pizza delivery businesses
Geico Insurance is one of the most popular insurance companies in the US. It has offices in all states in the country, with its services easily accessible. This company offers one of the most comprehensive policies for the pizza delivery business.
Geico offers tailored insurance cover that protects against a wide range of claims. Its policy covers general liability and professional liability. You can also get a tailored BOP policy.
Tailored insurance cover
Available worldwide
Fast claim responsiveness
Some policies could be expensive
Average cost: $55
Best for: Wide-reach pizza delivery businesses.
Pizza Hut is an established company. Being a pizza-making company, Pizza Hut understands what policies fit a pizza delivery business. Therefore, you will enjoy comprehensive coverage that protects your business against lawsuits.
Pizza Hut offers a wide range of insurance policies. Some of them include general liability, professional liability, and third-party-related liabilities.
Excellent customer service ratings
Tailored cover for pizza delivery businesses
Fast claim responsiveness
Could be expensive
Average cost : $58
Best for: Established pizza delivery businesses
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This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
Not all those who wander are lost.
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