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AFC Insurance Inc.
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AFC Insurance Inc.
Contact Us
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Pizza Delivery Insurance

Pizza Delivery Insurance is our specialty! This program from AFC Insurance Inc. is designed to meet the unique needs of pizza restaurants and deli operators—whether they offer delivery services or not.

Our comprehensive solution is written on a Business Owners Policy (BOP) platform and includes a wide array of coverage enhancements tailored for small businesses. Ideal for independent "Mom and Pop" pizza shops as well as certain pizza delivery franchises, the program offers vital protection for key exposures in the food service industry.

Pizza Delivery Insurance

Ideal Accounts and Appetite

Agents can confidently place accounts such as:
  • Independent pizza restaurants with or without delivery services
  • Delis and sandwich shops with limited cooking operations
  • Franchise pizza operators (excluding major chains like Domino’s)
This program is a great fit for insureds seeking broad protection against property, liability, and delivery-related exposures. Examples include a family-owned pizzeria offering in-house delivery or a local deli that doesn’t deliver but still needs comprehensive BOP coverage with food contamination and crisis response protection.

Coverage Highlights and Enhancements

The base BOP package includes:
  • Business Personal Property, including Tenants
  • Improvements & Betterments
  • Business Liability
  • Data Compromise
  • Crisis Management
  • Food Contamination
  • Identity Recovery
  • Blanket Additional Insured
Optional coverages available in most states:
  • Delivery (Employer’s Non-Owned Auto)
  • Employer’s Owned Auto
  • Liquor Liability
  • Employee Benefits Liability
  • Payment Card Security Extra Expense

Underwriting Notes and Eligibility

To maintain underwriting integrity, AFC Insurance Inc. considers the following classes ineligible:
  1. Bars with full-service operations
  2. Domino’s Pizza delivery restaurants
  3. Operations that serve hard liquor
  4. Any business with more than 10% total alcohol sales
  5. Monoline auto (e.g., standalone commercial auto for delivery)
  6. Businesses with 25% or more of sales from grilling or frying
Minimum premiums vary depending on the specific risk profile and location.

Territories and Availability

This program is available in all 50 states plus Washington, DC. Whether your client is in a metro area or a small town, AFC Insurance Inc. is equipped to provide coverage solutions nationwide.

Why Work With AFC Insurance Inc.?

As a specialized program administrator, AFC Insurance Inc. brings focused underwriting expertise and strong market access for food service operations. We understand the daily risks pizza operators face, from food spoilage to data breaches and delivery-related auto exposures. Our program is crafted with flexibility and breadth to help agents deliver competitive solutions to their food service clients—whether delivery is part of the operation or not.

Let us help you place your next pizza delivery or deli account with confidence.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for independent pizza restaurants, delis, and certain pizza franchises that do not exceed limits on alcohol sales or cooking methods. Both delivery and non-delivery operations are eligible.

Is delivery coverage included in the base policy?

No, but delivery coverage such as Employer’s Non-Owned Auto and Employer’s Owned Auto can be added in most states as optional endorsements.

Are there specific classes that are not eligible?

Yes. Ineligible classes include full-service bars, Domino’s locations, businesses with hard liquor or high alcohol sales, monoline auto risks, and grilling/frying-heavy operations.

Can I write accounts in any state?

Yes, the program is available in all 50 states and Washington, DC, making it suitable for agents across the country.

What makes AFC Insurance Inc. a strong partner for this niche?

AFC Insurance Inc. specializes in pizza and deli risks and delivers tailored coverage, responsive underwriting, and access to multiple carriers to help agents meet their clients’ unique needs.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Program Administrator
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    Our markets are A rated carriers written exclusively through independent agents and brokers
  • Commission:
    Available on request
  • Min Premium:
    Varies

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CONTACT INFORMATION

LOCATION

There are no locations attached to this storefront.

APPLICATIONS

  • Forms Directory

    Submission Requirements:

    • Program Application
    • Auto Application
    • 4 Years Currently Valued Loss Runs
    • Claims Details - If Applicable
    • Owner's Experience if New Venture

AGENCY LICENSING

 
Producer Requirements:
Producer Agreement
Producer Profile
Copy of Agency's License
Copy of E&O (dec page or certificate)
W-9
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AFC Insurance Inc. has other insurance programs like Addiction Treatment Center Insurance.