Chinese restaurants are some of the busiest and most diverse hospitality venues in Australia. With a combination of dine-in service, takeaway, delivery orders, commercial wok cooking, and high customer turnover, these restaurants face unique risks that standard insurers often refuse to cover properly.

Hot woks, high flames, oil vapours, deep fryers, delivery logistics, and food handling create a risk profile that requires specialist hospitality insurance, not basic retail or generic business cover.

Morgan Insurance Brokers works with a panel of specialist restaurant insurers who understand the risks of Chinese restaurants, from large dine-in venues to takeaway outlets and delivery-focused kitchens.

Why Chinese Restaurants Need Specialist Insurance

Chinese restaurants use high-heat cooking methods and fast-paced operations that significantly increase risk.

Common risk factors include:

• Wok cooking with extremely high flames and heat output
• Deep fryers used for dishes like spring rolls, fried rice, and crispy pork
• Oil vapours and grease build-up, increasing exhaust duct fire risk
• Slip and fall hazards from constant foot traffic and kitchen spills
• Cold room and freezer reliance, especially for seafood and produce
• Food contamination risks, including seafood, poultry, and allergens
• Delivery driver risks for restaurants offering home delivery
• Staff injuries, including burns, cuts, lifting injuries, and strains

These exposures mean Chinese restaurants need insurance tailored to high-heat cooking, takeaway operations, and delivery services.

Chinese Restaurant Insurance Cover Options

A tailored Chinese Restaurant Insurance Package protects your business from equipment failure, liability incidents, staff claims, and unexpected disruptions.

Business Property & Contents

Covers your restaurant fit-out, furniture, décor, kitchen equipment, appliances, and general contents from fire, theft, vandalism, or accidental damage.

Public & Products Liability

Absolutely essential. Covers injury or damage caused to customers, delivery drivers, or the public, including:

• Slip-and-fall incidents
• Burns from hot plates or cooking oil
• Food poisoning or allergen reactions
• Property damage caused during deliveries

High liability exposure means this cover must be arranged through specialist hospitality insurers.

Machinery Breakdown

Chinese restaurants rely on:

• Wok burners & wok ranges
• Deep fryers
• Steamers & rice cookers
• Refrigeration & cool rooms
• Freezers
• Exhaust & ventilation systems

A breakdown can shut down service immediately. Machinery breakdown ensures quick repairs or replacement.

Electronic Breakdown

Protects POS systems, online ordering tablets, temperature controllers, kitchen display screens, and other electronic equipment.

Stock & Food Spoilage

Covers loss of perishable stock like seafood, meat, vegetables, and cooked items due to refrigeration failure, power outage, or contamination.

General Property (Portable Equipment)

Ideal for mobile catering, outdoor service, or pop-up food stalls. Covers portable cooking gear, utensils, and event equipment.

Goods in Transit

Covers ingredients, supplies, and takeaway food while being transported — especially useful for businesses with delivery operations.

Business Interruption

Covers lost income if your restaurant must close due to fire, equipment breakdown, storm damage, or other insured events. Helps cover rent, wages, and fixed expenses.

Glass and Signage

Covers accidental breakage of external windows, display cabinets, and illuminated signage.

Money & Theft

Protection from burglary, cash theft, internal theft, and break-ins.

Management Liability Insurance

Chinese restaurants often operate with a mix of full-time, part-time, and casual staff. This increases the likelihood of HR-related claims.

Management Liability protects owners and directors from:

• Unfair dismissal claims
• Employee harassment or discrimination claims
• OH&S investigations
• Wage and award disputes
• Claims of mismanagement

This cover is essential for any hospitality business with employees.

Cyber Insurance

Chinese restaurants commonly rely on:

• Delivery platforms (Uber Eats, Menulog, DoorDash)
• Online ordering systems
• Payment terminals
• QR code menus
• POS integration

Cyber Insurance protects you from data breaches, ransomware, payment terminal hacks, invoice scams, and system outages.

Why Standard Insurers Often Decline Chinese Restaurants

General insurers frequently avoid Chinese restaurants due to:

• High fire risk from wok cooking
• Grease load in extraction systems
• High claim frequency for slips and burns
• Delivery liability complications
• Equipment-intensive kitchens
• High-value seafood stock

Standard business policies often exclude the very things you need covered.

Morgan Insurance Brokers works with hospitality-focused insurers who cover these risks properly.

Why Choose Morgan Insurance Brokers

We specialise in hospitality insurance and restaurant insurance, with deep experience covering Chinese restaurants, takeaway shops, and delivery-focused venues.

Owners choose us because:

• We access specialist insurers who accept high-risk cooking methods
• We tailor cover to dine-in, takeaway, and delivery setups
• We understand Chinese restaurant equipment and food handling risks
• We offer honest, personalised service
• We manage claims from start to finish
• We secure strong protection at competitive premiums

We work for you, ensuring your restaurant is properly covered, not underinsured.

Get a Quote for Chinese Restaurant Insurance

Protect your Chinese restaurant with a tailored hospitality insurance package designed for high-heat cooking, takeaway, and delivery operations.

Contact Morgan Insurance Brokers today for a free, no-obligation quote.