Indian restaurants are among the most vibrant and flavourful hospitality businesses in Australia, but behind the spices, heat, and colour lie significant business risks. From tandoor ovens and deep fryers to curry stations, busy dining rooms, and delivery operations, Indian restaurants need specialised hospitality insurance that goes far beyond standard business cover.

Morgan Insurance Brokers works with a panel of specialist hospitality insurers who understand the unique risks of Indian restaurants, whether you run a dine-in venue, takeaway, or delivery-focused kitchen.

Why Indian Restaurants Need Specialist Insurance

Indian cuisine uses high-heat equipment, complex cooking methods, and high-traffic service layouts, all of which increase operational risk.

Common risks for Indian restaurants include:

• High fire risk from tandoor ovens, gas burners, deep fryers, and charcoal cooking
• Smoke and heat exposure, increasing exhaust and duct fire risk
• Slip and fall hazards from spills, busy floors, and fast-paced service
• Food contamination risks, including seafood, dairy, spices, and allergens
• Staff injuries, such as burns, cuts, repetitive strain, or lifting injuries
• Delivery-related risks for venues offering home delivery
• Equipment breakdown, especially refrigeration and cooking appliances
• High-value stock losses, including meats, spices, and bulk ingredients

Because of these exposures, Indian restaurants need specialist restaurant insurance, not generic retail business policies.

Indian Restaurant Insurance Cover Options

A tailored Indian Restaurant Insurance Package protects your venue from operational hazards, property damage, staff-related risks, and unexpected closures.

Business Property & Contents

Covers restaurant fit-out, furniture, décor, commercial kitchen equipment, POS systems, fridges, tandoors, utensils, and décor against fire, theft, storm, and accidental damage.

Public & Products Liability

Absolutely essential for restaurants. Covers injury or property damage, including:

• Customer slips and falls
• Burns from hot plates or food
• Food poisoning or allergic reactions
• Damage caused during deliveries

This is one of the most important policies for Indian restaurants.

Machinery Breakdown

Covers sudden breakdown of essential equipment, including:

• Tandoor ovens
• Gas burners
• Deep fryers
• Refrigerators & cool rooms
• Freezers
• Ventilation & exhaust systems
• Ovens & hot plates

A breakdown during service can force closures. This cover ensures fast repair or replacement.

Electronic Breakdown

Covers electrical equipment such as:

• POS terminals
• Ordering tablets
• Online booking systems
• Temperature monitors
• Refrigeration electronics

Stock & Food Spoilage

Protects perishable ingredients such as meats, seafood, dairy, vegetables, and curry bases if refrigeration fails or a power outage occurs.

General Property (Portable Equipment)

Ideal for mobile catering, food festivals, or external events. Covers portable cooking equipment, utensils, POP displays, and serving tools.

Goods in Transit

Covers ingredients and takeaway food items transported between locations or during delivery.

Business Interruption

Provides income protection if your restaurant is forced to close due to an insured event such as fire, storm damage, machinery failure, or contamination. Covers wages, rent, utilities, and ongoing expenses.

Glass & Signage

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

Money & Theft

Protects against cash theft, break-ins, vandalism, and internal theft.

Management Liability Insurance

Most Indian restaurants rely on a mix of full-time, part-time, and casual staff. This increases the risk of employment-related claims.

Management Liability covers:

• Unfair dismissal or wrongful termination
• Harassment or discrimination allegations
• Wage and award disputes
• OH&S investigations
• Claims of mismanagement

A must-have for any hospitality business with staff.

Cyber Insurance

Indian restaurants increasingly rely on:

• Delivery apps (Uber Eats, Menulog, DoorDash)
• Digital payments
• Online reservations
• POS systems
• QR menus

Cyber Insurance protects your business from:

• Ransomware
• Payment terminal hacks
• Data breaches
• Invoice scams
• POS or website downtime

Cyber attacks target businesses of all sizes, including restaurants.

Why Standard Insurers Often Decline Indian Restaurants

Many general insurers avoid restaurants using:

• High-heat cooking
• Deep fryers & oil-heavy cuisine
• Charcoal or tandoor cooking
• Large refrigeration demands
• Delivery operations
• High foot traffic

Standard policies often exclude the exact risks Indian restaurants face.

Morgan Insurance Brokers works with hospitality-focused insurers that cover these risks properly, not with dangerous exclusions or gaps.

Why Choose Morgan Insurance Brokers

We specialise in hospitality insurance and have extensive experience insuring Indian restaurants, curry houses, takeaway venues, and delivery kitchens across Australia.

Why restaurant owners choose us:

• Access to specialist hospitality insurers
• Tailored policies for Indian cuisine’s unique risks
• In-depth understanding of tandoor and high-heat cooking exposures
• Fast, personal service
• Full claims management
• Competitive pricing with comprehensive cover

We work for you, ensuring your restaurant receives the correct level of protection from day one.

Get a Quote for Indian Restaurant Insurance

Protect your Indian restaurant with a tailored insurance package designed specifically for high-heat cooking, dine-in service, takeaway, and delivery operations.

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