Running a Thai restaurant is rewarding, combining authentic flavours, busy service, and loyal customers. But whether you run a dine-in restaurant, takeaway, or both, your business faces daily risks that could interrupt operations or cause financial loss.

A tailored Thai restaurant insurance package helps protect your property, staff, and reputation, ensuring your business can keep serving customers no matter what happens.

At Morgan Insurance Brokers, we specialise in hospitality insurance for restaurants, cafés, and takeaway businesses across Australia. We understand the risks involved in running a Thai restaurant and know which insurers will cover you correctly.

Why Thai Restaurants Need Specialist Insurance

Thai restaurants often use high-heat cooking methods, fresh ingredients, and extended trading hours — all of which come with unique risks.

Key risk factors include:

• Fire hazard: Wok cooking, gas burners, and oil increase the potential for kitchen fires.
• Slippery floors: Frequent cleaning and high-traffic kitchens make slip and fall accidents more likely.
• Food safety: Handling seafood, chicken, and perishable ingredients requires constant temperature control to prevent spoilage or contamination.

Because of these risks, many standard insurers won’t offer full cover to restaurants without restrictions. That’s why you need a specialist hospitality broker who understands your industry.

Business Package Insurance for Thai Restaurants

A Business Package Insurance Policy provides essential protection for your restaurant and takeaway operations. It combines multiple covers into one easy-to-manage policy.

Contents and Stock

Protects your kitchen fit-out, cooking equipment, furniture, and food stock against fire, theft, or accidental damage.

Public Liability and Products Liability

Covers you if a customer or member of the public is injured, or their property is damaged, due to your business activities, such as a customer slipping or suffering an allergic reaction.

Machinery Breakdown

Covers critical equipment like fridges, freezers, cookers, and exhaust systems if they suddenly fail.

Electronic Breakdown

Protects your POS system, ordering tablets, and electronic devices from electrical or mechanical failure.

Glass Cover

Covers accidental breakage of shopfront windows, display cabinets, and internal glass.

Business Interruption

Helps you recover financially if you can’t trade following an insured event, such as a kitchen fire or storm damage.

Money and Theft Cover

Covers loss of cash or theft of business property from your premises.

Management Liability Insurance

If you employ staff, Management Liability Insurance is essential. It protects your business and management from claims such as unfair dismissal, harassment, or mismanagement.

Thai restaurants often rely on a mix of full-time and casual staff, which can increase HR-related risks. This cover provides legal and financial protection if disputes or investigations occur.

Cyber Insurance

Many Thai restaurants use online ordering systems, digital payment platforms, and customer databases. Cyber Insurance protects your business against hacking, ransomware, or data breaches, helping you recover lost income and protect your reputation.

Why Standard Insurers May Not Cover You

High-heat cooking, commercial exhaust systems, and long hours make Thai restaurants a higher-risk category for insurers. Many general insurance companies won’t quote for dine-in restaurants or those with takeaway operations due to increased fire and liability exposure.

Morgan Insurance Brokers works with a panel of specialist hospitality insurers who understand these risks. We ensure your policy includes comprehensive protection for your kitchen setup, food handling, and staff operations, without unnecessary exclusions.

Why Choose Morgan Insurance Brokers

At Morgan Insurance Brokers, we’re experts in hospitality insurance. We work with restaurants of all sizes, from small family-run Thai takeaways to large dine-in venues, to secure tailored cover that fits your business.

Why restaurant owners choose us:

• Access to a panel of specialist hospitality insurers
• Tailored insurance solutions for dine-in and takeaway venues
• Expert understanding of kitchen fire risks and compliance requirements
• Personalised advice and full claims support

We make sure your restaurant has the right protection at a competitive price so you can focus on serving great food.

Get a Quote for Thai Restaurant Insurance

Protect your Thai restaurant from unexpected events with a tailored insurance package from Morgan Insurance Brokers.

Contact us today for a free, no-obligation quote and let our hospitality insurance experts find the right cover for your business.

Get a Quote