Restaurant Insurance
Focus on the food. We'll protect your kitchen, your customers and your team — across Chinese, Western, café, hotpot and takeaway concepts.
- Up to 10% off for new customers
- 40+ years tailoring SME cover
- 30+ insurance providers compared
- Quote in 1–2 working days
Submit your documents in the morning — get your CoI in time to meet contract, venue or licensing requirements today.
Restaurant types we insure
From neighbourhood cha chaan teng to multi-branch concepts — we tailor cover to your kitchen, footprint and team size.
Cantonese, congee, dim sum, wontons & dumplings
Ramen, teppanyaki, sushi/sashimi, Korean BBQ
Cake shops, chocolate, Chinese tong sui, pastries
Cha chaan teng, ice rooms, noodle shops, dai pai dong
Sandwiches, burgers, food court outlets
Bubble tea, coffee shops, upstairs cafés, tea houses
Spanish, French, Swiss, Portuguese cuisine
Hotpot, steakhouses, skewers, pizza, vegetarian
A complete package for your restaurant
Mix and match the modules you need. We tailor wording, sums insured and excesses to your menu, footprint and headcount.
Fire & Property All Risks
Decoration, fixtures, kitchen equipment and stock against fire, water damage, theft and accidental damage.
Public / Third-Party Liability
Customer slips, food-related incidents and property damage — including legal defence and settlement costs.
Employees' Compensation
Statutory cover for waiters, chefs, kitchen and delivery staff — work injury, occupational disease and death.
Business Interruption
Loss of gross profit and ongoing expenses when the restaurant must close after an insured event.
Money Insurance
Cash on premises, in transit to the bank and in safes — protected against theft and robbery.
Group Medical (Optional)
Hospital, surgical and outpatient cover for your team — a strong perk in a tight F&B labour market.
Insure your restaurant in 4 simple steps
Share your details
Tell us your restaurant type, address, opening hours, number of staff, positions and payroll — via WhatsApp or our enquiry form.
Formal quotation
We compare 30+ insurers and return a formal quote within 1–2 working days (3–4 days for large or chain restaurants), with cover, exclusions and premium clearly listed.
Confirm & submit documents
Confirm by WhatsApp, then submit the signed proposal form, last 3 months of MPF records and payment.
Policy issued
Once payment is received we instruct the insurer; e-policy is emailed / WhatsApped, or a hard copy is mailed to your address.
Information we need to quote your restaurant insurance
Send us the following and we'll usually come back to you the same day.
- Insured name + nature of business (e.g. Western restaurant, Chinese tea house)
- Business hours & address
- Staff roles, headcount & total annual wages
- Shop floor area & number of seats
- Value of fit-out, stock and equipment / machinery
- Last 3 years' claims record
What does it mean to buy enough EC cover?
Insurers want to see your declared headcount and wages match your actual MPF contribution records — otherwise claims can be reduced or repudiated. Here's the rule of thumb HK insurers apply when issuing or renewing an EC policy.
Headcount & wages must match MPF records
Insurers usually request the latest 3 months of MPF contribution records before issuing a new or renewal EC policy. The names, headcount and wages on the proposal should match.
Staff aged over 65 — alternative proof accepted
Employees over 65 are exempt from MPF. For these workers you can provide salary slips, tax returns (IR56) or accounting records as proof of wages.
Under-declaring is risky
If actual wages exceed the declared figure at claim time, the insurer may apply average condition — paying only the proportion that was actually insured. Worst case: the claim is rejected for material non-disclosure.
- Declare gross annual wages, not net pay
- Include bonuses, commissions, allowances and overtime
- Update mid-term when you hire or your wage bill grows
EC Warranty — what every employer should know
Insurers attach Warranties to your EC policy to control risk based on your industry. If your employees' actual work falls outside a Warranty, your policy may be voided and a claim refused.
What is a Warranty?
A specific policy clause that restricts what your employees are allowed to do. Breach a Warranty and the insurer may void the policy and refuse to pay a claim.
Always check before you bind
Review which Warranties the insurer attached and make sure none of them conflict with what your team actually does on the job.
Most common EC Warranties
For reference only — exact wording follows the policy schedule.
- W6No delivery of goods by any means
- W7No delivery other than by hand or hand-trolley
- W12Employees restricted to indoor work only
- W17No erection, repair or maintenance work
- W32No work above 30 feet (height)
- W49Excludes loading/unloading on vessels, aircraft or docks
- W51No demolition work
- W55No work outside the building
- W71Employees not employed on vessels, aircraft, docks, piers or warehouses
- W100No handling of items over 550 lbs
- W204Extension to cover sub-contractors' employees
- W338Covers the named principal's legal liability for sub-contractors' employees
- W348Covers all insured listed on schedule for legal liability to sub-contractors' employees (incl. common law)
- CSEConstruction Site Exclusion — no work within a construction site
- Named basisCover applies on a named-employee basis only
Not sure if a Warranty fits your operations? Send us your policy — we'll review it and flag any clause that may conflict with your real work.
Which workers must be covered by EC?
Hong Kong's Employees' Compensation Ordinance covers anyone with an employer–employee relationship — regardless of hours, location or contract type. Self-employed individuals and independent sub-contractors fall outside.
Must be covered
- Part-time employees
- Salaried directors / bosses (of a Limited Co.)
- Overseas employees on company assignment
- Summer interns / trainees
- Part-time domestic helpers
Not required
- Sub-contractors (with their own staff)
- Self-employed persons (no employer)
Sub-contractors should hold their own EC policy for their own staff.
I'm the boss — do I need EC for myself?
It depends on your company's legal structure. The trick: a Limited Company is a separate legal entity, so even the boss is technically its 'employee'.
The company is the employer. Both the salaried director/boss and all salaried staff are employees of the company.
- Salaried director / boss Required
- Salaried employees Required
The boss IS the business — legally self-employed, not an employee. EC is only required for the people they hire.
- Boss = self-employed Not required
- Salaried employees Required
Already insured? Why get an alternative quote from us
Renewing on auto-pilot is the easiest way to overpay or stay under-covered. A 5-minute alternative quote gives you three concrete wins.
Review your existing policy
We read your current schedule and flag warranties, sums insured or exclusions that no longer fit your operations — before they hurt a claim.
Reset to a clean-claim rate
Quotes typically only consider the last 3 years of claims history. If a past incident is older than that, you're effectively a clean risk — and that often unlocks a lower premium.
Get a commercial-line specialist
If your current agent mainly handles life or personal insurance, EC and commercial claims can fall outside their day-to-day. A commercial specialist follows up your claim end-to-end.
Restaurant insurance — answered
Ready to protect your restaurant?
Tell us about your concept on WhatsApp — we'll return a tailored quote within 1–2 working days.