Comprehensive Catering Insurance
One Policy, Four Key Protections

Tailor-made for Hong Kong restaurants, eateries, and food & beverage businesses. A single policy covering four essential areas of protection — property damage, public liability, employee compensation, and money loss — so you can run your business with confidence and total peace of mind.

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A Hong Kong cha chaan teng set meal in soft daylight: French toast with butter and syrup, ham macaroni soup and iced lemon tea

Transparent PremiumsNo Hidden Fees

FourCore Coverages

1 Business DayDedicated Response

Why Choose Us

Purpose-built for catering businesses.
We know your risks because we live in your industry.

Running a restaurant means facing risk at every turn — kitchen fires, customer injuries, staff workplace accidents, cash register theft, and more. Generic, one-size-fits-all insurance often falls short of covering these realities. At Asiagate, years of deep specialization in the catering sector give us the industry insight to design comprehensive, tailor-made protection for your business, safeguarding your operations with premiums below market rates.

An Asiagate catering client: a restaurant owner standing with arms folded, smiling in front of the glass door of their own shop

Industry-Specific Solutions

Tailored to the unique risks of the catering industry, our coverage is designed around what you actually need, so you're never paying extra for protection you'll never use.

Dedicated advisor, fast follow-up

Just fill in a few quick details, and your dedicated advisor will reach out within one business day. Clear promises, no hidden surprises.

End-to-End Insurance Support

From quotation to claims, your dedicated Client Manager provides personalized, one-on-one service throughout your journey.

Licensed agency, regulated by the IA

Insurance Agent License No. FA2505. Partnered with top-rated insurers including Asia Insurance, MSIG, Generali, and Hong Leong Insurance — credibility you can trust.

One policy, complete protection for your restaurant.

A single all-in-one plan covers the four biggest risks in catering service — no need to juggle multiple policies. Save time, cut costs, and close the gaps in your coverage.

Flames rising from a cha chaan teng kitchen stove, with scorch marks on the stainless steel wall behind — Open flames and grease buildup in kitchen extraction ducts are the top cause of restaurant fires.

01 · Property Damage Insurance

Protects your restaurant's fixtures, kitchen equipment, furniture, stock, and landlord's fittings against loss or damage from accidental events, including fire, flooding, theft, and malicious damage.

03 · Employee Compensation Insurance

Under the Employees' Compensation Ordinance (Cap. 282) of the Laws of Hong Kong, employers are legally required to insure their employees, covering compensation for work-related injuries, accidents, and occupational diseases.

Workplace accidentsOccupational diseasesStatutory compensation

Licensed Insurance AgencyLicense No. FA2505

1-Business-Day ResponseFast Quotes, Efficient Follow-Up

Dedicated Client ManagerOne-on-One Support, Start to Finish

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Catering Insurance Quote

Fill in a few quick details and one of our licensed advisors will reach out within one business day with a tailored protection plan and quote built around your business.

100% free quote, no hidden fees

Dedicated Response within 1 Business Day

Your information stays strictly confidential

No obligation — decide after you see your quote

Step 1 / 4 · Business details

Tell us about your restaurant

Shop Name / Policyholder *

Restaurant Type *

Restaurant Address *

Number of Seats *

Restaurant Size (sq ft)

Number of Employees *

Business Hours

Policy Expiry Date

Already have a policy? Enter the expiry date so we can plan ahead for you.

Which coverages do you need?

Choose Your Protection (Select all that apply)

Property Damage Insurance (kitchen equipment, renovations, stock, etc.) Public Liability Insurance (customer injury, food poisoning claims, etc.) Employee Compensation Insurance Money Loss Insurance (cash, safe theft)

Fixtures & Fittings Sum Insured (HK$)

Stock Sum Insured (HK$)

Total Annual Employee Payroll (HK$)

Public Liability Sum Insured (HK$)

Current Insurer

Special Coverage Needs or Remarks

Claims History

Any losses, claims, or incidents related to this coverage in the past 3 years?

No Yes

Your Contact Details (Last Step!)

Name *

Contact Number *

Email Address

Reviews from Catering Business Owners

Genuine stories from restaurant owners across Hong Kong

"My old policy was up for renewal with a steep premium hike. Asiagate compared quotes across several insurers and saved me almost 20% with even broader coverage. My account manager patiently answered every question I had."

Mr. ChanCha Chaan Teng Owner, Wan Chai

"A burst pipe in my kitchen last year caused serious damage. Asiagate's claims service was incredibly professional. They handled everything from start to finish so I didn't have to chase anyone. The claim went through smoothly and it saved me."

Ms. LeeJapanese Restaurant Owner, Mong Kok

"I'd just opened my restaurant and had no idea what coverage I needed. Asiagate's advisor patiently walked me through every option, without pushing anything I didn't need. One policy covered it all — so simple."

Mr. CheungWestern Café Owner, Sham Shui Po

Catering Insurance FAQs

How much does restaurant insurance cost per year?

Premiums vary by business size, staff count, seating capacity, and coverage scope. A mid-sized cha chaan teng (20–50 seats) typically starts from a few thousand HKD annually for comprehensive coverage. Exact pricing depends on your formal quote. Fill out our quote form for a tailored estimate.

Is Employee Compensation Insurance mandatory?

Yes. Under the Employees' Compensation Ordinance (Cap. 282) of Hong Kong law, all employers are required to insure their employees against work-related injury or death, including occupational diseases. Failure to comply can result in heavy fines and criminal liability.

Does Public Liability Insurance cover food poisoning incidents?

Generally, F&B Public Liability Insurance covers claims arising from customer illness or injury caused by food or drink. Exact coverage depends on individual policy terms. We recommend confirming details with our advisors to ensure your coverage matches your business needs.

Is the application process complicated? How long does it take?

It's simple. Submit our online quote form, and an advisor will contact you within one business day with a quote and coverage breakdown. Once confirmed, your policy is typically finalized and issued within a few business days.

Can I switch insurers if my current policy hasn't expired yet?

Yes. We recommend comparing quotes about a month before your policy expires to avoid any coverage gap. We'll help you review your current policy for gaps and time the switch to prevent overlapping premiums or lapses in coverage.

Comprehensive Catering Insurance
One Policy, Four Key Protections