From independent restaurants and takeaway kitchens to large bar chains and club venues, MGG arranges specialist insurance coverage for food and beverage businesses across Hong Kong and Asia. We understand the unique challenges your industry faces every day.
Running a food and beverage business in Hong Kong means managing a constant stream of risks that most other industries simply do not face. Between fire hazards in a busy kitchen, a customer claiming food poisoning, a staff member injured on a wet floor, or stock spoiled overnight by a power outage, the financial exposure is real and significant.
A well-structured restaurant insurance package gives you financial protection and the confidence to focus on running your business. At MGG, we build tailored coverage around your specific operation, whether you run a single-unit restaurant in Causeway Bay or a multi-location chain across Hong Kong.
Why restaurant and bar owners in Hong Kong choose MGG:
Competitive pricing through our network of 12+ insurer partners and Lloyd's market access
Full package cover or individual policies, giving you the right coverage for your budget
Claims support from day one, with a dedicated team based in Sheung Wan, Hong Kong
Annual policy reviews to ensure your coverage grows with your business
Restaurant fires globally every year, making fire one of the most significant operational risks in food service
A worker is injured on the job in the restaurant industry worldwide, highlighting the need for employee protection cover
Maximum penalty for failing to hold valid Employees' Compensation Insurance, plus up to 2 years imprisonment
We arrange insurance coverage across a wide range of risks specific to food and beverage businesses in Hong Kong. Below are the core coverage types we place for our F&B clients.
Mandatory under Section 40 of the Employees' Compensation Ordinance (Cap. 282). Compulsory for every employer in Hong Kong, covering all restaurant and bar staff regardless of hours or contract type. The minimum policy limit must not fall below HK$100 million per event.
Covers your legal liabilities if a customer suffers bodily injury or property damage at your premises. For F&B businesses, this must include Food Poisoning Cover and, where applicable, Liquor Liability Cover. Commercial landlords in Hong Kong frequently require this before signing a lease.
Covers loss of income following a covered disaster or closure event. Can include operating expenses, payroll and obligations that continue when your restaurant is not generating revenue. Many policies extend to government-mandated closures.
Compensates for financial losses from ingredients or stock that spoil due to a power outage or refrigeration failure. For restaurants with significant fresh stock, this coverage provides meaningful financial support when equipment fails without warning.
With the rise of takeaway food and delivery services since the COVID-19 pandemic, this cover has become increasingly important. Protects against claims arising from harm caused by your food or drink products, whether served on your premises or delivered off-site.
Restaurants and bars handle significant cash daily. Covers theft of cash from premises during and after business hours, cash in transit, and employee theft. One of the most common operational loss categories in the Hong Kong hospitality industry.
For businesses operating delivery vehicles, staff transport or catering vans. Provides the protection your standard motor insurance does not cover for business use, particularly relevant for delivery-focused restaurant operations.
Protects your premises, kitchen equipment, fixtures, fittings and contents against fire, theft, accidental damage and other covered perils. Your equipment and fit-out typically represent a substantial capital investment deserving of proper protection.
Before thinking about optional coverage, every food and beverage business owner in Hong Kong must understand the insurance requirements that the law mandates from day one of trading.
We start by learning about your restaurant or bar, including your seating capacity, annual revenue, type of cuisine, claims history and specific operational risks. These factors all influence both your coverage needs and your premium.
Using our access to 12+ insurer partners and the Lloyd's market, we identify the right combination of cover at competitive pricing. We can arrange a comprehensive SME F&B bundled package or individual policies, depending on what makes sense for your operation.
For most standard restaurant and bar insurance requirements, we deliver a quote within 24 hours. We present the options clearly, without jargon, so you understand exactly what you are getting for your money.
Once your policy is in place, our team remains available for claims assistance, mid-term adjustments and annual renewal reviews. Your business will change over time, and your insurance should evolve with it.
Get fast, tailored business insurance with expert advice you can trust. Request a free quote or speak directly with our team today.
Hong Kong
Hong Kong
Hong Kong
Hong Kong
Hong Kong
Hong Kong
At M.G. Geraghty, we combine decades of expertise with a personal approach to insurance broking. Whether you need cover for your business, your family, or something truly specialist — we find the right solution at the right price.
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Read MoreWhether you are opening your first restaurant or reviewing cover for an existing operation, we will build the right insurance package around your specific risks. Fast quotes, honest advice, no jargon.
Specialist insurance brokers providing expert cover for individuals, families and businesses in Hong Kong and across Asia since 1990. Lloyd's Coverholder. Member of the Hong Kong Confederation of Insurance Brokers (No. 00169).
