The Thailand Office of Insurance Commission published guidance encouraging restaurant and beverage operators to adopt appropriate insurance cover and outlined its “Restaurant Peace of Mind with Insurance Protection” initiative to increase insurance uptake and signal insured, risk-managed venues to consumers. The release cites estimates that the sector’s consumer spending averages around THB 600bn per year in 2025, supports more than one million jobs, and includes around 700,000 establishments. It highlights key operational risks including property damage from fire, floods and natural disasters, third-party liability incidents affecting customers, and losses from business interruption, as well as theft, litigation and reputational damage. The Office recommends baseline cover tailored to each business’s risk profile, including fire insurance for buildings and contents, third-party liability insurance, business interruption insurance, and theft insurance, noting that some operators still struggle to understand or access suitable products due to perceived cost and complexity. Under the initiative, implementation is being driven with the insurance industry, provincial chambers of commerce and other agencies, alongside development of a central registry for participating restaurants and issuance of a logo for use with consumers. In 2026, the Office plans to expand awareness and participation across all provinces, with targeted activities in Bangkok, Chiang Mai, Chonburi, Phuket and Khon Kaen.

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