The pursuit of safer and high-performance lithium-ion batteries (LIBs) has triggered extensive research activities on solid-state batteries, while challenges related to the unstable electrode–electrolyte interface hinder their practical implementation. Polymer has been used extensively to improve the cathode-electrolyte interface in garnet-based all-solid-state LIBs (ASSLBs), while it introduces new concerns about thermal stability. In this study, we propose the incorporation of a multi-functional flame-retardant triphenyl phosphate additive into poly(ethylene oxide), acting as a thin buffer layer between LiNi0.8Co0.1Mn0.1O2 (NCM811) cathode and garnet electrolyte. Through electrochemical stability tests, cycling performance evaluations, interfacial thermal stability analysis and flammability tests, improved thermal stability (capacity retention of 98.5% after 100 cycles at 60 °C, and 89.6% after 50 cycles at 80 °C) and safety characteristics (safe and stable cycling up to 100 °C) are demonstrated. Based on various materials characterizations, the mechanism for the improved thermal stability of the interface is proposed. The results highlight the potential of multi-functional flame-retardant additives to address the challenges associated with the electrode–electrolyte interface in ASSLBs at high temperature. Efficient thermal modification in ASSLBs operating at elevated temperatures is also essential for enabling large-scale energy storage with safety being the primary concern.