The service might look smooth, but the risks are real.
Running a bar, café, restaurant, or venue is anything but slow-paced. From pre-dawn prep to midnight shutdown, there’s always something simmering. Hot pans, fast hands, full tables. And sometimes, trouble shows up uninvited.
What if the fridge packs it in? Or someone slips near the register?
One broken appliance, one injury, one power outage, and your entire service flow can grind to a halt. That’s why the right hospitality insurance isn’t a luxury. It’s a smart layer of backup in a business where margins are tight and timing matters.
Here’s what we help cover:
- Public Liability Insurance – In case a guest gets hurt on your premises or food service causes illness.
- Property & Equipment Damage – From broken glass to fire damage in the kitchen.
- Business Interruption – Keeps your income flowing if something forces you to temporarily close.
- Theft & Money Cover – Protection for takings and cash kept on-site.
- Glass & Signage – Because a smashed front window or flickering sign hurts more than aesthetics.
- Machinery Breakdown – Ovens, cool rooms, espresso machines. If it runs your business, we’ll help protect it.
We get hospitality because we serve people too.
McRae Insurance Services has worked with cafés, pubs, caterers, takeaway joints, and boutique event spaces. We get that your risks don’t fit into neat boxes, and neither should your cover.
Thanks to our partnership with Ausure, we can tailor flexible, reliable policies that work with the tempo of your venue.
Let’s make sure the only surprises in your service are on the menu.
You’re juggling customers, staff, and suppliers. Let us take care of the risks in the background.
Call us today and let’s build cover that keeps your business running strong, front to back.
