Small Business Insurance Packages

At Midland, we know your business is more than just a way to make a living - it’s something you’ve built with time, effort, and pride. But running a business also means dealing with the unexpected, and that’s where we come in.

As your insurance broker, we make things simple. We cut through the jargon, handle the hard stuff, and make sure your business gets the cover it truly needs.

Why Small Business Insurance Matters

Running a small business in Australia comes with big opportunities - and big risks. A tailored Small Business Insurance Package helps protect what you’ve built when things don’t go to plan. Here’s why it’s essential for every business owner:

1. Financial Protection

A safety net when things go wrong - whether it’s a fire, theft, or storm damage. Insurance helps keep your business running and your cash flow steady.

2. Legal Coverage

One legal claim can cost thousands. Business insurance helps cover legal fees and settlements so you can focus on running your business, not fighting lawsuits.

3. Reputation Protection

A professional error or data breach can harm customer trust. The right insurance helps manage the fallout and protect your brand’s credibility.

Business Pack Insurance Explained

🎥 Watch: What is a Business Pack Insurance Policy? (40 sec video)

What Does Our Small Business Insurance Package Cover?

We can provide you with an insurance policy created specifically for the needs of your business, Whether you run a small, medium or large business, we can customise a policy to cover your everyday business with insurance features such as:

Employee Theft Insurance

Protects your business from financial loss caused by theft, fraud, or embezzlement by staff or third parties.

Public Liability Insurance

Covers your business if activities cause injury or property damage to others. Essential protection for most Australian businesses.

Product Liability Insurance

Protects your business from claims of injury or damage caused by products you make, supply, or sell.

Business Interruption Insurance

Covers lost income and expenses if your business can’t operate due to a fire, flood, or other insured event.

Cyber Insurance

Protects your business from cyberattacks, data breaches, and online threats that could compromise sensitive information.

Professional Indemnity

Covers you for errors, omissions, or negligence in your professional work that lead to client financial loss.

Commercial Property Insurance

Protects your building, tools, and stock from loss or damage caused by fire, theft, vandalism, or natural disasters.

Commercial Motor Insurance

Covers your work vehicles for accidents, damage, or theft - keeping your business on the move.

Management Liability Insurance

Protects business owners and directors against claims of mismanagement, breaches of duty, or employment-related disputes.

There are varied considerations for different businesses to make sure the right level of insurance is taken. You’re encouraged to speak to one of the experienced team members at Midland Insurance to make sure the insurance quote you receive covers your business for everything you need and nothing you don’t.

Which Businesses Benefit Most From a Small Business Insurance Package?

Small business insurance packages are designed to protect Australian businesses from everyday risks - from property damage to liability claims. Below are some of the industries that gain the most value from having the right cover in place.

Trades & Contractors

Tradespeople - such as electricians, builders, plumbers, and landscapers - face risks like property damage, equipment breakdowns, and third-party injury claims.

A tailored Small Business Insurance Package provides protection through Public Liability, Tool & Equipment, and Property Cover.

Retailers & Restaurants

Shops, cafés, and eateries can experience customer injuries, property damage, or stock loss.

Small Business Insurance helps safeguard your business with General Liability, Property, and Spoilage Cover for perishable goods.

Professional Services

Consultants, accountants, lawyers, and health professionals risk claims of negligence or error.

Professional Indemnity and Small Business Insurance protect against legal costs, equipment loss, and interruptions to your practice.

Why Small Businesses Choose Midland

Choosing the right insurance broker is key to protecting your small business from everyday risks. At Midland, we specialise in supporting Australian small businesses with expert advice, tailored cover, and genuine local service. Here’s what sets us apart:

Expert Guidance

Our experienced brokers know small business insurance inside and out. We’ll explain your options clearly, guide you through the process, and help you make confident, informed decisions - without the jargon.

Custom Cover for Every Business

No two small businesses are the same. We’ll work closely with you to understand your risks and tailor an insurance package that fits your operations perfectly - not just a one-size-fits-all policy.

Value Without Compromise

Our bundled insurance packages often save you money compared to buying individual policies. We’ll help you maximise your protection while keeping your premiums competitive.

Claims Help When You Need It Most

If something goes wrong, our dedicated claims team is here to help you every step of the way. We’ll handle the details quickly and professionally so you can get back to business with minimal disruption.

Local Knowledge, National Reach

We understand the Australian small business landscape - from regional councils to industry-specific requirements. Our local insight ensures your coverage meets compliance and matches your environment.

Trusted by Australian Businesses

For over 30 years, Midland has earned a reputation for reliability, integrity, and genuine service. Businesses across Australia trust us to protect what they’ve built - with honesty and professionalism.

Get Your Small Business Insurance Quote Today

At Midland, we're committed to helping Australian businesses thrive by providing the protection they need. Contact us today to discuss your unique requirements, and let us build a Small Business Insurance Package that fits your business like a glove.

Either fill in the 'Request A Quote' form on this page and one of our brokers will be in touch, or just give us a call on 1300 306 571.

Request A Quote


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Gary Perera

Senior Insurance Broker

With 35 years’ experience in the insurance industry, Gary is a Senior Insurance Broker at Midland with extensive knowledge across a wide range of business sectors. He specialises in insurance for breweries, distilleries, cafés, restaurants, and manufacturing businesses, bringing a depth of practical insight to every client engagement.

Known for his thorough and considered approach, Gary takes the time to understand how each business operates before delivering clear, tailored insurance solutions. A committed professional, he has completed numerous industry qualifications and is a proud member of ANZIIF, maintaining his expertise through ongoing education and regular engagement with industry developments.

Outside of work, Gary is an avid sports enthusiast who enjoys running, football, and cricket. He remains driven by a simple principle: continuous improvement and delivering the highest standard of advice to his clients.

Angus Matheson

Angus Matheson

Senior Insurance Broker

With more than 21 years’ experience in the insurance industry, Angus is a Senior Insurance Broker specialising in Road Freight Transport insurance. He is recognised for his deep understanding of the transport sector and his ability to deliver tailored risk solutions that address the operational and commercial challenges faced by transport businesses.

Angus takes an empathetic, client-first approach, investing the time to understand each business, its priorities, and its risk profile before providing advice. A committed professional, he holds accreditations with NIBA, ANZIIF, CIP, and QPIB, and remains actively engaged with industry developments through ongoing education and professional involvement. His focus is on delivering reliable protection that supports business continuity and long-term confidence.

Sarah Grose

Sarah Grose

Senior Insurance Broker

With more than 17 years’ experience in the insurance industry -including 16 years with Midland - Sarah brings deep expertise and a genuine commitment to helping clients protect what matters most. Having held a range of roles across the business, including management positions, she has a well-rounded understanding of both client needs and the broader insurance landscape.

Sarah specialises in small to medium-sized business insurance, with particular expertise in the film and television sector, self-storage, and, more recently, breweries and distilleries. Her approach is focused on making insurance clear, practical, and tailored to each client’s circumstances. Known for her approachable and solution-focused style, Sarah builds long-term relationships grounded in trust, reliability, and understanding.

She holds a Diploma of Insurance Broking and remains actively engaged in ongoing professional development to ensure her advice stays current and relevant.

Andrew Woff

Andrew Woff

Senior Insurance Broker

With close to 20 years’ experience in the insurance industry, Andrew is a Senior Insurance Broker at Midland specialising in heavy vehicle and equipment insurance, as well as cover for breweries and distilleries. He is particularly well regarded for his ability to secure tailored, cost-effective solutions for assets involving motors, wheels, or tracks, alongside his strong understanding of the risks unique to alcohol production businesses.

Andrew works with a wide range of clients, from sole traders through to large-scale operations, and is known for his clear communication, flexible approach, and commitment to personalised service. A QPIB-accredited broker and member of NIBA, he maintains high professional standards and remains focused on delivering practical, well-considered advice.

Outside the office, Andrew is a proud father of three and an active community volunteer. His interests in music, electronics, mechanics, and brewing reflect the same curiosity and hands-on mindset he brings to his professional work.

Scott McMurtrie

Scott McMurtrie

Senior Insurance Broker

Scott is a Senior Insurance Broker with over 12 years’ experience supporting Australian small and medium-sized businesses. He specialises in tailored insurance solutions across the Film & Entertainment, Transport, and Manufacturing sectors, delivering advice that reflects each client’s specific risks and operations.

With a strong focus on understanding how businesses work in practice, Scott provides clear, relevant cover recommendations backed by ongoing professional development and industry engagement.

Outside the office, he enjoys AFL, soccer, and music, and values building long-term client relationships founded on trust and reliability.

Beau Runnalls

Beau Runnalls

Senior Insurance Broker

Beau is a senior insurance broker at Midland with seven years of industry experience supporting businesses across Australia. He works across a broad range of sectors, with particular expertise in earthmoving, heavy equipment, trades, and the winery industry.

Known for his attention to detail and measured approach, Beau focuses on delivering insurance solutions that are clear, practical, and free from unnecessary complexity. He remains actively engaged in professional development, ensuring his advice reflects current industry standards and best practice.

Beau places strong value on collaboration and long-term client relationships. Outside of work, he enjoys golf and football, reflecting his team-oriented mindset and active approach both professionally and personally.

Alex Petkovic

Alex Petkovic

Senior Insurance Broker  |  Development & Service

With 27 years of experience in the insurance industry, Alex is a senior broker at Midland, recognised for his depth of knowledge, attention to detail, and straightforward approach. While he works across a broad range of businesses, he has a particular focus on clients in the construction and building sectors.

Committed to keeping insurance clear and practical, Alex places a strong emphasis on honesty and client-first advice. He remains actively engaged with industry developments through ongoing professional development and research, and is also a natural mentor, regularly supporting and guiding emerging brokers within the team.

Joshua-Kerr

Joshua Kerr

National Sales Manager

Joshua is Midland’s National Sales Manager, with more than two decades of experience in the insurance industry. His expertise spans a wide range of insurance solutions, with particular depth in the winery and brewery sectors.

Taking a considered, people-focused approach, Joshua works closely with clients to understand how their businesses operate and the risks they face, allowing him to deliver insurance solutions that are both practical and relevant. He is known for his ability to make complex insurance concepts clear and approachable.

Outside of work, Joshua has a strong connection to community, having spent several years coaching junior basketball and serving as Vice President of a children’s basketball club. Staying closely attuned to industry developments, he is committed to helping clients make informed insurance decisions that support their long-term success.

Justin-Lane

Justin Lane

Director

Justin is a Director at Midland and has been part of the business since 2003. With more than two decades of experience, he works closely with small businesses across Australia, helping them secure insurance solutions that genuinely reflect the way they operate.

Known for his practical, solution-focused approach, Justin places strong emphasis on clarity, reliability, and long-term client relationships. His depth of industry knowledge and consistent, hands-on service have seen him become a trusted adviser to many business owners over time.

Damien Lane

Director

Since 2001, Damien has been central to Midland’s evolution, bringing more than two decades of industry experience and a strong commitment to client-focused service. His expertise spans a wide range of sectors, with recognised depth in the brewery and distillery space.

Working with independent brewers across Australia, Damien helps clients navigate complex operational risks with practical, grounded advice. He is known for his industry knowledge, clear communication, and ability to build enduring client relationships.

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