Got a Question? We've Got You Covered.

Whether you're a new client or a long-time policyholder, we know insurance can raise a few questions. Below you'll find answers to the most common ones - clear, simple, and tailored to your needs.

Frequently Asked Questions.

Using a Broker FAQs

What does an insurance broker do?

An insurance broker acts as your personal insurance expert. Rather than selling policies on behalf of a single insurer, we work for you. We help you understand your risks, compare multiple insurance products, and recommend the cover that best suits your business or personal needs. Most importantly, we’re in your corner if you ever need to make a claim.

Does it cost more to use a broker?

Not necessarily. In fact, many clients save money because we compare multiple insurers and negotiate better terms. We also help avoid underinsurance, which can be very costly in a claim.

Why choose Midland instead of going direct to an insurer?

When you go direct, you’re often dealing with a call centre or online system. With Midland, you get a real person who knows your industry, your area, and your business. We tailor your insurance to your situation, explain the fine print, and make sure you’re not left exposed. And when something goes wrong, we handle the claim for you.

Are your brokers qualified and licensed?

Yes, our brokers are fully qualified and licensed under the Australian Financial Services License (AFSL) framework. We also undergo ongoing training to ensure our advice meets current industry standards.

Can I switch to Midland if I already have insurance elsewhere?

Absolutely. We can review your existing policies, identify any gaps, and make the transition smooth and hassle-free. We’ll also let you know if your current policy is already the right fit - no pressure, just honest advice.

Business Insurance FAQs

What types of insurance do you offer?

We provide tailored insurance solutions for a wide range of businesses, including cover for:

Public Liability
Professional Indemnity
Business Interruption
Cyber Liability
Product Liability
Contract Works
Tools & Equipment
Commercial Property
Management Liability

We can also assist with residential Home & Contents insurance and Motor Vehicle insurance - ideal for business owners who want to keep all their policies under one roof with a trusted broker.

Do you offer insurance for small businesses?

Yes, we work with sole traders, start-ups, and established small-to-medium businesses every day. Whether you’re a tradie, run a retail store, or provide professional services, we’ll help you build a policy that matches your risk level and budget.

What’s the difference between Public Liability and Professional Indemnity?

Public Liability protects you if someone is injured or their property is damaged due to your business. Professional Indemnity covers claims related to your advice, designs, or services.

Can I bundle my business and personal insurance together?

In many cases, yes. Bundling your policies through one broker means fewer contacts to deal with, simplified renewals, and often better pricing. We’ll assess your situation and recommend the most efficient setup - whether that’s a bundle or keeping policies separate.

How often should I review my insurance cover?

At a minimum, review your cover annually at renewal time. But if your business changes - like taking on new staff, moving locations, or buying expensive equipment - it’s a good idea to check in with your broker sooner. Your insurance should evolve with your business.

Claims & Ongoing Support FAQs

What happens when I need to make a claim?

Contact your Midland broker directly or submit the the relevant claim form found at midlandinsurance.com.au/claims. We'll handle everything else from there, speak with the insurer on your behalf, and keep you updated through the process.

What do I need to provide when making a claim?

You’ll usually need:

Date of the incident or when the loss was discovered or reported
Description of the event and the cause of the damage or loss
List of items being claimed
Photo or video evidence, if available
Police or incident report, if applicable
Expert assessments, such as reports from plumbers, builders, etc., if available
Any other supporting documents to assist with assessment, like receipts, repair quotes or witness statements

Don't worry if you're unsure - your broker will help you collect what's needed.

How long will my claim take to be processed?

It depends on the type and complexity of the claim. Some claims are resolved within a few days, while others may take longer. We’ll keep you updated throughout the process and follow up with the insurer on your behalf.

What happens if my claim is denied?

If an insurer denies your claim, we’ll review the reasons with you and explore any options to dispute the decision or provide further evidence. You’re not left to deal with it alone - we’re in your corner every step of the way.

Do you offer local support?

Yes. Our offices are located in Melbourne, Sydney, and the Mornington Peninsula, and we also have brokers based in Queensland, providing personalised support across the state.

While we may not have physical offices in every location, we work with clients in every state and territory. Whether you're nearby or remote, you'll have a dedicated broker who understands your industry and is available via phone, email, or video.

Contact Us

Have a question that’s not listed here? Reach out to your local Midland office or use our Request a Quote form - we’re happy to help.

Midland Carlton: 1300 306 571

Midland Mornington Peninsula: 1300 880 768

Midland Sydney: 1300 306 571

Our office hours are 8:30am to 5pm, Monday through Friday. We look forward to assisting you and providing the information you need.