Got a Question? We've Got You Covered.

We know insurance can be confusing. That’s why we’ve answered some of the questions we hear most often from our clients.

Frequently Asked Questions.

About Using a Broker

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.

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

What types of insurance do you offer?

We offer a wide range of business and personal insurance solutions tailored to your needs. These include:

Business Packages for small to medium businesses
Public & Product Liability
Professional Indemnity
Business Interruption
Cyber Insurance (for both business and personal risks)
Contract Works (for builders and contractors)
Directors & Officers and Management Liability
Marine Transit
Personal Accident & Life Insurance
Personal Asset Insurance
Tax Audit Cover

In addition, we have specialist cover options for industries such as film & television, breweries, distilleries, landscapers, transport & logistics operators, and more.

Not sure what’s right for your business? Just get in touch — we’ll help you identify the risks you face and build a policy that’s fit for purpose.

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.

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

What happens when I need to make a claim?

Just call or email your Midland broker — we’ll take it from there. We handle all the paperwork, speak with the insurer on your behalf, and keep you updated through the process. Our goal is to reduce the stress and get you a fair outcome quickly.

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.

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