Insurance Covers Designed for Your Business

Every business faces different risks, from cyber threats and project delays to staff injuries or property loss. At Midland, we help you build the right insurance package to keep your operations moving, no matter what happens.

Our Insurance Covers

Explore our full range of business insurance options - from public liability and professional indemnity to management liability, cyber, and tax audit cover. Each policy is tailored by Midland’s specialist brokers to fit your industry and your level of risk.

Small Business Insurance

Comprehensive protection designed for small business owners - covering your assets, liability, and day-to-day operations in one flexible package.

Business Interruption

Covers lost income and ongoing expenses if your business is forced to close or slow down due to an insured event.

Contract Works Insurance

Protection for builders, tradies, and contractors - covering projects against accidental damage, theft, or natural disasters.

Commercial Cyber Insurance

Protects your business from data breaches, ransomware, and cyber-attacks - including recovery costs and legal expenses.

Personal Cyber Insurance

Protects you and your family from online identity theft, hacking, and cyber extortion - because digital risks don’t stop at work.

Directors & Officers Insurance

Financial protection for directors, officers, and senior managers against claims of mismanagement, negligence, or breach of duty.

Management Liability Insurance

Covers your business and its key people against management-related claims - including unfair dismissal, misconduct, or breaches of regulation.

Marine Transit Insurance

Protects your goods and equipment while being transported across land, air, or sea - from pick-up to final delivery.

Personal Accident & Sickness Insurance

Income protection if you can’t work due to injury or illness - ensuring financial stability while you recover.

Personal Asset Insurance

Covers valuable personal items - from your home and contents to vehicles and possessions - against theft, loss, or damage.

Professional Indemnity Insurance

Essential cover for professionals providing advice or services - protects against claims of error, negligence, or breach of duty.

Public & Product Liability Insurance

Protects your business from claims of injury or property damage caused by your work, services, or products.

Strata Insurance

Covers shared property, building structures, and common areas for residential or commercial strata developments.

Tax Audit Insurance

Covers professional fees from accountants or advisors if your business or personal finances are audited by the ATO.

Frequently Asked Questions

Every business is different. It depends on factors like your industry, whether you employ staff, and the risks you face daily.

Start with our Insurance Quiz to identify the key risks for your business. Then chat with one of our brokers who can help you find the right mix of covers for your situation.

A broker helps you understand the covers your business actually needs, compares options from multiple insurers, and ensures there are no gaps or overlaps in your protection. They also assist with claims and help tailor a program that fits the way your business operates, saving you time, money and stress.

Absolutely. We’ll tailor a package that combines essential and recommended policies, so you only pay for what you need.

Public Liability covers injury or property damage caused by your business activities or products. Professional Indemnity protects against financial loss to others caused by your professional advice, design, or service.

If something goes wrong, contact us first. Our in-house claims team will guide you through the process, liaise with the insurer, and work to achieve a fair and efficient outcome.

Yes. We can arrange short-term or project-specific policies, especially for builders, designers, and contractors.

Premiums depend on factors like your industry, turnover, number of employees, claims history, and the limits or excesses you choose. We’ll compare options to find competitive terms for your business.

Absolutely. Small businesses are often the target of cyber attacks because they store valuable client data and may have limited security. Cyber cover can help with recovery costs, data breaches, and business interruption.

Quiz

Not sure which covers your business needs?

Take our quick quiz to discover which covers are essential and which are recommended for your business. It only takes 60 seconds.

Learn More About Midland

About Midland

Learn more about who we are and what we stand for.

Meet Our Team

Get to know the people behind our service.

FAQs

Answers to common questions about insurance & our process.

Why Use a Broker

Discover how expert advice can help protect your business.

Contact Us

If you’d like tailored advice or want to review your insurance cover, our brokers are here to help. Contact your local Midland office to speak with an expert who understands your risks and can recommend the right protection - without the jargon.

Our offices are open 8:30am to 5:00pm, Monday to Friday. If you have questions or need assistance, we’re only a phone call away.

Request A Free Quote


Midland Insurance Brokers Australia Pty Ltd
ABN 81 006 528 329 AFSL 238963
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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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