Contract Works Insurance: Protecting the Building & Construction Industry

At Midland, we understand that the construction industry is as diverse as the projects it undertakes. That's why we're dedicated to providing licensed builders and construction companies in Australia with Contract Works Insurance that's as unique as their projects. With our comprehensive coverage and personalised approach, you can build with confidence, knowing that your investments are safeguarded against the unexpected.

Contract Works insurance protects both yourself and your assets should any loss, damage or injury occur whilst undertaking a construction project. Having a properly structured Contract Works insurance policy can be crucial as it will serve as the backbone of a successful risk management program.

Contract Works insurance can provide cover for simple or complex projects on either a per-project or annual basis.

Key Benefits of Contract Works Insurance:

1. Holistic Protection

Construction projects are intricate symphonies of planning and execution. Our Contract Works Insurance covers a multitude of risks, from unexpected material damage to project delays, ensuring a comprehensive safety net for your endeavours.

2. Tailored Solutions

We understand that no two projects are alike. That's why our expert brokers collaborate closely with you to craft insurance solutions that align perfectly with your project's unique requirements.

3. Financial Security

Construction projects are susceptible to a myriad of unforeseen challenges. With our Contract Works Insurance, you gain the financial security to confidently navigate uncertainties without compromising on quality.

Our Coverage Highlights

Contract works insurance can cover the building which is under construction, whether it’s a residential home, multi-story apartment or commercial building. It can also cover the equipment used in construction, as well as public liability risk.

Depending on your policy, Contract Works insurance typically covers the following:

Material Damage

Protects against loss or damage to construction materials, supplies, tools, machinery, and equipment. It includes risks such as fire, theft, vandalism, accidental damage, and natural disasters like floods and storms.

Public Liability

Protects you from claims for property damage or bodily injury caused to third parties due to your construction activities. This includes legal expenses and compensation costs.

Plant and Equipment

Provides protection for your machinery, tools, and equipment against damage, theft or mechanical breakdown used in the construction project. It may also cover the cost of hiring replacement equipment if needed.

Who Can Benefit From Contract Works Insurance?

Business Interruption insurance is ideal for a wide range of businesses across various industries, especially those in more complex industries, and those who operate in areas that are prone to severe weather events.

Below are a few examples of businesses that are particularly well-suited for Business Interruption insurance coverage:

Licensed Builders

Our tailored solutions cater to the unique needs of licensed builders across residential, commercial, and industrial projects.

Building Companies
contract works insurance for building companies

Whether you manage multiple projects or specialise in a niche, our insurance solutions offer comprehensive protection for building companies of all sizes.

Construction Companies

Embarking on projects of varying complexities, our insurance covers the spectrum, ensuring the future of your construction business remains secure.

Get Your Contract Works Insurance Quote Today

As your dedicated insurance broker, we bring years of expertise to the table. We're committed to understanding your unique projects and concerns to provide you with a Contract Works Insurance solution that perfectly suits your needs. Your success is our success, and we're here to ensure your projects are shielded against unforeseen challenges.

Reach out to us today to secure your construction ventures with confidence. Your projects deserve the best protection, and we're here to make that a reality.

You can either fill in the short 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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