Contract Works Insurance helps protect building and construction projects while works are underway. From material damage and theft through to storm events and site-related risks, a single incident can disrupt timelines and increase costs.
Midland helps builders and construction businesses arrange tailored cover with clear advice and support when it matters most.
Tell us a few details about your business or project and one of our brokers will be in touch to discuss suitable cover options.
No obligation. Free consultation with our insurance specialists.
Clear advice, responsive service and tailored support for builders, contractors and construction businesses.
Decades of trusted advice
Practical construction risk guidance
Supporting businesses nationwide
We work for you, not the insurer
Contract Works Insurance is designed to protect building and construction projects while works are underway. Depending on how the policy is arranged, it can help cover loss or damage to the contract works, materials and certain site-related exposures during construction.
Construction projects can be exposed to risks such as storm damage, fire, theft, vandalism and accidental damage before practical completion. When something goes wrong mid-project, the financial impact can be significant.
Depending on how the policy is structured, Contract Works Insurance can help protect a range of exposures during construction, from physical damage through to site-related risks and financial impact.
Contract Works Insurance is commonly considered by builders and construction businesses involved in residential projects. The right structure depends on the type of work, project size and how your business operates.
Contract Works Insurance may be arranged on an annual basis or for a specific project, depending on the nature of the work and how your business operates. The right structure can depend on project frequency, contract requirements, turnover and the size of the build.
Even well-managed residential projects can run into unexpected issues. When something goes wrong mid-build, the financial impact can be significant – particularly if materials, works or site exposures are affected.
Contract Works Insurance can vary depending on how your projects are structured. We guide you through the process and help ensure your cover aligns with your contracts, risks and how your business operates.
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FREQUENTLY ASKED QUESTIONS
If you're unsure how Contract Works Insurance applies to your projects, here are answers to some of the most common questions we’re asked.
Contract Works Insurance generally covers loss or damage to building works while construction is underway. This can include the structure itself, materials on site, and certain site-related risks depending on how the policy is arranged.
In many cases, yes – materials stored on-site or ready for installation can be covered. However, the extent of cover depends on the policy structure and limits selected.
Annual cover is designed for builders or businesses managing multiple projects across the year, while single project cover applies to a specific job with defined timelines and values. The right option depends on how frequently you undertake projects and your contractual requirements.
It’s not always legally required, but it is commonly expected under building contracts and can be essential for protecting your financial exposure during construction.
Contract Works Insurance can be arranged alongside Public Liability cover, but they are separate protections. Liability cover responds to third-party injury or property damage, while Contract Works covers the project itself.
The appropriate level of cover depends on your project value, contract terms, materials, and risk exposures. A broker can help ensure your cover aligns with how your projects are structured.
Whether you're managing a single residential build or multiple projects across the year, we’ll help you arrange Contract Works Insurance that aligns with your risks, contracts and how your business operates.
Tell us a bit about your project or business, and one of our brokers will be in touch to recommend suitable cover options – without the jargon or guesswork.
No obligation. Free consultation with our insurance specialists.
Senior Insurance Broker
Jeff is a Senior Broker in Midland’s Sydney office, bringing over 30 years of experience across both national and international insurance markets. He specialises in complex and hard-to-place risks, structuring tailored insurance programs for clients with unique or challenging exposures.
With a practical, solutions-focused approach, Jeff works closely with clients to understand their operations and ensure their cover is designed to respond when it matters most. He provides clear, considered advice at every stage, with a strong focus on protecting client interests.
Outside of work, Jeff enjoys spending time with family and friends, playing guitar, and swimming.
Areas of focus
Business Insurance
SME Clients
Complex & Hard-to-Place Risks
Tailored Insurance Programs
Senior Insurance Broker
With more than 21 years’ experience in the insurance industry, Angus is a Senior Broker specialising in road freight transport. He brings a deep understanding of the sector and delivers tailored insurance solutions that reflect the operational and commercial realities of transport businesses.
Angus takes a client-first approach, investing the time to understand each business, its priorities, and its risk profile before providing clear, practical advice. 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.
Areas of focus
Business Insurance
SME Clients
Transport
Personal Accident & Illness
Road Freight & Heavy Vehicles
Senior Insurance Broker
With 35 years’ experience in the insurance industry, Gary is a Senior Broker at Midland with extensive knowledge across a wide range of business sectors. He specialises in breweries, distilleries, cafés, restaurants, and manufacturing, bringing practical insight and real-world understanding 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 member of ANZIIF, he maintains high professional standards through ongoing education and active 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.
Areas of focus
Business Insurance
SME Clients
Breweries & Distilleries
Hospitality
Manufacturing
Senior Insurance Broker
David is a Senior Insurance Broker with over 40 years of experience across the insurance industry.
He began his career with Sun Alliance Insurance, building a strong foundation in accounts, claims, and underwriting before moving into broking. David spent 35 years with M.D. Insurance Brokers, where he developed deep expertise across all areas of insurance and built long-standing client relationships that continue today.
Following Midland’s acquisition of M.D. Insurance Brokers in 2017, David joined the team and continues to provide practical, reliable advice backed by decades of experience.
Known for his steady, relationship-driven approach, David takes pride in delivering consistent, long-term support to his clients.
Outside of work, he is a passionate supporter of the Geelong Cats and enjoys DIY projects, staying active, and spending time with family and friends.
Areas of focus
Business Insurance
SME Clients
Broad Insurance Expertise
Long-Term Client Relationships
Senior Insurance Broker
With more than 17 years’ experience in the insurance industry – including 16 years with Midland – Sarah brings deep expertise and a well-rounded understanding of both client needs and the broader insurance landscape. Having worked across a range of roles, including management, she offers practical, informed advice backed by real industry experience.
Sarah specialises in small to medium-sized business insurance, with particular expertise in the film and television sector, self-storage, and breweries and distilleries. Her approach focuses on making insurance clear, practical, and tailored to each client’s circumstances.
Known for her approachable, solution-focused style, Sarah builds long-term relationships through consistent, reliable service and a strong understanding of her clients’ businesses. She holds a Diploma of Insurance Broking and remains actively engaged in ongoing professional development to ensure her advice stays current and relevant.
Areas of focus
Business Insurance
SME Clients
Professional Photographers
Breweries & Distilleries
Film & Television
Self Storage Facilities
Senior Insurance Broker
With close to 20 years’ experience in the insurance industry, Andrew is a Senior Broker at Midland specialising in heavy vehicles, equipment, and mobile plant, as well as breweries and distilleries.
He is particularly well regarded for structuring tailored, cost-effective solutions for assets involving motors, wheels, or tracks, alongside his strong understanding of the risks unique to alcohol production businesses.
Working with clients ranging from sole traders to large-scale operations, Andrew is known for his clear communication, flexible approach, and commitment to practical, personalised advice. A QPIB-accredited broker and member of NIBA, he maintains high professional standards and stays closely aligned with evolving industry requirements.
Outside of work, Andrew is a proud father of three and an active community volunteer. His interests in music, electronics, mechanics, and brewing reflect the same hands-on, problem-solving mindset he brings to his clients.
Areas of focus
Business Insurance
SME Clients
Heavy Vehicles & Equipment
Construction
Mobile Plant
Breweries & Distilleries
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
Areas of focus
Business Insurance
SME Clients
Film & Entertainment
Transport
Manufacturing
Senior Insurance Broker
Peter is a Senior Insurance Broker at Midland Insurance Brokers, bringing over 15 years of experience across a broad range of general insurance classes.
Starting his career with Midland at 22 within the Claims team, Peter developed a strong understanding of how policies perform when it matters most. He later transitioned into client-facing roles, where he has spent the past five years delivering tailored insurance solutions backed by practical, real-world insight. He holds a Diploma of Financial Services (Insurance Broking).
Peter has particular expertise in financial lines, breweries and distilleries, and self-storage facilities, while maintaining broad capability across all areas of insurance.
Known for his straightforward, down-to-earth approach, Peter makes insurance easy to understand and manage. A loyal supporter of the Richmond Tigers, he’s always up for a conversation – whether that’s over a coffee or a beer.
Areas of focus
Business Insurance
SME Clients
Professional Photographers
Self-Storage Facilities
Breweries & Distilleries
Financial Lines
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.
Areas of focus
Business Insurance
SME Clients
Earthmoving & Heavy Equipment
Trades & Contractors
Wineries
Breweries & Distilleries
Pubs & Bars
Senior Insurance Broker
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.
Areas of focus
Business Insurance
SME Clients
Construction & Building
Strategy
Clear, Practical Advice
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.
Areas of focus
Business Insurance
SME Clients
Wineries
Breweries
Pubs & Bars
Strategic Insurance Advice
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.
Areas of focus
Business Insurance
Professional Photographers
SME Clients
Practical, Solution-Focused Advice
Self Storage Facilities
Senior Insurance Broker
Jeff is a Senior Broker in Midland’s Sydney office, bringing over 30 years of experience across both national and international insurance markets. He specialises in the design, placement and ongoing management of complex and hard-to-place risks, delivering tailored solutions for clients with unique or challenging exposures.
Known for his practical approach and depth of knowledge, Jeff works closely with clients to understand their operations and ensure their insurance program is structured to respond when it matters most. He is committed to putting clients’ interests first and providing clear, considered advice at every stage.
Outside of work, Jeff enjoys spending time with family and friends, playing guitar, and swimming.
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.
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.
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.
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.
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.
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.
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.
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.
Areas of focus
Commercial Insurance
Breweries & Distilleries
SME Clients
Complex & Hard-to-Place Risks

