Management Liability Insurance

There are a multitude of risks facing small businesses in Australia today, which is where a Management Liability policy can act as a safety net for your company. New legislation is always on the horizon; workplace accidents are now subject to high statutory scrutiny, employment disputes can be expensive affairs, whilst employee theft and commercial disputes are on the rise.

A Management Liability Insurance policy focuses on the act of running a company. It will address the serious exposures and risks confronting private companies and their management teams.

Key Benefits of Management Liability Insurance

1. Legal Defence

Management Liability insurance covers legal defense costs, including legal representation and court fees, which can be exorbitant in litigation cases.

2. Claims Protection

This coverage safeguards management personnel against claims related to alleged breaches of duty, mismanagement, wrongful termination, harassment, and more.

3. Reputation Preservation

A tarnished reputation can spell disaster for any business. Management Liability insurance often includes coverage for public relations efforts to mitigate reputational damage.

4. Financial Security

If management faces allegations of mismanagement leading to financial losses, this insurance can provide compensation for resulting monetary damages.

5. Navigating Regulatory Challenges

Management Liability insurance can cover costs arising from investigations by regulatory bodies, helping businesses navigate through complex legal processes.

The Differences Between D&O Insurance and Management Liability Insurance

Directors and Officers insurance and Management Liability insurance are both crucial for protecting businesses and their leadership from legal and financial risks. However, they serve distinct purposes and offer different scopes of coverage. Here are the key differences between these two types of insurance:

Directors and Officers (D&O) Insurance
  • Scope of Coverage: Personal liability protection for directors and officers.
  • Protection for Business: Primarily protects individuals' personal assets.
  • Breadth of Coverage: Focuses on claims related to wrongful acts, negligence, mismanagement by directors and officers.
  • Suitable For: Suited for businesses looking to protect their leadership from personal financial liability.
Management Liability Insurance
  • Scope of Coverage: Broader coverage encompassing directors, officers, and the company.
  • Protection for Business: Provides coverage for various business-related liabilities in addition to D&O protection.
  • Breadth of Coverage: Covers a wider range of risks, including employment practices, employee theft, fraud, and more.
  • Suitable For: Ideal for businesses seeking comprehensive protection for both leadership and operational risks.

Coverage and Policy Inclusions

A typical Management Liability insurance policy may include:

Directors and Officers Liability

Protection for personal assets of directors and officers against claims arising from alleged wrongful acts.

Company Reimbursement

Reimbursement for costs the company incurs when indemnifying directors and officers.

Corporate Liability

Coverage for claims against the company itself related to D&O actions.

Businesses That Benefit The Most From Management Liability Insurance

Management Liability insurance is tailored to meet the needs of various businesses, including but not limited to:

Small and Medium Enterprises (SMEs)
business-owner

With limited resources, legal claims can be daunting for SMEs. Management Liability insurance is vital for their protection and growth.

Public and Private Companies

Businesses of all sizes face legal challenges. This coverage equips them with a shield against potential threats to their leadership.

Non-Profit Organisations

Even non-profits need to safeguard their management from lawsuits that could divert resources away from their mission.

Get Your Management Liability Insurance Quote Today

Midland Insurance Brokers understands the intricate risks businesses face in today's corporate landscape. Our customised Management Liability insurance solutions empower businesses to make informed decisions, confident in the protection against legal and financial uncertainties.

Don't leave your business's future to chance. Contact us today to explore how Management Liability insurance can provide the security and assurance your business deserves.

Either fill out the 'Request A Quote' 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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