Personal Accident and Sickness Insurance

We understand that the most valuable asset to any business is its employees. With that in mind, we have amalgamated AusInsure into our business who specialise in Personal Accident & Sickness Insurance.

Should you get sick or injured and are unable to work, our Personal Accident & Sickness insurance plan can provide you with an income for up to 2 years.

Key Benefits of Personal Accident and Sickness Insurance

1. Financial Security

Ensures financial stability for your business and employees during challenging times. It provides coverage for medical expenses, loss of income, and rehabilitation costs, minimising the financial burden associated with accidents or sickness.

2. Flexibility

Unlike standard health insurance, this insurance covers accidents, illnesses, and injuries that occur both inside and outside the workplace, giving employees greater protection.

3. Peace of Mind

Knowing that your employees are covered in case of unexpected events can boost morale and job satisfaction, ultimately leading to increased productivity.

4. Recruitment and Retention

Offering comprehensive insurance coverage demonstrates your commitment to employee well-being, making your business more attractive to potential hires and retaining valuable staff.

The Inclusions and Exclusions in Our Personal Accident and Sickness Insurance Policy

Our comprehensive Personal Accident and Sickness insurance policy provides exceptional coverage to ensure total protection should you fall sick or get injured on the job.

Policy Inclusions

  • Up to 85% of average gross weekly earnings
  • Benefits paid for up to 2 years
  • Maximum $3,000 per week
  • 14 day waiting period
  • Competitive premium
  • Accidental death ~ $100,000
  • Cancer benefit ~ $25,000
  • Funeral expenses ~ $20,000
  • Home/car modification ~ $15,000
  • Accomm. & transport benefit ~ $10,000
  • Trauma benefit ~ $5,000

Policy Exclusions

  • Flying in an aircraft other than as a passenger in any aircraft licensed to carry passengers
  • Intentionally self-inflicted injury or suicide
  • Any fraudulent, dishonest, illegal or criminal act
  • Any pre-existing condition (as defined further in PDS) - you can only claim for the
    consequences of an Accident or Sickness if the claim occurs within 12 months of the initial
    diagnosis of the Accident or Sickness
  • Degenerative conditions
  • Training in or participating in professional sport

Businesses That Benefit the Most from Personal Accident and Sickness Insurance

Personal Accident & Illness insurance is particularly valuable for self-employed small business owners who may not be protected by a workers’ compensation agreement.

Small and Medium Enterprises (SMEs)

Personal Accident and Sickness insurance can be a lifeline for smaller businesses that may struggle to absorb the financial impact of accidents or illnesses among their employees.

Self-Employed Individuals

Freelancers and self-employed professionals can protect their income and well-being with Personal Accident and Sickness insurance, as they may lack traditional employer-sponsored benefits.

High-Risk Industries

Businesses operating in high-risk sectors such as construction, manufacturing, and transportation can significantly benefit from this insurance, as accidents are more prevalent in these industries.

Get Your Personal Accident and Sickness Insurance Quote Today

Personal Accident and Sickness Insurance is not just another policy; it's a crucial safeguard for the financial health of your business and the well-being of your employees. At Midland, we specialise in finding the right insurance solutions tailored to your specific needs and budget.

Don't leave your business and employees vulnerable to the unexpected. Contact us today to learn more about how Personal Accident and Sickness Insurance can become an indispensable part of your risk management strategy.

Either fill out the 'Request A Quote' form on this page and one of our brokers will be in touch, or give us a call on 1300 306 571

Request A 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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