Small Business Insurance Packages

At Midland, we know your business is more than just a way to make a living - it’s something you’ve built with time, effort, and pride. But running a business also means dealing with the unexpected, and that’s where we come in.

As your insurance broker, we make things simple. We cut through the jargon, handle the hard stuff, and make sure your business gets the cover it truly needs.

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Why Small Business Insurance Matters

Running a small business in Australia comes with big opportunities, but also real risks. That’s why having Small Business Insurance matters. It helps protect your business when things don’t go to plan. Here’s why it’s essential:

1. Financial Protection

Insurance gives your business a safety net when things go wrong - whether it’s a natural disaster, fire, or unexpected disruption. It helps keep the lights on and the cash flow steady.

2. Legal Coverage

A single liability claim can hit hard. Insurance helps cover legal costs so you’re not stuck footing the bill. You stay focused on running your business - not fighting lawsuits.

3. Reputation Protection

One slip-up - like a data breach or professional error - can shake customer trust. Insurance helps you manage the fallout and protect your brand’s credibility when it matters most.

What Is 'Business Pack Insurance'?

This 40 second video explains what a Business Insurance Pack is, and why it's such an important insurance policy for any small business owner in Australia.

What Does Our Small Business Insurance Package Cover?

We can provide you with an insurance policy created specifically for the needs of your business, Whether you run a small, medium or large business, we can customise a policy to cover your everyday business with insurance features such as:

Employee Theft Insurance

Protects your business from financial loss caused by theft, fraud, or embezzlement by staff or third parties.

Public Liability Insurance

Covers your business if activities cause injury or property damage to others. Essential protection for most Australian businesses.

Product Liability Insurance

Protects your business from claims of injury or damage caused by products you make, supply, or sell.

Business Interruption Insurance

Covers lost income and expenses if your business can’t operate due to a fire, flood, or other insured event.

Cyber Insurance

Protects your business from cyberattacks, data breaches, and online threats that could compromise sensitive information.

Professional Indemnity

Covers you for errors, omissions, or negligence in your professional work that lead to client financial loss.

Commercial Property Insurance

Protects your building, tools, and stock from loss or damage caused by fire, theft, vandalism, or natural disasters.

Commercial Motor Insurance

Covers your work vehicles for accidents, damage, or theft - keeping your business on the move.

Management Liability Insurance

Protects business owners and directors against claims of mismanagement, breaches of duty, or employment-related disputes.

Tax Audit Insurance

Covers the cost of professional fees if your business is audited by the ATO or other government agencies.

Specialist Industries

INSURANCE COVERS

There are varied considerations for different businesses to make sure the right level of insurance is taken. You’re encouraged to speak to one of the experienced team members at Midland Insurance to make sure the insurance quote you receive covers your business for everything you need and nothing you don’t.

Which Businesses Benefit Most From a Small Business Insurance Package?

Small business insurance packages are designed to protect Australian businesses from everyday risks - from property damage to liability claims. Below are some of the industries that gain the most value from having the right cover in place.

Trades & Contractors

Tradespeople - such as electricians, builders, plumbers, and landscapers - face risks like property damage, equipment breakdowns, and third-party injury claims.

A tailored Small Business Insurance Package provides protection through Public Liability, Tool & Equipment, and Property Cover.

Retailers & Restaurants

Shops, cafés, and eateries can experience customer injuries, property damage, or stock loss.

Small Business Insurance helps safeguard your business with General Liability, Property, and Spoilage Cover for perishable goods.

Professional Services

Consultants, accountants, lawyers, and health professionals risk claims of negligence or error.

Professional Indemnity and Small Business Insurance protect against legal costs, equipment loss, and interruptions to your practice.

Why Small Businesses Choose Midland

Choosing the right insurance broker is key to protecting your small business from everyday risks. At Midland, we specialise in supporting Australian small businesses with expert advice, tailored cover, and genuine local service. Here’s what sets us apart:

Expert Guidance

Our experienced brokers know small business insurance inside and out. We’ll explain your options clearly, guide you through the process, and help you make confident, informed decisions - without the jargon.

Custom Cover for Every Business

No two small businesses are the same. We’ll work closely with you to understand your risks and tailor an insurance package that fits your operations perfectly - not just a one-size-fits-all policy.

Value Without Compromise

Our bundled insurance packages often save you money compared to buying individual policies. We’ll help you maximise your protection while keeping your premiums competitive.

Claims Help When You Need It Most

If something goes wrong, our dedicated claims team is here to help you every step of the way. We’ll handle the details quickly and professionally so you can get back to business with minimal disruption.

Local Knowledge, National Reach

We understand the Australian small business landscape - from regional councils to industry-specific requirements. Our local insight ensures your coverage meets compliance and matches your environment.

Trusted by Australian Businesses

For over 30 years, Midland has earned a reputation for reliability, integrity, and genuine service. Businesses across Australia trust us to protect what they’ve built - with honesty and professionalism.

Get Your Small Business Insurance Quote Today

At Midland, we're committed to helping Australian businesses thrive by providing the protection they need. Contact us today to discuss your unique requirements, and let us build a Small Business Insurance Package that fits your business like a glove.

Either fill in 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.