Directors and Officers Insurance - Protecting Your Business Leaders

Directors and Officers Insurance, commonly known as D&O Insurance, is a specialised policy designed to protect the personal assets of directors and officers of a company. It provides financial protection in cases where directors and officers face legal actions or claims due to alleged wrongful acts or decisions made in their corporate roles. This coverage ensures that individual leaders are protected from personal liability and financial loss arising from such claims.

Key Benefits of Having a D&O Policy

1. Personal Asset Protection

D&O Insurance safeguards the personal assets of directors and officers, ensuring their financial well-being in the face of legal claims or litigation.

2. Enhanced Decision-Making

When directors and officers are shielded from personal liability, they can confidently make critical business decisions, fostering an environment of innovation and progress.

3. Mitigating Legal Costs

Legal proceedings can be financially draining. D&O Insurance covers legal defense costs, freeing up resources for business operations.

4. Stakeholder Confidence

Having a D&O policy signals to stakeholders – shareholders, investors, employees, and clients – that the company is committed to protecting its leadership, enhancing trust and reputation.

Coverage Offered by D&O Insurance

A comprehensive D&O Insurance policy typically covers: 

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 D&O Insurance

1. Publicly Traded Companies

With heightened regulatory scrutiny, publicly traded companies are susceptible to shareholder suits. D&O Insurance is a lifeline in such scenarios.

2. Private Companies

Regardless of size, if your business has directors and officers, it's vulnerable to legal actions from various stakeholders. D&O Insurance offers a shield against this risk.

3. Nonprofit Organisations

Directors and officers of nonprofits can face claims related to financial mismanagement. D&O coverage is essential to safeguard their mission.

4. Startups and Growing Businesses

Attracting talented leadership is crucial for startups. D&O Insurance provides an added incentive for top-tier executives to join.

Get Your D&O Insurance Quote Today

Directors and Officers Insurance is more than a policy; it's a strategic move to fortify your business's leadership and protect its future. At Midland, we specialise in understanding the unique challenges faced by Australian businesses. Allow our seasoned brokers to guide you in selecting the perfect D&O Insurance policy tailored to your needs.

Safeguard your leadership, secure your business – contact us today for a consultation that could shape your business's journey towards lasting success.

You can either fill in the short 'Request A Quote' form on this page and one of our brokers will get in touch, or just give us a call on 1300 306 571.

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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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