Professional Indemnity Insurance: Protecting Your Professional Reputation

Professional Indemnity Insurance, often referred to as PI insurance, is a crucial aspect of risk management for professionals across various industries in Australia.

PI is a wide-ranging insurance claim solution that protects professionals, consultants, and businesses offering expert advice, services, or design work. It protects against legal costs and claims for damages due to an error, negligence, or act of omission throughout the course of business. Essentially, it's cover that protects you and your business if you fail to present work to a professional standard.

Key Benefits of Professional Indemnity Insurance

Financial Protection

PI insurance provides financial protection by covering legal expenses, court costs, and compensation payouts in the event of a professional negligence claim.

Enhanced Reputation

Having PI insurance can enhance your reputation as a responsible and reliable professional or business, reassuring clients that they are protected in case of unforeseen issues.

Legal Compliance

In many industries, having Professional Indemnity Insurance is a legal requirement. Failing to comply with this requirement could result in fines and other legal consequences.

Peace of Mind

Knowing that you have insurance coverage can provide peace of mind, allowing you to focus on your work without the constant worry of potential legal claims.

Coverage and Policy Inclusions

The specifics of a Professional Indemnity Insurance policy can vary depending on the insurer and your profession, but typically, the following components are included:

Professional Negligence Coverage

This is the core component that covers claims related to errors, omissions, or mistakes made in your professional services.

Legal Costs

PI insurance typically covers the legal costs associated with defending a claim, including court fees and legal representation.

Run-Off Coverage

Some policies include run-off coverage, which protects you even after you've retired or ceased operations, covering claims that may arise from past work.

Who Needs Professional Indemnity Insurance?

Professional indemnity insurance is mandatory in some industries, such as medicine, accounting, and finance, with the requirements differing from state to state. But even in cases where it’s not required by law, it is highly recommended for anyone who provides professional services or advice to clients in exchange for a fee, such as engineers, marketing specialists, designers, and IT consultants.

Doctors and Healthcare Professionals

To protect against claims resulting from medical errors, misdiagnoses, or surgical complications that could lead to patient harm.

Legal Practitioners and Law Firms

To cover legal costs and damages in cases of legal malpractice, such as providing incorrect legal advice or mishandling cases.

Accountants and Financial Advisors

To safeguard against errors in financial advice, accounting, or tax planning that could result in financial losses for clients.

Architects and Engineers

To mitigate liability for design flaws or construction errors that may compromise the safety or functionality of a building or structure.

IT Consultants and Software Developers

To protect against claims of software or system failures that lead to data breaches, financial losses, or business disruptions.

Graphic Designers and Marketing Agencies

To address claims of copyright infringement, design errors, or misrepresentation in marketing materials, which can harm a client's reputation.

Real Estate Agents

To cover potential errors or omissions during property transactions, such as incorrect property valuations or failure to disclose information.

Get Your Professional Indemnity Quote Today

At Midland, we specialise in simplifying the complexities of Professional Indemnity Insurance, making it accessible and tailored to your unique needs. Whether you're a medical practitioner, legal professional, architect, or any other expert in your field, we can craft a policy that suits you perfectly.

PI Insurance is your safety net, your peace of mind, and your ticket to pursuing your profession with confidence. Contact us for a free, no-obligation quote today.

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
- Important information about insurance contracts
- Midland FSG
- Terms of Engagement
- Privacy statement and compliance
- General Insurance Code of Practice
- Insurance Brokers Code of Practice
- Complaints and disputes

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.

linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram