Midland offers a wide variety of services, from personal and risk insurance, through to property and business and even travel insurances. Whatever you need to secure, Midland has the product for you. Simply click on anyone of the listings to the right to be taken to the appropriate page. Or you can contact us for a no-obligation quote or excellent advice on whatever it is you require.
Landscapers
Domestic Building Insurance is a legislated, mandatory policy for certain domestic building undertakings which is underwritten by the Victoria State Governments insurance arm- the VMIA.
Who needs it?
Builders who are undertaking domestic building works greater than $16,000 in the state of Victoria are obliged to take out a DBI policy on behalf of their client. Works that require such a DBI policy include:
- Construction of a domestic dwelling, including ancillaries such as swimming pools, fences and landscaping. - Renovation of a domestic dwelling, the works of which are worth over $16,000. Demolition of a domestic dwelling. - The provision of sewage works, air-conditioning/ heating works and lighting works, the price of which is over $16,000.
Why do we need it and what does it cover?
The policy is legislated to protect owners of domestic dwellings in instances of “last resort”. This consists of construction works that may not have been completed due to a builder dying, disappearing or becoming insolvent. Home owners are able to claim up to a maximum of $300,000 to rectify such instances
When does the cover start?
Cover commences on the date of the building contract or the date of the building permit- whatever is earliest. Cover ceases 2 years after completion for non structural works, or 6 years after completion of structural works.
How do I apply?
Eligibility; to apply for Individual DBI policies, eligibility must first be granted. This is done by filling in the below form. Once eligibility is established, for each project you wish to undertake which requires DBI you must fill in an application form and submit a copy of the building contract to your broker, who will then, upon receipt of payment issue building certificates.
How can Midland Help?
Midland is one of only a handful of Victoria brokers eligible to handle DBI policies. Our experienced professionals can talk you through all steps of the process, which at times can be quite complex. Call us on 03 9349 2733 to talk to one of our brokers
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
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
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
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
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
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
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
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
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.
