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Why Legal Expenses Insurance Is a Must-Have for Australian Small Businesses
Thursday, April 3rd, 2025
Could your business afford to fight a legal battle — even if you did nothing wrong? Running a small business in Australia today is no easy feat. Between juggling operations, staff, customers, and compliance, most owners don’t have time to think about legal issues; until they’re knee-deep in one. That’s where Legal Expenses Insurance (LEI) […]
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The Future of Autonomous Vehicles and Its Impact on the Australian Insurance Industry
Thursday, March 27th, 2025
  The Changing Face of Risk and Liability Traditionally, automotive insurance in Australia primarily addresses human error, a leading cause of road incidents. However, AV technology promises reduced collisions through advanced sensors, artificial intelligence, and automated decision-making processes. According to the National Transport Commission (NTC), human error contributes to over 90% of crashes in Australia. […]
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What Is The Cost Of Cyber Insurance?
Tuesday, March 11th, 2025
Have you ever wondered if cyber insurance is genuinely worth the cost? As a business owner, I often get asked about cyber insurance. With cyber incidents becoming increasingly common, particularly in Australia, I decided to dive deep into what it actually costs and whether it's truly beneficial. Is Cyber Insurance Worth the Price? Recently, I […]
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How To Obtain Personal Liability Coverage in Australia?
Tuesday, March 11th, 2025
Have you ever wondered what would happen if someone got injured at your home, or if you accidentally damaged someone else's property? I recently came across this question myself. As someone who’s deeply involved in helping Australians protect themselves and their businesses, I realised many people aren’t clear about what personal liability coverage actually is, […]
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The Hidden Risks of Delayed Insurance Claims and Unauthorised Legal Representation
Thursday, March 6th, 2025
Insurance policies are designed to provide financial protection and support in times of need. However, many policyholders inadvertently compromise their coverage by delaying claim notifications or appointing legal representation without insurer approval. These issues can have serious financial and legal consequences, leading to disputes over coverage and unexpected out-of-pocket expenses. Delays in Claim Notification: A […]
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Supporting Mornington Peninsula Businesses: Why Choose a Local Insurance Broker?
Thursday, February 27th, 2025
Choosing the right insurance for your business is a big decision, and having someone who truly knows the local area can make all the difference. At Midland, our Somerville office on the Mornington Peninsula is committed to helping local businesses find tailored coverage for their unique needs. Unlike dealing with a call centre or navigating […]
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10 Main Challenges that Small Business Owners Face
Tuesday, February 4th, 2025
Are you facing challenges that are causing you to to struggle keeping your small business afloat in Australia? Owning and operating a small business in Australia is a good idea but it comes with obstacles that are easy to avoid. Ranging from the parallel administration of daily tasks to the maintenance of customers, to promoting […]
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The Risks of Switching Insurance Companies
Tuesday, February 4th, 2025
Have you ever considered whether switching your insurance provider outweighs the possible risks? Changing insurance providers may appear to be a fast route to saving money or obtaining better coverage, but it does come with challenges. Many Australians consider switching when they encounter appealing deals from rivals, yet grasping the potential drawbacks is crucial for […]
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Why Legal Entity Names On Insurance Policies Matter More Than You Think
Thursday, December 19th, 2024
When you buy insurance for your business, there’s one detail you don’t want to overlook: making sure that the name on the policy – the “Insured” name – exactly matches your business’s full legal name. This might sound like a simple thing, but many businesses don’t realise how important it is. Ensuring these names match […]
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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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