There are a multitude of risks facing small businesses in Australia today, which is where a Management Liability policy can act as a safety net for your company. New legislation is always on the horizon; workplace accidents are now subject to high statutory scrutiny, employment disputes can be expensive affairs, whilst employee theft and commercial disputes are on the rise.
A Management Liability Insurance policy focuses on the act of running a company. It will address the serious exposures and risks confronting private companies and their management teams.
Management Liability insurance covers legal defense costs, including legal representation and court fees, which can be exorbitant in litigation cases.
This coverage safeguards management personnel against claims related to alleged breaches of duty, mismanagement, wrongful termination, harassment, and more.
A tarnished reputation can spell disaster for any business. Management Liability insurance often includes coverage for public relations efforts to mitigate reputational damage.
If management faces allegations of mismanagement leading to financial losses, this insurance can provide compensation for resulting monetary damages.
Management Liability insurance can cover costs arising from investigations by regulatory bodies, helping businesses navigate through complex legal processes.
Directors and Officers insurance and Management Liability insurance are both crucial for protecting businesses and their leadership from legal and financial risks. However, they serve distinct purposes and offer different scopes of coverage. Here are the key differences between these two types of insurance:
A typical Management Liability insurance policy may include:
Protection for personal assets of directors and officers against claims arising from alleged wrongful acts.
Reimbursement for costs the company incurs when indemnifying directors and officers.
Coverage for claims against the company itself related to D&O actions.
Protection against claims of wrongful termination, harassment, or discrimination.
Extends coverage to the company itself, providing additional protection.
Management Liability insurance is tailored to meet the needs of various businesses, including but not limited to:
With limited resources, legal claims can be daunting for SMEs. Management Liability insurance is vital for their protection and growth.
Businesses of all sizes face legal challenges. This coverage equips them with a shield against potential threats to their leadership.
Even non-profits need to safeguard their management from lawsuits that could divert resources away from their mission.
Midland Insurance Brokers understands the intricate risks businesses face in today's corporate landscape. Our customised Management Liability insurance solutions empower businesses to make informed decisions, confident in the protection against legal and financial uncertainties.
Don't leave your business's future to chance. Contact us today to explore how Management Liability insurance can provide the security and assurance your business deserves.
Either fill out 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.
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.
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.
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.
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.
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.

