New Year Break – RISK Checklist

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The end of year is a time for fun and celebration, what is known as the ‘silly season’ can also pose several risks for business owners. It is important to stop and think about the implications of a serious incident occurring in your facility. Below are a few of Midland Insurance Brokers’ best tips on how you can avoid some of festive season’s risks and don’t forget to use the TO DO list to ensure you are fully prepared.

TIP 1
There is a rise in workplace accidents during the Christmas period as many businesses don’t take proper safety precautions in a rush to meet deadlines.  Whatever your deadline is, the cost of a workplace accident is far greater. During this time, it is important to uphold good housekeeping including checking more regularly for hazards.

TIP 2
The festive season usually brings with it an increase in crime, particularly burglary. It is a good idea to heighten your security measures - Check that security alarms, lighting and CCTV are operating properly and that sensors are not obscured.

TIP 3
In Australia, the festive season also happens to be smack-bang in the middle of storm and bushfire season. The damage a large-scale thunder storm, cyclone or bushfire can cause is difficult to deal with at the best of times, but during the Christmas period impact of a natural disaster can be much more significant It’s always advisable to ensure your insurance cover is up to date and factors in the cost of your business being disrupted as well as the cost of replacing physical items.

TIP 4
Most businesses will host some form of end-of-year party. While this is a great time to celebrate your team’s hard work, it can also be a time when things can go very wrong, particularly with alcohol involved. Normal occupational health and safety rules still apply so ensure the service of alcohol policy is strictly enforced and provide transport so your staff can get home safely.

Australian business insurance checklist

TIP 5
The rush to deliver on time coupled with employees taking leave during the New Year period means many businesses turn to temporary staff to help out. As with any new employee, temporary staff will likely be unfamiliar with your business processes or safety practices, which could lead to mishaps. Make sure your temporary staff are performing tasks that match their skills and experience and provide any new employee with a proper workplace induction.

New Year Break – RISK Checklist

New Year Break – RISK Checklist 

The end of year is a time for fun and celebration, what is known as the ‘silly season’ can also pose several risks for business owners. It is important to stop and think about the implications of a serious incident occurring in your facility. Below are a few of Midland Insurance Brokers’ best tips on how you can avoid some of festive season’s risks and don’t forget to use the TO DO list to ensure you are fully prepared.

TIP 1
There is a rise in workplace accidents during the Christmas period as many businesses don’t take proper safety precautions in a rush to meet deadlines.  Whatever your deadline is, the cost of a workplace accident is far greater. During this time, it is important to uphold good housekeeping including checking more regularly for hazards.

TIP 2
The festive season usually brings with it an increase in crime, particularly burglary. It is a good idea to heighten your security measures - Check that security alarms, lighting and CCTV are operating properly and that sensors are not obscured.

TIP 3
In Australia, the festive season also happens to be smack-bang in the middle of storm and bushfire season. The damage a large-scale thunder storm, cyclone or bushfire can cause is difficult to deal with at the best of times, but during the Christmas period impact of a natural disaster can be much more significant It’s always advisable to ensure your insurance cover is up to date and factors in the cost of your business being disrupted as well as the cost of replacing physical items.

TIP 4
Most businesses will host some form of end-of-year party. While this is a great time to celebrate your team’s hard work, it can also be a time when things can go very wrong, particularly with alcohol involved. Normal occupational health and safety rules still apply so ensure the service of alcohol policy is strictly enforced and provide transport so your staff can get home safely.

Australian business insurance checklist

TIP 5
The rush to deliver on time coupled with employees taking leave during the New Year period means many businesses turn to temporary staff to help out. As with any new employee, temporary staff will likely be unfamiliar with your business processes or safety practices, which could lead to mishaps. Make sure your temporary staff are performing tasks that match their skills and experience and provide any new employee with a proper workplace induction.

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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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