Interior Fitout Insurance: Protecting Your Business

As the Interior Fitout Association's (IFA) long-time major sponsor, and TotalFitouts preferred insurance supplier, we have developed a range of policies that cater perfectly to the needs of all those in the fitout industry. We can also tailor these policies to assist interior designers & manufacturers, builders, carpenters, cabinet makers, joiners and other wood working trades with their insurance needs.

Finding you the most appropriate cover that protects every aspect of your business is what we do best. From property insurance and public liability cover, to contract works and equipment cover while in transit, we'll find you a policy that fits.

Key Benefits of Interior Fitout Insurance

Generic policies often miss the mark when it comes to covering the real risks of your business. Tailored cover makes sure you're protected where it matters most.

Protect Your Assets

Cover tools, equipment, and materials against theft, damage, or loss.

Stay Project-Ready

Meet client requirements with the right insurance in place.

Work Without Worry

Minimise disruption and keep projects on track when setbacks happen.

Fit-for-Purpose-Cover

Customise your policy to suit your niche - whether it’s retail, hospitality, or commercial office fitouts. Get coverage that matches your specific risks and needs. 

Interior Fitout Insurance Coverage

Comprehensive protection designed specifically for the fitout industry.

Public Liability

Protection for third-party injury or property damage during fitout work.

Professional Indemnity

Coverage for errors, omissions, or negligent acts in professional services and advice.

insurance for retail businesses

Business Interruption

Protects income and expenses when unforeseen events force you to stop trading

Plant & Equipment

Protection for machinery, tools, and equipment against damage or theft.

Contract Works

Coverage for fitout projects against damage during the construction period.

Management Liability

Protects directors and managers against legal, financial, and regulatory claims.

Why Choose Midland for Your Interior Fitout Business Insurance?

Industry Expertise

Midland's brokers are well-versed in the unique risks and challenges that interior designers, contractors, and business owners face. 

Customised Solutions

Every interior fitout business is different, so we tailor our cover to match. At Midland, you'll get a policy built around your needs - not a generic one.

Claims Support

If you need to make a claim, Midland’s here to help. Our dedicated team handles claims quickly and fairly to keep your business moving with minimal disruption.

Strong Industry Relationships

Our strong ties with trusted insurers give us access to a wide range of cover options and let us secure competitive premiums for your business.

Client-centric Approach

We focus on personalised service, taking the time to understand your needs. Our brokers cut through the jargon, guide you through the process, and stay by your side for ongoing support.

Get Your Interior Fitout Insurance Quote Today

Ready to protect your next fitout project? We make it simple to get the right cover, with fast quotes and expert support when you need it. No jargon. No fuss. Just insurance that fits.

You can reach us by either filling out the Request A Quote form on this page, emailing shopfitters@midlandinsurance.com.au, or by giving us a call on 1300 306 571.

Midland are a proud long-time major sponsor of the Interior Fitout Association (IFA), and the preferred insurance supplier for Total Fitouts.

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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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