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

The fitout industry is dynamic and ever-evolving, and it comes with its own set of risks. Standard insurance policies may not fully address the specific needs of your business. Here's why specialised insurance is crucial:

Protection of Investments

Safeguard your valuable tools, equipment, and inventory from unexpected events, ensuring you can continue to operate smoothly.

Peace of Mind

Focus on your project with confidence, knowing that you have insurance in place to handle potential setbacks.


Many clients and project owners may require proof of insurance before awarding contracts. Having the right coverage can enhance your professional reputation.


Tailor your policy to your fitout specialisation, whether you focus on retail spaces, restaurants, or commercial offices. Get coverage that matches your specific risks and needs.

What Interior Fitout Insurance Covers

Running a thriving interior fitout business in Australia is both rewarding and challenging. With complex projects, valuable assets, and potential risks and liabilities at every turn, having interior fitout insurance is paramount.

Our tailored interior fitout insurance policies typically encompass the following crucial coverage options:

1. Public Liability

  • Coverage for claims related to third-party bodily injury and property damage during fitout projects.
  • Coverage extends to legal defense costs in addition to settlement or judgment expenses.

2. Contract Works

  • Protection for materials, fixtures, and property being worked on during construction or fitout.
  • Provides coverage for damage caused by events such as fire, flood, vandalism, and theft.

3. Tools and Equipment

  • Safeguarding specialised tools and equipment from damage, loss, or theft.
  • Includes coverage for theft of tools and equipment from a locked vehicle or secure storage.

4. Management Liability

  • Protects companies and their directors against mismanagement for losses sustained by third parties.

5. Professional Indemnity

  • Covers a business against the professional advice it provides when a third party suffers financial loss.

6. Motor Vehicles & Plant

  • Covers all registered and unregistered vehicles.

7. Business Interruption

  • Financial support for ongoing expenses and lost income during downtime caused by unforeseen events.
  • Coverage can include losses due to utility service interruptions or supply chain disruptions.

Why Choose Midland for Your Interior Fitout Business Insurance?

Here are five reasons why you should choose Midland Insurance for all your fitout insurance needs:

1. Industry Expertise

Midland boasts a team of experienced insurance professionals with a deep understanding of the interior fitout industry. We are well-versed in the unique risks and challenges that interior designers, contractors, and business owners face. Our expertise allows us to tailor insurance solutions that align perfectly with your specific needs.

2. Customised Solutions

We understand that every interior fitout project is unique. That's why we offer customised insurance coverage. With Midland, you won't get a one-size-fits-all policy. Instead, our team will work closely with you to assess your project's requirements and design a policy that provides the right level of protection.

3. Claims Support

In the unfortunate event of a claim, Midland is by your side. We have a streamlined claims process and a dedicated claims team that will work tirelessly to ensure your claims are processed efficiently and fairly. Our goal is to minimise disruption to your business and expedite the resolution of your claim.

4. Strong Industry Relationships

We've established strong relationships with reputable insurance carriers. These relationships enable us to access a wide range of coverage options and negotiate competitive premiums on your behalf.

5. Client-centric Approach

We prioritise personalised service. We take the time to understand your unique needs and concerns. Our dedicated brokers will guide you through the insurance process, simplify the jargon, and provide ongoing support to ensure you have a hassle-free experience.

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Get Your Interior Fitout Insurance Quote Today

Interior fitout insurance isn't just a safety net; it's an investment in the longevity and success of your interior fitout business. Midland Insurance Brokers specialises in tailoring insurance solutions to the specific needs of Australian interior fitout companies.

Don't leave your business exposed to unexpected risks. Reach out to us today to discuss your interior fitout insurance options and ensure the lasting security and prosperity of your business.

Request A Quote

Midland Insurance Brokers Australia Pty Ltd
ABN 81 006 528 329 AFSL 238963
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