Business and Commercial Insurance Brokers
You’ve worked hard to build your business. Midas is here to help protect it. We specialise in tailored business insurance solutions for companies of all sizes, across a wide range of industries.
Unlike a direct insurer that sells a single product, we’re a specialist insurance broker who works for you. We compare quotes from multiple insurers, explain the fine print, and help you find the right level of cover at a competitive price.
Why Choose Midas as Your Insurance Broker?
There’s more than one reason thousands of businesses trust us to arrange their insurance:
• 41+ Years of Experience
- We've been protecting Australian businesses for over four decades.
• We Work for You, Not the Insurer
- We act in your best interest, helping you navigate exclusions and conditions that could otherwise be missed.
• Tailored Insurance Solutions
- Your policy is built around your specific industry, risks, and goals, never one-size-fits-all.
• Multiple Quotes, More Choice
- We compare policies from several insurers to give you the best fit and value.
• Expert, Responsive Support
- Our consultants are experienced, easy to reach, and ready to assist from quote to claim.
Protect Your Business
Don’t leave your business exposed to potential liabilities.
Reach out to Midas Insurance brokers today at 1300 664 272 or fill out our quote form.
Business Insurance for Your Industry
We work with businesses of all shapes and sizes, from sole traders to national operators. Our industry experience includes:
Retailers
Tailored cover for fashion, homewares, sporting, and specialty retailers.
Trades & Services
Simple and reliable protection for self-employed tradies and service-based businesses.
Hospitality
Trusted cover for cafes, restaurants, caterers, and licensed venues.
Office & Professional Services
Insurance for consultants, medical professionals, real estate agents, and more.
Manufacturing & Wholesaling
Protection for stock, machinery, and business continuity risks.
Not-for-Profit Organisations
Cover designed for community groups, charities, and volunteer-based organisations.
Commercial Property Owners
nsurance for business premises and rental liabilities.
Want to dive deeper into a specific service? Reach out to our team, and we’ll guide you through every step.
What Can Business Insurance Cover?
Every business carries risk, and we’ll help tailor a policy to address the ones that matter most. Your insurance may include:
1. Fire and Perils
Protection for buildings, contents, and stock from events like fire, storm, or water damage.
2. Business Interruption
Helps recover lost income and manage extra costs if you’re forced to pause operations after an insured event.
3. Burglary
Safeguards your business against break-ins and theft that lead to property damage or stock loss.
4. Glass (Plate Glass)
Includes shopfronts, signage, and interior glass panels, often targeted by vandalism.
5. Machinery Breakdown
Covers sudden breakdowns of essential mechanical equipment, such as air conditioning or refrigeration systems. Stock spoilage can also be included.
6. Computer & Electronic Equipment Breakdown
Assists with replacement or temporary alternatives to keep your business running after a system failure.
7. General Property
Provides protection for portable business items—like tools, laptops, or samples—used offsite anywhere in Australia.
8. Cash Loss
Insures money stored on your premises, in transit, or in your personal custody.
9. Employee Dishonesty
Offers financial protection if a staff member commits fraud or theft involving your business property or funds.
We can include these in your tailored policy or explore them with you in more detail.
Protect Your Business
Don’t leave your business exposed to potential liabilities.
Reach out to Midas Insurance brokers today at 1300 664 272 or fill out our quote form.
Get in Touch and Take the First Step Today
Don’t wait for a disaster to find out you have the wrong cover. Contact Midas Insurance Brokers today to have a member of our expert team assist you in choosing the right commercial insurance services that meet your needs.
Frequently Asked Questions
What is Business and Commercial Insurance?
Business Insurance (also known as Commercial Insurance) is a combination of cover types packaged into one policy.
It typically includes Public Liability, Property Damage, and Business Interruption, with optional extras like Glass or Machinery Breakdown depending on your business.
Why should I use an insurance broker instead of buying direct?
Insurance companies sell you their products. Brokers like Midas represent you. We help identify your risks, compare policies across the market, and advocate for you at claim time. Our goal is to make sure you’re properly covered, without paying for things you don’t need.
How much does business insurance cost?
It depends on your industry, turnover, staff size, location, and the covers selected. We compare several options to find you the best mix of price and protection.
What type of insurance does my business need?
- Retailers often need Property Damage, Glass, and Public Liability
- Tradespeople may need Tool Cover and Public & Products Liability
- Offices might require Computer Breakdown and Cyber Insurance
We’ll help you assess the right combination based on your risks.
Is business insurance only for large companies?
Not at all. Every business carries some level of risk. Whether you’re a sole trader or manage multiple sites, we can help you find cover that fits.
What are the risks of not having insurance for your business?
If something goes wrong and you’re uninsured, the cost often falls directly on you. Liability claims, legal fees, property damage, or stolen equipment can all impact your ability to trade and recover.
For example, if a customer is injured on your premises or a client claims your advice caused a financial loss, the consequences can be serious. Insurance helps absorb those risks so you’re not left facing large out-of-pocket expenses.
What insurance might a small business consider getting?
Small businesses often need cover that reflects their size, setup, and daily operations. Public Liability Insurance is common, especially for retail, trades, and service-based businesses.
Depending on what you do, you might also consider cover for tools, stock, business interruption, or professional indemnity. Whether you’re on the tools, behind a desk, or selling products, we can help tailor a package that fits your setup.
Get Your Business Insurance Quote Today
Let our experts guide you to the right business insurance tailored to your needs. Don’t leave things to chance – ensure your business is protected.
Explore Our Comprehensive Insurance Services
At Midas, we cater to a diverse range of insurance needs:
Marine Insurance
From freight forwarding to overseas household moves, secure the best marine coverage with us.
Commercial Insurance
Comprehensive solutions tailored for businesses. Whether you need coverage for cyber threats, events, or commercial fleets, we've got you covered.
Professional Insurance
Specialised policies for professionals, including management liability and professional indemnity coverage.
Personal Insurance
Policies tailored to your lifestyle, covering everything from home and contents to motor vehicles and travel.
Want to dive deeper into a specific service? Reach out to our team, and we’ll guide you through every step.
Explainer Video:
Take a look at this video which explains how Business Insurance can protect your business.
Click here to ask a question about what you see here.
Click here to ask a question about what you see here.