What to expect from a Gow-Gates insurance broker?

Objective and qualified insurance broking and advice; Expertise in a range of risks, including emerging risks such as cybercrime; Australian owned: a team that knows you and is committed to your success; Unparalleled service that negotiates on your behalf, tailors policies, and manages claims; Experience and knowledge with the risks and insurance options specific to your industry; An annual review to identify gaps and ensure your cover is appropriate and cost effective; Access to over 150 insurers, comparisons and advice on a range of options and solutions.

What services do you provide?

We provide a full range of insurance services to assist in keeping you protected. These include insurance broking and placement, claims management, risk management/advice, risk technology, alternative risk transfer, workers compensation, return to work, wealth advice and mortgage broking.

Which insurers do you use?

As an unaligned broker group, we can open the door to a range of insurers. Our consultants work with Australian and international insurance markets to find the right solution for you.

How do I make a claim?

Our specialist claims team are here to support you at every stage of your claim, during what we know can be a difficult time. From preparation to advocating to your insurer on your behalf, we're on your side. Visit our Claims page to get started.

What type of businesses do you look after?

We can take care of a wide range of businesses and individuals. From small businesses to large corporates, government bodies and even sporting associations, we have the expertise to source and place risk cover you can depend on.

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Aged Care, Retirement Living & Community Care

For over 40 years, we’ve been on the front line of developing insurance schemes for aged care organisations. We’ll take care of your business and employees - so you can take care of your clients.

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Experience

We’ve been providing insurance solutions to the aged care sector since 1978. Our experience and deep insurance knowledge give us a unique ability to work with you to find solutions.

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Market Reach

With extensive industry connections, we can offer you a wider range of cover – with inclusions specific to the aged and community care industries.

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Support

If you need to make a claim, we’ll guide you through the process and advocate on your behalf to secure a fast settlement – with minimal disruption to your business and clients.

Your partner in aged care since 1978

You’re caring for those who need it most. It’s an essential job that comes with distinct risks, including workforce shortages, regulatory compliance and the challenges of managing stakeholders with competing interests. Whatever the size of your organisation, we’ll help you find the right protection.

And we’ll support you while you do the important work of supporting others.

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Expert Approach, Enduring Relationships & Experience

Reduce your costs, limit disruption, and keep your employees safer with specialised insurance solutions from the experts who know your industry inside and out.
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In 1978, Gow-Gates’ presented the strongest tender to the largest aged care association body in Australia, the Voluntary Care Association (VCA) resulting in a key advisory position to the overall industry which has since spanned over four decades.

“It is an excellent money saving package and the very success of it depends on your support. Your Council has fully considered this Scheme and wholeheartedly recommends Gow-Gates Insurance Brokers to our members.”- VCA, 1978.
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‘A history of help in challenging times’ – Australian Ageing Agenda

Gow-Gates Insurance Brokers has a long history of helping the aged care industry find cost-effective and comprehensive insurance solutions. Full article in the link.

Advice when it matters. Advocacy when it counts.

How can you best protect your business?

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Fire and Property Damage

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Financial Loss / Business Interruption

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Government and Regulation

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Workforce Shortage

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Medical Malpractice / Professional Indemnity

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Public and Product Liability

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Directors, Officers & Management Liability

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Workplace, Health & Safety

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Voluntary Workers

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Cyber

Local Experts, Here When You Need Us

Howard Kaye

Head of Corporate and Risk Management

Nicole Magro

Account Manager

Marie D’Have

Team Manager, Executive and Financial Risks

We're here to help.

Whether you have a question or need to solve a problem, you can find support tailored to your needs.

FAQs

Clear answers to help you understand our insurance solutions quickly and confidently

What can I expect from a Gow-Gates broker?

You’ll work directly with experienced brokers who take the time to understand your risk, challenge assumptions, and give advice that stands up when tested. We don’t disappear after placement. We stay accountable through claims, renewals, and change.

Do you work with businesses of all sizes?

We support a wide range of organisations, from growing businesses to complex national entities. Regardless of size, our approach remains the same: senior involvement, considered advice, and accountability for outcomes.

Which insurers do you work with?

We work with more than 150 Australian and international insurers. But our role isn’t to compare quotes, it’s to structure the right insurance program and negotiate outcomes on your behalf. We advocate for you in the market, not the other way around.

What happens if I need to make a claim?

Claims are where brokers prove their value. We manage the process end‑to‑end, challenge insurers where needed, and stay involved until resolution. You deal with the same team who advised you upfront, because accountability doesn’t stop when a premium is paid.

How do you approach insurance advice?

Insurance is a tool, not a product. Our advice starts with understanding your business, identifying where risk genuinely sits, and designing cover that reflects reality, not boilerplate policy wordings. That approach leads to better decisions and fewer surprises at claim time.

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