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.

industries

Equine & Bloodstock Insurance Solutions

Horses and bloodstock require a significant outlay of time, money and energy, and the risks are high. From injury, illness and death to theft - if something unexpected happens the costs can mount up quickly. Protect your investment, without being taken for a ride.

Discover our industry pedigree

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Customised Solutions

We provide creative risk solutions and tailored coverage for the equine industry — from racehorses and performance horses to breeding stock and voluntary workers.

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Expertise & Advocacy

With over 50 years in the equine industry, we're your trusted advocate, protecting your horses and assets with deep, specialised expertise.

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Cost Effective

Designed to provide the right protection at the right price. Our specialist equine team delivers quality cover without the high premiums often seen in standalone policies.

Why do you need the right type of equine insurance?

Anyone involved in equine sports knows the risks to horses, riders, and businesses can be significant. That’s why it’s essential to have the right type of equine insurance in place. Finding the right level of cover can be challenging. Our expertise in the industry means we understand the unique risks and challenges that come with owning, training, or racing horses.

We can offer fresh solutions and access to insurance packages that others may not be able to offer. Protecting yourself or your equine business activity doesn't have to be complicated.

Let us help you find the right coverage for your peace of mind.

Advice when it matters. Advocacy when it counts.

trusted by the best

What our clients say

How can you best protect your business?

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Public Liability and Products Liability Insurance

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Workers Compensation Insurance

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Bloodstock Mortality

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Professional Indemnity Insurance

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Performance Horse Insurance

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Association Liability

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Farm and Business Property Insurance

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Voluntary Workers Insurance

Local Experts, Here When You Need Us

Raphael Tamayo

Head of Commercial , Private & Structured Risk

Alain Sayour

Manager, Commercial

Allira Gould

Account Manager, Equine

Anna Ryan

Senior Account Executive | Bloodstock

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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