In the travel industry, risks can emerge suddenly — from trip disruptions and customer disputes to trip and falls, and other liability claims. That’s why working with a knowledgeable insurance broker is vital. The right broker ensures your business is protected, and that your clients travel with confidence.

Gow-Gates Insurance Brokers is widely recognised in the industry as a broker that can provide solutions for tour operators and travel agencies in Australia. We have deep understanding of the travel sector, and that is backed with support from Lloyd’s of London underwriters for tailored policies specifically for agencies, tour operators, and individual consultants.

Our newly launched Travel Agents and Tour Operators Professional Indemnity and Broadform Liability includes Professional Indemnity and Public and Products (Broadform) Liability — all in one product. It’s a practical response to what Australian travel professionals actually need: cover that protects against both operational and legal risks.

We specifically built our travel team of experts to offer not just policy options, but real support and insight: helping businesses navigate insurance complexities confidently.

Whether you’re an individual agent or part of a larger agency, having the right broker to recommend you the most suitable insurance policy for your business makes it easier to build trust with clients — and deliver a more complete service.

Travel Agency Insurance and Tour Operator Insurance

Travel brings a unique set of risks. Missed meetings, cancelled flights, data loss, or even workplace injury abroad can disrupt plans and impact revenue. That’s why businesses rely on tailored travel agency insurance; and why working with a skilled insurance broker for travel agency and tour operator insurance is so important.

Gow-Gates’ Travel Agents and Tour Operators Professional Indemnity and Broadform Liability is designed to meet the evolving needs of clients who help travelers. It includes, but is not limited to:

• Professional Indemnity: Which can cover civil liability in connection with your professional business, as well as advices including miscommunication or incorrect bookings.
• Public & Products Liability (opt-in): Cover for compensation in respect of bodily injury or property damage in connection with your business operations.

Unlike off-the-shelf travel agency and tour operator insurance, this policy is flexible and created with direct input from travel industry professionals. Its commercial-grade coverage and low excess structure give businesses peace of mind, even during complex or multi-leg trips.

Whether you're a corporate travel manager or a business consultant managing your own logistics, Gow-Gates ensures business protection.

What Should Insurance for Travel Agencies Cover?

Every travel agency insurance policy isn’t made equal. A good policy — especially one built for professionals — needs to protect against the full range of potential disruptions.

So, what should insurance for travel agencies cover? At a minimum, civil liability associated with:

• Trip cancellations or interruptions due to illness, weather, or political unrest
• Medical emergencies, including hospitalisation or evacuation
• Lost, stolen, or delayed luggage
• Travel delays and related costs
• Personal liability

If a civil liability claim is made against your business seeking compensation in respect of the above, then Gow-Gates’ Travel Agents and Tour Operators Professional Indemnity and Broadform Liability can be called upon – subject to Policy Terms & Conditions, noting that each claim must be assessed on its merits.

The policy is built for the modern travel industry; combining the essentials of cover with the commercial protections that professionals need.

For those looking for a dependable, experienced insurance broker, Gow-Gates delivers the coverage, and the clarity required to move forward with confidence.

Contact Gow-Gates today and get expert guidance tailored to your travel business.

Disclaimer:

This information is general in advice only and does not take into account your personal objectives, financial situation or needs. The information provided in this blog post is for general informational purposes only and does not constitute legal, financial, or insurance advice.

The response of an insurance policy to a claim can vary depending on each particular circumstance and the terms and conditions of the policy.