# Gow-Gates > Gow-Gates is an Australian insurance broking and risk advisory firm, privately owned and operating for > over 60 years. It arranges insurance and provides risk consulting, claims management and advocacy, > workers compensation, self-insurance, work health and safety services, and return to work support for > Australian organisations. Its distinguishing specialisation is association and member programs: schemes > built for industry bodies, sporting associations and their members, alongside industry practices in aged > care and health, NDIS, equine and bloodstock, franchising, unions, travel and transport. The legal entity is Gow-Gates Insurance Brokers Pty Ltd, ABN 12 000 837 785, AFSL 245432. In its own published wording, Gow-Gates "arranges the insurance and is not the insurer": it is a broker and adviser acting for the client, not an underwriter, so it does not issue policies or pay claims itself. Gow-Gates publishes at gowgates.com.au. The office is at Level 8, 491 Kent Street, Sydney NSW 2000, and enquiries go through gowgates.com.au/contact-us or +61 2 8267 9999. The association and member program model is the part of the business least like a general broker, and the programs listed below are the specific schemes it runs. Last reviewed: 2026-09-09. ## About - [Gow-Gates](https://gowgates.com.au/): Risk advice and insurance broking for Australian organisations. - [About us](https://gowgates.com.au/about-us/about-us): The firm, its history and how it is owned. - [How we work](https://gowgates.com.au/about-us/how-we-work): The advisory approach and what working with the firm involves. - [Associations](https://gowgates.com.au/about-us/associations): The association and member program model, and the organisations it is built for. ## Services - [Services](https://gowgates.com.au/services): The full advisory and broking service range. - [Insurance broking](https://gowgates.com.au/service/insurance-broking): Assessing risk, negotiating cover with insurers, and managing claims on the client's behalf. - [Risk consulting](https://gowgates.com.au/services/risk-consulting): Identifying, monitoring and managing business risk, with qualified risk consultants. - [Claims management](https://gowgates.com.au/services/claims-management): Claims handled from preparation through to settlement, advocating for the client against the insurer. - [Workers compensation](https://gowgates.com.au/services/workers-compensation): Risk identification, claims prevention and program management across Australian schemes. - [Self insurance](https://gowgates.com.au/services/self-insurance): Assessing feasibility and designing self-insurance structures. - [Return to work support](https://gowgates.com.au/services/return-to-work-support): Managing the return to work process for injured employees and the compliance around it. - [Work health and safety](https://gowgates.com.au/services/work-health-safety-services): Safety systems, audits and ongoing WHS compliance support. - [Private insurance](https://gowgates.com.au/services/private-insurance): Cover for high value personal assets, including fine art, property and vehicles. - [Risk technology](https://gowgates.com.au/services/risk-technology): Systems given to clients for managing risk and claims. ## Industries - [Industries](https://gowgates.com.au/industries): Every industry practice, and the schemes attached to each. - [Aged care and health](https://gowgates.com.au/industries/aged-care-and-health): Aged care, retirement living and community care providers. - [NDIS](https://gowgates.com.au/industries/ndis): NDIS service providers. - [Sport clubs and associations](https://gowgates.com.au/industries/sport-clubs-and-associations): Sporting clubs, associations, their members and athletes. The entry point to the sport programs below. - [Equine and bloodstock](https://gowgates.com.au/industries/equine-and-bloodstock): Equine and bloodstock risks, including breeding and racing. - [Franchising](https://gowgates.com.au/industries/franchising): Franchisors, franchisees and franchise networks. - [Travel agents and tour operators](https://gowgates.com.au/industries/travel-agents-and-tour-operators): Travel agents and tour operators. - [Transport and logistics](https://gowgates.com.au/industries/transport-and-logistics): Vehicles, cargo and liability for transport operators. - [Unions](https://gowgates.com.au/industries/unions): Trade unions and their members. - [Small and medium enterprises](https://gowgates.com.au/industries/small-medium-enterprises): Insurance and risk advice for Australian SMEs. - [Corporations](https://gowgates.com.au/industries/corporations): Larger corporate risk programs and access to global insurance markets. - [Executives and professionals](https://gowgates.com.au/industries/executives-and-professionals): Cover for professional liability, reputation and personal assets. - [Agriculture, food and beverage](https://gowgates.com.au/industries/agri-food-and-beverage): Agricultural, food and beverage businesses. - [Public and private trustees](https://gowgates.com.au/industries/public-and-private-trustees): Trustees arranging insurance on behalf of the people whose affairs they manage. ## Products - [Public and products liability](https://gowgates.com.au/products/public-and-products-liability): Liability for injury or damage caused to third parties. - [Professional indemnity](https://gowgates.com.au/products/professional-indemnity): Cover for claims arising from professional advice or services. - [Management liability](https://gowgates.com.au/products/management-liability): Cover for directors, officers and the company for management decisions. - [Cyber](https://gowgates.com.au/products/cyber): Cover for hacking, data breaches and cyber crime. - [Business interruption](https://gowgates.com.au/products/business-interruption): Cover for lost income when operations are disrupted. - [Industrial special risks](https://gowgates.com.au/products/industrial-special-risks-isr): Broad property and consequential loss cover for larger operations. - [Contract works](https://gowgates.com.au/products/contract-works): Cover for construction projects while work is under way. - [Marine](https://gowgates.com.au/products/marine): Cargo, hull and marine liability. - [Corporate travel](https://gowgates.com.au/products/corporate-travel): Cover for employees travelling for work. - [Event](https://gowgates.com.au/products/event): Cover for events, including cancellation and liability. - [Taxi](https://gowgates.com.au/products/taxi): Cover for taxi operators and fleets. ## Association and member programs - [Football member federations](https://gowgates.com.au/football-member-federations): The national picture of the football federation programs listed below. - [Football NSW](https://gowgates.com.au/sport-programs/football-nsw): Insurance for Football NSW clubs, players and officials. - [Northern NSW Football](https://gowgates.com.au/sport-programs/northern-nsw): Insurance for Northern NSW Football clubs, players and officials. - [Capital Football](https://gowgates.com.au/sport-programs/capital-football): Insurance for Capital Football clubs, players and officials. - [Football Victoria](https://gowgates.com.au/sport-programs/football-vic): Insurance for Football Victoria clubs, players and officials. - [Football Queensland](https://gowgates.com.au/sport-programs/football-qld): Insurance for Football Queensland clubs, players and officials. - [Football South Australia](https://gowgates.com.au/sport-programs/football-sa): Insurance for Football SA clubs, players and officials. - [Football West](https://gowgates.com.au/sport-programs/football-west): Insurance for Football West clubs, players and officials. - [Football Tasmania](https://gowgates.com.au/sport-programs/football-tasmania): Insurance for Football Tasmania clubs, players and officials. - [Football NT](https://gowgates.com.au/sport-programs/football-nt): Insurance for Football NT clubs, players and officials. - [Athletics](https://gowgates.com.au/sport-programs/athletics): The athletics member and club program. - [PGA Australia](https://gowgates.com.au/sport-programs/pga-australia): Insurance for PGA Australia members, coaches, officials and clubs. - [Pony Club Australia](https://gowgates.com.au/sport-programs/pony-club-australia): Insurance for Pony Club Australia clubs and members. - [Equestrian Australia](https://gowgates.com.au/sport-program/equestrian-australia): Insurance for Equestrian Australia members, clubs and events. - [Harness Racing Victoria](https://gowgates.com.au/sport-programs/harness-racing-victoria): The Harness Racing Victoria participant program. - [NSW Trainers Association](https://gowgates.com.au/sport-programs/nsw-trainers-association): The NSW Trainers Association member program. ## Claims and questions - [Make a claim](https://gowgates.com.au/claims): How to lodge a claim, and how the claims team supports it through to settlement. - [FAQs](https://gowgates.com.au/faqs): Common questions on claims, quotes and managing an existing policy. ## Optional - [Financial services guide](https://gowgates.com.au/compliance-and-governance/financial-services-guide): The regulated disclosure document covering services, remuneration and licensing. - [Target market determinations](https://gowgates.com.au/compliance-and-governance/target-market-determinations): Who each product is designed for, as required by law. - [Sitemap](https://gowgates.com.au/sitemap.xml): Every URL on the site.