Aged Care and Health

Quality Insurance for Residential Aged Care, Retirement Living and Community Care since 1978.

Our Commitment to Aged Care

In 1978, Gow-Gates was appointed by the Voluntary Care Association to provide an insurance programme for the Aged Care Industry. We established an insurance scheme exclusively for Aged Care providers that were finding it difficult and expensive to obtain necessary insurances.

Today our industry expertise and ability to obtain broad cover and competitive pricing has earned Gow-Gates the reputation for being one of the leading Australian broker in the Aged Care sector.

With almost 40 years of experience, we are one of the longest serving risk advisors for Australia’s Aged Care and Community Care industry. Our excellent industry knowledge and insurer relationships have enabled us to consistently deliver tailored insurance coverage and risk management solutions to suit our client’s needs.

We work with a wide range of organisational and workplace issues that care for you, your staff and your organisation when the unexpected happens. This includes:

  • Home Care
  • Retirement Villages
  • Industry Consultants
  • Residential Care

Our long-established insurance arrangements with our chosen insurer partners ensure we can provide the following automatic and optional covers:

  • Property
  • Liability and professional indemnity / medical malpractice


  • Evacuation costs/alternative accommodation
  • Machinery and electronic equipment breakdown including nurse call systems
  • Residents’ property including jewellery
  • Infectious or contagious diseases
  • Loss of income including interest costs – accommodation bonds


  • Professional indemnity including medical malpractice
  • Good Samaritan cover
  • Indemnity to volunteers
  • Indemnity to residents for gophers/motorised wheelchairs
  • Fraud, including theft of residents money and property
  • Cover for elder abuse, molestation and sexual harassment

Other Insurance Policies

  • Industrial Special Risks
  • Public and Products Liability
  • Management Liability/Directors and Officers
  • Employment Practices Liability
  • Fraud/Fidelity Guarantee/Employee Theft
  • Motor Vehicle (including buses)
  • Journey Protection
  • CTP NSW (including village buses)
  • Construction Insurance
  • Volunteers Accident Insurance
  • Corporate Travel
  • Workers Compensation
  • Cyber Insurance
  • Environmental Pollution
  • Legal Expenses