Travel agents and tour operators work in a complex risk landscape and can often inadvertently find themselves underinsured—or even uninsured. This can have consequences for travel businesses.

Gow-Gates has recently strengthened its travel team with the addition of experienced travel insurance advisers, Ella Nicholson and Allison McDonnell. Their appointments reflect a commitment to helping the industry better understand the complexities of insurance —ensuring businesses have the right cover in place. A fresh team, a big outlook, partnered with a Lloyd’s of London–backed underwriter, Gow-Gates have developed a new Combined Travel Insurance policy that’s both practical and responsive to industry needs.

The updated offering

Gow-Gates’ Combined Travel Insurance offers both professional indemnity (covering claims by third parties for negligence, errors in advice, or poor organisation of tours) and public and products liability (bodily injury, mental injury, or damage to property) cover.

With competitive coverages, the policy includes types of cover that many businesses have needed but struggled to obtain. It features a strong bodily injury limit—often excluded or reduced in other policies, making it a much-needed solution for travel organisations.

The new team

Gow-Gates has introduced a revitalised team to support the travel industry. The team—now bolstered by Ella and Allison—is passionate about helping travel professionals make sense of insurance and secure the protection they need. Their experience, combined with Gow-Gates’ broader advisory capabilities, ensures your business is supported across a wide range of risks.

In addition to travel-specific insurance, the Team can advise on property, business interruption, crime, cyber, and more. Whether you’re reviewing existing cover or navigating a new risk, Gow-Gates’ advisers are just a phone call away.

The offerings also include additional discounts for certain accredited travel agents and affiliated or associated members—further demonstrating commitment to the industry.

Travelling with confidence

The Combined Travel Insurance product is designed for flexibility, offering limits from $500,000 to $15 million. With a low $500 professional indemnity excess, it supports your cash flow when a claim occurs—without compromising cover.

Developed in consultation with insurers and industry partners, this product—backed by a dedicated team, redefines how travel businesses protect themselves.

Get tailored insurance advice for your travel business—speak to Gow-Gates travel team today.