products

Contract Works

When business travel doesn't go to plan, corporate travel insurance can help to cover out-of-pocket costs to your business and employees.

Who should consider Contract Works protection?

Contract works insurance is recommended for small, medium and large commercial, industrial and domestic builders, sub-contractors and owner-builders.

Most owner builders take out contract works insurance for specific contracts.

Professional builders generally choose an annual policy that covers multiple contracts.

‍

Who should consider Business Interruption protection?

mode_heat

If your business suffered an unexpected disruption such as fire, flood or storm - how long would it take to get up and running again?

receipt

For most business owners, there are ongoing expenses that you need to pay even if you're not generating revenue.

finance

Business interruption insurance can get you through a temporary crisis by protecting your cashflow - so you can pay these expenses and help ensure the future of your business.

What can it cover?

Corporate travel insurance varies in the benefits they provide. Your insurance broker can help you find the right product to suit your business travel needs. But to give you an idea, here's the type of cover that your policy may include

Overseas medical and evacuation cost

The prohibitive costs incurred of covering staff for medical and evacuation costs if they become seriously ill or injured during a business trip.

Life and disablement cover

Protect your valued staff if they become disabled or pass away while travelling for business.

Flight cancellations and missed connections

The costs of needing to book additional flights and accommodation for staff.

Rental car excess

The excess on a damaged or stolen rental vehicle.

Loss of deposits

Reimburses deposits on accommodation, flights or conferences if you or your staff member’s trip is cancelled due to accident or illness.

Personal liability

Property damages you may have caused or been responsible for, or bodily damage where you are at fault.

Cost of replacing an employee

The cost of having to employ new staff to replace an employee who is injured or becomes seriously ill during work travel.

Advice when it matters. Advocacy when it counts.

Case Study

Scenario: You start your own small earth moving firm. In the first couple of years, you borrow money and invest much of your income back into the business, buying the latest equipment and a work vehicle. After starting work on a new construction at a new site, you leave your tools and equipment locked in a garage on the site overnight. But that night, thieves break into the garage and steal your tools, worth $25,000.

Outcome: You contact your insurance broker who helps you put in a claim. You are quickly reimbursed for your loss, so you aren't out-of-pocket and can keep your business running.

*Disclaimer: The information contained in this case study is used only for the purpose of illustration. Individual circumstances, insurance and coverage may vary.

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.

Let’s Connect

Thank you for your submission!

Oops! Something went wrong while submitting the form.