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Corporate Travel

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 Corporate Travel protection?

Corporate travel insurance is similar to personal travel insurance. It can cover your business for unanticipated travel costs if specific events happen.

Corporate travel insurance can also cover your directors and employees, and spouses and dependents travelling with them.

If you or your employees need to travel for work, corporate travel insurance can protect your business from financial loss associated with situations such as overseas health emergencies, flight cancellations or lost and stolen baggage.

Who should consider Business Interruption protection?

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

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

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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: While visiting clients in London, your employee falls down a flight of stairs, fracturing their hip and breaking their arm. Your employee is informed that they require surgery on their hip and will have to undergo physiotherapy before they will be allowed to fly home to Australia. Their flight is scheduled for the following day and will now need to be cancelled.

Outcome: A Corporate Travel Insurance policy allows you to recover some or all of these costs. You may be able to make a claim for the medical costs of their surgery and rehabilitation, as well as the flight cancellation and additional accommodation required while your employee undergoes physiotherapy. You may be able to claim for the hire of someone to take over your employees' duties until they are back in Australia and fit to return to work.

*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.

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