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Marine & Transport

Helping protect your business from loss or damage to vessels and cargo. It can cover the door to door delivery of goods worldwide, by sea, road, rail and air - including their storage on the way.

Who should consider Marine protection?

Freight forwarders: Importers and exporters, Marina owners and Mining companies

Primary producers: Removalists, Tourism operators and Wholesalers

Marine transit insurance is important for businesses involved in shipping or receiving goods, operating watercraft commercially, repairing vessels, running a marina and more.

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?

There are different types of marine-related insurance policies - the type you choose will vary based on your specific needs. Depending on the type of policy you choose, marine insurance policies can cover

Accidental Damage

Coverage for damage caused by falling objects, such as trees, signs, or aircraft.

Insured events

Only the events nominated by the insurer. These are commonly known as fire, collision and/or overturning covers, although there are normally more offered.

Collision

Damage caused due to the collision of the carrying vehicle, vessel, train, aeroplane.

Dropping during loading and unloading

Dropping during loading or unloading if this is not an excluded event specified under a specified risks policy.

Fire, explosion, lightning

While fire is a common event covered by all transit policies, cover for explosion and lightning may or may not be granted.

Impact of goods with external objects other than the conveying vehicle or road

Full impact cover can be provided, including goods falling from and within the vehicle.

Malicious damage

Malicious acts, vandalism and sabotage by third parties.

Advice when it matters. Advocacy when it counts.

Case Study

Scenario: You run a small business that exports organic cheeses from Australia to Asia. Recently, a shipment of your cheeses that were going to a new client were left on the dock unrefrigerated - and the cheeses were spoilt. Not only did you lose valuable product, but you also missed out on the repeat business of the new client.

Outcome: Thankfully, you had marine transit insurance, which covered your products from the time they left your business until they were in your client's possession. While your insurance didn't help you keep the new client, at least the insurance reimbursed you for the cost of the cheeses that were spoiled.

*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

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