What types of coverage are available for sport clubs and associations?

Gow-Gates offers comprehensive coverage including participant protection (accidental death, catastrophic/career-ending injury, concussion coverage), club property insurance, loss of income, event cancellation/abandonment, governance support, child protection protocols, cyber insurance, and non-appearance coverage.

How many participants are covered by Gow-Gates sport programs?

Gow-Gates sport insurance programs cover over 500,000 participants across Australia. We process 5,000+ claims annually and have an average client retention of 23 years, demonstrating our long-term commitment to the sporting sector.

What services does Gow-Gates offer to sport organisations?

Gow-Gates provides four core services to sport organisations: Insurance Broking (comprehensive coverage programs), Risk Consulting (tailored risk assessment), Claims Management (24/7 support and status tracking), and Self-Insurance (alternative risk transfer solutions). With 60+ years of experience, we serve as an extension of your team.

industries

Sport Clubs & Associations

Q: What sports does Gow-Gates provide insurance programs for?

Gow-Gates manages dedicated insurance programs for Football (member federations), NSW Trainers Association, PGA Australia, Pony Club Australia, Racing NSW, Little Athletics Australia, Athletics Australia, and Harness Racing Victoria.

When it comes to managing risk, we're on your team. With over 60 years of experience insuring Australian sport, we take a fresh approach to protecting your club, association, members, and athletes. Our industry-leading programs give you the confidence to lead your team, knowing that both your club and its members are covered — from grassroots to elite competitions.

You focus on the game. We'll focus on your protection.

Risk Management Designed for Sport

In an industry where things move fast, you need a partner who can keep up. Over the past six decades , we've built a reputation for innovative solutions that address the unique challenges faced by the sporting world. It's why our clients have been with us for an average of 23 years because we provide forward - thinking protection that evolves with the game.

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Innovation

Take a fresh approach to safeguarding your organisation, members and players. And save money with our innovative risk transfer solutions, including self-insurance.

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Convenience

Get 24-hour access to our online platform. Lodge claims, receive live status updates and review your policy information at a time that suits you.

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Experience

Sport may be risky, but we’re not. With 60 years’ experience, we manage programs with over 500,000 participants that handle more than 5000 claims per year.

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Specialist Sporting Programs

We currently manage a variety of programs designed to safeguard athletes, clubs, and associations. Whether it's for football, athletics, or equestrian sports, we've got the right solution for your needs.

Football

NSW Trainers Association

PGA Australia

Pony Club Australia

Racing NSW

Little Athletics Australia and Athletics Australia

Harness Racing Victoria

Advice when it matters. Advocacy when it counts.

How can you best protect your business?

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Loss of income

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Cancellation and Abandonment

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Governance

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Non-Appearance

stadium

‍Club Property

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Accidental Death

psychology

Concussion

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Catastrophic or Career Ending Injury

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Child Protection

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Cyber

Learn more about Duty of Care for your Club or Association

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What our longstanding partners say

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Local Experts, Here When You Need Us

Evan Tuckwell

Account Manager, Sport

Howard Kaye

Head of Corporate and Risk Management

We're here to help.

Whether you have a question or need to solve a problem, you can find support tailored to your needs.

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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