Public Disclosure Statement

Gerrards Public Disclosure Statement

Last updated 10/08/2026

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Licensing Information

Gerrard's Limited andrelated entities are registered Financial Service Providers and Authorised Bodyoperating under the Financial Advice Provider licence held by Community BrokerNetwork NZ Limited ("CBN NZ") (FSP1003687). Our activities areregulated by the Financial Markets Authority (FMA).

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Authorised Bodies Covered by this Disclosure

This disclosure applies to: 

Gerrard's Limited - FSP1003639

Gerrards Auckland East Limited - FSP1012792

Gerrards Manawatu Limited - FSP1012793

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Throughut this disclosure, references to "we", "our", and "us" refer to the above Authorised Bodies and their registered financial advisers.  

We are related businesses that operate under common ownership and governance arrangements.

Certain administration, compliance, technology, marketing and operational support services may be provided across the group.

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Nature and Scope of Our Advice

Our advisers are skilled in providing guidance on a variety of insurance products—commercial and domestic, often grouped as Fire and General Insurance. We’re here to help you protect your income, assets, and liabilities, reducing the financial impact if the unexpected happens.

We focus solely on General Insurance and do not offer advice on Life and Health Insurance, Investments, Kiwisaver, Medical Insurance, or Mortgages. However, if you need advice on these products, we’re happy to connect you with a trusted specialist.

CBN NZ is affiliated with Steadfast NZ Limited (Steadfast), which supports us in delivering high-quality advice through purchasing advantages and enhanced service support.

Our financial advice spans a variety of products from New Zealand-based and international providers. Here are some key offerings:

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Products:

Domestic Property and Contents Insurance

Business and Commercial Packages

Liability Insurance

Material Damage and Business Interruption

Tools and Equipment Insurance

Motor and Vehicle Insurance

Cyber and Data Protection

Specialised Plant and Equipment

Travel Insurance

Contract and Project Insurance

And more

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Providers

360 Underwriting as Underwriting Agents of AIG

AIG Insurance New Zealand Limited

Agile Insurance Group NZ Limited (NZ)

Ando Insurance Group Limited (The Hollard Insurance Company Pty Limited)

Ando Insurance Group Ltd (on behalf of certain underwriters at Lloyds)

AWP Services New Zealand Ltd t/as Allianz Partners (The Hollard Insurance Company Pty Ltd)

Berkshire Hathaway Specialty Insurance Company

Bounce Insurance Limited on behalf of certain underwriters at Lloyds

CFC Underwriting Limited

Chubb Insurance New Zealand Limited

Classic Cover Insurance underwritten by Lumley, a business division of IAG

Club Auto Insurance (NZ) Limited

Cover-More (NZ) Ltd

Delta Insurance New Zealand Limited as Coverholders of Lloyds

Dual New Zealand Limited as Underwriting agents for HDI Global

Dual New Zealand Limited as Underwriting agents for Lloyds

Emergence NZ Ltd

IAG New Zealand Ltd

Insurance Underwriters (NZ) Limited

Market Lane Insurance Group (NZ) Limited

Mecon Insurance Limited

Nautilus Marine Underwriting Agency Ltd

NM Insurance

NZ Underwriting Agencies

NZI, a division of IAG New Zealand Limited

Protecsure Pty Ltd as agents of Chubb Insurance Company of Australia Limited

QBE Insurance (Australia) Limited

Solution Underwriting Agency Pty Ltd

Star Insurance Ltd as Underwriting Agents for Vero Insurance New Zealand Ltd

Star Insurance Ltd as Underwriting Agents for Berkshire Hathaway Specialty Insurance

TAI, a division of Insurance Wholesale Limited on behalf of certain underwriters at Lloyds

TLC Insurance Ltd as Underwriting Agent for Vero Liability

TLC Insurance Ltd as Underwriting Agents for Berkshire Hathaway Specialty Insurance

Totara Property Insurance as Underwriting Agents of IAG New Zealand Limited

UAA New Zealand as Underwriting Agency of QBE Insurance (International) Limited

Vero Insurance New Zealand Limited

Vero Liability Insurance Limited

Vero Marine Insurance, an operating division of Vero Insurance New Zealand Ltd

Zurich Australian Insurance Limited (ZAIL)

And more

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Fees, Expenses, or Other Costs

Should you proceed with our financial advice and we arrange insurance for you, you will be charged Insurer Premium, Levies, GST, and a fee may also be charged. This fee will be based on the amount of work and time required to provide and implement our advice and will be disclosed to you once this becomes known and applicable, on your quote and prior to the implementation of the advice. 

If we arrange insurance for you and you cancel it part way through the insurance period, we may keep some or all of that fee.

CBN NZ retain a percentage of this fee for a range of professional services they provide to us.

We may charge a fee for making adjustments to your insurance during the insurance period, including Cancellation. This fee will be disclosed at the time this becomes known and will be displayed on your invoice.

Any additional charges, like credit card fees or premium funding arrangements, will be disclosed at the time this becomes known.

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Conflicts of Interest and Incentives

When we arrange insurance for you, the provider(s) may pay us a commission for the placement of the policy on their behalf. The amount of the commission is a set rate, varies between providers and products and is based on a percentage of the Company Premium and Natural Disaster premium (if applicable). 

CBN NZ retain a percentage of this commission for a range of professional services they provide to us.

If we arrange insurance for you for a period and you cancel it part way through the insurance period, we may keep some or all of the commission from any premium refund due to you.

Any referral income share we pay to a referral partner is based on our commission and fee arrangements and is not an extra cost to you. If a conflict of interest arises, we will promptly disclose it and work to prioritise your interests.

Our advisers are dedicated to acting in your best interests, supported by a conflicts and gifts register to maintain transparency.

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Premium Funding

Insurance premium payments are due to the insurer annually in a lump sum. To assist with cashflow, we work with third party premium funding facilities, allowing you to take a loan for the lump sum and pay your insurance premium back over instalments. 

Please note, this service is a credit contract with a third party premium funder, and they charge interest and a set-up fee. Premium Funders can cancel policies for non-payment of installments. 

In these arrangements, the funding company may also pay us a commission on the amount funded, with CBN NZ retaining a portion.

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Complaints Handling & Dispute Resolution

If you have feedback or concerns, first please discuss this with your adviser. Additionally, please refer to  https://cbnnz.nz/complaints-process/ for our full Complaints and Disputes process. We’re here to resolve issues efficiently and transparently.

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Our Duties to You

Under the Financial Markets Conduct Act 2013, we, CBN NZ, and anyone advising on their behalf are committed to:

• Giving priority to your interests by taking all reasonable steps to ensure our advice is not materially influenced by our own interests.
• Exercising care, diligence, and skill in providing you with advice.
• Meeting standards of competence, knowledge, and skill as set by the Code of Professional Conduct for Financial Advice Services.
• Meeting standards of ethical behaviour, conduct, and client care as set by the Code of Professional Conduct for Financial Advice Services.

For more details on these obligations, feel free to contact us or visit the FMA website.

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Reliability History

We have not been subject to a reliability event.  

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Contact Information

• Phone: 0800 374 691
• Website: https://gerrards.co.nz/

Please see our Adviser Scope of Service documents for more information about our services.

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Glossary

For your reference:

• Authorised Body: An authorised and registered entity, named on a provider’s license, enabling them to offer licensed services without needing their own license.
• Financial Adviser: A registered and qualified financial adviser with skill, experience and scope in specific market products and financial services. 
• Financial Advice: Recommendations regarding suitable financial advice products for you.
• Financial Markets Authority (FMA): NZ’s regulatory body overseeing financial services and securities markets.

Let us know if you have questions or if there’s any way we can support you!