# Gerrards Insurance Brokers > New Zealand's trusted business insurance brokers. We help businesses and individuals secure better rates and coverage across 30+ insurers. Based in Christchurch with clients nationwide. Phone: 0800 374 691. Email: contact@gerrards.co.nz. Gerrards is an independent insurance brokerage based at 10 Walker Street, Christchurch CBD, New Zealand. We work across 30+ A-rated insurance companies to find the right cover at the right price for NZ businesses and individuals. Our services include business insurance, commercial property insurance, personal insurance, rural and farm insurance, vehicle and plant insurance, and event insurance. We handle claims on behalf of our clients and provide expert insurance advice. ## Core Pages - [Home](https://www.gerrards.co.nz/): Insurance Brokers NZ - Business & Personal Insurance - [About](https://www.gerrards.co.nz/about): About Gerrards Insurance - our history, values, and commitment to protecting Kiwi businesses - [Contact](https://www.gerrards.co.nz/contact): Get expert insurance advice - phone, email, or book an appointment - [Claim](https://www.gerrards.co.nz/claim): Make a claim on your business or personal insurance policy - [FAQs](https://www.gerrards.co.nz/faqs): Frequently asked questions about business insurance in NZ - [Careers](https://www.gerrards.co.nz/careers): Join NZ's most dynamic insurance brokerage - [Community & Sponsorship](https://www.gerrards.co.nz/community-sponsorship): Gerrards backs causes that matter to New Zealand - [Complaints](https://www.gerrards.co.nz/complaints): Lodge a complaint with Gerrards Insurance ## Business Insurance - [Business Insurance Overview](https://www.gerrards.co.nz/business): Business insurance solutions for NZ companies - [Public Liability Insurance](https://www.gerrards.co.nz/business/public-liability-insurance): Protection from third-party injury or property damage claims - [Professional Indemnity Insurance](https://www.gerrards.co.nz/business/professional-indemnity-insurance): Protection from client claims, negligence, and bad advice allegations - [Employers Liability Insurance](https://www.gerrards.co.nz/business/employers-liability-insurance): Protection from employee injury claims outside ACC - [Directors & Officers Insurance](https://www.gerrards.co.nz/business/directors-and-officers-insurance): Personal asset protection for directors and officers - [Management Liability Insurance](https://www.gerrards.co.nz/business/management-liability-insurance): Protection from management decisions gone wrong - [Statutory Liability Insurance](https://www.gerrards.co.nz/business/statutory-liability-insurance): Protection from unintentional law breaches - [Cyber Insurance](https://www.gerrards.co.nz/business/cyber-insurance): Protection from data breaches, ransomware, and cyber fraud - [Employment Disputes Insurance](https://www.gerrards.co.nz/business/employment-disputes-insurance): Protection from employee claims, harassment, and wrongful termination - [Products Liability Insurance](https://www.gerrards.co.nz/business/products-liability-insurance): Protection from product-related injury and property damage claims - [Carriers Liability Insurance](https://www.gerrards.co.nz/business/carriers-liability-insurance): Protection for transport businesses - [Equipment Insurance](https://www.gerrards.co.nz/business/equipment-insurance): Comprehensive business equipment cover - [Stock Insurance](https://www.gerrards.co.nz/business/stock-insurance): Protect business inventory from theft, fire, and damage - [Loss of Use Insurance](https://www.gerrards.co.nz/business/loss-of-use-insurance): Vehicle downtime rental cost cover - [Business Contents Insurance](https://www.gerrards.co.nz/business/contents-insurance): Cover for furniture, equipment, stock, and machinery - [Business Interruption Insurance](https://www.gerrards.co.nz/business/interruption-insurance): Financial loss protection during business downtime ## Commercial Property Insurance - [Commercial Property Overview](https://www.gerrards.co.nz/commercial-property): Comprehensive commercial property insurance in NZ - [Building Insurance](https://www.gerrards.co.nz/commercial-property/building-insurance): Commercial building insurance from 30+ NZ insurers - [Material Damage Insurance](https://www.gerrards.co.nz/commercial-property/material-damage-insurance): Protect business assets from physical damage - [Natural Disaster Insurance](https://www.gerrards.co.nz/commercial-property/natural-disaster-insurance): Protection from earthquakes, tsunamis, and storms - [Contract Works Insurance](https://www.gerrards.co.nz/commercial-property/contract-works-insurance): NZ construction project cover - [Commercial Property Valuation](https://www.gerrards.co.nz/commercial-property/commercial-property-valuation-insurance): Accurate valuation to avoid underinsurance - [Body Corporate Insurance](https://www.gerrards.co.nz/commercial-property/body-corporate-insurance): Competitive body corporate insurance quotes - [Commercial Landlord Insurance](https://www.gerrards.co.nz/commercial-property/commercial-landlord-insurance): Cover for commercial investment properties ## Personal Insurance - [Personal Insurance Overview](https://www.gerrards.co.nz/personal): Personal insurance tailored to you - [Contents Insurance](https://www.gerrards.co.nz/personal/contents-insurance): Protect furniture, electronics, jewellery, and valuables ## Vehicle & Plant Insurance - [Commercial Vehicle Insurance](https://www.gerrards.co.nz/vehicle-insurance): Fleet and single commercial vehicle insurance - [Bulldozer Insurance](https://www.gerrards.co.nz/vehicle-insurance/bulldozer-insurance): Heavy machinery cover for bulldozers - [Crane Insurance](https://www.gerrards.co.nz/vehicle-insurance/crane-insurance): Specialist crane insurance covering damage, theft, and loss of revenue - [Excavator Insurance](https://www.gerrards.co.nz/vehicle-insurance/excavator-insurance): Comprehensive excavator cover - [Forklift Insurance](https://www.gerrards.co.nz/vehicle-insurance/forklift-insurance): Forklift equipment cover ## Rural & Farm Insurance - [Rural Insurance Overview](https://www.gerrards.co.nz/rural): Rural and farm insurance for NZ properties - [Farm Insurance](https://www.gerrards.co.nz/rural/farm-insurance): Natural disaster cover for farms - [Farm Insurance NZ](https://www.gerrards.co.nz/rural/farm-insurance-nz): Agricultural cover for property, livestock, machinery, and crops - [Farm Machinery & Equipment Insurance](https://www.gerrards.co.nz/rural/farm-machinery-equipment-insurance): Protect tractors, implements, and farm vehicles - [Farm Property Insurance](https://www.gerrards.co.nz/rural/farm-property-insurance-nz): Cover for farm dwellings, sheds, and outbuildings - [Farm Public Liability Insurance](https://www.gerrards.co.nz/rural/farm-public-liability-insurance): Third-party claim protection for farms - [Lifestyle Block Insurance](https://www.gerrards.co.nz/rural/lifestyle-block-insurance-nz): Specialist lifestyle block cover - [Livestock Insurance](https://www.gerrards.co.nz/rural/livestock-insurance-new-zealand): Mortality, disease, and theft cover for farm animals - [Rural Insurance NZ](https://www.gerrards.co.nz/rural/rural-insurance-new-zealand): Farm and lifestyle block cover - [Rural Insurance Quote](https://www.gerrards.co.nz/rural/rural-insurance-quote-new-zealand): Get a tailored rural insurance quote ## Event Insurance - [Event Insurance](https://www.gerrards.co.nz/event): Event insurance cover from top NZ insurers - [Event Cancellation Insurance](https://www.gerrards.co.nz/event/event-cancellation): Protection from unexpected event cancellation - [Hole In One Insurance](https://www.gerrards.co.nz/event/hole-in-one): Golf tournament hole-in-one prize cover ## Team - [Our Team](https://www.gerrards.co.nz/team): Meet the experienced insurance professionals at Gerrards - [Ethan Gerrard - CEO](https://www.gerrards.co.nz/team/ethan-gerrard) - [Marcus Wolton - Chief Broking Officer](https://www.gerrards.co.nz/team/marcus-wolton) - [Greg Dickson - Chief Technical & Marketing Officer](https://www.gerrards.co.nz/team/greg-dickson) - [Louie Reid - Head of Outreach](https://www.gerrards.co.nz/team/louie-reid) - [Cohen Crowder - Commercial Insurance Broker](https://www.gerrards.co.nz/team/cohen-crowder) - [Jordan Cooper-Lawrence - Commercial Insurance Broker](https://www.gerrards.co.nz/team/jordan-cooper-lawrence) - [Joshua Kalauta - Commercial Broker](https://www.gerrards.co.nz/team/joshua-kalauta) - [Reuben Elkins - Commercial Insurance Broker](https://www.gerrards.co.nz/team/reuben-elkins) - [Caitlin Campbell - Associate Broker](https://www.gerrards.co.nz/team/caitlin-campbell) - [Angelique Venter - Broking Support Specialist](https://www.gerrards.co.nz/team/angelique-venter) - [Morgan Sydney - Claims Handler & Admin Manager](https://www.gerrards.co.nz/team/morgan-sydney) ## Blog - [Blog](https://www.gerrards.co.nz/blog): Insurance education centre - learn with experts - [Setting Up Business Insurance in New Zealand](https://www.gerrards.co.nz/blog/setting-up-business-insurance-in-new-zealand) - [Insurance Has a Knowledge Crisis](https://www.gerrards.co.nz/blog/insurance-has-a-knowledge-crisis) - [Happiest Office in Insurance](https://www.gerrards.co.nz/blog/happiest-office-in-insurance) ## Legal - [Legal](https://www.gerrards.co.nz/legal): Legal documentation - [Privacy Policy](https://www.gerrards.co.nz/legal/privacy-policy) - [Terms of Business](https://www.gerrards.co.nz/legal/terms-of-business) - [Public Disclosure Statement](https://www.gerrards.co.nz/legal/public-disclosure-statement) - [Complaints and Disputes Process](https://www.gerrards.co.nz/legal/complaints-and-disputes-process) ## Insurance Glossary - [Insurance Terms Glossary](https://www.gerrards.co.nz/glossary): Comprehensive NZ insurance terminology with expert definitions - [Accident](https://www.gerrards.co.nz/glossary/accident) - [Accumulation](https://www.gerrards.co.nz/glossary/accumulation) - [Act of God](https://www.gerrards.co.nz/glossary/act-of-god) - [Additional Insured](https://www.gerrards.co.nz/glossary/additional-insured) - [Aggregate Limit](https://www.gerrards.co.nz/glossary/aggregate-limit) - [Arbitration](https://www.gerrards.co.nz/glossary/arbitration) - [Assessed Value](https://www.gerrards.co.nz/glossary/assessed-value) - [Assigned Risk](https://www.gerrards.co.nz/glossary/assigned-risk) - [Assumption of Risk](https://www.gerrards.co.nz/glossary/assumption-of-risk) - [Bailee](https://www.gerrards.co.nz/glossary/bailee) - [Blanket Cover](https://www.gerrards.co.nz/glossary/blanket-cover) - [Bodily Injury](https://www.gerrards.co.nz/glossary/bodily-injury) - [Cancellation](https://www.gerrards.co.nz/glossary/cancellation) - [Care, Custody, or Control](https://www.gerrards.co.nz/glossary/care-custody-or-control) - [Casualty Insurance](https://www.gerrards.co.nz/glossary/casualty-insurance) - [Catastrophe](https://www.gerrards.co.nz/glossary/catastrophe) - [Certificate of Insurance](https://www.gerrards.co.nz/glossary/certificate-of-insurance) - [Claims-Made Policy](https://www.gerrards.co.nz/glossary/claims-made-policy) - [Class Action](https://www.gerrards.co.nz/glossary/class-action) - [Coinsurance](https://www.gerrards.co.nz/glossary/coinsurance) - [Commercial Lines](https://www.gerrards.co.nz/glossary/commercial-lines) - [Consequential Loss](https://www.gerrards.co.nz/glossary/consequential-loss) - [Contract Bond](https://www.gerrards.co.nz/glossary/contract-bond) - [Coverage Territory](https://www.gerrards.co.nz/glossary/coverage-territory) - [Declaration](https://www.gerrards.co.nz/glossary/declaration) - [Deductible](https://www.gerrards.co.nz/glossary/deductible) - [Deposit Premium](https://www.gerrards.co.nz/glossary/deposit-premium) - [Duty of Disclosure](https://www.gerrards.co.nz/glossary/duty-of-disclosure) - [Endorsement](https://www.gerrards.co.nz/glossary/endorsement) - [Exclusion](https://www.gerrards.co.nz/glossary/exclusion) - [Exposure](https://www.gerrards.co.nz/glossary/exposure-insurance) - [Extended Reporting Period](https://www.gerrards.co.nz/glossary/extended-reporting-period) - [Financial Lines Insurance](https://www.gerrards.co.nz/glossary/financial-lines-insurance) - [First Party](https://www.gerrards.co.nz/glossary/first-party-insurance) - [Force Majeure](https://www.gerrards.co.nz/glossary/force-majeure) - [Good Faith](https://www.gerrards.co.nz/glossary/good-faith) - [Grace Period](https://www.gerrards.co.nz/glossary/grace-period) - [Hazard](https://www.gerrards.co.nz/glossary/hazard) - [Hold Harmless Agreement](https://www.gerrards.co.nz/glossary/hold-harmless-agreement) - [Inception Date](https://www.gerrards.co.nz/glossary/inception-date) - [Indemnify](https://www.gerrards.co.nz/glossary/indemnify) - [Indemnity Period](https://www.gerrards.co.nz/glossary/indemnity-period) - [Insurable Interest](https://www.gerrards.co.nz/glossary/insurable-interest) - [Insurance Adjuster](https://www.gerrards.co.nz/glossary/insurance-adjuster) - [Insurance Claim](https://www.gerrards.co.nz/glossary/insurance-claim) - [Insurance Dispute Resolution](https://www.gerrards.co.nz/glossary/insurance-dispute-resolution) - [Insurance Excess](https://www.gerrards.co.nz/glossary/insurance-excess) - [Insurance Policy](https://www.gerrards.co.nz/glossary/insurance-policy) - [Insurance Settlement](https://www.gerrards.co.nz/glossary/insurance-settlement) - [Insurance Valuation](https://www.gerrards.co.nz/glossary/insurance-valuation) - [Insured](https://www.gerrards.co.nz/glossary/insured) - [Insurer](https://www.gerrards.co.nz/glossary/insurer) - [Intermediary](https://www.gerrards.co.nz/glossary/intermediary) - [Joint and Several Liability](https://www.gerrards.co.nz/glossary/joint-and-several-liability) - [Lapse](https://www.gerrards.co.nz/glossary/lapse) - [Limit of Indemnity](https://www.gerrards.co.nz/glossary/limit-of-indemnity) - [Line of Business](https://www.gerrards.co.nz/glossary/line-of-business) - [Loss Ratio](https://www.gerrards.co.nz/glossary/loss-ratio) - [Market Value](https://www.gerrards.co.nz/glossary/market-value) - [Material Fact](https://www.gerrards.co.nz/glossary/material-fact) - [Misrepresentation](https://www.gerrards.co.nz/glossary/misrepresentation-in-insurance) - [Moral Hazard](https://www.gerrards.co.nz/glossary/moral-hazard) - [Named Insured](https://www.gerrards.co.nz/glossary/named-insured) - [Negligence](https://www.gerrards.co.nz/glossary/negligence) - [Net Premium](https://www.gerrards.co.nz/glossary/net-premium) - [Non-Disclosure](https://www.gerrards.co.nz/glossary/non-disclosure-insurance) - [Occurrence Policy](https://www.gerrards.co.nz/glossary/occurrence-policy) - [Operating Ratio](https://www.gerrards.co.nz/glossary/operating-ratio-insurance) - [Peril](https://www.gerrards.co.nz/glossary/peril) - [Policy Period](https://www.gerrards.co.nz/glossary/policy-period) - [Premium](https://www.gerrards.co.nz/glossary/premium) - [Pure Risk](https://www.gerrards.co.nz/glossary/pure-risk) - [Rate](https://www.gerrards.co.nz/glossary/rate-insurance) - [Reinsurance](https://www.gerrards.co.nz/glossary/reinsurance) - [Renewal](https://www.gerrards.co.nz/glossary/renewal) - [Replacement Cost](https://www.gerrards.co.nz/glossary/replacement-cost) - [Retention](https://www.gerrards.co.nz/glossary/retention-in-insurance) - [Retroactive Date](https://www.gerrards.co.nz/glossary/retroactive-date) - [Risk](https://www.gerrards.co.nz/glossary/risk-in-insurance) - [Salvage](https://www.gerrards.co.nz/glossary/salvage) - [Schedule](https://www.gerrards.co.nz/glossary/schedule-insurance) - [Self-Insurance](https://www.gerrards.co.nz/glossary/self-insurance) - [Subrogation](https://www.gerrards.co.nz/glossary/subrogation) - [Surety Bond](https://www.gerrards.co.nz/glossary/surety-bond) - [Territory](https://www.gerrards.co.nz/glossary/territory) - [Total Loss](https://www.gerrards.co.nz/glossary/total-loss) - [Trade Credit Insurance](https://www.gerrards.co.nz/glossary/trade-credit-insurance) - [Underwriter](https://www.gerrards.co.nz/glossary/underwriter) - [Utmost Good Faith](https://www.gerrards.co.nz/glossary/utmost-good-faith) - [Vicarious Liability](https://www.gerrards.co.nz/glossary/vicarious-liability) - [Voidable](https://www.gerrards.co.nz/glossary/voidable) - [Warranty](https://www.gerrards.co.nz/glossary/warranty-insurance)