Our locations
From high-growth cities to the rural heartland, we provide modern, on-the-ground risk management for New Zealand’s most ambitious businesses.
What you need to know
Gerrards is a New Zealand-owned insurance brokerage with its head office in Christchurch and brokers working with clients across the country. We're brokers, not insurers. That means we take your situation to the market, approach multiple insurers, compare what comes back and negotiate terms before recommending cover. Wherever you're based, you deal with someone who understands your region and works for you rather than for the insurer.
How this could protect you
A broker who knows your region and its risks.
Face to face when a risk is easier understood on site.
We manage your claim and push for a fair settlement.
Access to the wider market, not one insurer's product range.
One point of contact for renewals, paperwork and questions.
Annual reviews, so your sums insured keep pace with costs.
Our Headquarters
The central hub of our operations and the foundation of our work.
Christchurch (Head Office)
Gerrards' head office is based in Christchurch Central, serving Canterbury & New Zealand businesses, property owners, and rural clients. Our brokers work across commercial, rural, and personal insurance, taking your situation to multiple insurers to find the right fit.
Find your local team
Select your region below to get direct contact details and meet the brokers protecting businesses in your area.
Manawatu
Bay of Plenty
Auckland East
Christchurch (Head Office)
Insurance that actually works for you
We aren’t here to just hand you an off-the-shelf policy and disappear. We are your risk managers, your advisors, and your loudest advocates when things go wrong.
Unmatched speed and precision
We don't do "average" and we don't do "slow." Our team operates with urgency, delivering fast turnarounds and proactive advice so your business never misses a beat.
Built for your exact risk
Generic cover leaves dangerous gaps. We take the time to understand the unique mechanics of your business to build a robust, customised safety net.
We fight your corner
We work for you, not the insurer. At claim time, our dedicated team steps in to manage the process, cut the red tape, and secure the best possible outcome.
Related FAQs
The answers that matter when you're deciding on coverage.
Rebuild costs in New Zealand have surged more than 20% between 2020 and 2023, yet most homeowners haven't updated their sum insured to reflect these increases.
Standard contents policies typically cap unspecified items between $20,000 and $50,000 in total, with individual items often limited to around $2,500 per item. If you own jewellery, cameras, musical instruments, art, or collectibles worth more than this, you need to schedule them separately with adequate valuation.
No, standard home insurance policies typically don't cover business equipment, computers, specialist tools, or stock used for home-based businesses. If you operate a business from home, you need specific business equipment coverage.
NHC provides the initial layer of natural disaster cover for residential property owners with private insurance, automatically activating when you purchase private cover. The NHC statutory cap is currently $300,000 plus GST for residential buildings, with damage above that threshold falling to your private insurer.
Market value is what your home is worth on the market, while rebuild cost includes demolition, clearing the section, council consents, and construction from scratch. Demolition and consent costs alone can add 10 to 15% on top of actual construction costs, making rebuild cost significantly different from market value.
What our clients are saying
Businesses and families trust us with what matters
Secure the exact cover your business needs
Getting insured shouldn't be a headache. We use innovative technology to strip away the paperwork and deliver a tailored, accurate quote in record time.
