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Canterbury Insurance Brokers

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Insurance Brokers for Canterbury

Canterbury insurance brokers NZ

Navigating the world of insurance in Canterbury is crucial for safeguarding both the present and the future. At Gerrards, we're here to guide every step, ensuring that your personal, business, and health insurance needs are met with expertise and care.

Insurance Advisors Canterbury

It’s not just about policies and numbers; it’s about understanding your unique needs. Here at Gerrards, we pride ourselves on being more than just brokers – we’re your insurance advisors.

In Canterbury, the average cost of of business insurance typically ranges between $100 – $200 per month. 

Types of insurance we can advise on in canterbury

  • Business Insurance: Gerrards offers tailored guidance for Canterbury businesses, addressing unique industry-specific risks.
  • Personal Insurance: From homes to cars, Gerrards provides advice to ensure your personal assets are safeguarded against the unexpected.
  • Life and Health Insurance: At Gerrards, we prioritize your health and well-being, connecting you with policies for comprehensive coverage and peace of mind.

Canterbury Insurance Quote 

Gone are the days of long waits and tedious paperwork. At Gerrards, getting an insurance quote is as easy as a breeze. Whether you’re looking for personal, business, or life and health insurance, our streamlined process ensures you get a quote that’s both competitive and reflective of your needs. We believe in transparency, ensuring you know exactly what you’re paying for.

What insurance covers do canterbury businesses typically take up?  

Canterbury is a hub of innovation and tradition. Over the years, we’ve noticed some common insurance covers that local businesses frequently opt for:

Public Liability

This policy covers common canterbury business risks including bodily injuries, customer property damage, and advertising injuries. It’s required for most commercial leases.

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection

Statutory Liability

This cover is a type of protection that helps canterbury businesses cover costs if they accidentally break certain laws or regulations.

Best For
  • Unintentional breaches protection
  • Legal costs
  • Fines and penalties

Professional Indemnity

This coverage protects canterbury businesses from financial losses if they make mistakes or are accused of negligence while doing their job. 

Best For
  • Negligence claims 
  • Errors & Omissions 
  • Professional mistakes 

Business Vehicle Insurance

Protects vehicles used for work purposes. It covers accidents, damages, and injuries related to the vehicle while it’s being used for business and personal activities.

Best For
  • Repair costs
  • Third party damages
  • Injuries 

Building Insurance

Building insurance in canterbury is a type of coverage that helps pay for repairs or rebuilding if your building or commercial property gets damaged. 

Best For
  • Accidents 
  • Natural disasters
  • Fires

Business Interruption Insurance

Helps protect canterbury businesses when they face unexpected events, like natural disasters or fires, which lead to temporary shutdowns or disruptions in their operations. It covers loss of income and additional expenses incurred during the interruption period.

Best For
  • Income loss 
  • Extra expenses
  • Temporary shutdown 

Cyber Insurance

Insurance that helps protect individuals and businesses from financial losses caused by cyber-related incidents, like data breaches and computer attacks.

Best For
  • Ransomware attacks
  • Phishing scams 
  • Cyber extortion 

Management Liability

Management liability insurance in canterbury shields company leaders from legal and financial risks due to their managerial responsibilities.

Best For
  • Directors liability 
  • Employment disputes
  • Legal defence

Business Contents Insurance

Business contents insurance in canterbury is for protecting all the important stuff inside a business. If there’s a problem or accident, the insurance can help with the expenses.

Best For
  • Accidents 
  • Floods
  • Fires

Stock Insurance

Stock insurance in cantebury is a type of coverage that helps protect businesses from the loss or damage to the items they sell.

Best For
  • Mishaps 
  • Natural Disasters
  • Fires

Popular canterbury towns we service

Other common questions about insurance in Canterbury

Canterbury has a unique combination of urban centers, coastal areas, and agricultural land, which presents a diversified set of insurance requirements. From earthquake considerations to agricultural policies for the region’s vineyards and farms, Canterbury’s insurance landscape is tailored to cater to these varied needs.

Given the seismic activity in the past, earthquake insurance is a significant concern for many residents. Insurers have adapted over the years, with most offering comprehensive cover against earthquakes. 

Several factors can influence property insurance costs: the property’s age, its location relative to potential hazards (like fault lines or flood zones), the materials it’s built from, and any security measures in place. Insurers will also consider any past claims when determining rates.

It’s generally a good practice to review your insurance policies annually. Given Canterbury’s dynamic environment with its unique set of risks, staying updated ensures you have the right coverage as your needs evolve.

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