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Ashburton Insurance Brokers

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Insurance Brokers for Ashburton

Ashburton insurance brokers NZ

At Gerrards, we specialize in connecting Ashburton residents and businesses with insurance solutions tailored to their unique needs. Whether you're seeking personal, business, or health insurance, Gerrards is your trusted Ashburton insurance broker ready to guide you every step of the way.

Insurance Advisors Ashburton

At Gerrards, we specialize in connecting Ashburton residents and businesses with insurance solutions tailored to their unique needs. Whether you’re seeking personal, business, or health insurance, Gerrards is your trusted Ashburton insurance broker ready to guide you every step of the way.

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

Types of insurance we can advise on in Ashburton

    • Business Insurance Ashburton: We understand the business landscape in Ashburton and can advise on insurance policies that safeguard your enterprise from potential risks and unforeseen circumstances.
    • Personal Insurance Ashburton: Everyone’s personal circumstances and needs are different. Our personalized advice ensures Ashburton residents have the right coverage for themselves and their families.
    • Life and Health Insurance Ashburton: Safeguard your and your family’s well-being with comprehensive life and health insurance. Gerrards provides expert advice for Ashburton residents, ensuring peace of mind for the future.

Ashburton Insurance Quote 

We understand the unique insurance needs of businesses in Ashburton. Leveraging our extensive industry knowledge and partnerships, we provide comprehensive insurance quotes from the top insurers in the country and internationally. Entrust us with your requirements, and we’ll ensure you receive the most competitive and tailored coverage options available.

What insurance covers do Ashburton businesses typically take up?  

Ashburton businesses, given the region’s unique climate and business ecosystem, often opt for specific insurance covers. These include:

Public Liability

This policy covers common Ashburton 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 Ashburton 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 Ashburton 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 Ashburton 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 Ashburton 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 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 Ashburton 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 Ashburton 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

Other common questions about insurance in Ashburton

Insurance premiums depend on several variables, including the type of coverage, the assessed risk, policy duration, and the insurer’s terms. Each situation is evaluated individually to determine the premium.

We prioritize a smooth and efficient claims process. Once you notify us of a claim, we’ll guide you through the necessary steps, ensuring timely and fair resolution.

It’s advisable to review your policies annually or whenever there are significant changes in your personal or business circumstances. Regular reviews ensure your coverage remains adequate.

Absolutely! Bundling policies can often lead to discounts and streamlined management of your insurance covers. Gerrards can guide you through the best bundle options for your requirements.

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