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Hawke's Bay Insurance Brokers

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Insurance Brokers for Hawke's Bay

Hawke's Bay insurance brokers NZ

Navigating the world of insurance in Hawke's Bay 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 Hawke’s Bay

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 Hawke’s Bay

In Hawke’s Bay, the average cost of of business insurance typically ranges between $100 – $200 per month. 

Hawkes Bay Insurance Broker Gerrards

Types of insurance we can advise on in Hawke’s Bay

  • Business Insurance Hawke’s Bay: We advise on business insurance in Hawke’s Bay to protect your business against unforeseen losses and risks, ensuring its smooth operation and financial stability.
  • Personal Insurance Hawke’s Bay: Understanding personal insurance in Hawke’s Bay is crucial for safeguarding your belongings, assets, and financial future against unexpected life events.
  • Life and Health Insurance Hawke’s Bay: Our life and health insurance advice in Hawke’s Bay is essential for securing your well-being and providing peace of mind to you and your loved ones.

Hawke’s Bay Insurance Quote 

We understand the unique insurance needs of businesses in Hawke’s Bay. 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 Hawke’s Bay businesses typically take up?  

It’s essential to understand what insurance covers are commonly adopted by businesses in Hawke’s Bay. This knowledge can help you determine what kind of protection your business might need.

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Public Liability

This policy covers common Hawke’s Bay 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
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Statutory Liability

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

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

This coverage protects Hawke’s Bay 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 
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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 
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Building Insurance

Building insurance in Hawke’s Bay 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
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Business Interruption Insurance

Helps protect Hawke’s Bay 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 
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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 
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Management Liability

Management liability insurance in Hawke’s Bay shields company leaders from legal and financial risks due to their managerial responsibilities.

Best For
  • Directors liability 
  • Employment disputes
  • Legal defence
Business Contents Insurance Gerrards

Business Contents Insurance

Business contents insurance in Hawke’s Bay 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
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Stock Insurance

Stock insurance in Hawke’s Bay 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 Hawke’s Bay towns we service 

Other common questions about insurance in Hawke’s Bay

Home insurance isn’t mandatory but is highly recommended to protect your home and belongings against damage, theft, and other unforeseen events.

To choose the right policy, assess your needs, compare different policies, and consider the reputation and reliability of the insurance provider.

Home insurance isn’t mandatory but is highly recommended to protect your home and belongings against damage, theft, and other unforeseen events.

You can lower your car insurance premiums by maintaining a good driving record, choosing a higher deductible, and comparing quotes from different providers.

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