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Small business insurance

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Small business insurance broker

Small business insurance brokerage

Gerrard is your dedicated small business insurance brokerage. As specialists in the realm of small business insurance, we understand the unique challenges and opportunities faced by businesses like yours. Our team of expert insurance brokers for small business is on standby, ready to guide, advise, and help secure you the best deal for your small business insurance.

What are the benefits of using a broker for small business insurance?  

Choosing the right insurance for your small business can be tricky. That’s where insurance brokers, like us at Gerrards, come in. Let’s dive into why using a small business insurance broker is a smart choice. 

Expert Advice

Brokers know a lot about insurance. They can answer your questions and make sure you get the right coverage for your business.


Instead of you searching everywhere for insurance, a broker does that work for you. They look at many options and then give you the best ones.


Brokers work with many insurance companies. This means they can find the best deals and save you money.

Tailored Coverage

Every business is different. Brokers can find insurance that fits exactly what your business needs. No more, no less.

Claims Help

If something goes wrong and you need to use your insurance, brokers help you through the process. This makes things smoother and easier for you.

Get in touch with a small business insurance broker

There are several ways you can get in touch with an insurance broker at Gerrards. 

  • Call 0800 374 691
  • Send an email to contact@gerrards.co.nz
  • Click the button below

Why choose Gerrards as your small business insurance broker? 

Selecting the right broker can be the difference between a business being adequately protected and one facing unforeseen challenges. At Gerrards, we pride ourselves on being the best choice broker for small business insurance in New Zealand. Here’s why:


Our track record speaks volumes. We’re known as the insurance broker that goes above and beyond. Our dedication to securing the best deal is unwavering. In fact, 9 out of 10 small businesses we quote end up making the switch to us, a testament to our commitment and effectiveness.


Time is money, especially for a bustling small business. We respect that. With our streamlined processes and dedicated team, we promise a same-day turnaround for small business quotes. That’s considerably quicker than most brokers out there. No endless waits, no prolonged uncertainties. Just swift, efficient service.


We aren’t tied to a single provider. This independence allows us to offer a wide range of insurance options, ensuring that you get a solution that’s right for your specific needs.

Personal Service

When you choose Gerrards for your small business insurance brokerage you’re not just getting a policy; you’re getting a dedicated partner. Each client is assigned their very own insurance broker. This means you have a single point of contact who understands your individual situation and is fully equipped to offer guidance and support tailored to you.

What small business covers can Gerrards insurance brokers work with you on?

At Gerrards, our expertise spans a wide array of business insurance covers. Whether it’s property damage, liability, employee-related risks, or any other specific cover, our team is equipped to guide you. The main covers we frequently work with include:

Public Liability

This policy covers common 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 people or businesses cover costs if they accidentally break certain laws or regulations.

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

Employers Liability

This insurance helps protect businesses from financial losses if an employee suffers injuries or illnesses at work.

Best For
  • Workplace injuries
  • Legal expenses
  • Compensation payments

Professional Indemnity

This coverage protects 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 

Employment Disputes

This insurance in NZ covers legal costs and other expenses arising from disagreements between employees and their employers.

Best For
  • Mediation costs
  • Legal expenses
  • Settlement fees

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 

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 

Loss of use

Coverage that helps when your vehicle is unusable due to an accident. It covers the cost of a temporary replacement vehicle, so you can still get around while your car is being repaired.


Best For
  • Temporary vehicle
  • Reimbursement expenses
  • Accident downtime

Business Interruption Insurance

Helps protect 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 

Building Insurance

Building insurance in NZ 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

Management Liability

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

Best For
  • Directors liability 
  • Employment disputes
  • Legal defence

Carriers Liability Insurance

Carrier’s liability insurance in New Zealand covers transport operators for their liability when goods they’re transporting for customers are lost, damaged, or delayed. 

Best For
  • Goods damage
  • Transit loss 
  • Theft

Business Contents Insurance

Business contents insurance in NZ 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 NZ 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

Equipment Insurance

Equipment insurance is a type of coverage that helps protect businesses from the loss or damage to their equipment.

Best For
  • Mishaps 
  • Theft
  • Fires

Tool Insurance

Safeguards your tools against unexpected events, like burglary or accidental damage, ensuring you won’t have to bear the financial burden of replacing them.

Best For
  • Burglary protection 
  • Accidental damage protection
  • Anywhere in New Zealand cover

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