Breakwater Insurance Brokers has access to a wide range of insurance products from a range of specialised providers. With our vast experience in and knowledge of the industry, we can find the perfect fit for your individual insurance needs. From farm, home and vehicle insurance, to marine, construction and business, we can source a wide range of policy types to find a match for your needs.

Click on the links to the left for more information about our products, or contact us for an obligation-free insurance quote and policy comparison.

Farm insurance

Today’s farming industry covers a diverse range of activities, from commercial dairy, beef, sheep and cropping through to the hobby farmer. Protection for your farm business can be tailored with an insurance policy to meet your needs, depending on your specific situation.

Domestic cover – both buildings and contents and a choice of covers:

  • Defined events – usually restricted to the insured situation and provides cover for fire/explosion; storm, lightning or thunderstorm; earthquake; malicious acts; riot or civil commotion; water damage; fixed glass and fusion of electric motors.
  • Accidental damage – this option includes all the above cover as well as accidental damage or loss, and will generally provide cover Australia wide.
  • Personal liability – all our domestic insurance policies include cover for property damage or personal injury to third parties for incidents that occur on your property.

Farm buildings and contents – fire, storm and impact cover for sheds, contents, windmills, tanks, silos, irrigators, farm tools and fixed plant.

Farm machinery – fire, storm and impact cover for farm machinery not requiring full comprehensive cover.

Theft – provides cover for theft or burglary of tools, drills, farm contents and other items as specified.

Hay, livestock, fencing and farm trees – provides fire, lightning, explosion, impact and some theft cover for hay, fencing and farm trees and all types of farm animals including cattle, sheep, pigs, deer and horses.

Business interruption – provides cover after an insured event for those extra expenses needed to either keep your business running or to minimise the loss of income

Business liability – this section is very important to all businesses and provides cover for personal injury or property damage that may happen on your property or by stock under your control.

Machinery breakdown – covers motors and pumps for risks such as fusion, breakdown and explosion, and the deterioration or loss of milk.

Accident and illness cover – a basic cover against the inability to work and loss of income.

Transit cover – offers basic cover for loss due to fire, flood, collision or overturning of the conveying vehicle for stock and farm produce.

Optional milk contamination cover for dairy farmers

To protect your income from milk contaminated by others, as well as protection for your liability should your milk inadvertently pass on contamination. Ask us for a separate quote.

Crop Insurance

Breakwater Insurance Agencies provides tailored crop insurance to match your particular operation and the structure of your farm business. Our team will consider the type of produce you grow, your property size and geographic location in order to provide the most suitable policy types.

Some crop insurance policies will only cover your crop in the ground but Breakwater Insurance Agencies has sourced the most comprehensive cover available and at very competitive rates. Many crop insurance companies offer generic packages that won’t protect your business adequately. In order to provide maximum cover, Breakwater Insurance Agencies offers a range of policies that not only cover your crops but all of your valuable assets.

Crop insurance companies from the city aren’t usually aware of local environmental factors in western Victoria but because our offices are located in Warrnambool and Camperdown, and travel frequently among our cropping farmers, we understand the area and the conditions that affect your business.

Being local, we can visit you on farm to assess your business and identify the risks involved to determine the best insurance policy for your needs.

We offer detailed crop insurance quotes, which can provide financial security in the following areas:

  • Seasonal insurance – covers the loss or damage of crop due to seasonal hazards, including hail, lightning and fire.
  • Replanting subsidy – a special inclusion for crop damaged early in the season by hail and will pay a benefit to replant the crop.
  • Chemical overspray – crop insurance covers chemical damage to crops, caused by ground spraying on your neighbour’s property or on your property by a commercial contractor.
  • Stock intrusion – covers damage caused by straying livestock (that do not belong to you), that damage your crop on your property.
  • Stored crop – you will be financially compensated for loss of stored crop, seed, feed or hay as a result of a covered peril.
  • Transit – insurance cover for the accidental loss or damage of your seed or hay during loading and road transport.
  • Temporary removal – the temporary removal of harvested seed or hay at a seed cleaning facility or warehouse can also be covered.

Before harvest or after harvest option – with all crop policies, there is the option to select the standard before harvest or to nominate for the after harvest cover type.

Business Insurance

Breakwater Insurance Agencies can tailor a business insurance package to suit your needs. Our expertise in this area will give you the best policy comparisons so you can make the best choice. We specialise in small-to-medium-sized business insurance in the following areas:

  • Property – buildings, contents and stock cover.
  • Business interruption – offers cover after an insured event for those extra expenses needed to either keep your business running or to minimise the loss of income.
  • Theft – covers stock and equipment for theft or burglary.
  • Loss of money – a selection of cover for cash, cheques, postal notes and stamps whilst on the premises, in transit or in private residences.
  • Glass – including cover for breakage of external and internal glass, this policy can also cover signwriting and illuminated signs.
  • Liability – this section is very important to all businesses and offers cover for personal injury or property damage that may happen on your property. This also offers cover for the products you produce, repair or service.
  • Machinery breakdown – covers motors and pumps for risks such as fusion, breakdown and explosion and deterioration or loss of stock.
  • Tax audit – offers protection against the costs incurred for accountant fees and other costs associated in having a tax audit. This policy does not provide cover for any subsequent fines or penalties imposed.

Commercial insurance

Breakwater Insurance Agencies can assist with larger companies’ commercial insurance programs, drawing on our relationships with major insurers to provide custom policies such as Industrial Special Risks (ISR) for protection of your assets and stand-alone liability covers for protection against personal injury and property damage liabilities to third parties.

Home and landlords' insurance

Your home and investment properties are major assets and need solid protection. But rest assured there are a wide range of policy types and cover available in this area. With the personal and individualised service Breakwater Insurance Agencies provides, our team will find the best insurance for your home and property.

Homeowners – this cover is for buildings and contents. There are two types of cover available:

  • Defined events – usually restricted to the insured situation and provides cover for – fire/explosion; storm, lightning or thunderstorm; earthquake; malicious acts; riot or civil commotion; water damage; fixed glass; and fusion of electric motors.
  • Accidental damage – this option provides all the above cover as well as accidental damage or loss and will generally provide cover Australia wide.
  • Personal liability – all our domestic insurance policies include cover for property damage or personal injury to third parties for incidents that occur on your property.

Landlords – landlord insurance gives protection for your investment property against accidental damage as shown above for building and contents as well as, if selected, loss of rent, tenants’ rent default and liability.

Tenants – contents cover and liability cover. Choice of cover as above.

Owners’ corporations – cover is available for units or flats on a strata title giving protection for the buildings, common contents and liability for common areas.

Vehicle insurance

Breakwater Insurance Agencies arranges vehicle insurance cover for all types of vehicles and machinery including but not limited to cars, caravans, boats, trailers, tractors, motorbikes, utes, trucks, commercial vehicles and tradesmen’s vehicles.

The types of cover include:

  • Comprehensive – offers full cover for your vehicle against damage sustained to it. This cover also includes fire, theft and third party cover. This is usually required if a vehicle is financed and is the best option for later model vehicles.
  • Third party only – covers you against liability for any vehicle or property you may damage. This is a more affordable cover.
  • Third party, fire and theft – offers the same cover as third party only but also covers fire and theft for your vehicle.

We also offer cover for pleasure & fishing boats.

Cover can be extended for water skiing for power craft and racing risk for sail craft.

Construction insurance

We can arrange both commercial and domestic cover for single construction projects as well as annual policies on a wide range of risks. This cover is available for licensed builders, owner-builders, extension projects and major renovations, and also provides cover for home warranty insurance.

  • Buildings – covers fire, storm, impact and malicious damage for materials and fittings whilst on site and during construction.
  • Civil engineering
  • Machinery erection
  • Materials in transit
  • Liability – offers cover for personal injury or property damage that may happen on your property.

Builders' Warranty insurance

Breakwater Insurance Agencies can facilitate necessary Builders’ Warranty Insurance for registered builders and owner-builders alike for residential building contracts. This facility is backed by QBE Insurance.

Marine insurance

Breakwater Insurance Agencies can arrange the best insurance cover for your marine requirements including policies covering import, export and domestic transit.

We can arrange cover for:

  • Transit – import, export and inland
  • Transit (domestic) – removal and storage of domestic contents
  • Carriers – livestock carriers, delivery trucks
  • Commercial hull insurance