A trusted shield.
Geniune reassurance.

WELCOME TO BREAKWATER INSURANCE BROKERS

We are a team of insurance professionals who provide a seamless fusion of expert guidance and personalised service, delivering tailored insurance solutions that meet the distinct needs of each client.  

We deliver a comprehensive experience that goes beyond traditional insurance brokering.

At the heart of Breakwater’s approach is a commitment to exceptional client service. We prioritise building strong relationships through open communication and personalised support.

Effective insurance goes beyond just coverage, Breakwater is proactive about risk management by working with clients to identify potential risks and develop strategies to mitigate them. With this approach, Breakwater helps clients avoid unexpected challenges and enhances their overall security.

We operate with the highest standards of integrity and transparency ensuring that clients fully understand their insurance options.

“We transform your experience into one that is as personal and caring as it is professional and effective.”

OUR SECTORS

RURAL AND FARM

The lifeblood of Breakwater, we genuinely understand both the joys and challenges of life on a farm.

BUSINESS

Whatever it looks like, our team will work with you to understand your business and its industry.

PERSONAL

With personal insurance, it’s personal, and we understand that the circumstances leading to a personal insurance claim can be a troubling time.

SPECIALTY

By Specialty, we mean insurance for a very specific area of risk or one that relates to a particular occupation.

WHY CHOOSE BREAKWATER

When you work with us, we will meet with you to get a clear picture of your interests that need protecting and any risks you are exposed to – some you may not even be aware of.

We then approach relevant insurers to arrange a coverage to suit your needs. Importantly, as your broker, we represent you and are obliged to act in your best interests, not the insurers or our own.

Evaluate
Plan
Execute
Claims
Renewals

We begin by understanding your unique insurance needs. Our Brokers will really get to know you, your business and your exposure to risk. Our team conducts a thorough assessment of your current coverage and any potential risks. By evaluating your personal or business situation, we ensure no aspect is overlooked.

 

 

 

 

 

Next, we develop a personalised insurance plan tailored to your specific requirements. We compare multiple policies and providers, ensuring you receive the best coverage options for your budget and needs. 
 

As part of this, our team will:

  • analyse and compare available products on your behalf and develop a comprehensive insurance solution to best suit you
  • analyse the different levels of cover and exclusions in what may seem at first glance to be identical products
  • adjust excess levels to suit your cashflow and risk profile
  • bundle different products from the same or different insurers to create a comprehensive, cost-effective solution responsive to your specific needs
  • negotiate with insurers regarding your own risk mitigation practices and their impact on your risk profile
  • factor in the standard of service that can be expected from different insurers and their historical claims performance.

 

 

 

Once we’ve agreed on the best plan, we take care of all the paperwork and finalise your insurance coverage. Our team is with you every step of the way, ensuring a smooth transition and ongoing support for any future changes.



 


Our capabilities extend far beyond just taking your claim details and arranging your payments. Should you need to make a claim, we provide you with all the support you need and manage the claim on your behalf.

Our claims team will:

  • help you understand the claims process
  • make sure you are aware of any actions required by you
  • have absolute commitment to advocating for you (not the insurer!)
  • ensure you receive the outcome your insurance policy intended.


Nothing motivates us more than achieving the best possible claims outcomes for our clients.

 

 

 

 

When working with a broker, we will notify you in advance that your current cover is set to expire, will meet with you to review any changes to your operations and insurance needs, and go back to market to ensure you continue to have the appropriate cover for your ever-changing needs.

Our people provide you with peace of mind through their expert advice and empathetic service.

Evaluate
Plan
Execute
Claims
Renewals

We begin by understanding your unique insurance needs. Our Brokers will really get to know you, your business and your exposure to risk. Our team conducts a thorough assessment of your current coverage and any potential risks. By evaluating your personal or business situation, we ensure no aspect is overlooked.

Next, we develop a personalised insurance plan tailored to your specific requirements. We compare multiple policies and providers, ensuring you receive the best coverage options for your budget and needs. 
 

As part of this, our team will:

  • analyse and compare available products on your behalf and develop a comprehensive insurance solution to best suit you
  • analyse the different levels of cover and exclusions in what may seem at first glance to be identical products
  • adjust excess levels to suit your cashflow and risk profile
  • bundle different products from the same or different insurers to create a comprehensive, cost-effective solution responsive to your specific needs
  • negotiate with insurers regarding your own risk mitigation practices and their impact on your risk profile
  • factor in the standard of service that can be expected from different insurers and their historical claims performance.

Once we’ve agreed on the best plan, we take care of all the paperwork and finalise your insurance coverage. Our team is with you every step of the way, ensuring a smooth transition and ongoing support for any future changes.

Our capabilities extend far beyond just taking your claim details and arranging your payments. Should you need to make a claim, we provide you with all the support you need and manage the claim on your behalf.

Our claims team will:

  • help you understand the claims process
  • make sure you are aware of any actions required by you
  • have absolute commitment to advocating for you (not the insurer!)
  • ensure you receive the outcome your insurance policy intended.


Nothing motivates us more than achieving the best possible claims outcomes for our clients.

When working with a broker, we will notify you in advance that your current cover is set to expire, will meet with you to review any changes to your operations and insurance needs, and go back to market to ensure you continue to have the appropriate cover for your ever-changing needs.

Our people provide you with peace of mind through their expert advice and empathetic service.

‘Our people provide you with peace of mind through their expert advice and empathetic service’

OUR PEOPLE

What our clients are saying

CONTACT US

Find out how we can help you today. Send us your enquiry.

Contact Us