Just as a breakwater protects a coast or harbour from the relentless force of the weather and sea, our business protects you, your family and your business.


Brokers Since 2017


In business since 1985


Over 100 years' combined experience


Local and happy to visit our clients

We are a locally based insurance brokerage service, committed to protecting the interests of our community. We pride ourselves on our relationships with our clients, our understanding of the complex insurance landscape and, of course, our commitment to ensuring the adequate protection of our clients on an ongoing basis.

Formerly known as Richardson and Dennis Insurance Agencies, we have been providing trusted advice to the people of Southwest Victoria for more than 25 years. We ensure that our clients, their families and their businesses receive the benefit of our combined 100+ years’ experience in identifying the right insurance products for their individual needs and our ongoing specialist assistance throughout the claims process.

With our office in Warrnambool, we service the entire Western District of Victoria into south eastern South Australia and across metropolitan Victoria.

Our Team

Gabrielle Toscan
Managing Director
Jeff Dennis
Kacey Webb
Heath Broughton
Sam Hickey

Wayne Promnitz

Michele Anderton
Kimberley Jones
Personal Lines Broker
Kerryn Buchtmann
Personal Lines Broker
Rebecca Munafo
Senior Broking Assistant
Rebecca Rea
Broking Assistant
Phillip Bond
Broking Assistant
Melissa Mills
Broking Assistant
Rene Menjivar
Senior Claims Manager
Michelle Kelly
Claims Consultant
Wendy Rea
Finance Manager
Michael Dennis
Learning & Development Manager
Kerin McInnes

Peg O’Keefe


Financial Services Guide

Download a copy of Breakwater Insurance Brokers Financial Services Guide

Privacy Policy

Download a copy of the Privacy Policy Statement


How to lodge a complaint with us

Insurance Broker Code of Practice

The 2022 Insurance Brokers Code of Practice

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