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 owned and operated 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 South West 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.

The business was started in 1985 by John Richardson, with Jeff Dennis joining in 1994 to form Richardson and Dennis Insurance Agencies. Today, the business operates as an insurance brokerage and is owned solely by Jeff.

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

Our Team


Jeff Dennis

Managing Director

Michael Dennis


Heath Broughton

Account Manager

Kirsty Viney

Broking Operations Manager

Stuart Wright

Technical Manager

Gabrielle Toscan

Director, Operations & Compliance

Michael Stephens

Finance Manager

Michele Anderton

Client Care Officer

Rebecca Munafo

Client Care Officer

Kacey Webb

Client Care Officer

Sharon Thompson

Accounts Officer

Amy Jenkins

Client Care Officer

Fiona Lumsden

Client Care Officer

Sam Hickey

Broking Assistant

Simon Gleeson

Broking Assistant

Michelle Kelly

Client Care Assistant

Financial Services Guide

Download a copy of Breakwater Insurance Brokers Financial Services Guide

Privacy Policy

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