Insurance Services

Business & Commercial Insurance

A business takes years to build - but an accident or disaster could destroy it all in minutes. That’s why businesses should help protect themselves with a quality business insurance pack.

With the right cover in place, owners can run their business with confidence, knowing that their premises, stock, equipment and reputation are protected by insurance.

Types of Cover available include

  • Property Damage
  • Business Interruption
  • Theft, Money, Glass, Transit
  • Public & Products Liability
  • Equipment Breakdown/Machinery Breakdown
  • General Property
  • Tax Audit
  • Employee Dishonesty
  • Cyber Insurance

Rural & Farm Insurance

Working on the land brings many rewards - but just as many risks. As a farm owner, you’re vulnerable to bushfires that can destroy livestock or damage your buildings and other property; machinery breakdown which can cost you time and money; personal illness or a serious accident; or even a claim from a guest injured on your property.

Types of Cover available include

  • Home Property
  • Farm Property
  • Business Interruption
  • farm Property
  • Public & Products Liability
  • Theft
  • Hay
  • Fencing
  • Livestock
  • Machinery Breakdown

Domestic & Personal Insurance

Breakwater Insurance brokers can also provide you with personal insurance solutions.

While protecting your family and personal assets is a key priority for most people, not all insurance policies are created equal. With over 20 years’ experience assisting our clients to insure their homes, investment properties, contents and vehicles, Breakwater Insurance Brokers can provide you with expert advice and assistance in identifying and arranging the appropriate insurance for your needs.

In the unfortunate even that you need to make a claim under your insurance policy, the staff at Breakwater Insurance Brokers will be there to manage the whole claims process. Our longstanding relationships with the insurance companies we broker policies with means we understand how each insurer operates when dealing with claims. We believe these relationships, combined with our expert knowledge of the terms of your specific policy, enable us to best advocate for your needs and deliver optimum claims outcomes.

Additionally, we like to think of ourselves as your person-on-the-ground. The circumstances leading to a claim are typically troubling enough, so at Breakwater we pride ourselves on taking the headache out of the claims process by managing all communications and arrangements on your behalf. We have strong local relationships and knowledge and will deal with local tradespeople and suppliers to ensure any works are completed to the appropriate standard.

Types of Cover available

  • Home & Contents
  • Landlords
  • Motor Vehicle
  • Boats, Pleasure Craft and Jet Skis
  • Caravan

Speciality Insurance

These are insurance products designed specifically for particular occupations or very specific risks.

Types of Cover available

  • Public Liability
  • Professional Indemnity
  • Directors & Officers (D&O)
  • Contract Works / Construction
  • Management Liability
  • Cyber
  • Motor Trades
  • Commercial Property Owners
  • Motor Vehicle Fleet
  • Heavy Vehicles
  • Marine Transit
  • Residential or Commercial Strata