In this episode we continue the conversation with Gab Toscan and Michael Dennis from Breakwater Insurance, shifting the focus to the practical realities of insurance inside a dairy business.

This part of the chat dives deeper into the insurable risks dairy farmers face day-to-day — including employment, business continuity, and how events like fire and flood can impact a business beyond the immediate damage. Gab and Michael share real-world examples from working alongside dairy farmers, highlighting why insurance can feel expensive when it's not clearly understood, but becomes invaluable when it's set up with intention and paired with a practical plan.

The conversation also builds on the role of Dairy Protect, a dairy-focused insurance project designed to make insurance work for dairy farmers through specialist brokers who understand the pressures, complexity, and pace of running a dairy operation.

This episode was made in partnership with Dairy Protect and Cream of the Crop.

Contact details:

• Website: https://www.dairyprotect.com.au

• Phone: 1300 063 888

• Instagram: @dairyprotect

Disclaimer:

This episode provides general information only and does not constitute financial product or other advice. The information does not take into account your personal objectives, financial situation, or needs. You should consider whether the information is appropriate for your circumstances and review the relevant Product Disclosure Statement (PDS) before making any decisions. Information is current as at the date of recording and may be subject to change. A copy of the Financial Services Guide (FSG) is available at dairyprotect.com.au.

PROUDLY SUPPORTED BY CREAM OF THE CROP

Cream of the Crop is a two day conference, providing an opportunity for women in the dairy industry to come together to learn, connect and grow. Recognising the contribution, regardless of their role, they make to the industry and their wider community. Keep an eye on Instagram or Facebook or check it out on the Website for all of the details.

If you know someone who you think would be great on the podcast, or you would like to share your story, please get in touch by sending an email to [email protected] or stay connected by following us on Instagram or Facebook and send us a message - I'd love to hear from you.

In the spirit of reconciliation we would like to acknowlegde the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.