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.

Gab Toscan and Michael Dennis from Breakwater Insurance are working closely with dairy farmers and share what they've learned from supporting businesses through challenging moments — and why dairy insurance isn't always as simple as a set-and-forget farm pack. The conversation introduces Dairy Protect, a dairy-specific approach to insurance advice, and explores the difference between general and personalised advice, along with the questions worth asking so you genuinely understand your cover.

The conversation continues in Part 2 with a deeper dive into insurable risks within a dairy business, including employment, continuity cover, and navigating natural disasters such as flood and fire.

This episode was made in partnership with Dairy Protect, Breakwater Insurance, and Cream of the Crop. Dairy Protect exists to make insurance work for dairy farmers, through a team of specialist brokers who understand the unique risks, pressures, and complexities of running a dairy operation. To speak with one of our brokers, connect with us on socials through @dairyprotect, visit our website at dairyprotect.com.au or give us a call on 1300 063 888.

Disclaimer:

This episode provides factual information rather than financial product or other advice. The information contained in this episode, has been prepared without taking into account any personal objectives, financial situations or needs. You should consider the appropriateness of the information, taking these matters into account, before you act on any information. In particular, you should review the product disclosure statement for any product the information relates to before acquiring the product. Information is current as at the date of recording but is subject to change. We cannot make any representation as to the accuracy or completeness of the information.

To obtain advice on how this information does impact your personal circumstances, or to obtain a copy of the PDS for any of the products referred to, please reach out to Dairy Protect on 1300 063 888 to speak to a broker. A copy of the Financial Services Guide (FSG) can also be found at dairyprotect.com.au

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.

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 for our 2026 Conference

In this episode of the More than Milk podcast, Chloe sits down with Rachel Nicholson, a dairy farmer based on Jones Island on the mid-north coast of New South Wales.

Rachel shares her experience of farming on a floodplain, including the impact of major flood events in 2021 and again in 2025, and what those seasons revealed about resilience, risk, and the strength of the dairy community. She reflects on how community support became critical to keeping their business going, with farmers and industry stepping in when it mattered most.

This conversation also explores capacity and mental load in dairy farming — knowing when you can't carry everything at once, and why rebuilding mental health has to sit alongside rebuilding farm infrastructure. Rachel speaks openly about juggling farming, family, and community leadership, and the importance of recognising personal limits for long-term sustainability.

Rachel also shares how creativity and art have become a way to process difficult experiences, stay connected to dairy, and find beauty through challenging seasons. It's an honest, grounded conversation about community, self-awareness, and the many different ways people contribute to the dairy industry.

This episode will resonate with dairy farmers, agricultural families, and anyone navigating change, pressure, and connection within rural communities.

If you'd like to follow along or check out any of her artwork - use the handle @ghinni_ghinni_studio on Instagram.

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.

Joe Jacobs is the Research Director for Animal Production with Agriculture Victoria, based at the Ellinbank Smart Farm. In this chat Joe shares his incredible journey as a scientist, having worked in multiple dairying regions before making the move to Gippsland. He emphasizes the importance of practical, on farm research and the need for translating scientific findings into actionable insights for farmers, but also understands the need for collaborating with farmers and industry partners to ensure the research is relevant, beneficial and answering the right questions.

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.

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.

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. 2026 will be once again back in the Western District so keep an eye on Instagram or Facebook or check it out on the Website for all of the details.

Louise Sundermann is the policy lead for animal health and welfare at Dairy Australia. After growing up on a dairy farm in Gippsland, her passion for animals led her to work with Dairy Australia in a number of roles, with her current focus the Calfways Pathway for Dairy Beef in the search for practical solutions to surplus calves. In this chat she shares the complexities of animal welfare and policy development, as well as maintaining social licence and the evolving market dynamics for dairy beef. And whilst there isn't a one size fits all solution, just yet, her message is clear, watch this space. It's a really great chat so let's get into it.

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.

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.

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.

With a carefully considered 1.5 day program, attendees will have the opportunity to be challenged and inspired by speakers, panels, workshops, and farm and factory tours; as well as having the opportunity to network with like-minded people in the industry. The conference is open to farmers and service providers of all ages and stages, and the organisers encourage both group and individual registrations.

More information can be found on their Website or via Instagram or Facebook

Deanne Kennedy had a background in finance and local government, before becoming a dairy farmer's wife, but soon found herself putting the bookkeeping and organisational skills to work, managing the office for a farm consultant and milk processor, before founding Jaydee Events

With a passion for event management and people, she shares how they created Cows Create Careers which has grown into one of the most successful school-based initiatives over the last 21 years. And while she's quick to acknowledge the many people and supporters, she certainly has a heart that is bigger than the contact list in her phone.

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.

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.

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.

Troy Rossborough grew up in suburban Melbourne before a childhood love of the outdoors led him into agricultural studies and a traineeship in dairy. Over the next 25 years, he worked across Northern Victoria and Gippsland, experiencing everything from small family farms to large-scale operations, and navigating the many highs and lows of the industry along the way.

In our chat, Troy reflects on the lessons, the mentors, and the turning points that shaped his career, and why he's now found a role as a tanker driver that brings both balance and connection to the industry that he loves.

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.

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.

Amy Cosby, a dairy farmer and agricultural researcher, discussed her journey into dairy farming, her academic career, and her passion for agricultural education. She shares her and her husband's long-term goal of farm ownership, the challenges they faced securing financing, and the eventual purchase of their farm in South Gippsland in 2018. Amy explained how she balanced her on-farm responsibilities with a demanding remote career as a research director for Central Queensland University. We also discuss the critical need to attract young people to agriculture through sustained, engaging educational programs, positive industry storytelling, and showcasing diverse career paths beyond traditional farming.

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. Amy joined us as a panelist - bridging the gap.

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.

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.

Warren Davies is the Unbreakable Farmer, who spends his days now as a mental health advocate and speaker, working across the country with a diverse mix of communities and organsiations, but at his heart, he's still a dairy farmer. In this chat he shares how he purchased his own farm next to his parents with ambitions to grow. He was certainly thrown some curveballs by mother nature, and it was during the drought that they shut the gate metaphorically and physically on that farm. We also explore his work now within the mental health space and his observations of rural communities especially farmers as well as exploring resilience and building capacity within communities to support each other through life's challenges.

Visit www.theunbreakablefarmer.com.au to download Warren's free "Unbreakable Wheel of Wellbeing" ebook and learn practical strategies for maintaining mental health. Whether you're in agriculture or any field facing challenges, Warren's story reminds us that building capacity within ourselves and our communities is essential for navigating life's inevitable storms.

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.

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.

Billy Buckingham has returned home to his family farm, with a real passion to continue the legacy his grandparents started.

In this chat he shares the current challenges of the drought and how he is able to take advantage of the dry season preparations his family invested in years ago. He also shares the importance of community and networking in the Young Dairy Network, and how these connections have not only helped with on farm investments but are so beneficial for mental health especially during tough times.

TOPICS WE COVER

Career Journey and Background

Family Farm History and Legacy

Succession Planning and Farm Management

Current Farming Challenges

Young Dairy Network (YDN) Involvement

Technology and Farm Improvements

Community and Mental Health

Personal Values and Future Goals

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. Over 110 incredible women joined us in Northern Victoria in 2024, and we are excited to announce we are heading to Warragul in Gippsland on July 29th & 30th 2025. Keep an eye on Instagram or Facebook or check it out on the Website for all of the details.

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.

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.