Small Business
Commercial Insurance
AUD 250 /year
AUD 3M
AUD 500
All States
No
- Business Interruption
- Business Packages
- Contents
- Equipment Breakdown
- cafes and/or canteens
- education such as kindergartens and registered training organisations
- beauty therapists
- medical based occupations including dental and general practices, dermatologist, psychiatrists, pathology, thoracic specialist and allied health professionals
- office based occupations including accountants, architects, real estate agencies, advertising services, legal and consultant practices, travel agencies, translation services, graphic design, engineers
- retail businesses including health foods, fruit and vegetable, deli, bed and mattress, clothing, fabric, kitchenware, manchester, household appliances, paint, electronics, bookstore, lighting
Product Overview
Small Business by ProRisk Underwriting Pty Ltd is a flexible business package built for everyday Australian small enterprises. It brings together commonly needed covers so one policy can help protect key assets and trading income.
About Small Business by ProRisk Underwriting Pty Ltd
The package can include business interruption, contents and equipment breakdown sections to suit different occupations and risk profiles. Cover is adjusted around sums insured up to AUD 3 million.
Policies generally carry a standard AUD 500 excess for most sections. Target clients range from cafes, retailers and beauty therapists through to medical, education and office based professionals.
This breadth lets brokers place mixed books of small clients under one familiar framework. Small Business by ProRisk Underwriting Pty Ltd is available across all Australian states with minimum premiums from AUD 250.
Brokers quote and bind through ProRisk’s ProBind platform, then refine limits and covers as client needs change. For placement details, brokers can review the linked product documents and trading platform, then contact the underwriter from this page using the ‘Contact Underwriter for Quote’ option.
Small Business by ProRisk Underwriting Pty Ltd FAQs
Which occupations are generally eligible for this small business package?
This ProRisk Small Business package is built for a wide spread of everyday occupations. Target classes include cafes and canteens, retail shops, beauty therapists, education providers and office based professionals.
Medical‑based occupations are also listed, including dental and general practices, dermatologists, psychiatrists, pathology services, thoracic specialists and allied health professionals.
Which retail operations can this small business package apply to?
The stated appetite includes many retail shops such as health food stores, fruit and vegetable outlets and delis. It also lists bed and mattress, clothing, fabric, kitchenware, manchester, household appliances, paint, electronics, bookstores and lighting retailers.
This product falls under commercial insurance. Brokers looking at broader Commercial Insurance themes can also review IB’s category content before drilling back into this specific package.
What covers can be included in the Small Business package?
Small Business by ProRisk Underwriting Pty Ltd lists four main coverage areas for this package. These are business interruption, business packages, contents and equipment breakdown.
These sections help protect physical assets and trading income within one structure, instead of arranging several separate policies for each exposure.
How does Small Business by ProRisk Underwriting Pty Ltd help brokers manage mixed books of clients?
Small Business by ProRisk Underwriting Pty Ltd accepts many different occupations under one framework, from retailers and cafes to medical and office based practices.
This lets brokers place a mixed book of small enterprises with a single underwriting agency, then tailor sections, limits and excess in ProBind.
What level of premium can very small or micro enterprises expect as a starting point?
Small Business by ProRisk Underwriting Pty Ltd has a minimum annual premium of AUD 250 for this product.
Very small or micro enterprises can treat this figure as a guide when weighing the package against their size, location and appetite for cover up to AUD 3 million.
Small Businesses
Retail
Café / Restaurant
Business Operations
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