Business Insurance

Select the cover which best suits your business

All covers purchased online are from the Small Business Advantage Pack

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Why do you need business insurance?

Whether you are just starting out or have been in business for many years, you have spent a lot of time and effort building your business.

So no matter how much how much you plan and prepare for things, sometimes there are circumstances that are out of your control – so you need to ensure you protect your business to keep it running.
Business insurance can provide cover for your business including your premises and stock or materials against loss, damage or theft. It also provides a cover option for business interruption3. We know that each business is different, so we understand that the cover required needs to be flexible to suit your needs and provide protection where you need it most.

Get the cover that is right for your business

Your business is worth protecting from those events and incidents that could potentially impact your personal and financial investment.

Given that no two businesses are the same, TIO's Small Business Advantage Pack allows you to select the covers that best suit you. Click the tiles below to see what you can cover with Business Insurance.

Speak to our local Business Insurance Representatives

Discuss our business insurance options with one of our local Business Insurance Representatives

Lodge a claim

View the many options available to lodge a claim.

No extra charge for pay by the month1

We offer pay by the month at no extra charge for your convenience.

Talk to a local
Our contact centre and claims teams live and work in the Territory, so we know Territory conditions.
Trusted since 1979
TIO was established in 1979 to provide Territorians with insurance options that are right for them. Almost 40 years on, we are still here because we are as committed and passionate about the Northern Territory as you are.

Any advice here does not take into account your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please consider the relevant Product Disclosure Statement (PDS) / Policy Wording and Supplementary PDS (where applicable) which are available on this website.

1. Payment by instalments

Premiums payable by instalment may be subject to minor adjustments (upwards and downwards) due to rounding and Financial institution transaction fees may apply.

2. Minimum premiums may apply

Minimum premiums may apply. Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlement. Discounts are available at the time of printing and are subject to change without notice.

3. Available covers

Please note:

  • When purchasing the Small Business Advantage Pack you can select the covers you need, although the Public Liability Section is a mandatory cover;
  • Some covers are only available if you have taken out other covers. For example, cover for Theft Section is only available if you have also selected Material Damage Section.