Business Insurance

Select the cover which best suits your business

All covers purchased online are from the Small Business Advantage Pack

Get a quote
Retrieve a quote

Why business insurance?

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

So no matter how much you plan and prepare for things, sometimes there are circumstances that are out of your control.

TIO’s Business Insurance Pack can provide cover for your business including your buildings and contents or stock against loss, damage or theft. It also provides a cover option for business interruption. We know that each business is different, so we understand that the cover required needs to be flexible and provide protection where you need it most.

Explore our cover options

Our cover is designed to help protect your business from unplanned costs when things go wrong.

Given that no two businesses are the same, TIO's Business Insurance Pack allows you to select the covers that may suit your business needs2. Click the tiles below to see what you can cover.

Management Liability

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 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.

We understand the unique conditions faced in the Territory

TIO is based in Darwin and our strength lies in our solid understanding of the conditions faced within the Territory year after year.

Find out more


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 offer Territorians a range of insurance options to choose from. We are as committed and passionate about the Northern Territory as you are.

*Conditions apply

1. Pay by the month (Payment 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. Available covers

Please note:

  • When purchasing the Business Insurance Pack you can select your choice of covers. Public Liability Insurance is automatically included when you quote online. To get a quote without Public Liability cover, please contact us on 131 846.
  • Some covers are only available if you have taken out other covers. For example, the Theft Section is only available if you have also selected the Commercial Property Section.