All cover purchased online is from the Business Insurance Pack
Our policy name and some section names are changing as below effective from 05 April 2021:
The above changes will not impact the extent of covers provided under your policy.
Commercial Property covers your business against accidental damage to property insured that is not otherwise excluded.
As well as cover for your building, contents and stock, your business can benefit from:
You may also wish to consider Flood cover, which is an optional benefit and subject to our underwriting criteria.
Refer to the Commercial Property Section of the PDS for further details. Cover is subject to terms, conditions and exclusions listed in the PDS.
The above descriptions of cover apply to the Business Insurance Pack only. The Office Pack and Trades and Services Pack may contain different covers, limits and exclusions, and are not available for purchase online.
All cover purchased online is from the Business Insurance Pack
Theft from businesses comes in many different forms. We have a range of cover options and you can choose the amount insured according to your business needs.
Theft cover benefits include:
Refer to the Theft Section of the PDS for further details. Cover is subject to the terms, conditions and exclusions listed in the PDS.
The above descriptions of cover apply to the Business Insurance Pack only. The Office Pack and Trades and Services Pack may contain different covers, limits and exclusions, and are not available for purchase online.
All cover purchased online is from the Business Insurance Pack
Most businesses have a varying need for glass insurance. We offer optional cover for the repair or replacement of glass accidentally broken at your business premises, including stock damaged by broken glass.
We will pay the cost incurred by you (up to $10,000 for any one event) for the following:
Refer to the Glass Section of the PDS for further details. Cover is subject to the terms, conditions and exclusions listed in the PDS.
The above descriptions of cover apply to the Business Insurance Pack only. The Office Pack and Trades and Services Pack may contain different covers, limits and exclusions, and are not available for purchase online.
All cover purchased online is from the Business Insurance Pack
We understand there may be additional risks involved when you are transporting your stock or goods within Australia. We offer three cover types to choose from.
Goods In Transit is not available online.
If your stock or goods are damaged due to an insured event (please note some property is excluded – refer to the PDS) while in transit anywhere in Australia, we will cover the cost of repair or replacement, according to your applicable cover type. (shown below).
There are 3 cover types to choose from:
Refer to the Goods In Transit Section of the PDS for further details. Cover is subject to the terms, conditions and exclusions listed in the PDS.
The above descriptions of cover apply to the Business insurance Pack only. The Office Pack and Trades and Services Pack may contain different covers, limits and exclusions, and are not available for purchase online.
This cover is not available for purchase online, please call our contact centre on 131 846 to get a quote.
You can choose to be covered for loss of money contained at the business premises during business hours, contained in a locked safe or strong room, while in transit, or while in your custody – up to the applicable sum insured as shown on your schedule.
Select from the following options:
Refer to the Money Section of the PDS for further details. Cover is subject to the terms, conditions and exclusions listed in the PDS.
The above descriptions of cover apply to the Business Insurance Pack only. The Office Pack and Trades and Services Pack may contain different covers, limits and exclusions, and are not available for purchase online.
All cover purchased online is from the Business Insurance Pack
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.
TIO is based in Darwin and our strength lies in our solid understanding of the conditions faced within the Territory year after year. Whether that be flood, cyclone or whatever else Mother Nature can throw our way.
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 coversPlease note: