Business Interruption

Protect your business from loss of gross revenue caused by an insured event.

*Conditions apply

All cover purchased online is from the Business Insurance Pack

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Important Notice:

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.

Business Interruption

Business Interruption

If, due to a defined insured event you cannot continue to trade as usual, your business income may cease – or be decreased for a period. There may still be loan repayments to make, employees to pay, and key customer accounts to manage. Adding cover for Business Interruption may help offset the losses to your business during this time and help get you back on track.

In the event of a defined insured event, with Business Interruption cover, your business can be covered for loss of gross revenue, and increased expenses incurred to avoid the reduction in revenue, during the affected period, including (where noted on your schedule) such costs as:

  • Business Income Protection – shortfall in weekly income (not available online – please call 131 846 for a quote);
  • Consequential Loss of Profits – loss of gross profit due to the reduction in turnover and the increased cost of working (not available online – please call 131 846 for a quote); or
  • Business Continuity – shortfall in business turnover.

What else does Business Interruption cover?

Additional benefits of Business Interruption Part C – Business Continuity cover can include:

  • Claims preparation expenses up to $5,000 (or any optionally increased higher amount shown on your schedule).
  • Where your claim is approved, the additional increase in cost of working and accounts receivable up to $25,000 (or any optionally increased higher amount shown on your schedule).

Refer to the Business Interruption 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.

Call 131 846 View PDS

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.

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. Whether that be flood, cyclone or whatever else Mother Nature can throw our way.

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