Business Insurance Claim
Existing customers:

Business Insurance Claims

What should I do if I need to make a business insurance claim?

  • Take precautions to prevent further loss, damage or liability.
  • Notify the police if necessary.
  • Make sure you have your policy number and details of what has happened.
  • Call one of our friendly consultants on 131 846 who will assist you with the claims process.
  • If we believe that it is necessary for your claim to be assessed we will appoint one of our preferred Loss Adjusters, who will be in ‎contact promptly to arrange a convenient time to visit you.

What should I do if I need to make a liability claim?

  • Call one of our friendly consultants on (02) 8988 9969 who will assist you with the claims process.

Notifying TIO of a Claim

Phone
Call 131 846 and one of our friendly consultants will assist you with the claims process

For emergency after hours support please call 131 846 and follow the prompts.
Call 131 846
Claim forms
We have a range of insurance claim forms that can be downloaded and sent to TIO
Find out more
Lodging your claim form

Email: tiocommercialclaims@tiofi.com.au

Post:
GPO Box 770, Darwin NT 0801

Email

Claim forms

For your convenience, please find below a range of business insurance claim forms.

If you are unable to locate a claim form related to your policy please contact one of our consultants.

Forms

Steps to submit

  • Complete or print out the relevant claim form required
  • Make sure you have provided all of your contact details
  • Email or post the claim form to TIO.

Complaints - helping solve any problems

We strive to do things the right way and keep our customers happy. In the event you are dissatisfied with our product or services, we aim to resolve any issues as quickly as possible.

Find out more 

Frequently Asked Questions

One of our consultants will discuss this with you when they receive your claim or when you call to make your claim.
Documents such as purchase receipts, credit card statements and owner's handbooks will help.

When you speak to a consultant, they'll let you know what you need to provide to help us process your claim.
Call our claims department on 131 846 and one of our friendly consultants will take you through the claims process.

Business Interruption Insurance

We understand the concerns of customers who may be waiting for a determination of their claim or resolution of a dispute, as the Insurance Council of Australia sought clarity on behalf of the insurance industry on what circumstances would trigger a claim to be paid under a business interruption cover due to COVID-19.

In June 2021 the High Court upheld the decision of the NSW Court of Appeal that found that insurers cannot rely on Pandemic Exclusions in Business Interruption policies which reference the repealed Quarantine Act 1908 (cth).

On 8 October 2021 the Federal Court handed down its decision on the Second Business Interruption Test Case, finding that, in 9 out of the 10 test cases, insurers were not liable to indemnify customers for their claim under the respective business interruption covers as none of the relevant clauses were triggered.

The decision is subject to appeal before the Full Federal Court and has been scheduled for hearing 8 November to 16 November 2021. We will need to await the outcome of the appeals in the Second BI Test Case before finalising Allianz’s position on claims.

Next Steps

Appeals in 5 of the 10 cases in the second test case have been lodged and are provisionally listed before the Full Federal Court between 8– 16 November 2021 with judgment anticipated to be given in December 2021.

No appeal was lodged in the 2 Allianz cases which formed part of the second test case. Despite this, TIO, like the rest of the insurance industry is awaiting a final outcome of the appeals.

Lodging a Business Interruption Claim

If you believe your circumstances entitle you to coverage under your business interruption cover, please consider lodging a claim. You can call our claims line on 131 846 or visit tiofi.com.au for further information.

To assist in the assessment of the claim, we have prepared a list of things for you to consider when completing your claim in the FAQ below.

Each claim will be reviewed subject to your business interruption insurance cover and there must be a loss that is covered by the policy before a claim can be paid.

If the claim gives rise to one of the issues heard in the second test case, we may be unable to finalise the claim at that time but will do so as soon as a final determination has been made.

If the loss does not fall within the scope of cover then the claim will not be paid.

Further information

For up to date announcements and information regarding BI Test Cases please visit the Insurance Council of Australia website.

If you have any further questions, please call us on 131 846.

Questions to consider Answer

Have the insured premises had a confirmed case at the premises, interfering, interrupting or requiring them to close?

Have the insured premises been closed because of a known COVID-19 case within the vicinity limit (as detailed in the PDS e.g. 20km) of the premises?

Has there been a confirmed COVID-19 outbreak in the vicinity of your business resulting in your businesses closure?

Please provide evidence. This can include:
  • Health authority advice
  • Emergency professional cleaning invoices

If the confirmed Covid case was not at your premises, you will need to be able to identify where the COVID-19 case was in relation to your business. As it currently stands, the judgment in the second BI test cases means that a confirmed Covid case within the vicinity limit may not trigger the insuring clause (see below)

Was your business mandated by a competent public authority to close or partially close? For example, did the state or local government order your business to close?

Examples of businesses mandated for closure include pubs, licenced clubs, gyms, indoor sporting venues, restaurants, cafes and beauticians.

 N/A

Have there been any changes to business operations in last 12 months? If yes, what were these changes?

For example:

– Did you change your trading hours?
– Did you modify the business to allow you to trade under COVID-19 e.g. window only business or takeaway only?

 Please provide you previous 12 months sales data prior to the date of loss, and sales data during the loss period.
What is the operating rhythm of your business? Financial information to prepare includes:
  • Quarterly Business Activity Statements
  • Monthly/Annual Profit and Loss statements
  • Monthly payroll summary reports by employee
  • Supporting invoices for increased / additional costs incurred to mitigate loss or maintain business operations
  • Has your business received any government benefits? e.g. JobKeeper
  • Details of all rental relief provided by your landlord
When will my claim be paid?

The High Court’s decision in June 2021 means insurers cannot rely on references to the Quarantine Act 1908 (Cth) to deny liability in policies written in the same terms as the policies considered in the first test case.

However, on 8 October 2021 the Federal Court handed down its decision on the Second Business Interruption Test Case, finding that, in 9 out of the 10 test cases, insurers were not liable to indemnify customers for their claim under the respective business interruption covers as none of the relevant clauses were triggered.

The decision is subject to appeal before the Full Federal Court and has been scheduled for hearing 8 November to 16 November 2021. We will need to await the outcome of the appeals in the Second BI Test Case before finalising Allianz’s position on claims.

TIO will respond to affected customers who have lodged business interruption claims on a case-by case basis, however the vast majority of claims may not be able to be finalised until the outcome of the appeal in the second test case is known.