Commercial Insurance

Commercial Insurance

As your business grows and your insurance requirements become more complex, we encourage customers to talk to a Northern Territory Insurance Broker to discuss suitable options available to you. Brokers will be able to access TIO’s specialised commercial insurance products:

  • Commercial and Residential Strata
  • Business Pack
  • Motor Trade Pack
  • Trade and Services Pack
  • Office Pack
  • Commercial Motor and Motor Fleet
  • Public and Products Liability
  • Industrial Special Risks

For more information about accessing a Northern Territory Insurance Broker please contact us on (08) 8946 2216 or

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.
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.