Public Liability

Choose from $5 million, $10 million or $20 million level of cover

All covers purchased online are 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.

Public & Products Liability Insurance

Running a small business is stressful enough. TIO’s Public Liability cover helps to protect you in the event that your business is legally liable for property damage or personal injury to others.

Protect yourself with public liability

Why do I need Public Liability cover?

Businesses may need Public Liability cover for various reasons - you may become legally liable when third parties slip and fall in your shop and sustain an injury, or when faulty products cause property damage or injury. Being protected against claims for personal injury and/or property damage can be vital for many small businesses.

Claims for legal liability can be expensive. That’s why TIO has created an easy-to-understand Public Liability solution that allows you to select the right cover for you.

TIO Public and Product Liability insurance also covers your liability arising out of your products, unless Products Liability cover2 is specifically excluded.

You can choose cover for up to: $5,000,000, $10,000,000 or $20,000,000 (please note a sub-limit applies to Products Liability per period of insurance). TIO Public and Product Liability also covers damage to property that is in your physical or legal control up to $250,000 per period of insurance, unless stated otherwise in your schedule. You may also be eligible to increase this limit depending on your type of business.

What am I at risk of?

Public and Product Liability insurance helps protect you if you become liable to pay compensation for personal injury to third parties, or damage to their property, during the course of your work, or if a third party brings a claim against you in relation to your business activities or product/service.

Refer to the Public and Product Liability 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.

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.

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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. 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. Available covers

In some circumstances, you may not be eligible for Products Liability cover.

Please note:

  • When purchasing the Business Insurance Pack you can select your choice of covers, although Public Liability is a mandatory cover;
  • 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.