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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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 members of the public slip and fall in your shop and sustain an injury, or when your 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 a 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.

You can choose your level of cover: $5,000,000, $10,000,000 or $20,000,000 (please note sub-limits apply to certain elements of the cover). TIO Public and Product Liability insurance also covers damage to property that is temporarily in your care, custody or control up to $250,000 per period of insurance.

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 members of the public, 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.

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.

Find out more

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 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. Pay by the month (Payment 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

Please note:

  • When purchasing the Business Insurance Pack you can select your choice of covers, Public Liability Insurance is automatically included when you quote online. To get a quote without Public Liability cover, please contact us on 131 846.

  • 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.