Public Liability

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

All covers purchased online are from the Small Business Advantage Pack

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Public & Products Liability Insurance

Running a small business is stressful enough. TIO’s Public Liability cover gives you the peace of mind knowing you’re protected 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?

We live in a world where people sue businesses for all sorts of things – 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, property damage and/or advertising liability can be vital for many small businesses.

Sometimes claims can run into hundreds of thousands of dollars. That’s why TIO has created an easy-to-understand Liability solution that allows you to select the right cover for you.

The Public and Product Liability Section also covers your liability arising out of your products, unless Products Liability cover3 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). You are also covered for 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 for?

Public and Product Liability protects your business against your liability to pay compensation for personal injury and property damage, including:

  • Bodily injury, death, sickness, disease, disability, shock, fright, mental anguish and mental injury or loss of consortium.
  • Physical injury to, or loss of or destruction of tangible property including loss of use of the property, resulting therefrom.
  • Loss of use of tangible property which has not been physically injured or destroyed provided such loss of use is caused by physical damage to or destruction of other tangible property.
  • False arrest, false detention, wrongful imprisonment, malicious prosecution or malicious humiliation.
  • Wrongful eviction.
  • Assault and/or battery committed for the purpose of preventing or eliminating danger to persons or Damage to property.

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 Small Business Advantage Pack only. The Office Pack and Trades and Services Pack can 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 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. Product cover

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