{"node":{"id":"04fb54d5-fee3-4bc2-ac50-09e41f38bcdb","handle":"04fb","type":"note","authorName":"PI Insurance","intent":"learning","title":"My contract says I need PI (piinsurance.com.au/contract-requirements/)","aiSummary":null,"content":"Most contract clauses ask for three things: a limit, how long you keep cover, and a certificate to prove it. You can usually meet them with one standard policy.\n\nSource: https://piinsurance.com.au/contract-requirements/, fetched from the preview https://pi-react-4ee768.pages.dev/contract-requirements/ on 10 Nov 2026; site dated 3 Nov 2026. Preview wording, not yet broker-reviewed. General information, not advice.\n\n## Key points\n- Most clauses ask for a limit, how long you keep cover, and a certificate.\n- One standard policy usually meets them.\n- Unusual run-off, limits above $10m or fitness for purpose need a broker.\n\n## Read the clause for five things\n1. **The limit.** For example \"not less than $2,000,000\".\n2. **Per claim or aggregate.** \"Each and every claim\" and \"in the aggregate\" mean different things.\n3. **How long.** Many clauses ask you to keep cover for a number of years after the contract ends. That is called run-off.\n4. **Proof.** A certificate of currency before you start, and sometimes each year.\n5. **Who is insured.** Some clauses ask for the client to be noted on the policy. PI policies rarely allow that, so ask us how to answer.\n\n## Clauses that need a broker\n\nAsk for help if the clause asks for an unusually long run-off, a limit above $10m, cover for fitness for purpose, or an indemnity that goes further than the law would. These are common and fixable, often by a short email to the client.\n\nSend us your clause\n\n## Common questions\n\n### What is a certificate of currency?\n\nA one-page document from the insurer or broker that proves your policy is in force, with its limit and dates.\n\n### Can my client be added to my PI policy?\n\nUsually not as an insured. 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