Find your occupation, see what cover clients and regulators ask for, and get real quotes through a broker.
Source: https://piinsurance.com.au/, fetched from the preview https://pi-react-4ee768.pages.dev/ on 10 Nov 2026; site dated 3 Nov 2026. Preview wording, not yet broker-reviewed. General information, not advice.
Site label: For Australian professionals.
Arranged by Alex Coombes, broker at Simple Insurance. Call 0481 784 456
Start with your work
Popular occupations
- Management consultants — Usually asked for in client contracts
- IT consultants — Usually asked for in client contracts
- Engineers — Your registration body may expect it
- Architects — Most state boards expect it
- Recruitment consultants — Usually asked for in client contracts
- Bookkeepers and BAS agents — Required for registered BAS agents
- Marketing consultants — Usually asked for in client contracts
- Project managers — Usually asked for in client contracts
- Real estate agents — Check your state and industry body
See all occupations
Know your cover
How PI works, in plain English
It covers claims, not the year you did the work
PI responds to claims made against you, and notified to the insurer, while the policy is in force. It pays to defend you and any compensation, up to your limit.
Claims-made: today's policy handles old work
If you did a job in 2025 and the client complains in 2027, it is your 2027 policy that responds. Let cover lapse in between and there may be nothing to claim on.
Your retroactive date sets how far back you are covered
Work done before the retroactive date is not covered. Keep cover continuous and ask any new insurer to match your date, so past work stays protected.
Claims can arrive after you stop
Because PI is claims-made, a claim after you retire needs a policy in force. Run-off cover does that, and many contracts ask for it for a set number of years.
It does not cover everything
Known problems, most injury and property damage, deliberate wrongdoing, fines and promises you made in writing are common exclusions. Wording differs, so read the policy.
If a client complains, call your broker first
Tell your broker or insurer straight away, do not admit fault or offer money, and keep every record. You can notify a problem before it becomes a formal claim.
PI glossary: 61 terms in plain English
Three steps
How it works
- **Pick your occupation.**See what clients and regulators usually ask for.
- **Answer eight questions.**No contact details until the end.
- **Get real quotes.**By email, or a broker calls you.
Talk to a broker
Alex Coombes, a broker at Simple Insurance, checks your contract clause and finds a policy that fits.
Common questions
Why is there no price on this site?
A PI premium depends on detail: what you do, your turnover, the limit you need and your claims history. A rough figure could mislead you, so a broker gets real quotes from insurers once they have your answers.
What does claims-made mean?
PI covers claims made against you while the policy is in force, for work done after your retroactive date. Keep cover continuous so older work stays protected.