{"node":{"id":"2831f59c-f892-408c-9b1f-13c309b607d3","handle":"2831","type":"note","authorName":"PI Insurance","intent":"learning","title":"Professional indemnity insurance for your work (piinsurance.com.au/)","aiSummary":null,"content":"Find your occupation, see what cover clients and regulators ask for, and get real quotes through a broker.\n\nSource: 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.\n\nSite label: For Australian professionals.\n\nArranged by Alex Coombes, broker at Simple Insurance. Call 0481 784 456\n\nStart with your work\n\n## Popular occupations\n- **Management consultants** — Usually asked for in client contracts\n- **IT consultants** — Usually asked for in client contracts\n- **Engineers** — Your registration body may expect it\n- **Architects** — Most state boards expect it\n- **Recruitment consultants** — Usually asked for in client contracts\n- **Bookkeepers and BAS agents** — Required for registered BAS agents\n- **Marketing consultants** — Usually asked for in client contracts\n- **Project managers** — Usually asked for in client contracts\n- **Real estate agents** — Check your state and industry body\n\nSee all occupations\n\nKnow your cover\n\n## How PI works, in plain English\n\n### It covers claims, not the year you did the work\n\nPI 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.\n\n### Claims-made: today's policy handles old work\n\nIf 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.\n\n### Your retroactive date sets how far back you are covered\n\nWork 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.\n\n### Claims can arrive after you stop\n\nBecause 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.\n\n### It does not cover everything\n\nKnown problems, most injury and property damage, deliberate wrongdoing, fines and promises you made in writing are common exclusions. Wording differs, so read the policy.\n\n### If a client complains, call your broker first\n\nTell 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.\n\nPI glossary: 61 terms in plain English\n\nThree steps\n\n## How it works\n1. **Pick your occupation.**See what clients and regulators usually ask for.\n2. **Answer eight questions.**No contact details until the end.\n3. **Get real quotes.**By email, or a broker calls you.\n\n## Talk to a broker\n\nAlex Coombes, a broker at Simple Insurance, checks your contract clause and finds a policy that fits.\n\n## Common questions\n\n### Why is there no price on this site?\n\nA 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.\n\n### What does claims-made mean?\n\nPI 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.","capturedAt":"2026-11-10T01:00:52.357Z","createdAt":"2026-11-10T01:00:52.357Z","updatedAt":"2026-11-10T01:14:21.618Z","spanId":null,"contributor":null,"audiences":[{"kind":"public","createdAt":"2026-11-10T01:23:49.936Z"}],"fingerprint":"60edb98f1335bde60b7ed18a3e98becb3dafdd3aa469c29bb92480340d7e4cf1","revisionNo":"2","structureHash":"8a6430d6b43d688feb6e74719ecb9430593dd7d2587ea36c7e1c5f63efcd036c","page":"https://lattris.com/by/2/memories/2831f59c-f892-408c-9b1f-13c309b607d3"},"links":[{"direction":"out","verb":"references","reason":"Follow when the person's contract or tender asks for PI: the five things to read in the clause, and the clauses to show a broker first.","hash":"1b71a984b295a7e252101fb87bd6c689eb04fce3bec99d9fcab265b7d8bf48ca","node":{"id":"04fb54d5-fee3-4bc2-ac50-09e41f38bcdb","handle":"04fb","type":"note","title":"My contract says I need PI (piinsurance.com.au/contract-requirements/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/04fb54d5-fee3-4bc2-ac50-09e41f38bcdb?links=1","fingerprint":"32ea73f9fd7f1637c6c3b1752cd64ae0f897e5c5c5c187dbfdb9efc6ccae641e","revisionNo":"2","structureHash":"cb7843d8fbc7b354709c942fd0f4538f678b9ee16b5c404eee903f810144c5af","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/04fb54d5-fee3-4bc2-ac50-09e41f38bcdb"}},{"direction":"out","verb":"references","reason":"Follow when the person asks who runs the site, who they deal with, or whether the broker is independent.","hash":"6ceac2a7d57b2114c593cac3fe03269c6c84f106e08e2f9c0fcdc2591108db69","node":{"id":"26556135-8d5e-4665-8699-39c9f374dbaa","handle":"2655","type":"note","title":"About PI Insurance (piinsurance.com.au/about/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/26556135-8d5e-4665-8699-39c9f374dbaa?links=1","fingerprint":"04d3691e17c2eb2eb797c250c5be09390186e75f29693a8fa2c81ae150ceb32f","revisionNo":"1","structureHash":"cb18144be2d12e6194113091e8f763dfe87146d9da4e12ddddc57a479453b2df","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/26556135-8d5e-4665-8699-39c9f374dbaa"}},{"direction":"out","verb":"references","reason":"Follow when a client has complained or threatened to sue: the steps to take, and what not to say or offer.","hash":"d78d7ddeeacb36be1cb61db26d24370f6f87a17b393787f1ae4120704750d280","node":{"id":"336d6f2e-1926-4df6-9677-aba43b727b49","handle":"336d","type":"note","title":"A client is threatening to sue. 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