{"node":{"id":"2cd5f16b-6394-4e4f-b4e1-e4807e92651d","handle":"2cd5","type":"note","authorName":"PI Insurance","intent":"learning","title":"PI insurance for HR consultants (piinsurance.com.au/hr-consultants/)","aiSummary":null,"content":"PI for HR consultants covers claims that your workplace advice cost a client money. Most buy $1m to $2m for client contracts.\n\nSource: https://piinsurance.com.au/hr-consultants/, fetched from the preview https://pi-react-4ee768.pages.dev/hr-consultants/ on 10 Nov 2026; site dated 3 Nov 2026. Preview wording, not yet broker-reviewed. General information, not advice.\n\nSite label: Usually asked for in client contracts.\n\n## Why you need it: your clients\n\nClients ask for PI because HR advice feeds into dismissals, restructures and policy, where mistakes lead to claims.\n\n## Typical limits\n\n$1m to $2m.\n\n## What can go wrong\n\nIllustrative scenarios, not real claims.\n\n### A dismissal that went to the tribunal\n\nYou advise on a dismissal process. The employee wins an unfair dismissal claim and the client says your advice was wrong.\n\n### A policy that missed an award change\n\nYour pay policy misses an award change. The client back-pays staff and claims the cost of fixing it.\n\n## Common exclusions to watch\n- Wages the client would have owed anyway\n- Fines and penalties\n- Your own employment disputes\n\nWording differs between policies. Read the policy wording, or ask us to point out what it says.\n\n## Common questions\n\n### Do HR consultants need professional indemnity insurance?\n\nClients ask for PI because HR advice feeds into dismissals, restructures and policy, where mistakes lead to claims.\n\n### How much PI cover do HR consultants need?\n\n$1m to $2m.","capturedAt":"2026-11-10T01:00:56.392Z","createdAt":"2026-11-10T01:00:56.393Z","updatedAt":"2026-11-10T01:00:56.393Z","spanId":null,"contributor":null,"audiences":[{"kind":"public","createdAt":"2026-11-10T01:23:50.932Z"}],"fingerprint":"c3935627b64c9f4888b7bd615bf822b51e2b72b1800ae7d94fcabb08a5905d76","revisionNo":"1","structureHash":"00433400119e33043ed3e44e15a7e73a92d57fd15e2f9709423ac92df0b6b75b","page":"https://lattris.com/by/2/memories/2cd5f16b-6394-4e4f-b4e1-e4807e92651d"},"links":[{"direction":"out","verb":"references","reason":"Follow when the person's work is closer to the page for project managers, or they do both: its limits, examples and exclusions.","hash":"43ee5b1a58e21284606bc75efd2880dd2532866615c4adff6193238cf273b76f","node":{"id":"0bc44ef3-2a46-483f-b185-cc1a1bb16ab7","handle":"0bc4","type":"note","title":"PI insurance for project managers (piinsurance.com.au/project-managers/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/0bc44ef3-2a46-483f-b185-cc1a1bb16ab7?links=1","fingerprint":"c898a7a7f6162b391871a7fef103085468788971573d166bff3217048d73076f","revisionNo":"1","structureHash":"55a84eef4da7050faf3ec2cf9ac34b66e01bae299850f5481c1733fc409210f9","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/0bc44ef3-2a46-483f-b185-cc1a1bb16ab7"}},{"direction":"out","verb":"references","reason":"Follow when the person's work is closer to the page for trainers and coaches, or they do both: its limits, examples and exclusions.","hash":"12baf9699d12331bf51599eaaacdac5ef4c32257c455bd5f70c5b7b634079057","node":{"id":"16af6446-35aa-4ae5-a1eb-d8fa57fb1263","handle":"16af","type":"note","title":"PI insurance for trainers and coaches (piinsurance.com.au/trainers-and-coaches/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/16af6446-35aa-4ae5-a1eb-d8fa57fb1263?links=1","fingerprint":"21242d66e9bd2a4d36c37dac77b0dcf99037cf4b76162672cb8d10d5f425a77d","revisionNo":"1","structureHash":"dc832b251ffdd3fbc517f7b8237e0f2f89c6931a3570fcab5d1ed6a3dbfa9a1b","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/16af6446-35aa-4ae5-a1eb-d8fa57fb1263"}},{"direction":"out","verb":"references","reason":"Follow when the person's client has complained or threatened to sue.","hash":"1544f0d5041a28961ca914e3814ded2b851b4f2fc43ad20aea0d36443a962caa","node":{"id":"336d6f2e-1926-4df6-9677-aba43b727b49","handle":"336d","type":"note","title":"A client is threatening to sue. 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