{"node":{"id":"51d0b4ab-f403-4d63-b0cb-8dd501f8546f","handle":"51d0","type":"note","authorName":"PI Insurance","intent":"learning","title":"Send a PI enquiry (piinsurance.com.au/enquiry/)","aiSummary":null,"content":"Two minutes of questions, then your contact details. We don't give prices or quotes on this site: Alex Coombes reviews every enquiry, gets quotes from insurers and contacts you with options.\n\nSource: https://piinsurance.com.au/enquiry/, fetched from the preview https://pi-react-4ee768.pages.dev/enquiry/ on 10 Nov 2026; site dated 3 Nov 2026. Preview wording, not yet broker-reviewed. General information, not advice.\n\n**Preview only.** Nothing on this page is sent anywhere. Do not enter real personal details.\n1. Occupation\n2. Your work\n3. What PI covers\n4. Send\n\nStep 1 of 4: Occupation\n\n## What do you do?\n\nNot listed? Tell a broker what you do.\n\nA broker uses these to get real quotes from insurers that suit your work. We do not show a price here, because a rough figure could mislead.\n\n## Your contact details\n\nLeave your details and Alex Coombes will contact you. Or call 0481 784 456, or email info@simpleinsurance.com.au.\n\n**Preview.** This form is being tested. Please don't enter real client details yet.\n\nThe form asks for: your name (required), phone (required), email, best time to call, and anything we should know (optional).\n\nWe collect your details to call you back about PI insurance. We may share them with insurers we approach for you and with our licensee, Metrix Connect. Our privacy policy explains how we collect, use and disclose your details, and how to access or correct them.\n\nI have read and understood the privacy policy, and I agree to my details being used as it describes (required).\n\nThe section below is rendered by the page's script (QuoteJourney), not in its static HTML. Its wording is taken verbatim from https://pi-react-4ee768.pages.dev/_astro/QuoteJourney.qhqTYiJm.js and the page's embedded data. Answer options are listed only where the bundle shows them plainly.\n\n## The enquiry questions (shown step by step on the page)\n\nStep 1 of 4: Occupation. \"What do you do?\" Choose your occupation, or tell a broker what you do.\n\nStep 2 of 4: Your work. \"Eight questions. No contact details until the end.\"\n\n1. How do you trade? Options: Sole trader; Company; Partnership or trust.\n2. Turnover or fees in the last 12 months. Options: Under $100k; $100k to $250k; $250k to $500k; $500k to $1m; $1m to $2.5m; Over $2.5m.\n3. How much cover do you want? Limits offered: $1m; $2m; $5m; $10m.\n4. Any work for clients in the USA or Canada?\n5. Have you had a claim, or do you know of anything that might lead to one? Hint: \"Include older matters too. If you are unsure, answer Yes.\"\n6. Has an insurer ever declined or cancelled your PI?\n7. Do you do any of this work? \"Tick any that apply. None is fine.\" The list depends on the occupation's group (below).\n8. Do you have PI now?\n\n### Question 7 lists, by occupation group\n\n**Business and consulting**\n- Advice on mergers, acquisitions or insolvency\n- Work for financial services or government security clients\n- Guaranteeing a result or saving in writing\n\n**Construction, design and engineering**\n- Cladding, facades or fire engineering\n- Residential apartment buildings over three storeys\n- Geotechnical, dams, bridges or tunnels\n- Signing off work you did not design\n\n**Technology and IT**\n- Payment, health or critical infrastructure systems\n- Holding client data on your own systems\n- Penetration testing or security sign-off\n\n**Finance**\n- Financial planning or investment advice\n- Handling client money in a trust account\n- Self-managed super fund audits\n\n**Property and real estate**\n- Holding a trust account\n- Strata or body corporate management\n- Commercial property over $10m\n\n**Health and care**\n- Treating children or people with disability\n- Prescribing, injecting or invasive procedures\n- Telehealth to clients overseas\n\n### Your duty of disclosure\n\nIf you do not meet it, the insurer may reduce or refuse a claim, or cancel the policy. If you are unsure whether something matters, tell the insurer before you buy.\n\n### When an answer sends the enquiry to a broker for a closer look\n\n- Insurers look closely at [the occupation], so a broker places this cover directly. (Shown for the eight occupations a broker arranges directly.)\n- Turnover over $2.5m is priced individually.\n- Limits over $10m are arranged by a broker.\n- USA or Canada work needs a specific insurer.\n- Past claims or circumstances are best explained to the insurer by a broker.\n- A broker can explain a past decline and find a new insurer.\n- Some of the work you ticked needs a tailored policy.\n\nThe page then says: \"Your work needs a closer look. That is common, and it usually gets you a better fit.\" and \"Alex Coombes will look at your answers, ask suitable insurers for quotes and contact you with options.\"\n\nStep 3 of 4: What PI covers. A summary shown before sending.\n\nWhat PI covers:\n- Claims that your professional advice or work caused a client a financial loss\n- Legal costs to defend you, even if the claim is groundless\n- Some loss of documents and unintentional breach of confidentiality, depending on the policy\n\nWhat PI does not cover:\n- Injury and property damage, usually (that is public liability). For health practitioners, PI (medical malpractice) can respond to injury caused by treatment.\n- Claims you knew might arise before you bought the policy\n- Guarantees and promises you made in writing\n\nClaims-made: PI covers claims made against you while the policy is in force, for work done after your retroactive date. If you let the policy lapse, a claim about last year's work may not be covered. Keep it running.\n\nRun-off: When you stop working or retire, run-off cover can respond to claims about past work. Some contracts require it for several years.\n\n\"This is a summary, not the policy. The policy wording decides what is covered.\"\n\nStep 4 of 4: Send. \"Add your contact details below and send your enquiry. Your answers go with it.\" \"Alex Coombes reviews every enquiry, asks insurers that suit your work for quotes, and contacts you with options. We don't give prices or quotes on this site.\"","capturedAt":"2026-11-10T01:00:48.123Z","createdAt":"2026-11-10T01:00:48.124Z","updatedAt":"2026-11-10T01:14:22.336Z","spanId":null,"contributor":null,"audiences":[{"kind":"public","createdAt":"2026-11-10T01:23:48.279Z"}],"fingerprint":"6cc2ce370c25324926cf680b217777a54ed15dc259fe263854dae7907d1caca7","revisionNo":"3","structureHash":"a18c4420af8ea23bc65e73c32b4ec914b79a108ebbceeaa33dc6926245342f9a","page":"https://lattris.com/by/2/memories/51d0b4ab-f403-4d63-b0cb-8dd501f8546f"},"links":[{"direction":"in","verb":"references","reason":"Follow when the person wants a broker to look at their clause: the enquiry is how it reaches the broker.","hash":"4b3923f89e85f56481e981e1844033b129832e5412bcf187c30f0db6b4817f53","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":"in","verb":"references","reason":"Follow when the person wants a quote: the eight questions the enquiry asks, and which answers send it to a broker for a closer look.","hash":"78a74cac0e1289c757e0fb787d81bfe35bc29313bc07320c45e8c8c730825a08","node":{"id":"2831f59c-f892-408c-9b1f-13c309b607d3","handle":"2831","type":"note","title":"Professional indemnity insurance for your work (piinsurance.com.au/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/2831f59c-f892-408c-9b1f-13c309b607d3?links=1","fingerprint":"60edb98f1335bde60b7ed18a3e98becb3dafdd3aa469c29bb92480340d7e4cf1","revisionNo":"2","structureHash":"8a6430d6b43d688feb6e74719ecb9430593dd7d2587ea36c7e1c5f63efcd036c","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/2831f59c-f892-408c-9b1f-13c309b607d3"}},{"direction":"in","verb":"references","reason":"Follow when the person wants a quote: the eight questions the enquiry asks, and which answers send it to a broker for a closer look.","hash":"d73eebf4409cbedd5f442dc573f6587827f1b87db786cc579e893a891c2ce66f","node":{"id":"7f4262d2-1bd7-44de-a358-cbe4cf1593ca","handle":"7f42","type":"note","title":"Site map: piinsurance.com.au (preview)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/7f4262d2-1bd7-44de-a358-cbe4cf1593ca?links=1","fingerprint":"8ef731f9760d7162eda5fac5ee7a2efe73471a8c28c7298f02072223da778944","revisionNo":"2","structureHash":"4ac6beeafaf29e53231ec46d7ecfbbbf0f41d6f134b9bc8bc1039b98b2244731","intent":"recipe","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/7f4262d2-1bd7-44de-a358-cbe4cf1593ca"}},{"direction":"in","verb":"references","reason":"Follow for the enquiry itself: all eight questions, the higher-risk work listed for each group, and every answer that sends it to a broker.","hash":"8f4879b54192ed8d3e8c09a47ec684c514f8a25cf0a61160abf9b1a53d9eddc0","node":{"id":"90693511-a90b-4d31-ac08-ffc15e5f1195","handle":"9069","type":"note","title":"Getting a quote: why the site gives no price, what the enquiry asks, and what sends it to a broker","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/90693511-a90b-4d31-ac08-ffc15e5f1195?links=1","fingerprint":"06a0661e547d0ae02bf8c64286558457b77887c730fbfe617be5e30d3cbe1753","revisionNo":"2","structureHash":"02f0ad5b29e787f7bfd5d5215b75ea0728c5e825ce18b6374573d96b40719de6","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/90693511-a90b-4d31-ac08-ffc15e5f1195"}}],"dictionary":{"lattris":"A personal knowledge base — how a person captures what they know as linked blocks they own and control. 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