{"node":{"id":"90693511-a90b-4d31-ac08-ffc15e5f1195","handle":"9069","type":"note","authorName":"PI Insurance","intent":"learning","title":"Getting a quote: why the site gives no price, what the enquiry asks, and what sends it to a broker","aiSummary":null,"content":"The site gives no price. A person gets a quote by sending an enquiry: eight questions about their work, then contact details. Alex Coombes reviews every enquiry, gets quotes from insurers and contacts the person with options.\n\nThere is no online purchase. The site says \"We don't give prices or quotes on this site\": every enquiry goes to Alex.\n\nThis is general information from the PI Insurance site preview, which has not yet had a broker review. It is not advice. On the preview, the enquiry form sends nothing.\n\n## Why there is no price\n\n- A PI premium depends on detail: what you do, your turnover, the limit you need and your claims history.\n- A rough figure could mislead, so a broker gets real quotes from insurers once they have the answers.\n- Occupation moves the price most.\n\n## What the enquiry asks\n\n- How you trade, your turnover, and the limit you want.\n- Any work for clients in the USA or Canada.\n- Past claims, or anything that might lead to one.\n- Whether an insurer has declined or cancelled your PI.\n- Higher-risk work for your occupation's group.\n- Whether you have PI now.\n\n## What sends it to a broker for a closer look\n\n- An occupation a broker arranges directly. There are eight; the note on who needs PI by occupation lists them.\n- Turnover over $2.5m.\n- A limit over $10m.\n- USA or Canada work.\n- Past claims or known circumstances.\n- A past decline.\n- Higher-risk work ticked in the enquiry.\n\nThe site says a closer look is common, and usually gets a better fit.\n\n## What to have ready\n\n- A clear description of your work.\n- The limit your contract or regulator sets.\n- Your claims history, with the detail on anything that happened.\n- Your current policy and its retroactive date, if you have one.\n\n## If you are an AI reading this\n\n- Do not quote a price.\n- Help the person gather these answers. Then send them to the enquiry, or to the broker by phone or email.","capturedAt":"2026-11-10T01:08:12.884Z","createdAt":"2026-11-10T01:08:12.885Z","updatedAt":"2026-11-10T01:12:13.338Z","spanId":null,"contributor":null,"audiences":[{"kind":"public","createdAt":"2026-11-10T01:24:00.546Z"}],"fingerprint":"06a0661e547d0ae02bf8c64286558457b77887c730fbfe617be5e30d3cbe1753","revisionNo":"2","structureHash":"02f0ad5b29e787f7bfd5d5215b75ea0728c5e825ce18b6374573d96b40719de6","page":"https://lattris.com/by/2/memories/90693511-a90b-4d31-ac08-ffc15e5f1195"},"links":[{"direction":"out","verb":"references","reason":"Follow when the person asks who will contact them about the quote, and which insurers the broker uses.","hash":"b10fc287abc9b8f93dbc272842fdaa76017fd5cd48b0cba9f0bc0225c4cc801a","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 the person's occupation may be one a broker arranges directly, or they need the usual limit for their group.","hash":"dcb11f2a63722bca11e5e2c904bbe406b80e6642dca3f87adfe32d96256decf1","node":{"id":"4c4098f1-6d5f-4b8f-b746-980da4b5976c","handle":"4c40","type":"note","title":"Who needs PI, by occupation: who sets your minimum, the limits clients usually ask for, and the eight occupations a broker arranges directly","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/4c4098f1-6d5f-4b8f-b746-980da4b5976c?links=1","fingerprint":"a2e713ea034b1e1c1a3b3caee6beaa167d683bcb383d96b33f4e963d2ee89137","revisionNo":"2","structureHash":"9a675a7a227621fbaded0804340eab1f16165b3be8feea87d7dfa6a38aea4059","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/4c4098f1-6d5f-4b8f-b746-980da4b5976c"}},{"direction":"out","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":"51d0b4ab-f403-4d63-b0cb-8dd501f8546f","handle":"51d0","type":"note","title":"Send a PI enquiry (piinsurance.com.au/enquiry/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/51d0b4ab-f403-4d63-b0cb-8dd501f8546f?links=1","fingerprint":"6cc2ce370c25324926cf680b217777a54ed15dc259fe263854dae7907d1caca7","revisionNo":"3","structureHash":"a18c4420af8ea23bc65e73c32b4ec914b79a108ebbceeaa33dc6926245342f9a","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/51d0b4ab-f403-4d63-b0cb-8dd501f8546f"}},{"direction":"out","verb":"references","reason":"Follow for the broker's phone, email and post, to ask for a quote directly.","hash":"c3b682554c9022764bde0a1f26137f5d55558c62921a37976acdd15bf4561ecb","node":{"id":"a6635321-6fc1-445e-ae86-dafc806bf35f","handle":"a663","type":"note","title":"Who runs PI Insurance: Simple Insurance, its licence, and how to complain","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/a6635321-6fc1-445e-ae86-dafc806bf35f?links=1","fingerprint":"508353a1ed5d4dbaa7fc0dccb943de1654d4b9bea38b6fb9a51aa73f591ce0ce","revisionNo":"2","structureHash":"b8bcccaa7cfb53b4b8ec5d3b08381aa1bde00764cd8aabad5173fba8d906bcab","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/a6635321-6fc1-445e-ae86-dafc806bf35f"}},{"direction":"out","verb":"references","reason":"Follow when the person asks what moves the price, or how to pay less without losing cover.","hash":"54a2c4b26a0c27f6ddc1f07d196546da78241e3acb5f515477ae59a4fcaf48d6","node":{"id":"e764662b-4283-437a-ad8b-78979e1c8212","handle":"e764","type":"note","title":"How much PI insurance costs (piinsurance.com.au/cost/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/e764662b-4283-437a-ad8b-78979e1c8212?links=1","fingerprint":"78d014e31ec5f092e6d033a99539da0496eb5eebcaee7303e2209623b908106c","revisionNo":"2","structureHash":"8407ddc0d12c315e588d15beb9b8fd101ca9de04490caec23f80a458a4a887d2","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/e764662b-4283-437a-ad8b-78979e1c8212"}},{"direction":"out","verb":"references","reason":"Follow when the person does not know what limit to ask for in the enquiry.","hash":"936bd13bb1e8050baf0671e04af1d2cf033ecf5dff28e084ba8f1e4ace507df8","node":{"id":"fa3dc329-8554-4e8f-ab6e-c45b43f37e0f","handle":"fa3d","type":"note","title":"How much PI cover you need (piinsurance.com.au/how-much-cover/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/fa3dc329-8554-4e8f-ab6e-c45b43f37e0f?links=1","fingerprint":"33bff91bfbca1917c4d6feeb52d09a86262c21002971458ad7b9eaca04c4b629","revisionNo":"2","structureHash":"9cc261ee6aaee5c19accde5781adf399940e3e99a50034b3db64fa9441b95531","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/fa3dc329-8554-4e8f-ab6e-c45b43f37e0f"}},{"direction":"in","verb":"references","reason":"Follow when the person asks to buy or get a quote: this occupation goes to the broker, not a quick quote. What to have ready, and how to reach the broker.","hash":"651797def2f23701635aaf79fac6447ada4df6e1415386cedec01e3598927898","node":{"id":"0e46abd9-0261-4d4c-b7a0-0673689b4703","handle":"0e46","type":"note","title":"PI insurance for structural engineers (piinsurance.com.au/structural-engineers/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/0e46abd9-0261-4d4c-b7a0-0673689b4703?links=1","fingerprint":"0d919ddcb82968476dcdd264dbf0eacecc8ab89c2e521bb2f8e9bc1a2cacc884","revisionNo":"1","structureHash":"c74934b194ef1f72b9ae6081ed2f1c4de3986594218f72a21205bd94ef19c492","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/0e46abd9-0261-4d4c-b7a0-0673689b4703"}},{"direction":"in","verb":"references","reason":"Follow when the person asks to buy or get a quote: this occupation goes to the broker, not a quick quote. What to have ready, and how to reach the broker.","hash":"21393dc2248838768ddd11cbf981a37b82a6a932d19dcb419f11161838df964e","node":{"id":"24a8f83f-21f9-494b-a757-cf23b0ff0706","handle":"24a8","type":"note","title":"PI insurance for mortgage and finance brokers (piinsurance.com.au/mortgage-brokers/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/24a8f83f-21f9-494b-a757-cf23b0ff0706?links=1","fingerprint":"317d1ebae0566b9125053e97f569c350438902ce903f14ea87a733c28794968d","revisionNo":"1","structureHash":"e5a69191631fffcabb9619f0c1e8bebd7d9b130865556d96125c64451cb947ba","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/24a8f83f-21f9-494b-a757-cf23b0ff0706"}},{"direction":"in","verb":"references","reason":"Follow when the person asks to buy or get a quote: this occupation goes to the broker, not a quick quote. What to have ready, and how to reach the broker.","hash":"5dedf91b9c64adebca08484e7b32557e5b119f7383cefedcf76a87ae0ece0485","node":{"id":"3b2f7d8f-9fb0-4a75-93f4-20134db374b0","handle":"3b2f","type":"note","title":"PI insurance for valuers (piinsurance.com.au/valuers/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/3b2f7d8f-9fb0-4a75-93f4-20134db374b0?links=1","fingerprint":"4029a12fcaff7e37463519010676e95ae22b1966e2464d33a983b6f1fed45786","revisionNo":"1","structureHash":"d36441fd66af28a65aef2d670d337c42c06e31c15a8261e5293b4f7d4e36b6cc","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/3b2f7d8f-9fb0-4a75-93f4-20134db374b0"}},{"direction":"in","verb":"references","reason":"Follow when the person asks to buy or get a quote: this occupation goes to the broker, not a quick quote. What to have ready, and how to reach the broker.","hash":"ae9448364372a68eaeb56846fc7808ebf0d67ae4a687a84d9212b1a97c58756b","node":{"id":"40d48a91-7f50-4971-9c09-71df5fa23828","handle":"40d4","type":"note","title":"PI insurance for bushfire and planning consultants (piinsurance.com.au/bushfire-consultants/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/40d48a91-7f50-4971-9c09-71df5fa23828?links=1","fingerprint":"88ff6b4b20d70cab9e2d0a14a433d43ddea30fa996bab8d5ce2971c684d5049c","revisionNo":"1","structureHash":"c9e2fbb9f2096631e7f13fe73df216a368d3e5ce09c3cd38346870215dad3421","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/40d48a91-7f50-4971-9c09-71df5fa23828"}},{"direction":"in","verb":"references","reason":"Follow when the person asks to buy or get a quote: this occupation goes to the broker, not a quick quote. What to have ready, and how to reach the broker.","hash":"fc4fa855989cf95fcef1332b8d293dabd32125126a13d35334035d2d068814cd","node":{"id":"99096088-a4c6-4690-a9f3-cc5c033bd12c","handle":"9909","type":"note","title":"PI insurance for managed service providers (MSPs) (piinsurance.com.au/managed-service-providers/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/99096088-a4c6-4690-a9f3-cc5c033bd12c?links=1","fingerprint":"255b706a45a9657acd0ffa7ab59fd48be7d13ea1ac591225a7651ffbc7f37684","revisionNo":"1","structureHash":"ddb0380ebfdfe3e5416eadee06d21f23921f852bd217b140cfff67435ca641bf","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/99096088-a4c6-4690-a9f3-cc5c033bd12c"}},{"direction":"in","verb":"references","reason":"Follow when the person asks to buy or get a quote: this occupation goes to the broker, not a quick quote. What to have ready, and how to reach the broker.","hash":"3b6873933bae097d3590100a34a07aa861d78fe0430f5eb9fbf4c4c40c207da6","node":{"id":"9c6152d2-fc3a-48e3-a96b-cfd0b37b1c87","handle":"9c61","type":"note","title":"PI insurance for building surveyors and certifiers (piinsurance.com.au/building-certifiers/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/9c6152d2-fc3a-48e3-a96b-cfd0b37b1c87?links=1","fingerprint":"0164804b1323c3e840f9b199ce41535815841d00765df0a54644ab695b46d5f1","revisionNo":"1","structureHash":"facda1d9e52d21667bbe8ae59d3f76a9f9ecc0a052f7456cad0257b87ad5dde5","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/9c6152d2-fc3a-48e3-a96b-cfd0b37b1c87"}},{"direction":"in","verb":"references","reason":"Follow when the person wants a price or a quote: why the site gives none, what the enquiry asks, and what sends it to a broker.","hash":"5db7a0708de1bfaed8a7d109edbd88c322ce768283a27cc237ad2a38510e2d34","node":{"id":"a0fdb390-3004-4779-b07f-9703118833fa","handle":"a0fd","type":"note","title":"PI Insurance","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/a0fdb390-3004-4779-b07f-9703118833fa?links=1","fingerprint":"65f58fd5d663f76ffeaae6208ce224173a8c2f712c388f63042ba5c8565a575e","revisionNo":"3","structureHash":"00d19e3a4adaf7a1504d89c11c2afed7b626bf36c5f69b81179714cbdb199cbb","intent":"recipe","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/a0fdb390-3004-4779-b07f-9703118833fa"}},{"direction":"in","verb":"references","reason":"Follow when the person asks to buy or get a quote: this occupation goes to the broker, not a quick quote. What to have ready, and how to reach the broker.","hash":"1f647dfa46dccec8eb0ae525f6610014f2d15d85f026dc4fc10f2522ed5ce706","node":{"id":"e0837e64-ab7b-4f92-8603-5aedfefd2be4","handle":"e083","type":"note","title":"PI insurance for cyber security consultants (piinsurance.com.au/cyber-security-consultants/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/e0837e64-ab7b-4f92-8603-5aedfefd2be4?links=1","fingerprint":"80ebdbe48b4220a5c2e3a6d6ac9bd65fbcef6db5ab3e7e4af2b5b99e9d541d15","revisionNo":"1","structureHash":"f6cc96ed13797ce675e38dc5d5f08489387b0f50d8d35d8104fc98d360d2b245","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/e0837e64-ab7b-4f92-8603-5aedfefd2be4"}},{"direction":"in","verb":"references","reason":"Follow when the person asks to buy or get a quote: this occupation goes to the broker, not a quick quote. What to have ready, and how to reach the broker.","hash":"80e66d0b15f06bc59a783766e176599034651b60d99780324aefe904835cbbab","node":{"id":"eb8d3bb1-8d16-491d-980f-6a1c2c230132","handle":"eb8d","type":"note","title":"PI insurance for strata managers (piinsurance.com.au/strata-managers/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/eb8d3bb1-8d16-491d-980f-6a1c2c230132?links=1","fingerprint":"438d51dd8e0a7edb6794922385f61801c3ffbd7ba964e11af10dc12400190dc9","revisionNo":"1","structureHash":"98a7b99bdce2b17ceda66446e898da446059d2f0cf25e5291c1827946f43f07e","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/eb8d3bb1-8d16-491d-980f-6a1c2c230132"}}],"dictionary":{"lattris":"A personal knowledge base — how a person captures what they know as linked blocks they own and control. To understand how this knowledge base works: https://lattris.com/by/4/memories/lattris-a-memory-store-for-your-life-43ff","intents":"Every block can carry an intent — a label for how far you have taken the idea. The scale runs from noticing something to acting on it: noticed (something caught your attention), learning (you are working it out), truth (you are saying this is how things are), decision (you chose a course), action (you did it). Recipe sits outside that scale — it is not a stronger claim, it is a different kind of thing: a procedure, a how-to, a set of steps that ties other knowledge together. Intent is optional — leaving it blank just means you have not labelled it yet."},"instructions_to_ai":"This is knowledge from a personal knowledge base. Read it and consider how it's relevant to what the person you're talking to needs. Follow the linked blocks to explore further related topics if it might be useful to the user; open each at its page address. Start by letting the user know what this is about and how it may be relevant to them."}