{"node":{"id":"910b929d-9c58-4065-aef0-e394e6be99a6","handle":"910b","type":"note","authorName":"PI Insurance","intent":"learning","title":"PI insurance for real estate agents (piinsurance.com.au/real-estate-agents/)","aiSummary":null,"content":"PI for real estate agents covers claims that a listing, appraisal or transaction error cost a buyer, seller or landlord money. Check whether your state or industry body sets a minimum.\n\nSource: https://piinsurance.com.au/real-estate-agents/, fetched from the preview https://pi-react-4ee768.pages.dev/real-estate-agents/ on 10 Nov 2026; site dated 3 Nov 2026. Preview wording, not yet broker-reviewed. General information, not advice.\n\nSite label: Check your state and industry body.\n\n## Why you need it: state rules and clients\n\nRules differ by state, and industry bodies may have their own membership rules. Check whether your state or professional body sets a minimum; we can confirm it for you. Buyers, sellers and landlords can also bring claims, which is why many agencies hold PI.\n\n## Typical limits\n\n$1m to $2m for most agencies, more for large commercial sales.\n\n## What can go wrong\n\nIllustrative scenarios, not real claims.\n\n### A misdescribed property\n\nA listing says a granny flat is approved. It is not, and the buyer claims the cost of approval from the agency.\n\n### A deposit paid to a scammer\n\nA buyer is emailed fake bank details that look like yours. They claim the lost deposit.\n\n## Common exclusions to watch\n- Trust account shortfalls from dishonesty\n- Cyber fraud unless covered or added\n- Fines\n- Strata management unless declared\n\nWording differs between policies. Read the policy wording, or ask us to point out what it says.\n\n## Types of real estate agents\n\n### Property managers\n\nSee the property managers page. Property managers.\n\n### Strata managers\n\nSee the strata managers page. Strata managers.\n\n### Buyers agents\n\nSee the buyers agents page. Buyers agents.\n\n### Auctioneers\n\nUsually covered on the agency policy. Tell the insurer.\n\n## Common questions\n\n### Do real estate agents need professional indemnity insurance?\n\nRules differ by state, and industry bodies may have their own membership rules. Check whether your state or professional body sets a minimum; we can confirm it for you. Buyers, sellers and landlords can also bring claims, which is why many agencies hold PI.\n\n### How much PI cover do real estate agents need?\n\n$1m to $2m for most agencies, more for large commercial sales.","capturedAt":"2026-11-10T01:01:08.773Z","createdAt":"2026-11-10T01:01:08.773Z","updatedAt":"2026-11-10T01:01:08.773Z","spanId":null,"contributor":null,"audiences":[{"kind":"public","createdAt":"2026-11-10T01:23:55.227Z"}],"fingerprint":"cba820d62b58466d32a663111dc323aa6787b09933de58a3db3cae9c761660a6","revisionNo":"1","structureHash":"f0b4e12f8c4f2d583ce71b05f295093e6c21e0cf8153d35f25e90d337acd6993","page":"https://lattris.com/by/2/memories/910b929d-9c58-4065-aef0-e394e6be99a6"},"links":[{"direction":"out","verb":"references","reason":"Follow when the person's client has complained or threatened to sue.","hash":"67e6ed5991b80b898825c2aa231edff96fe83803289bb4e3a320a276abfbcae3","node":{"id":"336d6f2e-1926-4df6-9677-aba43b727b49","handle":"336d","type":"note","title":"A client is threatening to sue. 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