{"node":{"id":"e0837e64-ab7b-4f92-8603-5aedfefd2be4","handle":"e083","type":"note","authorName":"PI Insurance","intent":"learning","title":"PI insurance for cyber security consultants (piinsurance.com.au/cyber-security-consultants/)","aiSummary":null,"content":"PI for cyber security consultants is arranged by a broker, because insurers want to understand your testing and advice work first.\n\nSource: https://piinsurance.com.au/cyber-security-consultants/, fetched from the preview https://pi-react-4ee768.pages.dev/cyber-security-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 require PI because security advice and testing carry larger potential losses.\n\n## Typical limits\n\n$2m to $10m.\n\nInsurers look closely at this work, so a broker arranges it with you directly. That usually means a better fit, not a harder time.\n\n## Work that gets a closer look\n- **Insurers differ on this work.** Some insurers decline cyber security work and others are comfortable with it. It depends on what you do and who you do it for, so a broker matches you to the right one.\n\n## What can go wrong\n\nIllustrative scenarios, not real claims.\n\n### A test that took systems down\n\nA penetration test crashes a production server during trading hours.\n\n### An audit that missed a gap\n\nA breach exploits a gap your review missed and the client claims response costs.\n\n## Common exclusions to watch\n- Testing without written authority\n- Your own systems (cyber)\n- Guarantees of security\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 cyber security consultants need professional indemnity insurance?\n\nClients require PI because security advice and testing carry larger potential losses.\n\n### How much PI cover do cyber security consultants need?\n\n$2m to $10m.","capturedAt":"2026-11-10T01:00:45.646Z","createdAt":"2026-11-10T01:00:45.646Z","updatedAt":"2026-11-10T01:00:45.646Z","spanId":null,"contributor":null,"audiences":[{"kind":"public","createdAt":"2026-11-10T01:23:47.627Z"}],"fingerprint":"80ebdbe48b4220a5c2e3a6d6ac9bd65fbcef6db5ab3e7e4af2b5b99e9d541d15","revisionNo":"1","structureHash":"f6cc96ed13797ce675e38dc5d5f08489387b0f50d8d35d8104fc98d360d2b245","page":"https://lattris.com/by/2/memories/e0837e64-ab7b-4f92-8603-5aedfefd2be4"},"links":[{"direction":"out","verb":"references","reason":"Follow when the person's client has complained or threatened to sue.","hash":"ad8e1aabf492e468e221384fd5a4e3f16220f07d4e3ff1686e8ace120653b147","node":{"id":"336d6f2e-1926-4df6-9677-aba43b727b49","handle":"336d","type":"note","title":"A client is threatening to sue. 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The page says what insurers look at closely, and the usual limit.","hash":"9873e6066d5a2d5f4fe9ae0c767082453c8d5f2f83c47212667639a0928391e6","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":"in","verb":"references","reason":"Follow when the person's work is closer to the page for cyber security consultants, or they do both: its limits, examples and 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