{"node":{"id":"e764662b-4283-437a-ad8b-78979e1c8212","handle":"e764","type":"note","authorName":"PI Insurance","intent":"learning","title":"How much PI insurance costs (piinsurance.com.au/cost/)","aiSummary":null,"content":"There is no single price for PI. Occupation matters most, then turnover, the limit you choose and your claims history. A broker gets real quotes from insurers once they have your answers.\n\nSource: https://piinsurance.com.au/cost/, fetched from the preview https://pi-react-4ee768.pages.dev/cost/ on 10 Nov 2026; site dated 3 Nov 2026. Preview wording, not yet broker-reviewed. General information, not advice.\n\n## Key points\n- There is no single price: occupation matters most.\n- Turnover, the limit you choose and your claims history also move the price.\n- Describe your work accurately and keep cover continuous.\n\n## What moves the price\n- **Occupation.** Design and property work usually costs more than consulting or bookkeeping, because claims are larger and arrive later.\n- **Turnover or fees.** More work means more chances for a claim.\n- **Limit.** A higher limit costs more, though doubling the limit often costs less than double.\n- **Claims history and US or Canada work.** Either can change the price or the insurer.\n- **Excess.** A higher excess lowers the premium a little.\n\n## Ways to pay less without losing cover\n- Describe your work accurately. Vague descriptions get priced as the riskiest version.\n- Know the minimum your contract or regulator sets. That is a floor, not a target: your work may call for more. How to choose a limit.\n- Keep cover continuous so you do not lose your retroactive date.\n\n## Common questions\n\n### Is PI tax deductible?\n\nFor most businesses PI premiums are a deductible business expense. Check with your accountant.\n\n### Can I pay monthly?\n\nMany insurers allow monthly payments, sometimes at a small extra cost.","capturedAt":"2026-11-10T01:00:44.801Z","createdAt":"2026-11-10T01:00:44.802Z","updatedAt":"2026-11-10T01:14:14.335Z","spanId":null,"contributor":null,"audiences":[{"kind":"public","createdAt":"2026-11-10T01:23:47.308Z"}],"fingerprint":"78d014e31ec5f092e6d033a99539da0496eb5eebcaee7303e2209623b908106c","revisionNo":"2","structureHash":"8407ddc0d12c315e588d15beb9b8fd101ca9de04490caec23f80a458a4a887d2","page":"https://lattris.com/by/2/memories/e764662b-4283-437a-ad8b-78979e1c8212"},"links":[{"direction":"out","verb":"references","reason":"Follow when the person wants to lower the premium by changing the limit: how to choose a limit first.","hash":"224dbd11bd513e2deceae3481d4317e034968c3775013e5946f860f6ff0f6c16","node":{"id":"fa3dc329-8554-4e8f-ab6e-c45b43f37e0f","handle":"fa3d","type":"note","title":"How much PI cover you need 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