{"node":{"id":"ec7d9897-ad46-4b50-bef6-96df36a55492","handle":"ec7d","type":"note","authorName":"PI Insurance","intent":"learning","title":"PI insurance for IT support and technicians (piinsurance.com.au/it-support/)","aiSummary":null,"content":"PI for IT support businesses and technicians covers claims that your advice or work cost a client money. If you work on site, pair it with public liability.\n\nSource: https://piinsurance.com.au/it-support/, fetched from the preview https://pi-react-4ee768.pages.dev/it-support/ 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\nBusiness clients often ask for PI in the contract. If you work on site, install hardware or visit homes, they will usually ask for public liability as well, because PI does not cover injury or damage to property.\n\n## Typical limits\n\n$1m to $2m PI. Onsite work usually needs public liability too, often $10m to $20m.\n\n## What can go wrong\n\nIllustrative scenarios, not real claims.\n\n### A reset that wiped a laptop\n\nYou reset a laptop to fix a fault and the owner's files are lost. The client claims the cost of recovering them.\n\n### A network set up without backups\n\nYou set up a small office network and leave backups switched off. A drive fails and the client claims the lost work.\n\n## Common exclusions to watch\n- Bodily injury or property damage (that is public liability)\n- Hardware faults and warranty claims\n- Attacks on your own systems (that is cyber cover)\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 IT support and technicians need professional indemnity insurance?\n\nBusiness clients often ask for PI in the contract. If you work on site, install hardware or visit homes, they will usually ask for public liability as well, because PI does not cover injury or damage to property.\n\n### How much PI cover do IT support and technicians need?\n\n$1m to $2m PI. Onsite work usually needs public liability too, often $10m to $20m.\n\n### Do I need public liability as well?\n\nUsually yes, if you work on site. PI covers financial loss from your advice or work. Public liability covers injury to people and damage to property, such as a cable someone trips on or a monitor you drop.","capturedAt":"2026-11-10T01:00:58.896Z","createdAt":"2026-11-10T01:00:58.897Z","updatedAt":"2026-11-10T01:00:58.897Z","spanId":null,"contributor":null,"audiences":[{"kind":"public","createdAt":"2026-11-10T01:23:51.619Z"}],"fingerprint":"b9ff673ebef135477faa6a2bc8a2b76b120d45cf64f86ae087d2b3450983aff5","revisionNo":"1","structureHash":"828ae7e586bc60086d4b995eca51bea32b86c629d6228c5194b5ad4d3efb23cd","page":"https://lattris.com/by/2/memories/ec7d9897-ad46-4b50-bef6-96df36a55492"},"links":[{"direction":"out","verb":"references","reason":"Follow when the person's client has complained or threatened to sue.","hash":"cfb6763099ef9b58c33ec3d9cfe77e8ef5fb306bc6ef86b0a2c47440fa3a6934","node":{"id":"336d6f2e-1926-4df6-9677-aba43b727b49","handle":"336d","type":"note","title":"A client is threatening to sue. What should I do? 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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. 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