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A tenant’s business insurance should not be assumed to protect the commercial property owner’s building, rental income or liability. Landlords need to establish who insures each asset, whose interests are protected and how the policies align with the lease. This matters whether you own a warehouse, retail shop, office building, medical suite or mixed-use investment property. A tenant may provide a certificate showing substantial public liability cover. That document alone doe

Cyber Insurance and Professional Indemnity Insurance protect different business risks. A business may need one, the other, or both—particularly if it provides professional services and stores client information digitally. The simple distinction is: Professional Indemnity Insurance may protect against claims that your professional advice, services, errors or omissions caused a client financial loss. Cyber Insurance may protect against losses arising from cyber attacks, data br

Consultants should consider Professional Indemnity Insurance when clients rely on their advice, expertise, reports, strategies, recommendations or specialist services. Whether you are a business consultant, management consultant, IT consultant, marketing consultant, HR consultant, project consultant or independent contractor, your work can influence a client’s financial decisions and commercial outcomes. If a client alleges that your advice, omission or service caused them fi

You may need Professional Indemnity Insurance if clients rely on your advice, expertise, reports, designs, recommendations or professional services. PI Insurance is not compulsory for every Australian business. However, it may be required by a regulator, licence, professional body, employer, client contract or tender condition. Even where it is not mandatory, it can be important for businesses that could face a claim alleging their work caused a client financial loss. Profess

Yes. You can usually change Professional Indemnity Insurance providers, often at renewal and sometimes during a policy period. However, changing PI insurers should be handled carefully because Professional Indemnity Insurance is commonly claims-made cover. The most important issue is not simply obtaining a lower premium. It is ensuring that your new policy protects the professional work you completed in the past and that you do not create a gap in cover. Before switching, con

A Professional Indemnity Insurance Certificate of Currency is a document that confirms your PI policy is current and in force on the date the certificate is issued. It is commonly requested by clients, government bodies, licensing authorities, professional associations, head contractors and tender panels before they engage a professional business. A Certificate of Currency is evidence that you hold active insurance. It is not the full policy wording and does not replace revie