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Plus, i don't have any assets at the moment, so i'm not particularly bothered about getting sued.
The basic fundamental is that if you are not prepared to afford your client who you are supposed to care about some level of protection then I think you are being very selfish. PI is for the common good and I think the Victorian legistalation where it is a legal requirement is a good thing. At least it gets rid of the back yarders and lets those of us trying to do the right thing make a living
In saying this I don't believe you need to insure up to the hilt. PII is not a substitute for competency....................
Don't worry I can also say and do dumb things !!!