Gary.

Gary’s guides

The fine print, read for you.

We read published Australian policy wordings end to end and write down what they ask of you, with the clause and the source beside it. General information only; the PDS for your own cover is always the document that counts.

A 1970s computer terminal glowing red with a ransom screenInteractive · 4 minutes

The Monday Morning Test

How claim-ready are your cyber habits?

Ten decisions over one bad week, scored against real policy wordings. Find out which of five types you are, and share it.

Take the test
A sealed envelope pushing through an office mail slotInteractive · 4 minutes

The Friday Letter Test

How claim-ready are your PI habits?

Ten decisions from the proposal to a letter of demand, scored against real policy wordings. Find out which of five types you are, and share it.

Take the test
An old wooden pigeonhole sorting cabinet with index cards filed into its slotsQuiz · 4 minutes

The PI vs Public Liability Quiz

PI or public liability? Test yourself.

Twelve things go wrong in one week. Is each one professional indemnity, public liability, both or neither? Answer, and see what the wordings say.

Take the quiz
Gary reading a thick cyber insurance policy wording through a magnifying glass

Cyber · 16 min read · updated 25 Sept 2026

Cyber insurance conditions: staying on the right side of your policy

The conditions in real cyber wordings that decide whether a claim is paid: what you told the insurer, the controls you keep up, and what to do in the first hour.

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Gary at a meeting table pointing to a clause in a consultant’s contract

Professional indemnity · 15 min read · updated 25 Sept 2026

Professional indemnity conditions: staying on the right side of your policy

Claims-made cover, notifying circumstances, the services you declared and the contracts you sign: the conditions in real PI wordings that decide a claim.

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Brass balance scales holding a yellow hard hat on one side and a fountain pen on a letter on the other

Business · 13 min read · updated 25 Sept 2026

Professional indemnity vs public liability: what’s the difference?

One covers the advice, the other covers the accident. What each is built for, where they overlap, and the gaps that neither one fills, from real wordings.

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