# How Protected Are You Using a Property Advisor?

Page: https://stenobird.com/podcast/the-elephant-in-the-room-property-podcast-inside-australian-real-estate-1140810/how-protected-are-you-using-a-property-advisor
Text version: https://stenobird.com/podcast/the-elephant-in-the-room-property-podcast-inside-australian-real-estate-1140810/how-protected-are-you-using-a-property-advisor.md
Podcast: [The Elephant In The Room Property Podcast | Inside Australian Real Estate](https://stenobird.com/podcast/the-elephant-in-the-room-property-podcast-inside-australian-real-estate-1140810)
Published: 2026-04-26T20:00:00+00:00
Episode link: https://www.theelephantintheroom.com.au/podcasts/434
Audio file: https://episodes.captivate.fm/episode/4ef41137-118c-4ec1-8f4b-3b0a4638b101.mp3
Processing state: not_requested
JSON: https://stenobird.com/v1/public/podcasts/the-elephant-in-the-room-property-podcast-inside-australian-real-estate-1140810/episodes/how-protected-are-you-using-a-property-advisor
Duration seconds: 3266

## Resource

When you hire a property advisor, there’s an assumption built into that decision: you’re getting expertise, guidance, and some level of protection if things go wrong. But how much of that protection actually exists—and where does it break down? In this episode, we unpack the role of Professional Indemnity (PI) insurance in property advice, and what it really tells you about accountability, risk, and the quality of advice you’re relying on. Joining us is Polina Kesov, an insurance specialist with over two decades of experience working behind the scenes on claims, risk, and policy structures. Together, we explore the blurred line between “execution” and “advice,” why many buyer’s agents and property investment advisors may not be properly covered for the services they’re offering, and how something as simple as a policy exclusion can leave both advisors and clients exposed. We also dive into why claims in property advice are so rare—not because everything is working, but because proving loss is complex, delayed, and often not actionable. From cookie-cutter strategies and disclaimers to the growing use of AI in advice, this episode breaks down the structural gaps that most investors never see until it’s too late. If you’re relying on professional guidance to make high-stakes property decisions, this conversation will change how you assess risk. Because in property, it’s not just about whether the investment performs—it’s about what happens if the advice behind it doesn’t. Episode Highlights 04:17 — Can Property Advisors Actually Get Covered? 06:01 — What Makes a Property Advice Claim Valid? 09:25 — Repeat Offenders and the Lack of Transparency 11:42 — Marketing Hype vs Where Advice Crosses the Line 16:10 — How Claims Impact Insurance Renewals 21:01 — Real Claims Against B…

## Actions

- request_transcript: `POST https://stenobird.com/v1/public/podcasts/the-elephant-in-the-room-property-podcast-inside-australian-real-estate-1140810/episodes/how-protected-are-you-using-a-property-advisor/transcription-requests` — Idempotently request low-priority transcript generation for this episode.
- read_markdown: `GET https://stenobird.com/podcast/the-elephant-in-the-room-property-podcast-inside-australian-real-estate-1140810/how-protected-are-you-using-a-property-advisor.md` — Read the agent-friendly Markdown representation of this episode resource.

A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed.

## Transcript

Full transcripts are not published on public pages unless there is a clear rights basis.