@Nat, 1. average PI premium cost is very different to 15k average cost of 1yr run off cover. 2. Dealer Groups provide a valuable aggregation service that Adviser's may want to pay for. If you pay $40 k pa consider yourself lucky, there are plenty paying well above this rate. Also the skills in the Dealer team help keep dumbass commentators out of trouble by understanding and educating on the basics - like what PI run off is.