{
  "profile": {
    "id": "audit_60u17a",
    "generatedAt": "2026-08-21T14:52:22.305Z",
    "input": {
      "kind": "company_name",
      "value": "Calder Electrical Services Ltd"
    },
    "company": {
      "companyNumber": {
        "value": "10938471",
        "source": "companies_house",
        "confidence": "high"
      },
      "companyName": {
        "value": "Calder Electrical Services Ltd",
        "source": "companies_house",
        "confidence": "high"
      },
      "companyStatus": {
        "value": "active",
        "source": "companies_house",
        "confidence": "high"
      },
      "incorporatedOn": {
        "value": "2017-09-05",
        "source": "companies_house",
        "confidence": "high"
      },
      "yearsTrading": {
        "value": 8,
        "source": "companies_house",
        "confidence": "high",
        "evidence": "Incorporated 2017-09-05"
      },
      "sicCodes": {
        "value": [
          "43210"
        ],
        "source": "companies_house",
        "confidence": "high",
        "evidence": "43210"
      },
      "registeredAddress": {
        "value": "17 Meanwood Road, Leeds",
        "source": "companies_house",
        "confidence": "high"
      },
      "postcode": {
        "value": "LS7 2AT",
        "source": "companies_house",
        "confidence": "high"
      },
      "officers": {
        "value": [
          {
            "name": "CALDER, James",
            "role": "director",
            "appointedOn": "2017-09-05",
            "yearsInRole": 8
          }
        ],
        "source": "companies_house",
        "confidence": "high",
        "evidence": "1 active"
      },
      "filedFixedAssets": null,
      "legalForm": {
        "value": "limited_company",
        "source": "companies_house",
        "confidence": "high"
      }
    },
    "trade": {
      "primary": {
        "value": "electrician",
        "source": "website",
        "confidence": "high",
        "evidence": "Filed SIC code 43210 and the website agree."
      },
      "secondary": null,
      "activities": {
        "value": [
          "electrical installation, full and partial rewires, consumer unit upgrades, EICR reports and",
          "landlord certificates, PAT testing, EV charger installation and commercial office fit out",
          "Calder Electrical Services, Leeds.",
          "We work for homeowners, landlords and letting agents across West Yorkshire and hold"
        ],
        "source": "website",
        "confidence": "medium"
      }
    },
    "operations": {
      "locationTypes": {
        "value": [
          "both"
        ],
        "source": "website",
        "confidence": "medium"
      },
      "workType": null,
      "heightWork": null,
      "hotWork": null,
      "premisesCount": null,
      "serviceArea": null
    },
    "people": {
      "employees": {
        "value": 1,
        "source": "transactions",
        "confidence": "low",
        "evidence": "wages running at about £35,040 a year over 12 months"
      },
      "directors": {
        "value": 1,
        "source": "companies_house",
        "confidence": "high",
        "evidence": "1 active officers filed"
      },
      "clericalOnlyDirectors": null,
      "labourOnlySubcontractors": null,
      "bonaFideSubcontractors": null,
      "directorExperienceYears": {
        "value": 8,
        "source": "companies_house",
        "confidence": "low",
        "evidence": "Years since appointment at this company only, so this is a floor rather than total industry experience"
      }
    },
    "assets": {
      "items": [
        {
          "id": "txn-1",
          "description": "Power tools from Screwfix Direct Leeds",
          "category": "power_tools",
          "purchasePrice": 940,
          "purchasedOn": "2026-01-27",
          "replacementValue": 966,
          "serialNumber": null,
          "source": "transactions",
          "evidence": "2026-01-27 · SCREWFIX DIRECT LEEDS · £940.00"
        },
        {
          "id": "txn-2",
          "description": "Power tools from Milwaukee M18 KIT",
          "category": "power_tools",
          "purchasePrice": 1320,
          "purchasedOn": "2024-11-08",
          "replacementValue": 1440,
          "serialNumber": null,
          "source": "transactions",
          "evidence": "2024-11-08 · MILWAUKEE M18 KIT · £1320.00"
        },
        {
          "id": "txn-3",
          "description": "Power tools from Screwfix Direct",
          "category": "power_tools",
          "purchasePrice": 780,
          "purchasedOn": "2023-02-21",
          "replacementValue": 925,
          "serialNumber": null,
          "source": "transactions",
          "evidence": "2023-02-21 · SCREWFIX DIRECT · £780.00"
        },
        {
          "id": "txn-4",
          "description": "Power tools from Makita UK",
          "category": "power_tools",
          "purchasePrice": 1450,
          "purchasedOn": "2021-06-09",
          "replacementValue": 1869,
          "serialNumber": null,
          "source": "transactions",
          "evidence": "2021-06-09 · MAKITA UK · £1450.00"
        },
        {
          "id": "manual-1",
          "description": "Fluke 1664FC multifunction tester",
          "category": "power_tools",
          "purchasePrice": 2150,
          "purchasedOn": "2025-07-14",
          "replacementValue": 2269,
          "serialNumber": "FLK-1664-77213",
          "source": "declared",
          "confirmed": true
        }
      ],
      "toolsTotal": {
        "value": 7469,
        "source": "transactions",
        "confidence": "high"
      },
      "plantTotal": null,
      "vehicleCount": null,
      "vehicleSignalOnly": {
        "value": true,
        "source": "transactions",
        "confidence": "high"
      }
    },
    "financials": {
      "turnoverBand": {
        "value": "100k_150k",
        "source": "transactions",
        "confidence": "high",
        "evidence": "Inflows of about £139,866 a year, from 12 months of invoice payments"
      },
      "annualPayroll": {
        "value": 35040,
        "source": "transactions",
        "confidence": "high",
        "evidence": "Run rate from 12 months of payroll"
      },
      "subcontractorSpend": null
    },
    "sourcesUsed": [
      {
        "source": "companies_house",
        "ok": true,
        "detail": "Calder Electrical Services Ltd (10938471), SIC 43210",
        "ms": 0
      },
      {
        "source": "website",
        "ok": true,
        "detail": "Reads as electrician (high confidence), accreditations: NICEIC",
        "ms": 0
      },
      {
        "source": "transactions",
        "ok": true,
        "detail": "102 rows over 16 months. payroll £35,040/yr, 4 asset purchases, insurer seen: HISCOX",
        "ms": 0
      }
    ]
  },
  "needs": [
    {
      "product": "employers_liability",
      "productName": "Employers' Liability",
      "basis": "legal",
      "level": "£10,000,000",
      "sumInsured": null,
      "statement": "Wages are going out of the ledger, so at least one person is employed. A ledger cannot show how many, so the headcount still needs confirming. The Employers' Liability (Compulsory Insurance) Act 1969 makes cover a duty from the first employee and sets the floor at £5,000,000. Most policies are written at £10,000,000.",
      "triggeredBy": [
        "people.employees"
      ],
      "confidence": "low",
      "needsConfirmation": true
    },
    {
      "product": "public_liability",
      "productName": "Public Liability",
      "basis": "exposure",
      "level": "£5,000,000",
      "sumInsured": null,
      "statement": "Covers the cost when the work injures somebody else or damages their property. Set at £5,000,000 because commercial sites normally require it in the contract.",
      "triggeredBy": [
        "trade.primary",
        "operations.locationTypes"
      ],
      "confidence": "medium",
      "needsConfirmation": true
    },
    {
      "product": "tools_materials",
      "productName": "Tools & Materials",
      "basis": "exposure",
      "level": "£7,500",
      "sumInsured": 7500,
      "statement": "Covers replacing tools that are lost, stolen or damaged. The sum insured comes from 5 registered items at today's replacement cost, which is what they would cost to buy again rather than the depreciated book value sitting in the accounts.",
      "triggeredBy": [
        "assets.items",
        "assets.toolsTotal"
      ],
      "confidence": "high",
      "needsConfirmation": false
    },
    {
      "product": "contract_works",
      "productName": "Contract Works",
      "basis": "exposure",
      "level": "£35,000",
      "sumInsured": 35000,
      "statement": "Covers redoing work that is damaged on site before it is handed over. Sized at about a quarter of annual turnover, which is a working estimate of the biggest job likely to be open at any one time.",
      "triggeredBy": [
        "trade.primary",
        "operations.workType",
        "financials.turnoverBand"
      ],
      "confidence": "high",
      "needsConfirmation": false
    },
    {
      "product": "legal_expenses",
      "productName": "Legal Expenses",
      "basis": "recommended",
      "level": null,
      "sumInsured": null,
      "statement": "Covers the legal bill when there is a dispute. Once there are staff there can be an employment tribunal, which is the most common legal expenses claim at this size of business.",
      "triggeredBy": [
        "people.employees"
      ],
      "confidence": "medium",
      "needsConfirmation": true
    }
  ],
  "gaps": [
    {
      "kind": "stale_sum_insured",
      "product": "tools_materials",
      "severity": "urgent",
      "statement": "Tools & Materials is insured for £2,500 against an indicated £7,500",
      "detail": "That is a shortfall of £5,000, about 67%, and the sum insured was last set in October 2018. Where a policy carries an average clause, a shortfall of this size can reduce every settlement by the same proportion, including partial losses well below the sum insured."
    },
    {
      "kind": "low_limit",
      "product": "public_liability",
      "severity": "attention",
      "statement": "Public Liability is held at £2,000,000 against an indicated £5,000,000",
      "detail": "A liability limit pays in full up to the limit and nothing above it, so this is not a proportional shortfall like an under-set sum insured. It is the point at which a large claim stops being covered, and the limit was last set in October 2018."
    },
    {
      "kind": "missing_cover",
      "product": "contract_works",
      "severity": "attention",
      "statement": "No Contract Works recorded",
      "detail": "Covers redoing work that is damaged on site before it is handed over. Sized at about a quarter of annual turnover, which is a working estimate of the biggest job likely to be open at any one time."
    },
    {
      "kind": "missing_cover",
      "product": "legal_expenses",
      "severity": "good",
      "statement": "No Legal Expenses recorded",
      "detail": "Covers the legal bill when there is a dispute. Once there are staff there can be an employment tribunal, which is the most common legal expenses claim at this size of business."
    }
  ],
  "existing": [
    {
      "product": "public_liability",
      "level": "£2,000,000",
      "sumInsured": null,
      "setOn": "2018-10-01"
    },
    {
      "product": "employers_liability",
      "level": "£10,000,000",
      "sumInsured": null,
      "setOn": "2019-04-01"
    },
    {
      "product": "tools_materials",
      "level": "£2,500",
      "sumInsured": 2500,
      "setOn": "2018-10-01"
    }
  ],
  "price": {
    "monthlyLow": 75.84,
    "monthlyHigh": 118.63,
    "annualLow": 910.08,
    "annualHigh": 1423.56,
    "basis": "Anchored on Admiral Business's published Public Liability rate of £6.07 a month (single carpenter, £1,000,000 cover, as at 22 April 2026). Employers' Liability: 1 employee at £5 for the first and £3.5 thereafter, × 1.10 trade risk. Public Liability: £6.07 anchor × 1.1 trade risk × 1.6 cover level × 1.5 turnover. Tools & Materials: 7.5% a year on a £7,500 sum insured. Contract Works: 0.8% a year on a £35,000 sum insured. Legal Expenses: flat £5.5. Band is ±22%.",
    "perProduct": [
      {
        "product": "employers_liability",
        "monthlyLow": 4.29,
        "monthlyHigh": 6.71
      },
      {
        "product": "public_liability",
        "monthlyLow": 12.5,
        "monthlyHigh": 19.55
      },
      {
        "product": "tools_materials",
        "monthlyLow": 36.56,
        "monthlyHigh": 57.19
      },
      {
        "product": "contract_works",
        "monthlyLow": 18.2,
        "monthlyHigh": 28.47
      },
      {
        "product": "legal_expenses",
        "monthlyLow": 4.29,
        "monthlyHigh": 6.71
      }
    ]
  },
  "confirmations": [
    {
      "path": "people.employees",
      "question": "How many people does the business employ, excluding directors and partners?",
      "found": "At least 1, from wages running at about £35,040 a year over 12 months",
      "source": "transactions",
      "confidence": "low",
      "affects": [
        "employers_liability",
        "legal_expenses"
      ]
    },
    {
      "path": "assets.items",
      "question": "Are these 5 items right, and is anything missing?",
      "found": "£7,469 of tools at today's replacement cost",
      "source": "transactions",
      "confidence": "high",
      "affects": [
        "tools_materials"
      ]
    }
  ],
  "missingWebsite": null,
  "webIdentifiers": {
    "url": "https://calderelectrical.example.co.uk",
    "vatNumber": null,
    "termsUrls": []
  },
  "disclaimer": "Illustrative only. This is a statement of demands and needs based on public records and information you confirm, not a personal recommendation or a quote. Prices are banded estimates derived from published rates and are not an offer of cover."
}