{
  "profile": {
    "id": "audit_rey15s",
    "generatedAt": "2026-08-21T14:39:39.481Z",
    "input": {
      "kind": "company_name",
      "value": "Ridgeline Roofing Ltd"
    },
    "company": {
      "companyNumber": {
        "value": "11482093",
        "source": "companies_house",
        "confidence": "high"
      },
      "companyName": {
        "value": "Ridgeline Roofing Ltd",
        "source": "companies_house",
        "confidence": "high"
      },
      "companyStatus": {
        "value": "active",
        "source": "companies_house",
        "confidence": "high"
      },
      "incorporatedOn": {
        "value": "2018-04-17",
        "source": "companies_house",
        "confidence": "high"
      },
      "yearsTrading": {
        "value": 8,
        "source": "companies_house",
        "confidence": "high",
        "evidence": "Incorporated 2018-04-17"
      },
      "sicCodes": {
        "value": [
          "41202"
        ],
        "source": "companies_house",
        "confidence": "high",
        "evidence": "41202"
      },
      "registeredAddress": {
        "value": "Unit 4, Pentwyn Industrial Estate, Cardiff",
        "source": "companies_house",
        "confidence": "high"
      },
      "postcode": {
        "value": "CF23 7XN",
        "source": "companies_house",
        "confidence": "high"
      },
      "officers": {
        "value": [
          {
            "name": "PRICE, Gareth",
            "role": "director",
            "appointedOn": "2018-04-17",
            "yearsInRole": 8
          },
          {
            "name": "PRICE, Sian",
            "role": "director",
            "appointedOn": "2018-04-17",
            "yearsInRole": 8
          }
        ],
        "source": "companies_house",
        "confidence": "high",
        "evidence": "2 active"
      },
      "filedFixedAssets": null,
      "legalForm": {
        "value": "limited_company",
        "source": "companies_house",
        "confidence": "high"
      }
    },
    "trade": {
      "primary": {
        "value": "roofer",
        "source": "website",
        "confidence": "medium",
        "evidence": "The code filed at Companies House, 41202, says builder. The website reads as roofer. The website wins here, because a code set at incorporation goes stale and the work does not, but this is worth confirming."
      },
      "secondary": {
        "value": [
          "builder"
        ],
        "source": "inferred",
        "confidence": "medium",
        "evidence": "The code filed at Companies House, 41202, says builder. The website reads as roofer. The website wins here, because a code set at incorporation goes stale and the work does not, but this is worth confirming."
      },
      "activities": {
        "value": [
          "We offer re-roofing, flat roof replacement, felt roofing, slating and tiling, leadwork, guttering,",
          "fascias and soffits, and chimney repairs."
        ],
        "source": "website",
        "confidence": "medium"
      }
    },
    "operations": {
      "locationTypes": {
        "value": [
          "residential"
        ],
        "source": "website",
        "confidence": "medium"
      },
      "workType": null,
      "heightWork": {
        "value": true,
        "source": "website",
        "confidence": "medium",
        "evidence": "Work at height referenced on the site"
      },
      "hotWork": {
        "value": true,
        "source": "website",
        "confidence": "medium",
        "evidence": "Hot work referenced on the site"
      },
      "premisesCount": null,
      "serviceArea": null
    },
    "people": {
      "employees": {
        "value": 1,
        "source": "transactions",
        "confidence": "low",
        "evidence": "wages running at about £64,440 a year over 5 months"
      },
      "directors": {
        "value": 2,
        "source": "companies_house",
        "confidence": "high",
        "evidence": "2 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 Cardiff",
          "category": "power_tools",
          "purchasePrice": 1240,
          "purchasedOn": "2026-02-14",
          "replacementValue": 1272,
          "serialNumber": null,
          "source": "transactions",
          "evidence": "2026-02-14 · SCREWFIX DIRECT CARDIFF · £1240.00"
        },
        {
          "id": "manual-1",
          "description": "Makita 18v LXT 6-piece kit",
          "category": "power_tools",
          "purchasePrice": 890,
          "purchasedOn": "2025-11-03",
          "replacementValue": 925,
          "serialNumber": "MAK-8841207",
          "source": "declared",
          "confirmed": true,
          "evidence": "2025-11-03 · MAKITA UK POWER TOOLS · £890.00"
        },
        {
          "id": "txn-3",
          "description": "Power tools from Toolstation",
          "category": "power_tools",
          "purchasePrice": 415,
          "purchasedOn": "2025-09-22",
          "replacementValue": 434,
          "serialNumber": null,
          "source": "transactions",
          "evidence": "2025-09-22 · TOOLSTATION 4471 · £415.00"
        },
        {
          "id": "txn-4",
          "description": "Power tools from Dewalt Cordless KIT",
          "category": "power_tools",
          "purchasePrice": 1150,
          "purchasedOn": "2024-06-11",
          "replacementValue": 1280,
          "serialNumber": null,
          "source": "transactions",
          "evidence": "2024-06-11 · DEWALT CORDLESS KIT · £1150.00"
        },
        {
          "id": "txn-5",
          "description": "Power tools from Screwfix Direct",
          "category": "power_tools",
          "purchasePrice": 2300,
          "purchasedOn": "2023-08-04",
          "replacementValue": 2669,
          "serialNumber": null,
          "source": "transactions",
          "evidence": "2023-08-04 · SCREWFIX DIRECT · £2300.00"
        },
        {
          "id": "hire-6",
          "description": "Plant hire from HSS Hire (recurring, 12 months)",
          "category": "other",
          "purchasePrice": null,
          "purchasedOn": "2026-07-25",
          "replacementValue": null,
          "serialNumber": null,
          "source": "transactions",
          "evidence": "12 charges totalling £8,160, most recently 2026-07-25"
        },
        {
          "id": "hire-18",
          "description": "Plant hire from Scaffold Hire South Wales",
          "category": "other",
          "purchasePrice": 2400,
          "purchasedOn": "2026-04-08",
          "replacementValue": null,
          "serialNumber": null,
          "source": "transactions",
          "evidence": "2026-04-08 · SCAFFOLD HIRE SOUTH WALES · £2400.00"
        },
        {
          "id": "manual-2",
          "description": "Sievert hot air felt welding kit",
          "category": "power_tools",
          "purchasePrice": 640,
          "purchasedOn": "2024-03-19",
          "replacementValue": 720,
          "serialNumber": "SV-2291-B",
          "source": "declared",
          "confirmed": true
        }
      ],
      "toolsTotal": {
        "value": 7300,
        "source": "transactions",
        "confidence": "high"
      },
      "plantTotal": null,
      "vehicleCount": null,
      "vehicleSignalOnly": {
        "value": true,
        "source": "transactions",
        "confidence": "high"
      }
    },
    "financials": {
      "turnoverBand": {
        "value": "250k_500k",
        "source": "transactions",
        "confidence": "high",
        "evidence": "Inflows of about £263,976 a year, from 12 months of invoice payments"
      },
      "annualPayroll": {
        "value": 64440,
        "source": "transactions",
        "confidence": "medium",
        "evidence": "Run rate from 5 months of payroll"
      },
      "subcontractorSpend": null
    },
    "sourcesUsed": [
      {
        "source": "companies_house",
        "ok": true,
        "detail": "Ridgeline Roofing Ltd (11482093), SIC 41202",
        "ms": 0
      },
      {
        "source": "website",
        "ok": true,
        "detail": "Reads as roofer (high confidence), accreditations: CSCS",
        "ms": 0
      },
      {
        "source": "transactions",
        "ok": true,
        "detail": "110 rows over 14 months. payroll £64,440/yr, 7 asset purchases, insurer seen: SIMPLY BUSINESS",
        "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": "hired_in_plant",
      "productName": "Hired in Plant",
      "basis": "contractual",
      "level": null,
      "sumInsured": null,
      "statement": "Covers hired plant and machinery if it is stolen or damaged. The hire agreement normally makes whoever hired it responsible while it is on site, and hired items never appear in the business's own asset register, so nothing else on this page would catch them.",
      "triggeredBy": [
        "assets.items"
      ],
      "confidence": "medium",
      "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 working at height means more that can fall on somebody; hot work can start a fire.",
      "triggeredBy": [
        "trade.primary",
        "operations.heightWork",
        "operations.hotWork"
      ],
      "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 6 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": "£95,000",
      "sumInsured": 95000,
      "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": "missing_cover",
      "product": "employers_liability",
      "severity": "urgent",
      "statement": "Employers' Liability is legally required and is not held",
      "detail": "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."
    },
    {
      "kind": "stale_sum_insured",
      "product": "tools_materials",
      "severity": "urgent",
      "statement": "Tools & Materials is insured for £3,000 against an indicated £7,500",
      "detail": "That is a shortfall of £4,500, about 60%, and the sum insured was last set in May 2019. 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": "missing_cover",
      "product": "hired_in_plant",
      "severity": "attention",
      "statement": "No Hired in Plant recorded",
      "detail": "Covers hired plant and machinery if it is stolen or damaged. The hire agreement normally makes whoever hired it responsible while it is on site, and hired items never appear in the business's own asset register, so nothing else on this page would catch them."
    },
    {
      "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 May 2019."
    },
    {
      "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": "2019-05-01"
    },
    {
      "product": "tools_materials",
      "level": "£3,000",
      "sumInsured": 3000,
      "setOn": "2019-05-01"
    }
  ],
  "price": {
    "monthlyLow": 155.48,
    "monthlyHigh": 243.2,
    "annualLow": 1865.76,
    "annualHigh": 2918.4,
    "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, × 2.50 trade risk. Hired in Plant: flat £8 while items are on hire. Public Liability: £6.07 anchor × 2.5 trade risk × 1.6 cover level × 2.6 turnover. Tools & Materials: 7.5% a year on a £7,500 sum insured. Contract Works: 0.8% a year on a £95,000 sum insured. Legal Expenses: flat £5.5. Band is ±22%.",
    "perProduct": [
      {
        "product": "employers_liability",
        "monthlyLow": 9.75,
        "monthlyHigh": 15.25
      },
      {
        "product": "hired_in_plant",
        "monthlyLow": 6.24,
        "monthlyHigh": 9.76
      },
      {
        "product": "public_liability",
        "monthlyLow": 49.24,
        "monthlyHigh": 77.02
      },
      {
        "product": "tools_materials",
        "monthlyLow": 36.56,
        "monthlyHigh": 57.19
      },
      {
        "product": "contract_works",
        "monthlyLow": 49.4,
        "monthlyHigh": 77.27
      },
      {
        "product": "legal_expenses",
        "monthlyLow": 4.29,
        "monthlyHigh": 6.71
      }
    ]
  },
  "confirmations": [
    {
      "path": "trade.primary",
      "question": "Is this the right description of what the business does?",
      "found": "Roofer",
      "source": "website",
      "confidence": "medium",
      "affects": [
        "public_liability",
        "professional_indemnity",
        "contract_works",
        "tools_materials"
      ]
    },
    {
      "path": "people.employees",
      "question": "How many people does the business employ, excluding directors and partners?",
      "found": "At least 1, from wages running at about £64,440 a year over 5 months",
      "source": "transactions",
      "confidence": "low",
      "affects": [
        "employers_liability",
        "legal_expenses"
      ]
    },
    {
      "path": "assets.items",
      "question": "Are these 6 items right, and is anything missing?",
      "found": "£7,300 of tools at today's replacement cost",
      "source": "transactions",
      "confidence": "high",
      "affects": [
        "tools_materials"
      ]
    }
  ],
  "missingWebsite": null,
  "webIdentifiers": {
    "url": "https://ridgelineroofing.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."
}