{
  "profile": {
    "id": "audit_sxzrgq",
    "generatedAt": "2026-08-21T14:53:17.817Z",
    "input": {
      "kind": "company_name",
      "value": "Swiftline Couriers Ltd"
    },
    "company": {
      "companyNumber": {
        "value": "12776301",
        "source": "companies_house",
        "confidence": "high"
      },
      "companyName": {
        "value": "Swiftline Couriers Ltd",
        "source": "companies_house",
        "confidence": "high"
      },
      "companyStatus": {
        "value": "active",
        "source": "companies_house",
        "confidence": "high"
      },
      "incorporatedOn": {
        "value": "2020-08-03",
        "source": "companies_house",
        "confidence": "high"
      },
      "yearsTrading": {
        "value": 6,
        "source": "companies_house",
        "confidence": "high",
        "evidence": "Incorporated 2020-08-03"
      },
      "sicCodes": {
        "value": [
          "53202"
        ],
        "source": "companies_house",
        "confidence": "high",
        "evidence": "53202"
      },
      "registeredAddress": {
        "value": "9 Bardsley Close, Birmingham",
        "source": "companies_house",
        "confidence": "high"
      },
      "postcode": {
        "value": "B12 9QT",
        "source": "companies_house",
        "confidence": "high"
      },
      "officers": {
        "value": [
          {
            "name": "AHMED, Bilal",
            "role": "director",
            "appointedOn": "2020-08-03",
            "yearsInRole": 6
          }
        ],
        "source": "companies_house",
        "confidence": "high",
        "evidence": "1 active"
      },
      "filedFixedAssets": null,
      "legalForm": {
        "value": "limited_company",
        "source": "companies_house",
        "confidence": "high"
      }
    },
    "trade": {
      "primary": {
        "value": "courier",
        "source": "website",
        "confidence": "high",
        "evidence": "Filed SIC code 53202 and the website agree."
      },
      "secondary": {
        "value": [
          "haulier"
        ],
        "source": "inferred",
        "confidence": "medium",
        "evidence": "Filed SIC code 53202 and the website agree."
      },
      "activities": {
        "value": [
          "Multi-drop, pallet work and urgent courier runs for business customers."
        ],
        "source": "website",
        "confidence": "medium"
      }
    },
    "operations": {
      "locationTypes": null,
      "workType": {
        "value": "not_construction",
        "source": "website",
        "confidence": "medium"
      },
      "heightWork": null,
      "hotWork": null,
      "premisesCount": null,
      "serviceArea": null
    },
    "people": {
      "employees": {
        "value": 1,
        "source": "transactions",
        "confidence": "low",
        "evidence": "wages running at about £86,880 a year over 12 months"
      },
      "directors": {
        "value": 1,
        "source": "companies_house",
        "confidence": "high",
        "evidence": "1 active officers filed"
      },
      "clericalOnlyDirectors": null,
      "labourOnlySubcontractors": {
        "value": true,
        "source": "transactions",
        "confidence": "high",
        "evidence": "CIS or subcontractor payments totalling about £25,200"
      },
      "bonaFideSubcontractors": null,
      "directorExperienceYears": {
        "value": 6,
        "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": [],
      "toolsTotal": null,
      "plantTotal": null,
      "vehicleCount": null,
      "vehicleSignalOnly": {
        "value": true,
        "source": "transactions",
        "confidence": "high"
      }
    },
    "financials": {
      "turnoverBand": {
        "value": "150k_200k",
        "source": "transactions",
        "confidence": "high",
        "evidence": "Inflows of about £193,056 a year, from 12 months of invoice payments"
      },
      "annualPayroll": {
        "value": 86880,
        "source": "transactions",
        "confidence": "high",
        "evidence": "Run rate from 12 months of payroll"
      },
      "subcontractorSpend": {
        "value": 25200,
        "source": "transactions",
        "confidence": "high"
      }
    },
    "sourcesUsed": [
      {
        "source": "companies_house",
        "ok": true,
        "detail": "Swiftline Couriers Ltd (12776301), SIC 53202",
        "ms": 0
      },
      {
        "source": "website",
        "ok": true,
        "detail": "Reads as courier (high confidence)",
        "ms": 0
      },
      {
        "source": "transactions",
        "ok": true,
        "detail": "72 rows over 12 months. payroll £86,880/yr, subcontractors £25,200/yr",
        "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",
        "people.labourOnlySubcontractors"
      ],
      "confidence": "low",
      "needsConfirmation": true
    },
    {
      "product": "public_liability",
      "productName": "Public Liability",
      "basis": "exposure",
      "level": "£1,000,000",
      "sumInsured": null,
      "statement": "Covers the cost when the work injures somebody else or damages their property. £1,000,000 is the usual level for a courier.",
      "triggeredBy": [
        "trade.primary"
      ],
      "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": "unknown_fact",
      "product": null,
      "severity": "attention",
      "statement": "This trade routes to a specialist product line",
      "detail": "Carriage of goods for hire and reward needs the courier product, not standard PL."
    },
    {
      "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": "missing_cover",
      "product": "public_liability",
      "severity": "attention",
      "statement": "No Public Liability recorded",
      "detail": "Covers the cost when the work injures somebody else or damages their property. £1,000,000 is the usual level for a courier."
    },
    {
      "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": [],
  "price": {
    "monthlyLow": 23.79,
    "monthlyHigh": 37.21,
    "annualLow": 285.48,
    "annualHigh": 446.52,
    "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, × 1.60 trade risk. Public Liability: £6.07 anchor × 1.6 trade risk × 1 cover level × 1.75 turnover. Legal Expenses: flat £5.5. Band is ±22%.",
    "perProduct": [
      {
        "product": "employers_liability",
        "monthlyLow": 6.24,
        "monthlyHigh": 9.76
      },
      {
        "product": "public_liability",
        "monthlyLow": 13.26,
        "monthlyHigh": 20.74
      },
      {
        "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 £86,880 a year over 12 months",
      "source": "transactions",
      "confidence": "low",
      "affects": [
        "employers_liability",
        "legal_expenses"
      ]
    },
    {
      "path": "operations.locationTypes",
      "question": "Which types of location does the business work at?",
      "found": "Not determined from the website",
      "source": "inferred",
      "confidence": "low",
      "affects": [
        "public_liability",
        "legal_expenses"
      ]
    }
  ],
  "missingWebsite": null,
  "webIdentifiers": {
    "url": "https://swiftlinecouriers.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."
}