# Audit result

*The business owner, finding out what their own books say they need and what it would cost.*

- Business: Ridgeline Roofing Ltd (`ridgeline-roofing`), fictional, with synthetic transactions
- Rendered from: https://itspickle.app/audit?demo=ridgeline-roofing
- As JSON: https://itspickle.app/api/audit?demo=ridgeline-roofing

## The verdict

**Employers' Liability is legally required and is not held**

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.

2 urgent findings, 6 findings in total, across 6 cover lines.

## The position

What the books indicate, against what is actually held.

| Cover | Basis | Indicated | Held |
|---|---|---|---|
| Employers' Liability | legal | £10,000,000 | nothing on file |
| Hired in Plant | contractual | null | nothing on file |
| Public Liability | exposure | £5,000,000 | £2,000,000 |
| Tools & Materials | exposure | £7,500 (£7,500) | £3,000 |
| Contract Works | exposure | £95,000 (£95,000) | nothing on file |
| Legal Expenses | recommended | null | nothing on file |

## Findings

| Severity | Finding | Detail |
|---|---|---|
| urgent | Employers' Liability is legally required and is not held | 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. |
| urgent | Tools & Materials is insured for £3,000 against an indicated £7,500 | 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. |
| attention | No Hired in Plant recorded | 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. |
| attention | Public Liability is held at £2,000,000 against an indicated £5,000,000 | 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. |
| attention | No Contract Works recorded | 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. |
| good | No Legal Expenses recorded | 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. |

## What was read

| Source | Read | Detail |
|---|---|---|
| companies_house | yes | Ridgeline Roofing Ltd (11482093), SIC 41202 |
| website | yes | Reads as roofer (high confidence), accreditations: CSCS |
| transactions | yes | 110 rows over 14 months. payroll £64,440/yr, 7 asset purchases, insurer seen: SIMPLY BUSINESS |

## The profile

- Company: Ridgeline Roofing Ltd, number 11482093
- Trade: roofer (medium confidence, from website)
- Turnover band: 250k_500k
- Employees: 1 (low confidence)
- Payroll run rate: £64,440
- Register: 8 items, tools at £7,300 replacement value

Payroll proves at least one employee, never how many. A single-employee company whose employee owns
50% or more of the shares is exempt from compulsory employers' liability.

## Still to confirm

- **Is this the right description of what the business does?** Found: Roofer (website, medium confidence)
- **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 (transactions, low confidence)
- **Are these 6 items right, and is anything missing?** Found: £7,300 of tools at today's replacement cost (transactions, high confidence)

## Indicative price

£155.48 to £243.20 a month, £1,866 to £2,918 a year.

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%.

This is a band derived from published rates. It is not a quote, it is not an offer of cover, and
nothing on this deployment can bind cover.

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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.