The business employs 4 people. 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.
What the books say this business needs, against what it is on record as holding. Only the lines marked required by law are a legal duty. The rest set out an exposure for the customer to decide about. This is the statement of demands and needs, and every line opens to say what put it there.
| Cover | Position | Held now | Indicated | Indicative, monthly |
|---|---|---|---|---|
|
Employers' Liability
required by law
WhyThe business employs 4 people. 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. fired by people.employees |
not held | nothing | £10,000,000 | £13.30 to £20.80 |
|
Public Liability
exposure
WhyThis line rests on something the engine worked out, not on something the customer has confirmed. Covers the cost when the work injures somebody else or damages their property. £1,000,000 is the usual level for a cleaner. Last set on 15 Sept 2023. fired by trade.primary |
held | £1,000,000 | £1,000,000 | £7.81 to £12.22 |
|
Legal Expenses
recommended
WhyThis line rests on something the engine worked out, not on something the customer has confirmed. 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. fired by people.employees |
not held | nothing | – | £4.29 to £6.71 |
Nobody typed any of this in. Every number above came out of one of these reads, and every fact carries where it came from and how sure the engine is about it.
Filed SIC code 81210 and the website agree.
£305 to £477 a year across 3 products. A band, not a quote.
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: 4 employees at £5 for the first and £3.5 thereafter, × 1.10 trade risk. Public Liability: £6.07 anchor × 1.1 trade risk × 1 cover level × 1.5 turnover. Legal Expenses: flat £5.5. Band is ±22%.
A CSV exported from a bank or an accounts package. It is read in the request that carried it and thrown away when that request ends, and the file itself is never written down. The engine says what it made of the columns before it uses any of it, and anything the file cannot settle for itself is asked rather than assumed.
Choose the second option for an expenses sheet, where every amount is positive and nothing in the file says which way the money went. No export to hand? Take a sample, which is a fictional trade's year.
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.