Accountant Halewood & Co switch Not a live product
Calder Electrical Services Ltd Read from 3 of 3 sources

Tools & Materials is insured for £2,500 against an indicated £8,000

That is a shortfall of £5,500, about 69%, and the sum insured was last set in October 2018.

1 urgent2 to look at
What this cover would cost
from £939/yr

For the 5 switched on below, rising to about £1,469. An estimate from published rates, never a price.

Already on record
3 of 5

Entered against this business rather than found in the books. A bank line never says which policy a premium bought.

The law makes you buy
1

of the 5 below. The rest are your call.

Run another audit

Check these three

Everything below rests on them
What the business does From the record
Electrician
Building and trades
Professional services
Creative
Service
Transport

Sets which covers apply, and the price of each.

Turnover a year From the record
£100k–150k
Under £25k Over £1m

What liability cover is rated on.

People employed From the record

Excluding directors. Decides if Employers’ Liability is a legal duty.

Pick the cover you want

3 of 5 already held

Switch off anything you do not want. The figure follows as you go.

from £939/yr

5 of 5 switched on

Employers' Liability Required by law

The business employs 1 person.

On record as held: £10,000,000, set 1 Apr 2019. From a schedule, not the books.

Cover level
£10,000,000
The statutory minimum is £5m
A month from £4.29 £51/yr
held
Why

The statement of demands and needs for this line, in full:

The business employs 1 person. 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.

Last set on 1 Apr 2019.

fired by people.employees

Public Liability

Covers the cost when the work injures somebody else or damages their property.

On record as held: £2,000,000, set 1 Oct 2018. From a schedule, not the books.

Cover level
A month from £12.50 £150/yr
below indicated
Why

This line rests on something the engine worked out, not on something the customer has confirmed.

The statement of demands and needs for this line, in full:

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.

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.

Last set on 1 Oct 2018.

fired by trade.primary, operations.locationTypes

Tools & Materials

Covers replacing tools that are lost, stolen or damaged.

On record as held: £2,500, set 1 Oct 2018. From a schedule, not the books.

Cover level
£8,000
From your register
A month from £39.00 £468/yr
£5,500 short
Why

The statement of demands and needs for this line, in full:

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.

That is a shortfall of £5,500, about 69%, 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.

Last set on 1 Oct 2018.

fired by assets.items, assets.toolsTotal

Contract Works

Covers redoing work that is damaged on site before it is handed over.

Cover level
£35,000
From your register
A month from £18.20 £218/yr
not held
Why

The statement of demands and needs for this line, in full:

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.

fired by trade.primary, operations.workType, financials.turnoverBand

Legal Expenses

Covers the legal bill when there is a dispute.

Cover level
–
No level to set on this one
A month from £4.29 £51/yr
not held
Why

This line rests on something the engine worked out, not on something the customer has confirmed.

The statement of demands and needs for this line, in full:

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

5 of 5 switched on

A premium leaving an account is visible. We can never show that something is missing.

1 thing to ask the client each one changes an answer above

These are the things the engine worked out rather than was told, and each one changes an answer further up. Answering one turns it from something read off a ledger into something the customer has said, which is what stops cover being sold against a wrong guess. Every card says what it changes.

There are no buttons here on purpose. The practice surfaces the finding and the client takes the action, so these are questions to put to Calder Electrical Services, not answers to give on their behalf.
Are these 5 items right, and is anything missing?
Found: £7,517 of tools at today's replacement cost
From Ledger, high confidence. Changes: Tools & Materials
How this was worked out 3 of 3 sources answered

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.

Every read, in the order it happened

0 ms in total
✓ Companies House Calder Electrical Services Ltd (10938471), SIC 43210 0 ms
✓ Website Reads as electrician (high confidence), accreditations: NICEIC 0 ms
✓ Ledger 102 rows over 16 months. payroll £35,040/yr, 4 asset purchases, insurer seen: HISCOX 0 ms
A ledger is the one input that cannot be looked up: Companies House will not say what a business spends and a website will not say who it pays.
Trade

Electrician

high confidence Website

Filed SIC code 43210 and the website agree.

Quoted from the site
  • 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
The record
Company number
10938471
Status
active
Incorporated
5 Sept 2017
Years trading
9
SIC codes
43210
Legal form
limited company
Turnover
£100,001 to £150,000 (Ledger, high)
Payroll seen
£35,040 a year
Employees
1 (high confidence)
What that would cost £78.28 to £122.44 a month, indicative
Indicative monthly, all lines
£78.28 to £122.44 / month

£939 to £1,469 a year across 5 products. A band, not a quote.

How that number was built

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 £8,000 sum insured. Contract Works: 0.8% a year on a £35,000 sum insured. Legal Expenses: flat £5.5. Band is ±22%.

What the audit found you own 5 items, at replacement cost

Valued at what it would cost to buy again today, not at what the accounts say it is worth after depreciation. This is the list a claim gets paid against.

ItemCategoryReplacement
Power tools from Screwfix Direct Leeds Power tools £972
Power tools from Milwaukee M18 KIT Power tools £1,449
Power tools from Screwfix Direct Power tools £931
Power tools from Makita UK Power tools £1,881
Fluke 1664FC multifunction tester Power tools £2,284
Add a ledger for a sharper read a bank CSV, read and thrown away
The one input that cannot be looked up

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.

The same audit, called by an agent

The engine is one API. The agent surface calls the same tools and gets the same answer.

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.