Accountant Halewood & Co switch Not a live product
Bramble Lane Cleaning Ltd Read from 3 of 3 sources

Employers' Liability is legally required and no premium for it appears in these books

The business employs 4 people.

1 urgent1 to look at
What this cover would cost
from £305/yr

For the 3 switched on below, rising to about £477. An estimate from published rates, never a price.

Already on record
1 of 3

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 3 below. The rest are your call.

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Check these three

Everything below rests on them
What the business does From the record
Cleaner
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

1 of 3 already held

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

from £305/yr

3 of 3 switched on

Employers' Liability Required by law

The business employs 4 people.

Cover level
£10,000,000
The statutory minimum is £5m
A month from £13.30 £160/yr
not held
Why

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

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.

fired by people.employees

Public Liability

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

On record as held: £1,000,000, set 15 Sept 2023. From a schedule, not the books.

Cover level
A month from £7.81 £94/yr
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 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

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

3 of 3 switched on

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

Also worth knowing 1 outside the cover lines
No tools recorded, but this trade normally owns some
A cleaner usually owns tools worth insuring. Nothing that was read looks like a tool purchase, so there is no sum insured to work out. Adding items to the register, or connecting the accounting ledger, is what fixes that.
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 Bramble Lane Cleaning Ltd (14877320), SIC 81210 0 ms
✓ Website Reads as cleaner (high confidence) 0 ms
✓ Ledger 36 rows over 12 months. payroll £73,200/yr 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

Cleaner

high confidence Website

Filed SIC code 81210 and the website agree.

Quoted from the site
  • Our team is fully insured.
  • End of tenancy cleaning, office cleaning and window cleaning across Nottingham.
The record
Company number
14877320
Status
active
Incorporated
30 Aug 2023
Years trading
3
SIC codes
81210
Legal form
limited company
Turnover
£100,001 to £150,000 (Ledger, high)
Payroll seen
£73,200 a year
Employees
4 (high confidence)
What that would cost £25.40 to £39.73 a month, indicative
Indicative monthly, all lines
£25.40 to £39.73 / month

£305 to £477 a year across 3 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: 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%.

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.

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.