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.
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 81300 and the website agree.
£1,372 to £2,146 a year across 7 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: 2 employees at £5 for the first and £3.5 thereafter, × 1.20 trade risk. Hired in Plant: flat £8 while items are on hire. Public Liability: £6.07 anchor × 1.2 trade risk × 1.6 cover level × 2 turnover. Tools & Materials: 7.5% a year on a £1,000 sum insured. Own Plant: 4.0% a year on a £16,000 sum insured. Contract Works: 0.8% a year on a £60,000 sum insured. Legal Expenses: flat £5.5. Band is ±22%.
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.
| Item | Category | Replacement |
|---|---|---|
| Plant from Kubota Mini Digger | Plant | £15,154 |
| Power tools from Screwfix Direct | Power tools | £843 |
| Plant hire from HSS Hire (recurring, 12 months) | Other | needs a valuation |
A company looked up live has no register page yet. This list is what the sources named, and a ledger is what fills it in.
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.
Everything in this movement is public, was read without anybody's permission, and is what somebody filed rather than what is true today. A set of small company accounts describes a year that ended before it was sent in, and the register publishes it months after that, so every figure below carries the date it describes and the day it arrived. The register can say who has an exposure. It cannot say who lacks cover: a filed balance sheet has never had a line for insurance in it, so an absence here is an absence of a field and not evidence about anybody.
| Line | Filed | What it is |
|---|---|---|
| Employees, average over the year | 1 | A headcount and not a sum. The one figure here that decides a legal duty |
| Fixed assets | £0 | Book value after depreciation, not replacement cost |
| Current assets | £100 | Everything expected to turn into cash inside a year |
Read straight out of the inline XBRL of the document filed on 1 Apr 2021, 50 tagged facts in it. This filing does not tag enough of the balance sheet to add it up, which is ordinary for a dormant company and for the shortest micro-entity filings..
WE ARE HERE (LDN) CIC, CREATIVE GRACE LTD (Artist / maker). Several entities under one person is where cover falls between policies: a policy written for one company does not answer a claim made against another, and the employee, the van and the contract are routinely in different ones. This is a finding a single-company view cannot make at all, and no accounting ledger contains it. Unlike the filed figures above, this one is current: an appointment has to be notified within fourteen days.
As at 8 Oct 2026, so today.
An average of 1 employees. The PSC register shows 2 people with significant control, so the single owner-employee exemption does not apply. 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. That is the average over the year to 31 March 2021, filed on 1 April 2021. The register does not say what is true today.
As at 31 Mar 2021, so 5.5 years old. Filed on 1 Apr 2021.
A SIC code is self-selected on the incorporation form and never audited, and this one is a formation-agent default or a catch-all. It is evidence of a declaration rather than of a trade. Filed at incorporation on 15 July 2019 and not necessarily touched since.
As at 15 Jul 2019, so 7.2 years old.
Every company BAZUAYE, Helen Esohe Oludolapo is currently appointed to. A ledger shows one company; this is the only source that shows the others, and it is where cover falls between policies.
| Company | Number | Filed as | Status |
|---|---|---|---|
| WE ARE HERE (LDN) CIC | 16755014 | a SIC code that says nothing | active |
| CREATIVE GRACE LTD | 12787470 | Artist / maker | active |
Kemp House, 160 City Road, London, EC1V 2NX is a registered office, and an accountancy practice is usually the registered office of its own clients. What files there is public and comes back in four requests, and reading what each of their own accounts filed is a job that can be started from that page and comes back later.
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.