Accountant Halewood & Co switch Not a live product
Northgate Advisory Ltd Read from 3 of 3 sources

No Public Liability premium appears in these books

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

2 to look at
What this cover would cost
from £1,062/yr

For the 4 switched on below, rising to about £1,662. An estimate from published rates, never a price.

Already on record
2 of 4

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 4 below. The rest are your call.

Run another audit

Check these three

Everything below rests on them
What the business does We guessed
Consultant
Building and trades
Professional services
Creative
Service
Transport

Sets which covers apply, and the price of each.

Turnover a year From the record
£500k–1m
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

2 of 4 already held

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

from £1,062/yr

4 of 4 switched on

Employers' Liability Required by law

The business employs 2 people.

On record as held: £10,000,000, set 1 Jul 2022. From a schedule, not the books.

Cover level
£10,000,000
The statutory minimum is £5m
A month from £6.63 £80/yr
held
Why

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

The business employs 2 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.

Last set on 1 Jul 2022.

fired by people.employees, people.labourOnlySubcontractors

Public Liability

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

Cover level
A month from £20.15 £242/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 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; turnover this size comes with bigger jobs.

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

Professional Indemnity

Covers the cost when advice, a design or a piece of professional work loses a client money and they come after it.

On record as held: £1,000,000, set 1 Mar 2024. From a schedule, not the books.

Cover level
A month from £57.47 £690/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 advice, a design or a piece of professional work loses a client money and they come after it. The level is sized to the contracts this business is likely to be signing.

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 March 2024.

Last set on 1 Mar 2024.

fired by trade.primary, 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

4 of 4 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 Northgate Advisory, not answers to give on their behalf.
Is this the right description of what the business does?
Found: Consultant
From Website, medium confidence. Changes: Public Liability, Professional Indemnity, Contract Works, 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 Northgate Advisory Ltd (13204877), SIC 82990 0 ms
✓ Website Reads as consultant (high confidence) 0 ms
✓ Ledger 98 rows over 12 months. payroll £104,760/yr, 2 asset purchases, subcontractors £50,400/yr, insurer seen: AXA 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

Consultant

medium confidence Website

Filed SIC code 82990 carries no trade information; classified from the website instead.

Quoted from the site
  • Our consultants are experts in change delivery and have led programmes for clients
  • We advise on operational strategy, business transformation and post-acquisition
The record
Company number
13204877
Status
active
Incorporated
11 Feb 2021
Years trading
5
SIC codes
82990
Legal form
limited company
Turnover
£500,001 to £1,000,000 (Ledger, high)
Payroll seen
£104,760 a year
Employees
2 (high confidence)
What that would cost £88.54 to £138.50 a month, indicative
Indicative monthly, all lines
£88.54 to £138.50 / month

£1,062 to £1,662 a year across 4 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: 2 employees at £5 for the first and £3.5 thereafter, × 1.00 trade risk. Public Liability: £6.07 anchor × 0.7 trade risk × 1.6 cover level × 3.8 turnover. Professional Indemnity: £13.5 at £250,000 × 2.8 cover level × 1.95 turnover (dampened). Legal Expenses: flat £5.5. Band is ±22%.

What the audit found you own 2 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
IT equipment from Apple UK Macbook PRO IT equipment £2,400
IT equipment from Dell UK Latitude X2 IT equipment £1,890
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.