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 43220 and the website agree.
£792 to £1,239 a year across 5 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: 1 employee at £5 for the first and £3.5 thereafter, × 1.15 trade risk. Public Liability: £6.07 anchor × 1.15 trade risk × 1.25 cover level × 1.75 turnover. Tools & Materials: 7.5% a year on a £4,500 sum insured. Contract Works: 0.8% a year on a £45,000 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 |
|---|---|---|
| Power tools from Milwaukee M18 Press Tool | Power tools | £2,856 |
| Power tools from Screwfix Direct | Power tools | £1,267 |
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.
This company filed dormant accounts, so it did not trade in the period. THE DESIGN STUDIO LIMITED is active under the same director and is the next place to look. None of the group files a SIC code that says what it does, so this is the register order and not a judgement.
Run the audit on THE DESIGN STUDIO LIMITED (09443531)
| Line | Filed | What it is |
|---|---|---|
| Net assets | £100 | What was held over what was owed |
Read straight out of the inline XBRL of the document filed on 4 Jun 2019, 25 tagged facts in it. net assets of £100 against total equity of £100, which agree.
THE DESIGN STUDIO LIMITED. 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.
What the business held over what it owed at the balance-sheet date. As at 31 October 2018, filed 4 June 2019.
As at 31 Oct 2018, so 7.9 years old. Filed on 4 Jun 2019.
A dormant filing is the company telling the register it had no significant accounting transactions in the period. What it usually means is that the trading is happening somewhere else, in a name the same people own, rather than that this business has no exposure. Where the directors run other companies, those are worth looking at instead of this one. Last accounts made up to 31 October 2018.
As at 31 Oct 2018, so 7.9 years old.
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 9 October 2017 and not necessarily touched since.
As at 9 Oct 2017, so 9.0 years old.
Every company DUDLEY, Benjamin 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 |
|---|---|---|---|
| THE DESIGN STUDIO LIMITED | 09443531 | a SIC code that says nothing | active |
16 The Ridgeway Harold Wood, Essex, Harold Wood, RM3 0DT 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.