Halewood & Co switch Not a live product

Public Liability is an exposure here

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

2 to look at
What this cover would cost
from £166/yr

For the 2 switched on below, rising to about £260. An estimate from published rates, never a price.

What you already hold
Not known

A bank line shows money going to an insurer, never which policy it bought. So this stays blank until somebody tells us.

The law makes you buy
None

of the 2 below. The rest are your call.

Check these three

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

Sets which covers apply, and the price of each.

Turnover a year We guessed
Under £25k
Under £25k Over £1m

Not filed by small companies, so not lookupable.

People employed We guessed

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

Pick the cover you want

2 suggested

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

from £166/yr

2 of 2 switched on

Public Liability

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

Cover level
A month from £3.31 £40/yr
not known
Why

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 consultant.

Nothing has been read that could show whether it is held: a premium leaves a bank account, and no ledger has been read for this business.

fired by trade.primary

Professional Indemnity

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

Cover level
A month from £10.53 £126/yr
not known
Why

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.

Nothing has been read that could show whether it is held: a premium leaves a bank account, and no ledger has been read for this business.

fired by trade.primary, financials.turnoverBand

2 of 2 switched on

No books read for this business, so we cannot say what you hold. Insurance has never appeared on a filed balance sheet either.

No website was read for Thornbury Consulting Ltd

Everything above comes from the filed record alone. Companies House publishes no website, so the engine built the likely domains from the registered name and checked each one. Tried thornburyconsulting.co.uk, thornbury-consulting.co.uk, thornburyconsulting.com, thornbury-consulting.com, and none of them identifies itself as Thornbury Consulting Ltd. A business trading under a name other than the one it is registered under will not be found that way.

  • what the business does today, which is what the filed SIC code is reconciled against
  • whether it works at height or does hot work
  • whether it works in homes, on commercial sites, or both
3 things 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 Thornbury Consulting, not answers to give on their behalf.
What was turnover over the last 12 months?
Found: Not found. Small companies do not file a profit and loss account, so this cannot be read from the public record.
From Inferred, low confidence. Changes: Public Liability, Professional Indemnity, Contract Works
How many people does the business employ, excluding directors and partners?
Found: None found
From Inferred, low confidence. Changes: Employers' Liability, Legal Expenses
Which types of location does the business work at?
Found: Not determined from the website
From Inferred, low confidence. Changes: Public Liability, Legal Expenses
Also worth knowing 1 outside the cover lines
Employers' Liability is not currently required
One director, nobody on the payroll, and the director owns the company. That is the exemption written into the Employers' Liability (Compulsory Insurance) Act 1969. It stops applying the day the business takes on its first employee, and a labour-only subcontractor counts as one.
How this was worked out 1 of 2 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

1133 ms in total
✓ Companies House Thornbury Consulting Ltd (15644901), SIC 70229 0 ms
! Website Tried thornburyconsulting.co.uk, thornbury-consulting.co.uk, thornburyconsulting.com, thornbury-consulting.com without finding a site that identifies itself as Thornbury Consulting Ltd. Supply the website to read it. 1133 ms
1 of 2 sources returned nothing, so the answer above is thinner than it needs to be. 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.

Consultant

high confidence Companies House

Classified from filed SIC code 70229.

Company number
15644901
Status
active
Incorporated
14 Jan 2025
Years trading
1
SIC codes
70229
Legal form
limited company
What that would cost £13.84 to £21.65 a month, indicative
£13.84 to £21.65 / month

£166 to £260 a year across 2 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). Public Liability: £6.07 anchor × 0.7 trade risk × 1 cover level × 1 turnover. Professional Indemnity: £13.5 at £250,000 × 1 cover level × 1 turnover (dampened). Band is ±22%.

Add a ledger for a sharper read a bank CSV, read and thrown away

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.

What the register says

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.

No figures were read from a filed account

The accounts filed on 2025-10-22 were read and the balance sheet does not add up: £0 of fixed assets plus £10,175 of net current assets less £0 owed after a year comes to £10,175, against £10,075 of net assets on the face of it, which does not agree; net assets of £10,075 against total equity of £10,075, which agree. The figures are not quoted, because a balance sheet this engine cannot reproduce is more likely to be a parse it got wrong than a filing that is wrong.

Filed as Software developer, under SIC 62012 context

The exposures that usually go with that trade are advice that a client can rely on. A SIC code is self-selected on the incorporation form and never audited, so it is evidence of a declaration rather than of a trade. Set at incorporation on 14 April 2024.

As at 14 Apr 2024, so 2.5 years old.

Other companies file at this address

Office 8 Minuteman House, 8 Langley Road, Watford, WD17 4PT 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.

See the book at WD17 4PT

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.