Covers replacing tools that are lost, stolen or damaged. The sum insured comes from 3 registered items at today's replacement cost, which is what they would cost to buy again rather than the depreciated book value sitting in the accounts.
What the books say this business needs, against what it is on record as holding. Only the lines marked required by law are a legal duty. The rest set out an exposure for the customer to decide about. This is the statement of demands and needs, and every line opens to say what put it there.
| Cover | Position | Held now | Indicated | Indicative, monthly |
|---|---|---|---|---|
|
Public Liability
exposure
WhyThis line rests on something the engine worked out, not on something the customer has confirmed. Covers the cost when the work injures somebody else or damages their property. £2,000,000 is the usual level for a carpenter / joiner. Last set on 1 Feb 2023. fired by trade.primary |
held | £2,000,000 | £2,000,000 | £7.69 to £12.03 |
|
Tools & Materials
exposure
WhyCovers replacing tools that are lost, stolen or damaged. The sum insured comes from 3 registered items at today's replacement cost, which is what they would cost to buy again rather than the depreciated book value sitting in the accounts. fired by assets.items, assets.toolsTotal |
not held | nothing | £8,000 | £39.00 to £61.00 |
|
Contract Works
exposure
WhyCovers redoing work that is damaged on site before it is handed over. Sized at about a quarter of annual turnover, which is a working estimate of the biggest job likely to be open at any one time. fired by trade.primary, operations.workType, financials.turnoverBand |
not held | nothing | £25,000 | £13.00 to £20.33 |
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 43320 and the website agree.
£716 to £1,120 a year across 3 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 × 1 trade risk × 1.25 cover level × 1.3 turnover. Tools & Materials: 7.5% a year on a £8,000 sum insured. Contract Works: 0.8% a year on a £25,000 sum insured. 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 Axminster Tools | Power tools | £3,465 |
| Power tools from Festool UK | Power tools | £2,979 |
| Power tools from Machine Mart | Power tools | £1,319 |
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.
The accounts filed on 2025-09-30 were read and the balance sheet does not add up: £4,770 of fixed assets plus £1,715,253 of net current assets less £0 owed after a year comes to £1,720,023, against £257,982 of net assets on the face of it, which does not 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.
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 23 December 2022 and not necessarily touched since.
As at 23 Dec 2022, so 3.7 years old.
Flat 1, 5-7 Yeomans Row, London, SW3 2AL 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.