Business owner Ridgeline Roofing Ltd switch Not a live product
Ridgeline Roofing Ltd Read from 2 of 2 sources

Public Liability is held at £2,000,000 against an indicated £5,000,000

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.

2 to look at
What this cover would cost
from £344/yr

For the 3 switched on below, rising to about £538. An estimate from published rates, never a price.

Already on record
2 of 3

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
None

of the 3 below. The rest are your call.

Run another audit

Check these three

Everything below rests on them
What the business does We guessed
Roofer
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 of 3 already held

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

from £344/yr

3 of 3 switched on

Public Liability

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

On record as held: £2,000,000, set 1 May 2019. From a schedule, not the books.

Cover level
A month from £18.94 £227/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 the work injures somebody else or damages their property. Set at £5,000,000 because working at height means more that can fall on somebody; hot work can start a fire.

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 May 2019.

Last set on 1 May 2019.

fired by trade.primary, operations.heightWork, operations.hotWork

Tools & Materials

Covers replacing tools that are lost, stolen or damaged.

On record as held: £3,000, set 1 May 2019. From a schedule, not the books.

Cover level
£2,000
From your register
A month from £9.75 £117/yr
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 replacing tools that are lost, stolen or damaged. The sum insured comes from 2 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.

Last set on 1 May 2019.

fired by assets.items, assets.toolsTotal

Contract Works

Covers redoing work that is damaged on site before it is handed over.

Cover level
–
No level to set on this one
A month –
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 redoing work that is damaged on site before it is handed over. Turnover is not known, so this sum insured has to be declared rather than worked out.

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

3 of 3 switched on
Keep this estimate from £344/yr

Saved exactly as you have set it above. An estimate, not a quote: turning one into cover takes a person.

Nothing here emails you. A person reads it.

A premium leaving an account is visible. We can never show that something is missing.

Confirm 4 things 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.

Answered 0 of 4
Is this the right description of what the business does?
Found: Roofer
From Website, medium confidence. Changes: Public Liability, Professional Indemnity, Contract Works, Tools & Materials
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
Are these 2 items right, and is anything missing?
Found: £1,656 of tools at today's replacement cost
From Ledger, medium confidence. Changes: Tools & Materials
How this was worked out 2 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

0 ms in total
✓ Companies House Ridgeline Roofing Ltd (11482093), SIC 41202 0 ms
✓ Website Reads as roofer (high confidence), accreditations: CSCS 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

Roofer

medium confidence Website

Also reads as: Builder

The code filed at Companies House, 41202, says builder. The website reads as roofer. The website wins here, because a code set at incorporation goes stale and the work does not, but this is worth confirming.
Quoted from the site
  • We offer re-roofing, flat roof replacement, felt roofing, slating and tiling, leadwork, guttering,
  • fascias and soffits, and chimney repairs.
The record
Company number
11482093
Status
active
Incorporated
17 Apr 2018
Years trading
8
SIC codes
41202
Registered office
Unit 4, Pentwyn Industrial Estate, Cardiff
Active officers
PRICE, Gareth, PRICE, Sian
Legal form
limited company
What that would cost £28.69 to £44.87 a month, indicative
Indicative monthly, all lines
£28.69 to £44.87 / month

£344 to £538 a year across 2 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). Public Liability: £6.07 anchor × 2.5 trade risk × 1.6 cover level × 1 turnover. Tools & Materials: 7.5% a year on a £2,000 sum insured. 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
Makita 18v LXT 6-piece kit Power tools £931
Sievert hot air felt welding kit Power tools £725
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.