Business owner Swiftline Couriers Ltd switch Not a live product
Swiftline Couriers Ltd Read from 3 of 3 sources

Employers' Liability is legally required and no premium for it appears in these books

Wages are going out of the ledger, so at least one person is employed.

1 urgent2 to look at
What this cover would cost
from £285/yr

For the 3 switched on below, rising to about £447. 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
1

of the 3 below. The rest are your call.

Run another audit

Check these three

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

Sets which covers apply, and the price of each.

Turnover a year From the record
£150k–200k
Under £25k Over £1m

What liability cover is rated on.

People employed We guessed

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

Pick the cover you want

0 of 3 already held

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

from £285/yr

3 of 3 switched on

Employers' Liability Required by law

Wages are going out of the ledger, so at least one person is employed.

Cover level
£10,000,000
The statutory minimum is £5m
A month from £6.24 £75/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:

Wages are going out of the ledger, so at least one person is employed. A ledger cannot show how many, so the headcount still needs confirming. 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.

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 £13.26 £159/yr
not held
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 courier.

fired by trade.primary

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

3 of 3 switched on
Keep this estimate from £285/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 2 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 2
How many people does the business employ, excluding directors and partners?
Found: At least 1, from wages running at about £86,880 a year over 12 months
From Ledger, 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
This trade routes to a specialist product line
Carriage of goods for hire and reward needs the courier product, not standard PL.
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 Swiftline Couriers Ltd (12776301), SIC 53202 0 ms
✓ Website Reads as courier (high confidence) 0 ms
✓ Ledger 72 rows over 12 months. payroll £86,880/yr, subcontractors £25,200/yr 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

Courier

high confidence Website

Also reads as: Haulier / fleet

Filed SIC code 53202 and the website agree.

Quoted from the site
  • Multi-drop, pallet work and urgent courier runs for business customers.
The record
Company number
12776301
Status
active
Incorporated
3 Aug 2020
Years trading
6
SIC codes
53202
Registered office
9 Bardsley Close, Birmingham
Active officers
AHMED, Bilal
Legal form
limited company
Turnover
£150,001 to £200,000 (Ledger, high)
Payroll seen
£86,880 a year
Employees
1 (low confidence)
What that would cost £23.79 to £37.21 a month, indicative
Indicative monthly, all lines
£23.79 to £37.21 / month

£285 to £447 a year across 3 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: 1 employee at £5 for the first and £3.5 thereafter, × 1.60 trade risk. Public Liability: £6.07 anchor × 1.6 trade risk × 1 cover level × 1.75 turnover. Legal Expenses: flat £5.5. Band is ±22%.

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.