FERNBROOK GROUP LIMITED switch Not a live product

Public Liability is an exposure here

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

1 to look at
What this cover would cost
from £57/yr

For the 1 switched on below, rising to about £89. 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 1 below. The rest are your call.

Check these three

Everything below rests on them
What the business does We guessed
Not yet classified
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

1 suggested

Switch off anything you do not want. The figure at the top follows.

Public Liability

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

Cover level
A month from £4.73
not known
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. £1,000,000 is the level most policies of this kind are written at, and what this business actually does has not been established yet.

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

1 of 1 switched on
Keep this estimate from £57/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.

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 FERNBROOK GROUP LIMITED

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 fernbrook.co.uk, fernbrook.com, and none of them identifies itself as FERNBROOK GROUP LIMITED. 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
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.

0 of 4
Is this the right description of what the business does?
Found: Not yet classified
From Companies House, low 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
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

3209 ms in total
Companies House FERNBROOK GROUP LIMITED (11618357), 1 active officer, SIC 74909 234 ms
! Website Tried fernbrook.co.uk, fernbrook.com without finding a site that identifies itself as FERNBROOK GROUP LIMITED. Supply the website to read it. 2975 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.

Not yet classified

low confidence Companies House

Classified from filed SIC code 74909.

Company number
11618357
Status
active
Incorporated
11 Oct 2018
Years trading
7
SIC codes
74909
Registered office
Unit 302 The Finsbury Business Centre, 40 Bowling Green Lane, London, EC1R 0NE
Active officers
RAMDEEN, Dominic
Legal form
limited company
What that would cost £4.73 to £7.41 a month, indicative
£4.73 to £7.41 / month

£57 to £89 a year across 1 product. 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 cover level × 1 turnover. 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.

This is not the company that trades. FERNBROOK CONSULTING ENGINEERS LIMITED probably is

This company filed dormant accounts, so it did not trade in the period. FERNBROOK CONSULTING ENGINEERS LIMITED is active under the same director and is filed as Project manager, which is the only company in the group whose SIC code says anything.

Run the audit on FERNBROOK CONSULTING ENGINEERS LIMITED (11357125)

The last accounts filed, made up to 31 Oct 2024

the balance sheet adds up
LineFiledWhat it is
Net assets£1What was held over what was owed

Read straight out of the inline XBRL of the document filed on 28 Jul 2025, 29 tagged facts in it. net assets of £1 against total equity of £1, which agree.

RAMDEEN, Dominic runs 1 other active company exposure

FERNBROOK CONSULTING ENGINEERS LIMITED (Project manager). 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 22 Aug 2026, so today.

Net assets of £1 on the last balance sheet filed context

What the business held over what it owed at the balance-sheet date. As at 31 October 2024, filed 28 July 2025.

As at 31 Oct 2024, so 22 months old. Filed on 28 Jul 2025.

This company files dormant accounts, so it did not trade context

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 2024.

As at 31 Oct 2024, so 22 months old.

SIC 74909 says nothing about what this business does context

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 11 October 2018 and not necessarily touched since.

As at 11 Oct 2018, so 7.9 years old.

The rest of the group

Every company RAMDEEN, Dominic 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.

CompanyNumberFiled asStatus
FERNBROOK CONSULTING ENGINEERS LIMITED 11357125 Project manager active
Other companies file at this address

Unit 302 The Finsbury Business Centre, 40 Bowling Green Lane, London, EC1R 0NE 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 EC1R 0NE

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.