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.
Also reads as: Designer
Classified from filed SIC code 70210.
£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%.
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.
| Line | Filed | What it is |
|---|---|---|
| Employees, average over the year | 3 | A headcount and not a sum. The one figure here that decides a legal duty |
| Fixed assets | £1,771 | Book value after depreciation, not replacement cost |
| Current assets | £99,040 | Everything expected to turn into cash inside a year |
| Owed within one year | £50,672 | Creditors falling due inside twelve months |
| Net assets | £50,139 | What was held over what was owed |
Read straight out of the inline XBRL of the document filed on 22 Aug 2025, 60 tagged facts in it. £1,771 of fixed assets plus £48,368 of net current assets less £0 owed after a year comes to £50,139, against £50,139 of net assets on the face of it; net assets of £50,139 against total equity of £50,139, which agree.
An average of 3 employees. The PSC register shows 1 people with significant control, so the single owner-employee exemption does not apply. 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. That is the average over the year to 30 November 2024, filed on 22 August 2025. The register does not say what is true today.
As at 30 Nov 2024, so 21 months old. Filed on 22 Aug 2025.
Fixed assets are carried at written-down book value, which is what the business paid less depreciation, and it is not what replacing them would cost. So this is a floor on the insurable footprint rather than a sum insured: it says there is something to insure and it does not say for how much. As at 30 November 2024, filed 22 August 2025.
As at 30 Nov 2024, so 21 months old. Filed on 22 Aug 2025.
What the business held over what it owed at the balance-sheet date. Current assets of £99,040 against £50,672 falling due within the year, which is 1.95 times cover. As at 30 November 2024, filed 22 August 2025.
As at 30 Nov 2024, so 21 months old. Filed on 22 Aug 2025.
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 18 November 2021.
As at 18 Nov 2021, so 4.8 years old.
Forma House, 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.
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.