INITIAL STACK LTD switch Not a live product

Public Liability is an exposure here

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

2 to look at
What this cover would cost
from £237/yr

For the 3 switched on below, rising to about £371. 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 3 below. The rest are your call.

Check these three

Everything below rests on them
What the business does From the record
Software developer
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

3 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 £4.92
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. Set at £5,000,000 because commercial sites normally require it in the contract.

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, operations.locationTypes

Professional Indemnity

Covers the cost when advice, a design or a piece of professional work loses a client money and they come after it.

Cover level
A month from £10.53
not known
Why

The statement of demands and needs for this line, in full:

Covers the cost when advice, a design or a piece of professional work loses a client money and they come after it. The level is sized to the contracts this business is likely to be signing.

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, financials.turnoverBand

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
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 legal bill when there is a dispute. Commercial contracts bring arguments about the contract, and invoices that have to be chased.

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 operations.locationTypes

3 of 3 switched on
Keep this estimate from £237/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.

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.

0 of 2
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
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 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

878 ms in total
Companies House INITIAL STACK LTD (16407342), 1 active officer, SIC 62012 512 ms
Website Found and verified initialstack.com. The site identifies itself as INITIAL STACK LTD. Read 1 page from https://initialstack.com. Reads as software developer (high confidence) 366 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.

Software developer

high confidence Website

Also reads as: Designer, Architect

Filed SIC code 62012 and the website agree.

  • Spanning travel and hospitality platforms, SaaS, social games, B2B marketplaces, and developer tools.
  • React, Next.js, Laravel, Python, Node, and the cloud infrastructure to support them.
  • 1 Kickstart & Align Get strategic clarity on user, problem, and scope.
  • 4 Launch & Learn Deliver, measure, iterate with feedback loop built in.
Company number
16407342
Status
active
Incorporated
24 Apr 2025
Years trading
1
SIC codes
62012
Registered office
12 Kings Gate, Horsham, RH12 1AE
Active officers
ALVI, Aleem Azhar
Legal form
limited company
What that would cost £19.74 to £30.88 a month, indicative
£19.74 to £30.88 / month

£237 to £371 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 × 0.65 trade risk × 1.6 cover level × 1 turnover. Professional Indemnity: £13.5 at £250,000 × 1 cover level × 1 turnover (dampened). Legal Expenses: flat £5.5. 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.

No figures were read from a filed account

No accounts have been filed yet. A company incorporated in the last twenty-one months may genuinely have none due, which is not a finding about it.

ALVI, Aleem Azhar runs 1 other active company exposure

3A TELECOM CONSULTANCY LTD. 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.

Filed as Software developer, under SIC 62012 context

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 24 April 2025.

As at 24 Apr 2025, so 16 months old.

The rest of the group

Every company ALVI, Aleem Azhar 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
3A TELECOM CONSULTANCY LTD 10835754 a SIC code that says nothing active
Other companies file at this address

12 Kings Gate, Horsham, RH12 1AE 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 RH12 1AE

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.