What the books say this business needs, against what it is on record as holding. Only the lines marked required by law are a legal duty. The rest set out an exposure for the customer to decide about. This is the statement of demands and needs, and every line opens to say what put it there.
| Cover | Position | Held now | Indicated | Indicative, monthly |
|---|---|---|---|---|
|
Public Liability
exposure
WhyThis line rests on something the engine worked out, not on something the customer has confirmed. Covers the cost when the work injures somebody else or damages their property. £1,000,000 is the usual level for a not yet classified. fired by trade.primary |
not held | nothing | £1,000,000 | £4.73 to £7.41 |
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 wearehereldncic.co.uk, we-are-here-ldn-cic.co.uk, wearehereldncic.com, we-are-here-ldn-cic.com, and none of them identifies itself as WE ARE HERE (LDN) CIC. A business trading under a name other than the one it is registered under will not be found that way.
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.
Classified from filed SIC code 58190.
£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%.
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.
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.
CREATIVE GRACE LTD (Artist / maker). 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 21 Aug 2026, so today.
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 1 October 2025 and not necessarily touched since.
As at 1 Oct 2025, so 11 months old.
Every company BAZUAYE, Helen Esohe Oludolapo 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.
| Company | Number | Filed as | Status |
|---|---|---|---|
| CREATIVE GRACE LTD | 12787470 | Artist / maker | active |
32a Howard Road, Walthamstow, London, London, E17 4SJ 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.