# Your cover

*The business owner, seeing where their cover stands today and what moved since anyone last looked.*

- Business: Calder Electrical Services Ltd (`calder-electrical`), fictional, with synthetic transactions
- Rendered from: https://itspickle.app/dashboard?demo=calder-electrical
- As JSON: https://itspickle.app/api/audit?demo=calder-electrical

## Where this business stands today

Nothing about the cover has changed since 1 Apr 2019. 5 things about the business have.

## What changed since last time

Against what was recorded on 4 Jul 2026:

- **Cleared**: No Own Plant recorded

## What was set, and what happened after

One axis, newest first. A cover level records when it was set, an item records when it was bought,
and wages record the month they started, so the split below is the last time anybody set a level and
everything above it happened after.

### Since 1 Apr 2019

| When | What | Detail | Source |
|---|---|---|---|
| 27 Jan 2026 | Power tools from Screwfix Direct Leeds | £966 to replace today. | A bank line put it there |
| 14 Jul 2025 | Fluke 1664FC multifunction tester | £2,269 to replace today. | You added it |
| 8 Nov 2024 | Power tools from Milwaukee M18 KIT | £1,440 to replace today. | A bank line put it there |
| 21 Feb 2023 | Power tools from Screwfix Direct | £925 to replace today. | A bank line put it there |
| 9 Jun 2021 | Power tools from Makita UK | £1,869 to replace today. | A bank line put it there |

### The decisions still standing

| When | What | Detail | Source |
|---|---|---|---|
| 1 Apr 2019 | Employers' Liability set at £10,000,000 | Today the same data implies £10,000,000. | What is on record |
| 1 Oct 2018 | Public Liability set at £2,000,000 | Today the same data implies £5,000,000. | What is on record |
| 1 Oct 2018 | Tools & Materials set at £2,500 | Today the same data implies £7,500. | What is on record |

## What this cannot see

A ledger shows a premium leaving an account. It cannot show the absence of insurance. A cover line
this page does not mention is one no premium appears for in the transactions this audit was given,
which is a different statement from the business being uninsured. Payroll proves at least one
employee and never how many, and where the file does not show this business trading before the first
wage went out, the month wages started is not stated at all rather than guessed.

Cover levels come from what has been recorded, not from reading the policy documents. Exclusions,
conditions, excesses and any average clause are not visible to this engine, and they are usually
what decides a claim.

## What to do about it

Only the business can do this, and nothing here does it for them: a page that contacted an insurer
would be arranging cover. The message to send whoever arranges it:

- Tools & Materials is at £2,500, set 1 Oct 2018. My own figures now come to £7,500.
- Public Liability is at £2,000,000, set 1 Oct 2018. My own figures now come to £5,000,000.
- I have nothing on record for Contract Works, and my own figures come to £35,000.

## Findings

| Severity | Finding | Detail |
|---|---|---|
| urgent | Tools & Materials is insured for £2,500 against an indicated £7,500 | That is a shortfall of £5,000, about 67%, and the sum insured was last set in October 2018. Where a policy carries an average clause, a shortfall of this size can reduce every settlement by the same proportion, including partial losses well below the sum insured. |
| attention | Public Liability is held at £2,000,000 against an indicated £5,000,000 | A liability limit pays in full up to the limit and nothing above it, so this is not a proportional shortfall like an under-set sum insured. It is the point at which a large claim stops being covered, and the limit was last set in October 2018. |
| attention | No Contract Works recorded | Covers redoing work that is damaged on site before it is handed over. Sized at about a quarter of annual turnover, which is a working estimate of the biggest job likely to be open at any one time. |
| good | No Legal Expenses recorded | 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. |

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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.