# Your cover

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

- Business: Northgate Advisory Ltd (`northgate-advisory`), fictional, with synthetic transactions
- Rendered from: https://itspickle.app/dashboard?demo=northgate-advisory
- As JSON: https://itspickle.app/api/audit?demo=northgate-advisory

## Where this business stands today

Nothing about the cover has changed since 1 Mar 2024. 2 things about the business have.

## What changed since last time

Nothing, against what was recorded on 4 Jul 2026.

## 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 Mar 2024

| When | What | Detail | Source |
|---|---|---|---|
| 2 Mar 2026 | IT equipment from Apple UK Macbook PRO | £2,400 to replace today. | A bank line put it there |
| 18 Aug 2025 | IT equipment from Dell UK Latitude X2 | £1,890 to replace today. | A bank line put it there |

### The decisions still standing

| When | What | Detail | Source |
|---|---|---|---|
| 1 Mar 2024 | Professional Indemnity set at £1,000,000 | Today the same data implies £2,000,000. | What is on record |
| 1 Jul 2022 | Employers' Liability set at £10,000,000 | Today the same data implies £10,000,000. | 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:

- I have nothing on record for Public Liability, and my own figures come to £5,000,000.
- Professional Indemnity is at £1,000,000, set 1 Mar 2024. My own figures now come to £2,000,000.

## Findings

| Severity | Finding | Detail |
|---|---|---|
| attention | No Public Liability recorded | 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; turnover this size comes with bigger jobs. |
| attention | Professional Indemnity is held at £1,000,000 against an indicated £2,000,000 | 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 March 2024. |
| 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.