# Your cover *The business owner, seeing where their cover stands today and what moved since anyone last looked.* - Business: Ridgeline Roofing Ltd (`ridgeline-roofing`), fictional, with synthetic transactions - Rendered from: https://itspickle.app/dashboard?demo=ridgeline-roofing - As JSON: https://itspickle.app/api/audit?demo=ridgeline-roofing ## Where this business stands today Nothing about the cover has changed since 1 May 2019. 7 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 May 2019 | When | What | Detail | Source | |---|---|---|---| | 2026-03 | Wages start going out of the account | That is the month Employers' Liability stopped being optional. It proves at least one person is employed, never how many. | A bank line put it there | | 14 Feb 2026 | Power tools from Screwfix Direct Cardiff | £1,272 to replace today. | A bank line put it there | | 3 Nov 2025 | Makita 18v LXT 6-piece kit | £925 to replace today. | You added it | | 22 Sept 2025 | Power tools from Toolstation | £434 to replace today. | A bank line put it there | | 11 Jun 2024 | Power tools from Dewalt Cordless KIT | £1,280 to replace today. | A bank line put it there | | 19 Mar 2024 | Sievert hot air felt welding kit | £720 to replace today. | You added it | | 4 Aug 2023 | Power tools from Screwfix Direct | £2,669 to replace today. | A bank line put it there | ### The decisions still standing | When | What | Detail | Source | |---|---|---|---| | 1 May 2019 | Public Liability set at £2,000,000 | Today the same data implies £5,000,000. | What is on record | | 1 May 2019 | Tools & Materials set at £3,000 | 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: - I have nothing on record for Employers' Liability, and my own figures come to £10,000,000. - Tools & Materials is at £3,000, set 1 May 2019. My own figures now come to £7,500. - I have nothing on record for Hired in Plant. - Public Liability is at £2,000,000, set 1 May 2019. My own figures now come to £5,000,000. - I have nothing on record for Contract Works, and my own figures come to £95,000. ## Findings | Severity | Finding | Detail | |---|---|---| | urgent | Employers' Liability is legally required and is not held | Wages are going out of the ledger, so at least one person is employed. A ledger cannot show how many, so the headcount still needs confirming. 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. | | urgent | Tools & Materials is insured for £3,000 against an indicated £7,500 | That is a shortfall of £4,500, about 60%, and the sum insured was last set in May 2019. 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 | No Hired in Plant recorded | Covers hired plant and machinery if it is stolen or damaged. The hire agreement normally makes whoever hired it responsible while it is on site, and hired items never appear in the business's own asset register, so nothing else on this page would catch them. | | 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 May 2019. | | 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. | --- 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.