# Your cover

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

- Business: Swiftline Couriers Ltd (`swiftline-couriers`), fictional, with synthetic transactions
- Rendered from: https://itspickle.app/dashboard?demo=swiftline-couriers
- As JSON: https://itspickle.app/api/audit?demo=swiftline-couriers

## Where this business stands today

No cover level for this business appears in what was read. That is a statement about what this view was given, not about the business.

## 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 there is nothing on record to date against

Nothing has happened since the cover was last set.


### The decisions still standing

Nothing in what was read carries a date.


## 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.
- I have nothing on record for Public Liability, and my own figures come to £1,000,000.

## Findings

| Severity | Finding | Detail |
|---|---|---|
| attention | This trade routes to a specialist product line | Carriage of goods for hire and reward needs the courier product, not standard PL. |
| 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. |
| attention | No Public Liability recorded | Covers the cost when the work injures somebody else or damages their property. £1,000,000 is the usual level for a courier. |
| 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.