5 items have arrived on your register since, worth £7,517 to replace today. Nobody decided that. It is just what happens while nobody is looking.
The last number anybody put on this business was Employers' Liability at £10,000,000, on 1 Apr 2019.
Nothing is being said now that was not being said on 4 Jul 2026. 1 finding stopped being made, and what that does and does not mean is below.
One list, newest at the top. Everything on it already carries its own date: a cover level records when it was set, a piece of kit records when it was bought, and wages record the month they started. Putting them on one axis is the whole of this page, because whether anything has got worse is answered by which side of the line the recent rows are on.
| What | When |
|---|---|
| Power tools from Screwfix Direct Leeds £972 to replace today. | 27 Jan 2026 A bank line put it there |
| Fluke 1664FC multifunction tester £2,284 to replace today. | 14 Jul 2025 You added it |
| Power tools from Milwaukee M18 KIT £1,449 to replace today. | 8 Nov 2024 A bank line put it there |
| Power tools from Screwfix Direct £931 to replace today. | 21 Feb 2023 A bank line put it there |
| Power tools from Makita UK £1,881 to replace today. | 9 Jun 2021 A bank line put it there |
| Everything above happened after 1 Apr 2019 That is the last time anybody set a level on this cover. Below it is every decision that is still standing. | |
| Employers' Liability set at £10,000,000 Today the same data implies £10,000,000. | 1 Apr 2019 What is on record |
| Public Liability set at £2,000,000 Today the same data implies £5,000,000. | 1 Oct 2018 What is on record |
| Tools & Materials set at £2,500 Today the same data implies £8,000. | 1 Oct 2018 What is on record |
The kit above comes off your register, which is where a sum insured comes from. Check it is right, because a figure you send a broker is only as good as the list under it.
The list above is what your own dates say. This is the other reading: the same books, read twice, so a finding that has gone is the one piece of evidence this can ever have that you did something about it. Nothing you upload is kept to do this. What is kept is what this page told you, and when.
Tools & Materials, 3 months; Public Liability, 3 months; Contract Works, 3 months; Legal Expenses, 3 months.
Seeded, like everything else about this business. The prior reading is dated for the demo and its findings are the engine's own; nobody fixed anything, because this company does not exist.
Only you can do this bit. This prototype cannot buy cover, cannot change a sum insured and will never ring an insurer for you: every regulated step happens with an authorised insurer or broker, and it starts with you telling them a number. Here are the numbers, in a message you can send word for word.
I run Calder Electrical Services Ltd. I want to check 3 things on my cover:
Can you tell me where I actually stand on each of those, and what it would cost to put right?
Built from the figures above rather than written for you to agree with. If a line in it is wrong then a fact behind it is wrong, and the audit is where you put that right.
Nothing on this page sends it. That is not a missing feature: a page that contacted your insurer for you would be arranging cover, which this is not authorised to do, and which your accountant is not permitted to do on your behalf either.
What is above is a statement of demands and needs. It sets out what your own figures imply and where that differs from what you hold, so you can decide or ask a better question. It is not a personal recommendation, not a quote, and this prototype cannot bind cover.
Correcting a fact is worth more than adding a cover. Every figure above traces to a source, and a single wrong fact can move the whole position, which is why the audit shows its working rather than asserting a total.
At the same weight as everything above, because a limitation discovered at claim time is worth less than one printed next to the number it qualifies.
This ledger shows about £738 a year of insurance premiums, against an insurer named HISCOX. That confirms cover is being paid for. It does not say what the cover is, what it excludes, or whether the sums insured on it match the position above, because none of that appears in a bank line.
Payroll appears in 12 months of this ledger. That proves at least one employee. It does not show how many. The Employers' Liability (Compulsory Insurance) Act 1969 turns on having an employee at all, so the count does not change whether the duty applies, but it does change the price, and this page does not know it.
102 rows across 16 months, from the accounts connected to this view. Anything paid from an account that is not connected is invisible to every figure on this page, including the shortfall. The rows themselves are not here and never were: a bank export is read in the request that carried it and thrown away, and what survives is what it proved.
Cover levels here 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.
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.