The last number anybody put on this business was Tools & Materials at £3,000, on 1 May 2019. That is 7 years ago. Since then 6 items have arrived on your register, worth £7,300 to replace today. Nothing decided that. It is just what happens while nobody is looking.
One list, newest at the top. Everything on it carries its own date already: a cover level records when it was set, an item records when it was bought, and wages record the month they started. Putting them on one axis is the whole of this page, because the answer to whether anything has got worse is which side of the line the recent rows are on.
| What | When |
|---|---|
| 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. | March 2026 A bank line put it there |
| Power tools from Screwfix Direct Cardiff £1,272 to replace today. | 14 Feb 2026 A bank line put it there |
| Makita 18v LXT 6-piece kit £925 to replace today. | 3 Nov 2025 You added it |
| Power tools from Toolstation £434 to replace today. | 22 Sept 2025 A bank line put it there |
| Power tools from Dewalt Cordless KIT £1,280 to replace today. | 11 Jun 2024 A bank line put it there |
| Sievert hot air felt welding kit £720 to replace today. | 19 Mar 2024 You added it |
| Power tools from Screwfix Direct £2,669 to replace today. | 4 Aug 2023 A bank line put it there |
| Everything above happened after 1 May 2019 That is the last time anybody set a level on this cover. Below it is every decision that is still standing. | |
| Public Liability set at £2,000,000 Today the same data implies £5,000,000. | 1 May 2019 What is on record |
| Tools & Materials set at £3,000 Today the same data implies £7,500. | 1 May 2019 What is on record |
The items above come off your register, which is where the sum insured comes from. Check it is right, because a figure sent to 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.
Only you can do this bit. This prototype cannot bind cover, cannot change a sum insured and will never contact an insurer on your behalf: 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 Ridgeline Roofing Ltd. I want to check 5 things on my cover:
Can you tell me where I actually stand on each of those, and what it would cost to put right?
This page is a statement of demands and needs. It sets out what your data implies and where it differs from what you hold, so you can take an informed decision or put a better question to whoever arranges your cover. 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 £890 a year of insurance premiums, against an insurer named SIMPLY BUSINESS. 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 5 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.
110 rows across 14 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.