That is a statement about what this view was given, not about the business. Nothing here can date a position it has never been shown, so the rest of this page is what has happened rather than what has changed.
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.
No cover level, no purchase and no payroll in what this view was given has a date it can place. That is a statement about what it was given, and it is the one state where this page has nothing to compare.
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.
The same findings, neither more nor fewer. That is not the same as being well covered: it means nothing has moved, which on this page is usually the point.
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 Swiftline Couriers Ltd. I want to check 2 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.
No insurance premium appears in this ledger. That is a statement about the ledger, not about the business. A policy paid once a year outside the 12 months this ledger covers, paid by direct debit from a personal account, or described in a way that matches no pattern would all look identical to this. Treat it as a question to ask, never as evidence that no cover exists.
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.
72 rows across 12 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.