Demo sample. Written for a fictional company to show the exact deliverable format — no real client is implied. All samples

DEMO SAMPLE — written for a fictional company

Granton Cover Ltd is not a real firm. This article demonstrates WrittenRank's standard deliverable. Legal requirements cited are real UK law (Employers' Liability (Compulsory Insurance) Act 1969 and Regulations 1998; Road Traffic Act 1988); penalty figures are HSE's published maxima.

1. Client brief (as submitted)

2. Meta

3. Article (~1,300 words)

What insurance does a UK limited company legally need?

UK law compels a limited company to hold only two insurances, and only in specific circumstances: employers' liability insurance (minimum £5 million of cover) the moment it has anyone working for it who isn't an exempt family-member or majority shareholder, and motor insurance for any vehicle it puts on the road. Everything else — public liability, professional indemnity, cyber, contents — is either demanded by a regulator, required by a contract, or simply prudent. Directors get into trouble in two ways: assuming "we're too small to need employers' liability", and assuming "not legally required" means "not needed". This article separates the three categories cleanly.

Is employers' liability insurance a legal requirement?

Yes — and it's the one small companies most often get wrong. Under the Employers' Liability (Compulsory Insurance) Act 1969, an employer must be insured for at least £5 million against injury or disease suffered by employees in the course of their work, with the policy from an authorised insurer. In practice most policies are written at £10 million.

The traps sit in the word "employee". The duty can be triggered by people who are not on payroll in the everyday sense:

And the main exemptions, which are narrower than directors assume:

The penalty for getting it wrong: the Health and Safety Executive can fine an uninsured employer up to £2,500 for every day without proper cover, and up to £1,000 for failing to display or produce the certificate. Those are the enforcement maxima; the larger real-world risk is an injury claim with no insurer behind you.

When is motor insurance the company's problem?

Whenever the company owns, leases or operates vehicles: third-party cover is compulsory under the Road Traffic Act 1988, exactly as for private motorists. The commonly missed exposure is the opposite case — staff using their own cars for work errands. That's "business use", it needs to be on the employee's own policy, and prudent employers verify it rather than assume it. Firms with more than a handful of drivers typically move to a motor fleet policy plus occasional business-use checks.

What insurance do regulators and contracts require?

Not law for everyone — but mandatory for you, if one of these applies:

The discipline that keeps this simple: keep a one-page register of every contract, lease and regulator that imposes an insurance condition, with the cover level and expiry date. Most compliance failures here are diary failures, not money failures.

What cover is optional but usually sensible?

Judged case by case — an honest broker will tell you when the answer is "skip it":

What should a director actually do this month?

  1. Check the two legal covers first. If anyone works for the company beyond an exempt majority-shareholder director: employers' liability, minimum £5m, certificate available. Any vehicles: motor cover matching actual use.
  2. Sweep contracts, leases and regulators for imposed insurance conditions and put them on one page with renewal dates.
  3. Match cover levels to today's business, not the business you had at the last renewal — headcount, turnover, new services and new premises all move the requirement.
  4. Declare accurately. Understating headcount or activities to save premium is the classic way to have a valid-looking policy fail at claim time.

Granton Cover reviews all of the above as a fixed-scope written audit — no meetings required. (Demo CTA — fictional firm.)

4. JSON-LD

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5. Internal-link suggestions