insurance-compare

---
name: insurance-compare
description: Turns your existing cover into one written specification — limits, excesses, indemnity periods, warranties, sums insured and the basis of settlement — so every broker and insurer quotes the same thing and the cheapest number is not simply the one with the least cover. Use at renewal, when you are asked to get three quotes, or when a premium jumps and you cannot tell whether the cover moved with it.
---

# The same cover, quoted properly

You give me what you already buy: the schedule, the last renewal invitation, the proposal form or statement of fact you filled in, and what your place actually is — how many covers, what hours, what you own, what you owe, who works for you, what would stop you trading. Photos of the schedule are fine. You get back one document: a written specification of cover with a number against every line, the basis of settlement stated for every sum insured, every warranty and condition precedent listed as something you have to be able to live with, the disclosure you are making written out in full, and a blank comparison grid with one column per quote and the same rows down the side. Then a quote that is cheaper is cheaper for a reason you can read, instead of cheaper because something quietly came off the sheet.

## What it does

1. **Write the presentation of the risk first, because it is the part the law puts on you and the part that voids claims.** Before any limits or numbers, write out what the business is: trading name, entity, addresses, what happens at each one, opening hours, late licence, covers or bedrooms, kitchen equipment and extraction, whether you do outside catering, functions, deliveries, festivals or pop-ups, whether anyone lives above, the construction of the building, how old the wiring and the flat roof are, what you have claimed for in the past ten years, every conviction, every previous refused or cancelled policy, and every near-miss you would rather not mention. The Insurance Act 2015, section 3(1), puts the duty on you and not on your broker: "Before a contract of insurance is entered into, the insured must make to the insurer a fair presentation of the risk." Section 7(3) is the test for what belongs in it: "A circumstance or representation is material if it would influence the judgement of a prudent insurer in determining whether to take the risk and, if so, on what terms." Written once, this section is reusable — section 7(1) confirms "A fair presentation need not be contained in only one document or oral presentation" — and every insurer you approach gets the identical text, which is the whole point.

2. **Do the reasonable search, and name who you asked, because "nobody told me" is not a defence.** Section 4(6) of the Act sets the standard: "Whether an individual or not, an insured ought to know what should reasonably have been revealed by a reasonable search of information available to the insured (whether the search is conducted by making enquiries or by any other means)." For a company that reaches beyond the owner — section 4(3) says the insured "knows only what is known to one or more of the individuals who are (a) part of the insured's senior management, or (b) responsible for the insured's insurance", and section 4(8)(c) defines senior management as "those individuals who play significant roles in the making of decisions about how the insured's activities are to be managed or organised". So ask the head chef about the extraction and the fryers, the general manager about the door incidents and the licence reviews, the bookkeeper about the last three years of turnover and stock, your landlord or managing agent about the building, and your accountant about gross profit. Write down who you asked and on what date. And section 6(1) closes the obvious escape: knowledge "include[s] not only actual knowledge, but also matters which the individual suspected, and of which the individual would have had knowledge but for deliberately refraining from confirming them or enquiring about them". Deliberately not looking is treated as knowing.

3. **State the basis of settlement beside every sum insured, in words, before you state the figure.** A sum insured means nothing until you say what it is supposed to buy. Buildings on a full reinstatement basis, contents and trade equipment on a replacement-as-new basis, glass, stock at cost, tenant's improvements, computers, refrigeration, the extraction system, the cellar cooling, the outside furniture, the marquee, the till and booking systems. For buildings, the Financial Ombudsman Service sets out the figure an insurer is actually asking for when it asks the question well: "how much would it cost to rebuild your home: the value shown should be the present day rebuilding cost including debris removal; architects', surveyors' and consultants' costs, legal fees and VAT; and the additional cost of complying with government requirements". Translate that to a commercial property and a leased unit and it is the figure your broker and, where the value is significant, a surveyor should confirm — not the price you paid, not the sale price of the unit next door, and not last year's number carried forward. Say beside each line where the figure came from and what date it was assessed.

4. **Name the average condition, or establish in writing that there is not one, because this is where a paid premium buys a part-paid claim.** Underinsurance rarely produces a refused claim; it produces a reduced one, and owners find out at the loss adjuster's visit. The Ombudsman's own worked example is blunt about the arithmetic: a rebuild estimate given as £400,000 where the real figure was nearer £800,000, and "Because of this, the insurer applied the average clause and settled the claim at 50% of full value — aligned with how much Barry was underinsured." That case was a consumer, and it went better than the policy wording alone would have allowed: "The insurer said it would have charged £700 rather than £600 for the policy if it had been given a reasonable estimate. We decided the insurer shouldn't reduce the settlement based on the 50% underinsurance. Instead, we thought it was fair for the insurer to base it on the premium amount, paying out 85% of the total claim value." A commercial policy is not obliged to be that generous by default, so put one line in the specification against every sum insured: is there an average or underinsurance condition, what exactly does it say, and is there a declared-value or day-one-uplift arrangement instead. Ask for the wording, not the summary.

5. **Know the difference between the Act's proportionate remedy and a policy clause that takes it away.** If your presentation turns out to have been wrong and the insurer would have charged more, the Act's answer is proportionate: Schedule 1, paragraph 6(1) says "the insurer may reduce proportionately the amount to be paid on a claim", and 6(2) defines that as meaning "the insurer need pay on the claim only X% of what it would otherwise have been under an obligation to pay under the terms of the contract". If the breach was deliberate or reckless, paragraph 2 is not proportionate at all — the insurer "may avoid the contract and refuse all claims, and need not return any of the premiums paid". But a commercial policy is allowed to contract out of the Act's remedies and leave you worse off, and section 16(2) permits it only where section 17 is satisfied: the insurer "must take sufficient steps to draw the disadvantageous term to the insured's attention before the contract is entered into or the variation agreed", and "The disadvantageous term must be clear and unambiguous as to its effect." The Ombudsman asks insurers for exactly this when a small business complains, listing among the evidence it expects "how the terms were made clear to the customer that underinsurance would put them in a worse position than the redress allowed under the Insurance Act 2015". So the specification carries a line per quote: does this wording contract out of the Insurance Act 2015 remedies, and where is that term.

6. **Write the business interruption section as a sentence about your worst month, not a number you were asked for.** This is the cover most often wrong in hospitality, because the figure is a calculation and the indemnity period is a guess. Specify the basis — gross profit as the policy defines it, not as your accountant does — the sum insured, the indemnity period in months, and what you have assumed about how long it would actually take to strip out, rebuild, refit, re-licence, restaff and get a Saturday night back to where it was. Twelve months is the default in the market and is frequently short for a venue that needs a planning consent, a listed-building consent or a new extraction run. The Ombudsman's evidence list for commercial underinsurance complaints puts the burden squarely on what you told your broker, expecting to see "confirmation the customer had made clear to the broker what the figures for business interruption cover should reflect". So put it in the specification in your own words, in writing, with the assumptions named, and make the broker confirm the definition matches. A twelve-month indemnity period on a twenty-four-month rebuild is not a cheaper policy; it is half a policy.

7. **Employers' liability is the one line in the whole document that is not a commercial choice.** Section 1(1) of the Employers' Liability (Compulsory Insurance) Act 1969 requires that "every employer carrying on any business in Great Britain shall insure, and maintain insurance, under one or more approved policies with an authorised insurer or insurers against liability for bodily injury or disease sustained by his employees, and arising out of and in the course of their employment in Great Britain in that business". The amount is fixed by regulation 3(1) of the Employers' Liability (Compulsory Insurance) Regulations 1998: the cover "shall be, or shall in aggregate be not less than £5 million" for a claim arising out of any one occurrence and the costs and expenses of it. HSE's guide for employers adds what the market actually does and what it costs to get wrong: "You must be insured for at least £5 million. However, you should look carefully at your risks and liabilities and consider whether you need insurance cover of more than £5 million. In practice, most insurers offer cover of at least £10 million", and "You can be fined up to £2500 for any day which you are without suitable insurance." GOV.UK states the display duty in the same breath as its penalty: display the certificate "where employees can access it (for example at your workplace, on your website or work intranet)" and show it to inspectors, and "If you do not, you could be fined £1,000." Note in the specification who counts as an employee for this purpose — casuals, agency cover, kitchen porters on a rota, family members — because that is a question of the real relationship and not of what you call them, and get it confirmed rather than assumed.

8. **List every warranty and condition precedent as an operational commitment, and price the ones you cannot keep.** This is the quiet difference between two quotes that look identical. A cheaper policy often carries a fire-alarm warranty, a locks-and-protections warranty, a deep-fat-fryer or extraction-cleaning warranty with a frequency attached, a sprinkler or suppression condition, an unoccupancy condition with a number of days in it, or a burglar-alarm-set condition. Section 10(2) of the Insurance Act 2015 sets out what a live breach does: "An insurer has no liability under a contract of insurance in respect of any loss occurring, or attributable to something happening, after a warranty (express or implied) in the contract has been breached but before the breach has been remedied." Cover suspends while you are in breach and comes back when you fix it — better than the old law, and still enough to lose a whole claim that lands in the gap. Section 11 limits it where the breach is beside the point: a term is unenforceable against you for a given loss if you show "that the non-compliance with the term could not have increased the risk of the loss which actually occurred in the circumstances in which it occurred". That is a defence, not a plan. So each warranty gets a row: what it requires, how often, who in the business does it, where it is recorded, and whether the ducting contractor or alarm maintainer you already use meets it. A warranty nobody in the building has read is a premium saving you have not actually made.

9. **Build the comparison grid before you ask for a single quote, one column per quote and identical rows down the side.** Sections in order: each cover, the limit, the sub-limits, the excess, the basis of settlement, the average condition, the warranties, the indemnity period, the territorial limits, the exclusions that differ, the claims service, and the total premium with insurance premium tax and every fee shown separately. Then a final row for what is missing that the specification asked for. The FCA's rule already entitles you to the information — ICOBS 6.1.5R(1): "A firm must ensure that a customer is given appropriate information about a policy in good time and in a comprehensible form so that the customer can make an informed decision about the arrangements proposed" — and ICOBS 6.1.6G(3) confirms that the rule applies "to the price of the policy". For a business rather than a household, ICOBS 6.1.7A G says a firm dealing with a commercial customer "should include the IPID information (regardless of whether an IPID itself is provided)", and ICOBS 6.1.7G(2) lists what the level of information turns on, including "the policy terms, including its main benefits, exclusions, limitations, conditions and its duration". Your specification is also doing the broker's own regulatory job for them in advance: under ICOBS 5.2.2R(1) a firm "must specify, on the basis of information obtained from the customer, the demands and the needs of that customer", and ICOBS 5.2.2R(3) requires that "A statement of the demands and needs must be communicated to the customer prior to the conclusion of a contract of insurance". Read that statement when it arrives and check it describes your place.

10. **Run the renewal on a calendar, and do not rely on the renewal rules you have heard about — they are written for households.** Put four dates in the diary: sixty days out, send the specification to your broker and to any second broker you want quoting, telling each which insurers they are approaching so two brokers do not both go to the same one and jam the market; thirty days out, quotes back on the grid; fourteen days out, decide and ask for the full wording of the one you are taking, not the summary; renewal day, check the certificate and the schedule against the specification line by line. The FCA renewal disclosure rule you may have read about does not apply to you: ICOBS 6.5.1R(1) opens "This section applies when a firm proposes to a consumer the renewal of a general insurance contract, which is not a group policy, and which has a duration of 10 months or more." A restaurant, bar, hotel or pub buying commercial cover is not a consumer, so nobody is obliged to print last year's premium next to this year's for you, and nobody is obliged to send you the fourth-renewal warning that consumers get — the one that reads "You have been with us a number of years. You may be able to get the insurance cover you want at a better price if you shop around." You have to do that comparison yourself, which is what the grid is for. The one substantive protection the consumer rule names is worth borrowing as a habit anyway: it requires a statement telling the customer they "should check that the level of cover offered by the renewal is appropriate for their needs".

## Then it checks

1. Every cover in the specification has a limit with a currency and a unit, an excess, and a named basis of settlement. No line reads "as per schedule", "standard", "full value", "adequate" or "as before".
2. Every sum insured carries the date it was assessed and who assessed it, or an explicit "to be confirmed by our broker or a surveyor before we rely on this". No figure has been carried forward from last year without being marked as carried forward.
3. Every sum insured has an answer beside it to the average question: the condition is quoted, or the specification says it is absent, or it says the wording has been requested and not yet seen. None is left blank.
4. The business interruption section states the basis, the sum insured, the indemnity period in months, and the assumptions behind the indemnity period in the owner's own words. The indemnity period is not a number that arrived from anywhere other than that reasoning.
5. Every warranty and condition precedent has a named person in the business against it and a place the evidence is recorded. Any warranty with no owner is flagged in the grid as a reason the quote carrying it is not comparable.
6. The presentation of the risk names who was asked, what they were asked about and on what date, and includes claims, convictions, previous refusals and cancellations, or says explicitly that there are none.
7. Employers' liability appears with a limit of not less than £5 million, or the specification states in one sentence why this business has no employees within the meaning of the 1969 Act and names who confirmed that.
8. The comparison grid has one column per quote and identical rows, the premium row shows tax and fees separately, and every quote that departs from the specification has its departure written on the grid rather than absorbed into the price.
9. The document states on its face that it is a working specification for the owner's broker to price and confirm, and that the policy wording decides what is covered.

Any check fails: name it, redo that step once. Failed twice: say what is wrong and stop.

## Rules
- Public information only.
- Never invent a fact, a number or a quote.
- Anything sent in someone's name says whose name it is.
- Never name an insurer, never recommend one, never suggest a market or a scheme, and never state or estimate a premium. This skill produces the specification that others price; the moment it names a price or a provider it is doing something it is not qualified or permitted to do.
- Never state a statutory minimum, a penalty or a required limit that has not been read off legislation.gov.uk, HSE or GOV.UK and cited on the page. An invented compulsory figure is the most dangerous output this skill could produce, because it will be treated as settled and quoted back to a broker.
- Never write a sum insured, a rebuild cost, a gross profit figure or an indemnity period that the owner did not give or that a named professional did not assess. Filling in a plausible number is how underinsurance is created, not avoided.
- Never describe cover as adequate, sufficient, compliant or the best value. Only the policy wording and the insurer decide what is covered, and whether a limit is enough is a judgement for the owner with their broker.
- Never treat a cheaper quote as a better one without the departure written down. A quote that is cheaper because a warranty was added, an indemnity period shortened or a sub-limit introduced is not the same product, and the whole purpose of this document is to make that visible.
- Do not audit the existing policy for gaps here. Reading the cover the owner already has and finding what is missing is a different job with a different output; this skill specifies what to buy and compares what comes back.
- Note that the Employers' Liability (Compulsory Insurance) Act 1969 and its 1998 Regulations apply to Great Britain. Northern Ireland has its own corresponding law, and the skill should say so rather than let an owner in Belfast assume these provisions are theirs.
- If a dispute arises later, the Financial Ombudsman Service is only open to some businesses. Under DISP 2.7.3R an eligible complainant must be, among others, "a consumer" or "a micro-enterprise", and the Service describes a micro-enterprise as a business which "employs fewer than 10 people, and has annual turnover or a balance sheet that does not exceed €2 million", and a small business as one which "is not a micro-enterprise", "has an annual turnover of less than £6.5 million and has a balance sheet total of less than £5 million, or employs fewer than 50 people". Never tell an owner they are covered by the Ombudsman without saying the thresholds exist and that linked companies count towards them.
- This output is a working document prepared for the owner's FCA-authorised insurance broker to price, challenge and confirm before it is relied on. It is not insurance advice, not legal advice, and not a policy. Only the policy wording and the insurer decide what is covered.

## Built from
- Legislation.gov.uk, "Insurance Act 2015, Part 2: The duty of fair presentation, sections 3 to 7", https://www.legislation.gov.uk/ukpga/2015/4/part/2, read 15 September 2026: section 3(1) the duty itself, 3(3) and 3(4) what a fair presentation consists of, 4(3), 4(6) and 4(8)(c) on whose knowledge counts and the reasonable search, 6(1) on deliberately not looking, and 7(1) and 7(3) on materiality and on the presentation not needing to be one document. These are steps 1 and 2 and the reason the presentation is written before any number.
- Legislation.gov.uk, "Insurance Act 2015, section 8 and Schedule 1", https://www.legislation.gov.uk/ukpga/2015/4/section/8 and https://www.legislation.gov.uk/ukpga/2015/4/schedule/1, read 15 September 2026: section 8(1) on when an insurer has a remedy at all, 8(5) on deliberate or reckless breach, Schedule 1 paragraph 2 on avoidance with premiums retained, and paragraph 6 on proportionate reduction. This is step 5.
- Legislation.gov.uk, "Insurance Act 2015, sections 10, 11, 16 and 17", https://www.legislation.gov.uk/ukpga/2015/4/section/10, /11, /16 and /17, read 15 September 2026: section 10(2) on suspensive breach of warranty and 11(3) on terms not relevant to the actual loss, which are step 8; sections 16(2) and 17(2) to (3) on contracting out and the transparency requirements, which are step 5's contracting-out line.
- Legislation.gov.uk, "Employers' Liability (Compulsory Insurance) Act 1969, section 1", https://www.legislation.gov.uk/ukpga/1969/57/section/1, read 15 September 2026: the compulsory insurance duty quoted in step 7, and the definitions of "approved policy" and "authorised insurer" in section 1(3).
- Legislation.gov.uk, "The Employers' Liability (Compulsory Insurance) Regulations 1998, regulations 3 and 5", UK Statutory Instruments 1998 No. 2573, https://www.legislation.gov.uk/uksi/1998/2573/regulation/3/made and /regulation/5/made, read 15 September 2026: the £5 million aggregate minimum per occurrence including costs and expenses, the group-company aggregation rule, and the duty to display copies of the certificate at each place of business until it expires. Step 7.
- Health and Safety Executive, "Employers' Liability (Compulsory Insurance) Act 1969: A brief guide for employers", leaflet HSE40(rev4), https://www.hse.gov.uk/pubns/hse40.pdf, read 15 September 2026: the practical £5 million versus £10 million market point, the conditions an insurer may not impose, the guidance on who counts as an employee, and the £2,500-per-day and £1,000 penalties, all in step 7. Note the leaflet still refers to the Financial Services Authority and fsa.gov.uk, which no longer exist; the authorisation register is now the FCA's.
- GOV.UK, "Employers' liability insurance", https://www.gov.uk/employers-liability-insurance, read 15 September 2026: the current statement of the £5 million minimum, the family-member and overseas-employee exemptions, the certificate display duty and the £2,500-a-day and £1,000 fines, used in step 7 to corroborate the older HSE leaflet and to point at the FCA register rather than the FSA one.
- FCA Handbook, ICOBS 6.1 "Providing product information to customers: general", https://www.handbook.fca.org.uk/handbook/ICOBS/6/1.html, section last updated 27 July 2026, read 15 September 2026: ICOBS 6.1.5R(1) the appropriate information rule, 6.1.6G on its application at renewal and to price, 6.1.7G on what the level of information turns on, and 6.1.7A G on commercial customers and IPID information. Step 9.
- FCA Handbook, ICOBS 5.2 "Demands and needs", https://www.handbook.fca.org.uk/handbook/ICOBS/5/2.html, read 15 September 2026: ICOBS 5.2.2R(1) and (3) on specifying and communicating the customer's demands and needs, and 5.2.2BR requiring the proposed contract to be consistent with them. Step 9, and the reason a written specification is the owner's half of a duty the broker already has.
- FCA Handbook, ICOBS 6.5 "Renewals", https://www.handbook.fca.org.uk/handbook/ICOBS/6/5.html, section last updated 1 January 2022, read 15 September 2026: ICOBS 6.5.1R(1) which limits the whole section to consumers, 6.5.1R(3)(c)(i) the check-your-level-of-cover statement, and 6.5.1R(4) the fourth-renewal shop-around wording. Step 10, cited to show what a commercial buyer does not get.
- Financial Ombudsman Service, "Underinsurance in home insurance complaints", https://www.financial-ombudsman.org.uk/businesses/complaints-deal/insurance/home-buildings-insurance/underinsurance-home-insurance-complaints, read 15 September 2026: the rebuild-cost wording quoted in step 3, the evidence the Service asks commercial insurers for including the business interruption and Insurance Act 2015 contracting-out points in steps 5 and 6, and the "applying average" terminology in step 4.
- Financial Ombudsman Service, case study "Underinsurance issues reduce a buildings insurance claim payout by 50%", https://www.financial-ombudsman.org.uk/businesses/resolving-complaint/case-studies/consumer-complains-impact-underinsurance, read 15 September 2026: the worked arithmetic of average and the Service's substituted proportionate-premium outcome, quoted in step 4. This is a consumer case and the skill says so on the page.
- FCA Handbook, DISP 2.7 "Is the complainant eligible?", https://www.handbook.fca.org.uk/handbook/DISP/2/7.html, read 15 September 2026, and Financial Ombudsman Service for small businesses, "Who we can help", https://sme.financial-ombudsman.org.uk/complain/can-help, read 15 September 2026: DISP 2.7.3R on eligible complainants, DISP 2.7.4G on linked and partner enterprises, and the micro-enterprise and small-business thresholds quoted in the rules.

# insurance-compare

## You are given
A folder for one UK hospitality business going to market: the current policy schedule, last year's renewal invitation, the proposal form or statement of fact, the employers' liability certificate, any endorsements and subjectivity letters, the owner's written description of the place - addresses, opening hours, late licence, covers or bedrooms, kitchen equipment and extraction, outside catering, functions, deliveries, festivals and pop-ups, who lives above, the construction of the building, the age of the wiring and the flat roof - the claims history, and, as quotes come back later, the quote documents themselves. Claude has already done the judgement: what the business actually is, what the indemnity period reasoning has to be, and which warranties the owner can live with. That decided material arrives as a text, CSV or Markdown file in the same folder. Codex writes the specification every broker will quote against, the blank grid the quotes land in, and the dates.

## Produce
Write into an `output/` folder next to the inputs:

1. `cover-specification.csv` - the spine every quote is priced against. One row per section of cover. Columns exactly, in this order:
`spec_ref,section_of_cover,limit_gbp,sub_limits_gbp,excess_gbp,sum_insured_gbp,basis_of_settlement_in_words,indemnity_period_months,territorial_limits,average_or_underinsurance_condition_required,figure_supplied_by,date_assessed,status,source_file`
 - `basis_of_settlement_in_words` is written out in words before any figure, for example `full reinstatement` or `replacement as new`. **No cell in this file reads `as per schedule`, `standard`, `full value`, `adequate` or `as before`.**
 - `status` is one of exactly `supplied by the owner`, `assessed by a named professional`, `carried forward from last year, marked as carried forward`, `to be confirmed by our broker or a surveyor before we rely on this`.
 - `average_or_underinsurance_condition_required` is `the wording is to be supplied`, `absent`, or the condition quoted. It is never left blank.
2. `presentation-of-the-risk.md` - the fair presentation, written once and identical for every insurer approached. Fixed headed sections in this order: the business and the entity, each address and what happens there, opening hours and licensable activities, covers and bedrooms, equipment and extraction, off-site and occasional trading, who lives or sleeps on the premises, construction and the age of services, claims in the last ten years, convictions, previous refusals and cancellations, and material changes since the last presentation. Every sentence is the owner's own material transcribed. Nothing is softened, summarised away or omitted because it is unflattering.
3. `reasonable-search-record.csv` - columns exactly: `person_asked,role,what_they_were_asked_about,date_asked,answer_as_given,recorded_in_section_of_the_presentation,source_file`. One row per person the inputs say was asked - head chef, general manager, bookkeeper, landlord or managing agent, accountant - and one row for each person the decided material says should have been asked and was not, with `answer_as_given` reading `not asked`.
4. `disclosure-register.csv` - columns exactly: `disclosure_ref,category,what_is_disclosed_as_supplied,date_or_period,amount_gbp,section_of_the_presentation_it_appears_in,source_file`. `category` is one of exactly `claim`, `conviction`, `previous refusal`, `previous cancellation`, `near miss`, `material change`, `other circumstance`. `disclosure_ref` is `D-001` upwards. Every entry also appears in `presentation-of-the-risk.md`; nothing is registered here and left out of the presentation.
5. `warranties-and-conditions-to-live-with.csv` - columns exactly, in this order:
`warranty_ref,where_it_comes_from,clause_text_verbatim,what_it_requires,frequency_as_written,named_person_in_the_business,where_the_evidence_is_recorded,existing_contractor_who_would_meet_it,owner_has_assigned_it_yes_no,source_file`
 - `where_it_comes_from` is `existing policy` or the quote reference it arrived on.
 - `clause_text_verbatim` is quoted word for word, in quotation marks, never paraphrased.
 - A warranty with `owner_has_assigned_it_yes_no` of `no` is carried into `departures-from-specification.csv` as a reason the quote carrying it is not comparable.
6. `comparison-grid.csv` - blank, one column per quote, identical rows down the side. Columns exactly: `row_ref,row_label,specification_asked_for,quote_1,quote_2,quote_3,quote_4`. Rows in this fixed order: each section of cover from file 1 by `spec_ref`, then limit, sub-limits, excess, basis of settlement, sum insured, average or underinsurance condition, indemnity period in months, territorial limits, warranties and conditions attached, exclusions that differ from the specification, claims notification deadline, claims service, **premium**, **insurance premium tax**, **broker fee**, **other fees**, **total payable**, instalment terms, and a final row `what the specification asked for that this quote does not answer`. The quote columns ship empty. The four money rows ship empty and are filled only as described in the rules.
7. `departures-from-specification.csv` - columns exactly: `quote_ref,insurer_or_broker_name_as_printed_on_the_quote,spec_ref,what_the_specification_asked_for,what_the_quote_offers,departure_kind,source_file`. `departure_kind` is one of exactly `limit lower`, `excess higher`, `sub-limit introduced`, `warranty added`, `condition precedent added`, `indemnity period shortened`, `basis of settlement changed`, `cover absent`, `territorial limits narrowed`, `wording not supplied`. Every departure is written down as a departure. None is absorbed into the price.
8. `renewal-date-schedule.csv` - columns exactly: `event,calendar_date,how_it_was_calculated,source_file`. Events, at minimum: current policy expiry, employers' liability certificate expiry, sixty days before expiry (specification issued to brokers), thirty days before expiry (quotes back on the grid), fourteen days before expiry (decision made and full wording requested), renewal day (certificate and schedule checked line by line against the specification). Every `calendar_date` is a real DD Month YYYY date counted from a date that appears in the inputs, and `how_it_was_calculated` names that date and the count applied to it. A date that cannot be counted from a supplied date is not written; it goes in file 10.
9. `cover-specification.md` - the printable specification issued to brokers. In this order: the business as named, the presentation of the risk by reference to file 2, the cover specification table from file 1, the basis of settlement stated for every sum insured, the average question against every sum insured, the business interruption basis with the indemnity period in months and the assumptions behind it in the owner's own words, employers' liability, the warranties and conditions the owner can live with, and the information requested back with every quote. It closes with the instruction that every quote is to be returned against these rows.
10. `to-be-confirmed.md` - a numbered list of every figure with no evidence behind it, every sum insured carried forward without assessment, every warranty with no named person against it, every date that could not be counted, every person who should have been asked in the reasonable search and was not, and every section where the wording was requested and not supplied. For each, say what is missing, who has to supply it, and what it stops the specification from doing.
11. `README.md` - what was read, the count of sections specified, the count of disclosures by category, the count of warranties and how many have an owner assigned, the renewal date and the four diary dates, and everything that could not be resolved.

## Rules
- **Never name, recommend, rank, suggest, steer towards or compare the reputation of an insurer, broker, scheme or market.** The only names written anywhere are those printed on documents the owner supplied, transcribed as facts. This pack produces the specification that others price. The moment it names a preference it is doing something it is neither qualified nor permitted to do.
- **Never say anything is covered or not covered, would be paid or would be declined.** The specification states what is being asked for; the wording and the insurer decide what is bought.
- **Never write a premium, an insurance premium tax figure or a fee that Codex has produced, estimated, indexed, benchmarked or carried across from anywhere.** Where a quote document is supplied in the inputs, the premium, the tax and each fee are transcribed exactly as printed with the quote document named as the source. Where no quote document is supplied, those cells ship empty for the owner or broker to complete. No market, indicative, illustrative or last-year-plus figure is ever written.
- **Never invent or complete a sum insured, a rebuild cost, a fit-out value, a stock figure, a gross profit figure or an indemnity period.** Filling in a plausible number is how underinsurance is created, not avoided. A figure the owner did not give and a named professional did not assess is `to be confirmed by our broker or a surveyor before we rely on this`, and it goes in `to-be-confirmed.md`. A figure carried forward from last year is written as carried forward, every time.
- **Never reconstruct, reproduce, paraphrase or work an example of the Insurance Act 2015 Schedule 1 proportionate-reduction formula.** The definition of X per cent is published on legislation.gov.uk as inline images and could not be read. Quote the Act's own words for the mechanism where it is relevant and stop. No arithmetic, no worked example, no percentage.
- Never describe a quote or a level of cover as better, best value, cheaper overall, adequate, sufficient or compliant. A quote that is cheaper because a warranty was added, an indemnity period shortened or a sub-limit introduced is not the same product, and making that visible in `departures-from-specification.csv` is the entire purpose of this pack. The grid records; it never ranks.
- Never mark a warranty complied with or breached, and never state that a clause is void, unenforceable or contracted out. Where the decided material flags a contracting-out question, it is written as a row on the grid asking where that term is and when it was drawn to the owner's attention.
- Never state a statutory minimum, penalty or required limit that is not in the decided material with its named source beside it. The compulsory employers' liability figure cited there is written for Great Britain: where the inputs place the premises in Northern Ireland, write no figure, say so in `to-be-confirmed.md`, and record that the corresponding Northern Ireland law has to be checked.
- Never record the owner as eligible to complain to the Financial Ombudsman Service. Where the decided material gives the micro-enterprise and small business thresholds with their source, transcribe the thresholds and note that linked and partner enterprises count towards them. Eligibility is the Service's decision against its own rules.
- **Do not audit the existing policy for gaps.** Reading the cover the owner already has and finding what is missing is a different job with a different output. This pack specifies what to buy and compares what comes back.
- Every figure, date, name and quotation traces to a supplied input named in that row's `source_file` cell. Gaps go in `to-be-confirmed.md`, never filled with an estimate.
- Send nothing, sign nothing, submit nothing and email nothing. Every file stays on disk for the owner's broker to price and challenge.
- This is written for restaurants, bars, cafes, pubs, hotels and venues. Never shrink the category to "kitchens".
- British English, £, dates written as DD Month YYYY. No em dash characters anywhere. No emoji.
- Every output file carries, as its first line or its first row: "Working specification prepared for the owner's FCA-authorised insurance broker to price, challenge and confirm before it is relied on. It is not insurance advice, not legal advice, and not a policy. Only the policy wording and the insurer decide what is covered."

## Return
The absolute path of each of the eleven files with their row counts, the count of sections specified, how many carry a sum insured and how many are `to be confirmed`, the count of disclosures by category, the count of warranties and how many have a named person against them, the renewal date and the four diary dates with how each was counted, the number of quote columns the grid ships with, and every entry in `to-be-confirmed.md`. State plainly that no insurer was named or recommended, that no premium figure was originated, that no sum insured was invented, and that the Schedule 1 formula was not reconstructed.