Free regulation checker
Answer a few questions about the business and see which laws apply, which are close to the line and which covers they touch. Then send the client a branded PDF.
Example figures. Change them to your client's.
What was turnover last financial year?
Use the group's figures where there is one: several of these laws count across the group.
3 laws apply.
5 covers to review
Failure to prevent fraud
In force since 1 September 2025
Meets 2 of the 3 size tests, so the business counts as a large organisation. Reasonable fraud prevention procedures are its only defence.
Directors and officersCrime and fidelity
legislation.gov.uk, s201Martyn's Law
Expected from spring 2027
A capacity of 350 puts the premises in the standard tier. The regulator is planning for spring 2027.
Property and terrorismPublic liability
Security Industry AuthorityEmployers' liability insurance
In force
With 260 staff the business must hold at least £5m of cover. A family business with only close relatives employed may be exempt.
Employers' liability
GOV.UKCyber Security and Resilience Bill
Before Parliament, not law yet
The Bill is aimed at managed IT service providers and essential services, which this business is not.
UK ParliamentChecking a whole book? Flag every client who crosses a line with a free trial
What to tell your client
Of the laws we checked, Failure to prevent fraud, Martyn's Law and Employers' liability insurance apply to your business. Before renewal we should review your directors and officers, crime and fidelity, property and terrorism, public liability and employers' liability cover.
A general guide to where each law draws its lines, not legal advice. Illustrative only, not advice. The policy wording and the insurer decide. Nothing you type leaves your browser unless you make the PDF.
Why it matters
2 of 3
size tests (over £36m turnover, £18m balance sheet, 250 staff) bring a business into the failure to prevent fraud offence.
legislation.gov.uk, ECCTA s201£18m
or 5% of worldwide revenue, whichever is greater: the top penalty for an enhanced tier venue under Martyn's Law.
Home Office impact assessment£2,500
a day is the fine for an employer without proper employers' liability cover.
GOV.UK, employers' liability insuranceIn plain English
They are not just for big business, they reach the insurance and they keep changing.
The fraud offence turns on turnover, balance sheet and staff. Martyn's Law turns on how many people can be on the premises. Employers' liability starts with the first employee.
D&O for the fraud offence, property and terrorism for Martyn's Law, employers' liability itself. A new duty is a new way to be sued or fined.
A business near a threshold today may cross it next year. We flag those as close to the line so the conversation starts early.
Law by law
What each one requires, the penalty and the covers it touches. Each links to its source.
In force since 1 September 2025
Economic Crime and Corporate Transparency Act 2023, s199
A large organisation commits an offence if an employee or agent commits fraud meant to benefit it, unless it had reasonable procedures to prevent fraud.
Expected from spring 2027
Terrorism (Protection of Premises) Act 2025
Premises and events where 200 or more people may be present must plan for a terror attack. From 800 people the duties are much heavier.
In force
Employers' Liability (Compulsory Insurance) Act 1969
Almost every employer must hold at least £5m of employers' liability cover from an authorised insurer.
Before Parliament, not law yet
Cyber Security and Resilience Bill (before Parliament)
Would bring managed IT service providers and more of the supply chain into the UK's network security rules, with faster incident reporting.
How brokers use it
Several of these laws turn on turnover, balance sheet and headcount, counted across the group. A client can cross a line without anyone noticing.
legislation.gov.uk, ECCTA s201The fraud offence points to D&O and entity cover. Martyn's Law points to property and terrorism. Employers' liability is compulsory. Review those lines when a law applies.
A short letter that lists the laws that reach the business, and the covers you reviewed, is good advice and a good record.
The client PDF
Your logo and details, the laws that reach the business, what each means and the cover it touches. It starts the renewal conversation on the client's agenda, not the premium.
The laws that reach your business
Test yourself
Brokers hear these every week. See how many you can call.
The failure to prevent fraud offence only reaches FTSE sized companies.
Questions brokers ask
With a free trial
Coverbound keeps each client's size and activities on file, flags them when they cross a line and puts the check in your renewal pack. 14 days free, no card.
Eight questions. A clear answer. A letter to send.
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