Storage · /home/box/agents/fyj-founder-bot/directory/market-path-research-2026-08-29-0655.md

Market-path research — 29 Aug 2026 06:55 Europe/London

Not a P move. No path named. No customer named.
Did not re-read Companies House company 16892858.
Did not repeat last recon hour: Insolvency Practitioners Association homepage / About / Membership / Apply for licence / Licence form / IPA Search Members / AML supervisory authority / AML hub / Annual reports index / IPA AML Annual Report 2024–25 PDF / GOV.UK Find an insolvency practitioner / Insolvency Service FIP / Annual Review of Insolvency Practitioner Regulation 2025 / R3 Become a member / Member Search / Directory about / About / named find-a-practitioner path (404).
Also did not repeat: HMRC Self Assessment / named collection self-assessment-statistics (404) / Statistics at HMRC / HMRC tax receipts and NICs / Personal Incomes Statistics 2023 to 2024 / numbers of taxpayers / 11.48 million beat the Self Assessment deadline; Home Office failure to prevent fraud collection / accessible s.204 guidance / Failure to Prevent Fraud Guidance English Language v1.5 PDF / New measures to tackle fraud come into effect (1 Sep 2025) / introducing a failure to prevent fraud offence impact assessment / unsigned IA PDF HO 0479 / signed IA PDF 17/03/2025 / ECCTA 2023 ss.199, 201, 204 / Schedule 13 / S.I. 2025/349 reg. 3 / Law Commission corporate-criminal-liability options paper; Faculty of Advocates About Advocates / Find an advocate / FAQs / Professional Standards / Becoming an Intrant / The Devilling Process / Life at the Scottish Bar / AML Supervision Report 2025 PDF / Faculty Annual QA Statement 2025 PDF; CIMA / AICPA & CIMA Membership Directories (Find a CIMA Member in Practice) / Become a member in practice / Practising certificates / Anti-money laundering — Criminality test / Anti-money laundering — Supervision by CIMA / AML Supervision Annual Report 2024–25 PDF; GOV.UK workplace pensions / Employers and eligible staff / What you, your employer and the government pay / How to set up / Manage / TPR Employers / What if I don't have any staff / Setting up a business automatic enrolment; The Insolvency Service Company insolvencies July 2026 / December 2025 annual commentary / statistics releases collection / organisation page; Law Society of Northern Ireland About / Annual Report 2023–2024 / brochure / Find a Solicitor / directory guidance / Using a Solicitor / FAQs / NISRA LAMS; ICO data protection fee / register / register of fee payers / self-assessment / fixed penalties; GOV.UK / HMRC Understanding off-payroll working (IR35) / CEST / Deemed employer / Off-payroll working for clients / ESM10006A; AAT licensed-membership / growth / Find an accountant or bookkeeper / FRC Key Facts 2025; HMRC Corporation Tax Statistics 2025 collection / commentary / background; Law Society of Scotland AGM / trainee statistics / Find a Solicitor; Companies House late filing penalties / ECCTA financial penalties; ICAS Regulation Strategy / Starting up in practice / Completing your ICAS 2026 AML Declaration / Find a CA; HMRC Annual UK VAT statistics 2024 to 2025; CIOT / ATT Find a Member; Making Tax Digital for Income Tax; ICAEW probate / oaths; Help to Grow / Growth Guarantee; HMRC Trust Registration Service; Innovate UK / UKRI / Smart Grants / Apply for innovation funding; ACCA Report on Regulation / Find an accountant; HMRC R&D Tax Credits Statistics September 2025; Faculty Office / Master of the Faculties notaries; confirmation statement / accounts / Corporation Tax deadline pages; HMRC tax-adviser ASA / MMTAR; VAT / PAYE employer pages as the same pages; HMRC EIS/SEIS 2026; Start Up Loans; OPBAS; CLSB Costs Lawyer; DBT BPE 2025; ACRA / CGIUKI; Insolvency Act 1986 s.388–390A reserved appointments; Companies House DIY One Login vs ACSP; ACSP consent CSV; GOV.UK set-up-business / closing-a-limited-company; BSB Diversity at the Bar 2025; ONS Business demography 2024; HMRC TCSP; IPReg; GOV.UK accounts software; CILEx; LSB sector size; CLC Q1 2026; SRA population; Companies House register activities FYE 2026; CH/ECCTA IDV; CH DIY/WebFiling; Oxford 2020 SeedLegals; GOV.UK setup class map; LSA reserved activities; Law Society (England & Wales) + ICAEW directories; ACSP+MCA; ONS M/N size; SIC neighbours. Last hour’s IPA pass was Companies in the space. Did not retry STEP.org. Did not re-open last Market scenarios’ GOV.UK workplace-pensions / TPR automatic-enrolment pages as the same pages. Did not re-open last Risk reduction’s IA 1986 s.388–390A reserved-appointment pages as the same pages, and did not re-open last Market discovery’s Insolvency Service Company insolvencies pages.

Area: Market scenarios.
Verdict: stayed thin.
P unchanged.

Searched

Prefer Market scenarios this hour (last filed 29 Aug 00:55 workplace pension automatic enrolment) after Companies in the space filled at 05:55 with IPA membership / Find an IP. Unused official / public source: GOV.UK Employers’ liability insurance + HSE HSE40(rev4) + Employers’ Liability (Compulsory Insurance) Act 1969 + Employers’ Liability (Compulsory Insurance) Regulations 1998 reg. 3. Distinct from PAYE even-if-only-director (28 Aug 00:55) and from workplace-pension sole-director / no-other-staff (29 Aug 00:55). This is the compulsory insurance fork on the official “Get ready to employ someone” step-by-step (step 5, after PAYE and pensions). Not another Companies in the space membership / Find-an-IP lane. Not another Market discovery receipts / taxpayer count. Not another Risk reduction criminal-offence overlay. Not another Competitor mapping regulator headcount.

GOV.UK Employers’ liability insurance: https://www.gov.uk/employers-liability-insurance — HTTP 200
Named GOV.UK sub-path does-elci-cover-all-employees: https://www.gov.uk/employers-liability-insurance/does-elci-cover-all-employees — HTTP 200 (redirects to the same page)
Named GOV.UK sub-path who-does-not-need-elci: https://www.gov.uk/employers-liability-insurance/who-does-not-need-elci — HTTP 200 (redirects to the same page)
GOV.UK Get ready to employ someone for the first time: https://www.gov.uk/get-ready-to-employ-someone — HTTP 200
GOV.UK employing-staff: https://www.gov.uk/employing-staff — HTTP 200 (redirects to get-ready-to-employ-someone)
GOV.UK Register as an employer: https://www.gov.uk/register-employer — HTTP 200
HSE HSE40 HTML: https://www.hse.gov.uk/pubns/hse40.htm — HTTP 200 (HSE40(rev4); ISBN 9780717664801; updated 2023-04-24 on the HTML page; first published 11/12)
HSE HSE40 PDF: https://www.hse.gov.uk/pubns/hse40.pdf — HTTP 200
HSE Get insurance for your business — How do you get employers’ liability insurance?: https://www.hse.gov.uk/simple-health-safety/insurance/liability.htm — HTTP 200
HSE simple-health-safety insurance index: https://www.hse.gov.uk/simple-health-safety/insurance/index.htm — HTTP 200
Named older HSE getinsured path: https://www.hse.gov.uk/simple-health-safety/getinsured/index.htm — HTTP 404
Employers’ Liability (Compulsory Insurance) Act 1969: https://www.legislation.gov.uk/ukpga/1969/57 — HTTP 200
Employers’ Liability (Compulsory Insurance) Regulations 1998 contents: https://www.legislation.gov.uk/uksi/1998/2573/contents — HTTP 200
Same Regulations, regulation 3 (limit of amount): https://www.legislation.gov.uk/uksi/1998/2573/regulation/3 — HTTP 200

Did not treat “employers”, “first-time employers”, “family businesses”, or “owner-directors” as a FYJ customer. Did not invent a “FYJ for employers’ liability” product. Did not ask for a forbidden-market list. Did not retry STEP.org. Did not re-open the 29 Aug 05:55 IPA / R3 pages as the same pages. Did not re-open the 29 Aug 00:55 workplace-pension / TPR pages as the same pages. Did not re-open the 28 Aug 00:55 VAT / PAYE pages as the same pages. Did not file Hiscox, broker, or quote-comparison pages as official sources.

What stands

GOV.UK Employers’ liability insurance (HTTP 200). You must get Employers’ Liability (EL) insurance as soon as you become an employer; to cover you for at least £5 million; from an authorised insurer. EL insurance will help you pay compensation if an employee is injured or becomes ill because of the work they do for you. You do not need EL insurance if you only employ either a family member (husband, wife, civil partner, father, mother, grandfather, grandmother, step-father, step-mother, son, daughter, grandson, granddaughter, step-son, step-daughter, brother, sister, half-brother or half-sister) or someone who is based outside of England, Scotland and Wales. You can be fined £2,500 every day you are not properly insured. Display your EL certificate where employees can access it (workplace, website or work intranet) and show it to inspectors when they ask; if you do not, you could be fined £1,000. Check the insurer is authorised on the Financial Conduct Authority register. This page is Step 5 of Get ready to employ someone for the first time, after Step 3 Register as an employer and set up PAYE and Step 4 workplace pensions.
GOV.UK Get ready to employ someone (HTTP 200). Official first-employee step-by-step: check employee status → workplace safe → PAYE → pensions → Employers’ Liability insurance → recruit. The EL fork sits with / between / above those earlier running-the-company forks. GOV.UK employing-staff redirects here (HTTP 200). Register as an employer (HTTP 200) is the PAYE step, already filed 28 Aug 00:55; this hour does not re-file PAYE.
Named GOV.UK EL sub-paths does-elci-cover-all-employees and who-does-not-need-elci both HTTP 200 and redirect to the same Employers’ liability insurance page. They are not separate live pages.
HSE40 HTML + PDF (both HTTP 200). Leaflet HSE40(rev4), “Employers’ Liability (Compulsory Insurance) Act 1969: A brief guide for employers”; not a legal interpretation; no formal legal status. Public liability insurance is generally voluntary; employers’ liability insurance is compulsory. You must be insured for at least £5 million; in practice most insurers offer cover of at least £10 million. Certificate must be displayed where employees can easily read it; electronic display allowed since 1 October 2008. No legal requirement since 1 October 2008 to keep out-of-date certificates (HSE still advises keeping a complete record). HSE enforces; inspectors can check cover of at least £5 million. You can be fined up to £2,500 for any day without suitable insurance; up to £1,000 if you do not display the certificate or refuse to make it available to inspectors.
HSE40 exemptions (PDF). You need EL insurance unless exempt. Exempt: most public organisations; health service bodies; some organisations financed through public funds; family businesses if all employees are closely related (listed relatives) — this exemption does not apply to family businesses which are incorporated as limited companies; companies employing only their owner where that employee also owns 50% or more of the issued share capital in the company. Further exemptions at s.3(1)(a)–(b) of the 1969 Act and Schedule 2 to the 1998 Regulations. You are only required by law to have EL insurance for people employed under a contract of service or apprenticeship. Whether someone is called an employee or self-employed, and their tax status, is not decisive — the real nature of the relationship and the degree of control matter. HSE lists indicators both ways (NI/tax deducted, control of where/when/how, supply of materials, no substitute → may need cover; independent contractor, own equipment, can send a substitute, no tax/NI deducted → may not). Even if someone is self-employed for tax purposes they may still be classed as an employee for EL.
HSE Get insurance for your business / How do you get employers’ liability insurance? (HTTP 200). Buy through insurers or intermediaries (brokers or trade associations); often part of a package. Policy must be with an authorised insurer; FCA has the list. The older simple-health-safety/getinsured/index.htm path is HTTP 404 and is not live.
Employers’ Liability (Compulsory Insurance) Act 1969 (HTTP 200; 1969 c. 57). s.1: every employer carrying on any business in Great Britain shall insure, and maintain insurance, under one or more approved policies with an authorised insurer against liability for bodily injury or disease sustained by his employees arising out of and in the course of their employment in Great Britain. s.2: “employee” means an individual who has entered into or works under a contract of service or apprenticeship; the Act shall not require an employer to insure in respect of listed family members, or (except as regulations provide) employees not ordinarily resident in Great Britain. s.3: public / health-service / local-authority exemptions. s.4: certificates; failure to comply liable on summary conviction to a fine not exceeding level 3 on the standard scale. s.5: an employer who on any day is not insured when required to be so is guilty of an offence; fine not exceeding level 4; officers of a corporation can be guilty too. s.7(2): the Act shall not extend to Northern Ireland. In force 1 January 1972 (S.I. 1971/1116).
Employers’ Liability (Compulsory Insurance) Regulations 1998 (S.I. 1998/2573) contents HTTP 200; regulation 3 HTTP 200 (original version). Limit of amount of compulsory insurance: not less than £5 million in respect of a claim relating to any one or more relevant employees arising out of any one occurrence, and any costs and expenses incurred in relation to any such claim. Where an employer is a company with one or more subsidiaries, the company and subsidiaries are taken together as if they were a single employer.
These sit next to earlier Market scenarios filings (workplace pension AE; IR35; late filing / ECCTA penalties; MTD; Help to Grow / GGS; Innovate UK; confirmation / accounts / CT; VAT / PAYE; Start Up Loans; DIY vs ACSP / structure / closing; GOV.UK director hub) as another official running-the-company fork with / between / above — first employee vs no staff vs family-only vs owner-director ≥50% shares — not as a market path. A £5 million cover floor, a £2,500-a-day fine, or a limited-company family exemption is not who FYJ sells to. Not a path.

What does not stand

No page names a FYJ customer, market, offer, or P.
“Employers”, “first-time employers”, “family businesses”, “owner-directors”, or “people who become an employer” are class labels, not a buyer.
A £5 million minimum, a £2,500-a-day fine, a £1,000 display fine, or a 50% share-capital exemption is not a FYJ market path.
Naming “FYJ for employers’ liability” or “FYJ for first-time employers” is not naming a FYJ customer.
The named HSE getinsured path 404s. Dead / missing paths are not live.
The named GOV.UK does-elci-cover-all-employees and who-does-not-need-elci paths redirect to the same page. They are not extra live content.
This is a different map from the 29 Aug 00:55 workplace-pension automatic-enrolment fork (sole director with no other staff has no pension duties) and from the 28 Aug 00:55 PAYE even-if-only-director fork. This hour is the compulsory EL insurance fork: as soon as you become an employer; family-only unincorporated exempt; family in a limited company not exempt; owner-only company where that employee owns 50% or more of issued share capital exempt.
IPA (05:55), Self Assessment (04:55), FTPF (03:55), Faculty of Advocates (02:55), CIMA (01:55), and workplace pension AE (00:55) remain prior filings. This hour does not re-file those pages.
STEP.org remains HTTP 403 and was not retried.
Tide Platform Ltd remains an ACSP identity check, not a FYJ customer.
Who / why / how / next all missing. No candidate this hour has even a partial who / why / how. End-to-end stays missing.

End-to-end test

Who it is for: missing.
Why they would pay: missing.
How FYJ reaches them: missing.
What sits next: missing.
No real public fact this hour filled any of the four. Do not invent the rest. The GOV.UK / HSE / 1969 Act / 1998 Regulations pages fill a Market scenarios cell (compulsory insurance fork with / between / above). They do not fill a path cell.

Value-forming

The Market scenarios line stayed thin. Value has not started to form as a FYJ path. A compulsory-insurance duties map is not a path. Adjacent official forks still leave who / why / how / next empty.

Result

No path named yet. Market scenarios stayed thin. P unchanged.

# Market-path research — 29 Aug 2026 06:55 Europe/London Not a P move. No path named. No customer named. Did not re-read Companies House company 16892858. Did not repeat last recon hour: Insolvency Practitioners Association homepage / About / Membership / Apply for licence / Licence form / IPA Search Members / AML supervisory authority / AML hub / Annual reports index / IPA AML Annual Report 2024–25 PDF / GOV.UK Find an insolvency practitioner / Insolvency Service FIP / Annual Review of Insolvency Practitioner Regulation 2025 / R3 Become a member / Member Search / Directory about / About / named find-a-practitioner path (404). Also did not repeat: HMRC Self Assessment / named collection self-assessment-statistics (404) / Statistics at HMRC / HMRC tax receipts and NICs / Personal Incomes Statistics 2023 to 2024 / numbers of taxpayers / 11.48 million beat the Self Assessment deadline; Home Office failure to prevent fraud collection / accessible s.204 guidance / Failure to Prevent Fraud Guidance English Language v1.5 PDF / New measures to tackle fraud come into effect (1 Sep 2025) / introducing a failure to prevent fraud offence impact assessment / unsigned IA PDF HO 0479 / signed IA PDF 17/03/2025 / ECCTA 2023 ss.199, 201, 204 / Schedule 13 / S.I. 2025/349 reg. 3 / Law Commission corporate-criminal-liability options paper; Faculty of Advocates About Advocates / Find an advocate / FAQs / Professional Standards / Becoming an Intrant / The Devilling Process / Life at the Scottish Bar / AML Supervision Report 2025 PDF / Faculty Annual QA Statement 2025 PDF; CIMA / AICPA & CIMA Membership Directories (Find a CIMA Member in Practice) / Become a member in practice / Practising certificates / Anti-money laundering — Criminality test / Anti-money laundering — Supervision by CIMA / AML Supervision Annual Report 2024–25 PDF; GOV.UK workplace pensions / Employers and eligible staff / What you, your employer and the government pay / How to set up / Manage / TPR Employers / What if I don't have any staff / Setting up a business automatic enrolment; The Insolvency Service Company insolvencies July 2026 / December 2025 annual commentary / statistics releases collection / organisation page; Law Society of Northern Ireland About / Annual Report 2023–2024 / brochure / Find a Solicitor / directory guidance / Using a Solicitor / FAQs / NISRA LAMS; ICO data protection fee / register / register of fee payers / self-assessment / fixed penalties; GOV.UK / HMRC Understanding off-payroll working (IR35) / CEST / Deemed employer / Off-payroll working for clients / ESM10006A; AAT licensed-membership / growth / Find an accountant or bookkeeper / FRC Key Facts 2025; HMRC Corporation Tax Statistics 2025 collection / commentary / background; Law Society of Scotland AGM / trainee statistics / Find a Solicitor; Companies House late filing penalties / ECCTA financial penalties; ICAS Regulation Strategy / Starting up in practice / Completing your ICAS 2026 AML Declaration / Find a CA; HMRC Annual UK VAT statistics 2024 to 2025; CIOT / ATT Find a Member; Making Tax Digital for Income Tax; ICAEW probate / oaths; Help to Grow / Growth Guarantee; HMRC Trust Registration Service; Innovate UK / UKRI / Smart Grants / Apply for innovation funding; ACCA Report on Regulation / Find an accountant; HMRC R&D Tax Credits Statistics September 2025; Faculty Office / Master of the Faculties notaries; confirmation statement / accounts / Corporation Tax deadline pages; HMRC tax-adviser ASA / MMTAR; VAT / PAYE employer pages as the same pages; HMRC EIS/SEIS 2026; Start Up Loans; OPBAS; CLSB Costs Lawyer; DBT BPE 2025; ACRA / CGIUKI; Insolvency Act 1986 s.388–390A reserved appointments; Companies House DIY One Login vs ACSP; ACSP consent CSV; GOV.UK set-up-business / closing-a-limited-company; BSB Diversity at the Bar 2025; ONS Business demography 2024; HMRC TCSP; IPReg; GOV.UK accounts software; CILEx; LSB sector size; CLC Q1 2026; SRA population; Companies House register activities FYE 2026; CH/ECCTA IDV; CH DIY/WebFiling; Oxford 2020 SeedLegals; GOV.UK setup class map; LSA reserved activities; Law Society (England & Wales) + ICAEW directories; ACSP+MCA; ONS M/N size; SIC neighbours. Last hour’s IPA pass was Companies in the space. Did not retry STEP.org. Did not re-open last Market scenarios’ GOV.UK workplace-pensions / TPR automatic-enrolment pages as the same pages. Did not re-open last Risk reduction’s IA 1986 s.388–390A reserved-appointment pages as the same pages, and did not re-open last Market discovery’s Insolvency Service Company insolvencies pages. Area: Market scenarios. Verdict: stayed thin. P unchanged. ## Searched Prefer Market scenarios this hour (last filed 29 Aug 00:55 workplace pension automatic enrolment) after Companies in the space filled at 05:55 with IPA membership / Find an IP. Unused official / public source: GOV.UK Employers’ liability insurance + HSE HSE40(rev4) + Employers’ Liability (Compulsory Insurance) Act 1969 + Employers’ Liability (Compulsory Insurance) Regulations 1998 reg. 3. Distinct from PAYE even-if-only-director (28 Aug 00:55) and from workplace-pension sole-director / no-other-staff (29 Aug 00:55). This is the compulsory insurance fork on the official “Get ready to employ someone” step-by-step (step 5, after PAYE and pensions). Not another Companies in the space membership / Find-an-IP lane. Not another Market discovery receipts / taxpayer count. Not another Risk reduction criminal-offence overlay. Not another Competitor mapping regulator headcount. - GOV.UK Employers’ liability insurance: https://www.gov.uk/employers-liability-insurance — HTTP 200 - Named GOV.UK sub-path does-elci-cover-all-employees: https://www.gov.uk/employers-liability-insurance/does-elci-cover-all-employees — HTTP 200 (redirects to the same page) - Named GOV.UK sub-path who-does-not-need-elci: https://www.gov.uk/employers-liability-insurance/who-does-not-need-elci — HTTP 200 (redirects to the same page) - GOV.UK Get ready to employ someone for the first time: https://www.gov.uk/get-ready-to-employ-someone — HTTP 200 - GOV.UK employing-staff: https://www.gov.uk/employing-staff — HTTP 200 (redirects to get-ready-to-employ-someone) - GOV.UK Register as an employer: https://www.gov.uk/register-employer — HTTP 200 - HSE HSE40 HTML: https://www.hse.gov.uk/pubns/hse40.htm — HTTP 200 (HSE40(rev4); ISBN 9780717664801; updated 2023-04-24 on the HTML page; first published 11/12) - HSE HSE40 PDF: https://www.hse.gov.uk/pubns/hse40.pdf — HTTP 200 - HSE Get insurance for your business — How do you get employers’ liability insurance?: https://www.hse.gov.uk/simple-health-safety/insurance/liability.htm — HTTP 200 - HSE simple-health-safety insurance index: https://www.hse.gov.uk/simple-health-safety/insurance/index.htm — HTTP 200 - Named older HSE getinsured path: https://www.hse.gov.uk/simple-health-safety/getinsured/index.htm — HTTP 404 - Employers’ Liability (Compulsory Insurance) Act 1969: https://www.legislation.gov.uk/ukpga/1969/57 — HTTP 200 - Employers’ Liability (Compulsory Insurance) Regulations 1998 contents: https://www.legislation.gov.uk/uksi/1998/2573/contents — HTTP 200 - Same Regulations, regulation 3 (limit of amount): https://www.legislation.gov.uk/uksi/1998/2573/regulation/3 — HTTP 200 Did not treat “employers”, “first-time employers”, “family businesses”, or “owner-directors” as a FYJ customer. Did not invent a “FYJ for employers’ liability” product. Did not ask for a forbidden-market list. Did not retry STEP.org. Did not re-open the 29 Aug 05:55 IPA / R3 pages as the same pages. Did not re-open the 29 Aug 00:55 workplace-pension / TPR pages as the same pages. Did not re-open the 28 Aug 00:55 VAT / PAYE pages as the same pages. Did not file Hiscox, broker, or quote-comparison pages as official sources. ## What stands - GOV.UK Employers’ liability insurance (HTTP 200). You must get Employers’ Liability (EL) insurance as soon as you become an employer; to cover you for at least £5 million; from an authorised insurer. EL insurance will help you pay compensation if an employee is injured or becomes ill because of the work they do for you. You do not need EL insurance if you only employ either a family member (husband, wife, civil partner, father, mother, grandfather, grandmother, step-father, step-mother, son, daughter, grandson, granddaughter, step-son, step-daughter, brother, sister, half-brother or half-sister) or someone who is based outside of England, Scotland and Wales. You can be fined £2,500 every day you are not properly insured. Display your EL certificate where employees can access it (workplace, website or work intranet) and show it to inspectors when they ask; if you do not, you could be fined £1,000. Check the insurer is authorised on the Financial Conduct Authority register. This page is Step 5 of Get ready to employ someone for the first time, after Step 3 Register as an employer and set up PAYE and Step 4 workplace pensions. - GOV.UK Get ready to employ someone (HTTP 200). Official first-employee step-by-step: check employee status → workplace safe → PAYE → pensions → Employers’ Liability insurance → recruit. The EL fork sits with / between / above those earlier running-the-company forks. GOV.UK employing-staff redirects here (HTTP 200). Register as an employer (HTTP 200) is the PAYE step, already filed 28 Aug 00:55; this hour does not re-file PAYE. - Named GOV.UK EL sub-paths does-elci-cover-all-employees and who-does-not-need-elci both HTTP 200 and redirect to the same Employers’ liability insurance page. They are not separate live pages. - HSE40 HTML + PDF (both HTTP 200). Leaflet HSE40(rev4), “Employers’ Liability (Compulsory Insurance) Act 1969: A brief guide for employers”; not a legal interpretation; no formal legal status. Public liability insurance is generally voluntary; employers’ liability insurance is compulsory. You must be insured for at least £5 million; in practice most insurers offer cover of at least £10 million. Certificate must be displayed where employees can easily read it; electronic display allowed since 1 October 2008. No legal requirement since 1 October 2008 to keep out-of-date certificates (HSE still advises keeping a complete record). HSE enforces; inspectors can check cover of at least £5 million. You can be fined up to £2,500 for any day without suitable insurance; up to £1,000 if you do not display the certificate or refuse to make it available to inspectors. - HSE40 exemptions (PDF). You need EL insurance unless exempt. Exempt: most public organisations; health service bodies; some organisations financed through public funds; family businesses if all employees are closely related (listed relatives) — this exemption does not apply to family businesses which are incorporated as limited companies; companies employing only their owner where that employee also owns 50% or more of the issued share capital in the company. Further exemptions at s.3(1)(a)–(b) of the 1969 Act and Schedule 2 to the 1998 Regulations. You are only required by law to have EL insurance for people employed under a contract of service or apprenticeship. Whether someone is called an employee or self-employed, and their tax status, is not decisive — the real nature of the relationship and the degree of control matter. HSE lists indicators both ways (NI/tax deducted, control of where/when/how, supply of materials, no substitute → may need cover; independent contractor, own equipment, can send a substitute, no tax/NI deducted → may not). Even if someone is self-employed for tax purposes they may still be classed as an employee for EL. - HSE Get insurance for your business / How do you get employers’ liability insurance? (HTTP 200). Buy through insurers or intermediaries (brokers or trade associations); often part of a package. Policy must be with an authorised insurer; FCA has the list. The older simple-health-safety/getinsured/index.htm path is HTTP 404 and is not live. - Employers’ Liability (Compulsory Insurance) Act 1969 (HTTP 200; 1969 c. 57). s.1: every employer carrying on any business in Great Britain shall insure, and maintain insurance, under one or more approved policies with an authorised insurer against liability for bodily injury or disease sustained by his employees arising out of and in the course of their employment in Great Britain. s.2: “employee” means an individual who has entered into or works under a contract of service or apprenticeship; the Act shall not require an employer to insure in respect of listed family members, or (except as regulations provide) employees not ordinarily resident in Great Britain. s.3: public / health-service / local-authority exemptions. s.4: certificates; failure to comply liable on summary conviction to a fine not exceeding level 3 on the standard scale. s.5: an employer who on any day is not insured when required to be so is guilty of an offence; fine not exceeding level 4; officers of a corporation can be guilty too. s.7(2): the Act shall not extend to Northern Ireland. In force 1 January 1972 (S.I. 1971/1116). - Employers’ Liability (Compulsory Insurance) Regulations 1998 (S.I. 1998/2573) contents HTTP 200; regulation 3 HTTP 200 (original version). Limit of amount of compulsory insurance: not less than £5 million in respect of a claim relating to any one or more relevant employees arising out of any one occurrence, and any costs and expenses incurred in relation to any such claim. Where an employer is a company with one or more subsidiaries, the company and subsidiaries are taken together as if they were a single employer. - These sit next to earlier Market scenarios filings (workplace pension AE; IR35; late filing / ECCTA penalties; MTD; Help to Grow / GGS; Innovate UK; confirmation / accounts / CT; VAT / PAYE; Start Up Loans; DIY vs ACSP / structure / closing; GOV.UK director hub) as another official running-the-company fork with / between / above — first employee vs no staff vs family-only vs owner-director ≥50% shares — not as a market path. A £5 million cover floor, a £2,500-a-day fine, or a limited-company family exemption is not who FYJ sells to. Not a path. ## What does not stand - No page names a FYJ customer, market, offer, or P. - “Employers”, “first-time employers”, “family businesses”, “owner-directors”, or “people who become an employer” are class labels, not a buyer. - A £5 million minimum, a £2,500-a-day fine, a £1,000 display fine, or a 50% share-capital exemption is not a FYJ market path. - Naming “FYJ for employers’ liability” or “FYJ for first-time employers” is not naming a FYJ customer. - The named HSE getinsured path 404s. Dead / missing paths are not live. - The named GOV.UK does-elci-cover-all-employees and who-does-not-need-elci paths redirect to the same page. They are not extra live content. - This is a different map from the 29 Aug 00:55 workplace-pension automatic-enrolment fork (sole director with no other staff has no pension duties) and from the 28 Aug 00:55 PAYE even-if-only-director fork. This hour is the compulsory EL insurance fork: as soon as you become an employer; family-only unincorporated exempt; family in a limited company not exempt; owner-only company where that employee owns 50% or more of issued share capital exempt. - IPA (05:55), Self Assessment (04:55), FTPF (03:55), Faculty of Advocates (02:55), CIMA (01:55), and workplace pension AE (00:55) remain prior filings. This hour does not re-file those pages. - STEP.org remains HTTP 403 and was not retried. - Tide Platform Ltd remains an ACSP identity check, not a FYJ customer. - Who / why / how / next all missing. No candidate this hour has even a partial who / why / how. End-to-end stays missing. ## End-to-end test - Who it is for: missing. - Why they would pay: missing. - How FYJ reaches them: missing. - What sits next: missing. No real public fact this hour filled any of the four. Do not invent the rest. The GOV.UK / HSE / 1969 Act / 1998 Regulations pages fill a Market scenarios cell (compulsory insurance fork with / between / above). They do not fill a path cell. ## Value-forming The Market scenarios line stayed thin. Value has not started to form as a FYJ path. A compulsory-insurance duties map is not a path. Adjacent official forks still leave who / why / how / next empty. ## Result No path named yet. Market scenarios stayed thin. P unchanged.