Employers’ liability insurance filed. Market scenarios stayed thin. No path named.

Headline. Standing job is other recon, not stop. This hour read the official GOV.UK / HSE employers’ liability insurance fork — the compulsory cover you must have as soon as you become an employer — not another IPA membership / Find-an-IP map. I have not named a market. A £5 million cover floor is not a customer. P has not moved.

Why this hour. Path candidates still cannot be compiled. I opened this unused official insurance fork now because that closed perimeter still sits between the parked first-customer cut and the $2.5–5bn destination, and a has-staff vs no-staff class map can be read without inventing a name.

Parked customer cut (63e813ea) is live as a milestone / north star; not the live job.

Contract UUID 26e4abb6-3b66-4a66-a4f7-d4c065ad9233 is live. Hold = no invention, not no recon.

What the agent just did

Wrote market-path-research-2026-08-29-0655.md.

Area: Market scenarios.
Last found: GOV.UK Employers’ liability insurance + HSE HSE40(rev4) + the 1969 Act + the 1998 Regulations. Employers’ liability insurance (HTTP 200) — you must get EL insurance as soon as you become an employer; cover at least £5 million; from an authorised insurer; family-only or staff based outside England, Scotland and Wales do not need it; £2,500 every day you are not properly insured; display the certificate or £1,000. This is Step 5 of Get ready to employ someone for the first time (HTTP 200), after PAYE and workplace pensions. Named sub-paths does-elci-cover-all-employees and who-does-not-need-elci both HTTP 200 and redirect to the same page. HSE40 HTML + HSE40 PDF (both HTTP 200) — public liability is generally voluntary; EL is compulsory; at least £5 million (in practice most insurers offer at least £10 million); electronic display since 1 October 2008; HSE enforces. HSE40 exemptions: family businesses if all staff are closely related — not if the family business is a limited company; companies employing only their owner where that employee owns 50% or more of the issued share capital. Cover is for people under a contract of service or apprenticeship; tax status is not decisive. HSE How do you get employers’ liability insurance? (HTTP 200) — authorised insurer; FCA list. Older getinsured path HTTP 404. 1969 Act (HTTP 200) — s.1 every employer carrying on business in Great Britain shall insure; s.2 family / not-ordinarily-resident; does not extend to Northern Ireland; in force 1 January 1972. 1998 Regulations reg. 3 (HTTP 200) — not less than £5 million for a claim arising out of any one occurrence, including costs. Running-the-company compulsory-insurance fork with / between / above next to VAT, PAYE, workplace pensions, confirmation / accounts, MTD, IR35, and late-filing penalties. The owner-director ≥50% exemption is not the same as PAYE even-if-only-director, and not the same as workplace-pension sole-director / no-other-staff. Not a FYJ path.
Verdict: stayed thin — Who / why / how / next still missing.
P unchanged.

I opened the live sources above (named HSE getinsured path 404; the two named GOV.UK EL sub-paths redirect to the same page; the rest HTTP 200). I did not re-read company 16892858. I did not repeat last recon’s IPA membership / licence / Find-an-IP / AML / Annual Review / R3 membership pass, last recon’s HMRC Self Assessment receipts / SPI / Class 4 / deadline-news pass, last recon’s Home Office failure-to-prevent-fraud collection / s.204 guidance / English PDF / 1 September 2025 news / impact assessments / legislation.gov.uk ss.199, 201, 204, Schedule 13 / S.I. 2025/349 / Law Commission options paper pass, last recon’s Faculty of Advocates about / Find an Advocate / FAQs / intrant / devil / professional-standards / AML Supervision Report 2024–25 / QA Statement 2025 pass, last Companies in the space’s CIMA Membership Directories / become-a-member-in-practice / practising-certificates / criminality-test / supervision-by-CIMA / AML Supervision Annual Report 2024–25 pass, last Market scenarios’ GOV.UK workplace-pensions / TPR automatic-enrolment pass, last Market discovery’s Insolvency Service Company insolvencies July 2026 pass, last Competitor mapping’s Law Society of Northern Ireland pass, last Risk reduction’s ICO data protection fee pass as the same pages, last Market scenarios’ IR35 / CEST pass, last Companies in the space’s AAT licensed-membership pass, last Market discovery’s HMRC Corporation Tax Statistics 2025 pass, last Competitor mapping’s Law Society of Scotland pass, last Market scenarios’ late-filing / ECCTA pass, last Companies in the space’s ICAS pass, last Market discovery’s HMRC VAT annual statistics pass, last Companies in the space’s CIOT / ATT pass, last Market scenarios’ Making Tax Digital for Income Tax pass, last Competitor mapping’s ICAEW probate pass, the 09:55 Help to Grow / Growth Guarantee pass, the 07:55 HMRC Trust Registration Service pass, the 06:55 Innovate UK / UKRI pass, the 05:55 ACCA Report on Regulation pass, the 04:55 HMRC R&D Tax Credits pass, the 03:55 Faculty Office notary pass, the 02:55 confirmation / accounts / CT deadline pass, the 01:55 HMRC tax-adviser ASA / MMTAR pass, the 00:55 VAT / PAYE pass as the same pages, the 23:55 HMRC EIS/SEIS pass, the 22:55 Start Up Loans pass, the 21:55 OPBAS AML pass, the 20:55 CLSB Costs Lawyer pass, the 19:55 DBT BPE 2025 pass, the 18:55 ACRA / CGIUKI pass, the 17:55 IA 1986 s.388–390A reserved-appointment pass as the same pages, the 16:55 DIY-vs-ACSP / closing-fork pass, the 15:55 BSB barrister pass, the 15:04 ONS Business demography pass, the 13:55 HMRC TCSP pass, the 12:55 IPReg Core Metrics, the 11:55 accounts-filing / CT software lists, the 10:55 CILEx Regulation, the 09:55 LSB State of Legal Services, the 09:07 CLC Key Indicators, the 06:55 SRA population, the 04:55 Companies House register-activities pass, the 03:55 IDV / ECCTA risk pass, the 02:55 WebFiling pass, the 01:55 public-name pass, the 27 Aug 00:55 GOV.UK setup class-map pass, the LSA reserved-activity pass, the Law Society (England & Wales)/ICAEW directories pass, the 22:22 ACSP/MCA pass, the 20:55 SIC pages, or the 26 Aug 21:55 ONS stock-size bulletin. Did not retry STEP.org (HTTP 403). Prefer Market scenarios this hour with still-unused EL insurance pages after Companies in the space filled at 05:55.

What stands is simple: next to VAT £90,000 / PAYE even-if-only-director, workplace-pension automatic enrolment, confirmation / accounts, MTD, IR35, and late-filing penalties sits the official employers’ liability insurance fork — as soon as you become an employer; at least £5 million from an authorised insurer; £2,500 a day if you are not properly insured; 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. Those facts are checkable. They are not who FYJ is for, why they would pay, how FYJ reaches them, or what sits next. So it is not a candidate, and it is not a path.

End-to-end test this hour: who / why pay / how FYJ reaches them / what sits next — all still missing. The GOV.UK / HSE / 1969 Act / 1998 Regulations pages fill a Market scenarios cell, not a path cell.

market-paths.md still starts No path named yet.

This page sits under Evidence. It is a dated record. It does not move heading.

Why this was necessary

P is company position toward $2.5–5bn. p-evidence.md stays empty so the score cannot be faked. p-missing.md stays the one founder-confirmed question: Who is the first customer, or what is the first market path, for For Your Journey Ltd? Empty is not finished. The next useful work is either a real name you accept, or measurable evidence toward answering. This hour is the second kind: other recon under 26e4abb6, not inventing a name so the hour has a title.

Concrete problem removed: after Companies in the space filled IPA at 05:55, the next Market scenarios cell would have looked empty or frozen on workplace pensions if the hour stopped. How future file writes change: each recon hour still has to name the area, the source, stronger / thin / discarded, and that P did not move — on Evidence, in founder English. Why that matters for ownership and the $2.5–5bn goal: you can see the map thicken without the score lying. A compulsory-insurance duties map is not a path. Russian doll gates (e14b6c90) stay: path candidates still cannot be compiled; thin hours do not open a gate; #1 stays compile the path candidates that can run end to end; the customer cut stays parked. Inbox reshape (a2f8c91b) re-ranks after each filed cycle. Today (729da95e) is visibility only.

This hour is still standing recon under the live loop, not a layer claim and not a P move.

A layer is a named piece of the job that can come off once a close has evidence it can run without you. Today's layer stays Peer toggle: Founder View ↔ Agent View. This hour did not rename it.

The slot is unchanged: hold the 24-hour founder loop with Founder View and Agent View as peer surfaces. Use the hours for market-path compounding. Do not invent a customer. Do not unpark the customer cut.

A cut is a shortened next-job draft. The customer cut would make “name the first customer” the next job. You parked it until market paths have been identified and are converging. It stays parked as a milestone / north star. It is not the live job. Contract UUID 63e813ea remains live as that parked milestone.

One full day without you in the loop is a test that can qualify taking a layer off you. It is not the destination. The destination is P, with market path(s) first. Filing an employers’ liability insurance map is not that test finishing, and it is not a layer transfer. The 17:15 close already scored this cycle no / no. 08:55 later today asks again.

Systemic effect: Market scenarios now shows a twelfth dated filing (GOV.UK director hub; DIY vs ACSP / closing; Start Up Loans; VAT / PAYE; confirmation / accounts / CT; Innovate UK; Help to Grow / GGS; MTD; late filing / ECCTA; IR35; workplace pension AE; employers’ liability insurance), that the line stayed thin, and that P is unchanged. Companies in the space stays twelve. The £5 million cover floor and the owner-director ≥50% exemption did not join market-paths.md as a path.

Alternatives rejected

• Stop recon because hold sounds like stop. Hold means no invention (26e4abb6). Stopping would leave Market scenarios frozen on workplace pensions and waste the hour.
• Re-read company 16892858, or re-file the 29 Aug 05:55 IPA pages, the 29 Aug 00:55 workplace-pension pages, or the 28 Aug 00:55 VAT / PAYE pages as if they were new. Forbidden, and they are not this source.
• Treat “employers”, “first-time employers”, “family businesses”, or “owner-directors” as who FYJ sells to. A duties map is not a customer.
• Invent a first customer from “FYJ for employers’ liability” or “FYJ for first-time employers”. A £5 million cover floor is not a buyer.
• Retry STEP.org after HTTP 403. Dead / blocked pages are not live.
• Cite the named HSE getinsured path as live. It is 404.
• Unpark the customer cut, or rewrite the live slot. You did not confirm that.
• Start Hermes. It stays parked.
• Invent a path because “£5 million cover” or “£2,500 a day” looks like a market. That would fake P.
• Install the customer cut. Forbidden. This hour is 06:55 recon.

Pushback invited — decide or criticise

Working set, not exhaustive. This is criticism of recon — which area is weak, which to deepen, which to drop — not “name a market so the hour has a title.”
1. Which recon area is weak — Market discovery is now twelve filings and still thin; Companies in the space is now twelve filings and still thin; Market scenarios is now twelve filings and still thin; Competitor mapping is now twelve filings and still thin; Risk reduction is now seven constraints and still not a path?
2. Which line should I deepen — leave regulator / supervision / loan-programme / tax-scheme / R&D-claim / VAT-PAYE / tax-adviser-registration / annual-filing / ACCA-practice / Innovate-UK-grant / trust-register / Help-to-Grow / Growth-Guarantee / ICAEW-probate / MTD-Income-Tax / CIOT-ATT / VAT-population / ICAS-practice / late-filing-penalty / Law-Society-of-Scotland / CT-receipts / AAT-licensed / IR35-class / ICO-fee / Law-Society-of-Northern-Ireland / Insolvency-Service / automatic-enrolment / CIMA-MiP / Faculty-of-Advocates / FTPF / Self-Assessment / IPA-membership / employers-liability maps and deepen a thin area closer to who / why / how, or file another still-unused official source?
3. Which line should I drop — the size / flow / directory / regulator-headcount / supervised-population / DIY-vs-paid / reserved-appointment / trade-association / legal-form / AML-PBS / founder-finance / tax-relief-equity / R&D-claim / VAT-PAYE / tax-adviser-ASA / annual-confirmation-accounts / notary-headcount / ACCA-practising-certificate / Innovate-UK-grant / TRS / Help-to-Grow / GGS / ICAEW-probate / MTD-Income-Tax / CIOT-ATT / VAT-population / ICAS-practice / late-filing-penalty / Law-Society-of-Scotland / CT-receipts / AAT-licensed / IR35 / ICO-fee / Law-Society-of-Northern-Ireland / Insolvency-Service / automatic-enrolment / CIMA-MiP / Faculty-of-Advocates / FTPF / Self-Assessment / IPA-membership / employers-liability maps (ONS stock, ONS demography, Companies House counts, LSB sector revenue, BPE 5.7 million / 3.2 million sole traders, EIS 3,735 / SEIS 2,430, R&D 46,950 / £7.6bn, VAT population 2,330,400 / 2,285,900 live, CT receipts £97.2bn / 1.6 million with no liability, Law Society / ICAEW directories, SRA / CLC / CILEx / IPReg / BSB / CLSB / Faculty Office / ICAEW probate / Law Society of Scotland / Law Society of Northern Ireland / Faculty of Advocates headcounts, software lists, HMRC TCSP counts, ACSP opt-in list, closing forks, 1,480 IPs, ACRA, CGIUKI, OPBAS, Start Up Loans, VAT £90,000 / PAYE sole-director, MMTAR, confirmation £50 / accounts 9 months, ACCA 12,810 PC, Innovate UK, TRS, Help to Grow, GGS, MTD, Life at the Scottish Bar, CIOT / ATT, ICAS, late accounts / ECCTA penalties, AAT, IR35, ICO fee, LSNI, Insolvency Service July 2026 1,931 / 50.3 per 10,000 / 2025 annual 23,938, workplace pension AE 22–SPA / £10,000 / 3%–5%–8% / sole-director no-staff, CIMA 1,631 MiPs / 84 new / 77% limited company, Faculty AML supervised 8 / QA 93, FTPF in force 1 Sep 2025 / large org £36m / £18m / 250 / IA upper bound 24,900 / SME out, SA IT receipts 2025–26 £54.1bn / 11.49 million filed by 31 Jan 2026 / 5.34 million with a self-employment source, IPA 637 Total IPs / 554 appointment takers / AML 327 IPs across 202 firms / appointment-taking licence up to £4,295, EL insurance at least £5 million / £2,500 a day / owner-director ≥50% exempt / family-in-a-limited-company not exempt), or keep them as context and drop something earlier that is only a label?

Current levers (working set, not exhaustive)

1. Market-path compounding — standing, not P until you accept a path. An employers’ liability insurance filing is not a name.
2. The parked customer cut — milestone / north star, not the live job.
3. The live slot — still the 24-hour loop with peer surfaces. Not rewritten this hour.
4. 17:15 already scored this cycle no / no. Both 08:55 and 14:55 windows closed with no reply. 08:55 later today asks again. Russian doll gates (e14b6c90): path candidates still cannot be compiled; thin hours do not open a gate; #1 stays compile the path candidates that can run end to end. Inbox reshape (a2f8c91b) re-ranks after each filed cycle. Today (729da95e) is visibility only.

Watch / next decision point

Next recon hour uses a different public source again, still without inventing a name, still without re-reading 16892858, and still without repeating this GOV.UK employers-liability-insurance / get-ready-to-employ-someone / HSE40 HTML+PDF / HSE insurance-liability / 1969 Act / 1998 Regulations reg. 3 pass, last recon’s IPA membership / licence / Find-an-IP / AML / Annual Review / R3 membership pass, last recon’s HMRC Self Assessment receipts / SPI / Class 4 / deadline-news pass, last recon’s Home Office / legislation.gov.uk / Law Commission failure-to-prevent-fraud pass, last recon’s Faculty of Advocates about / Find an Advocate / FAQs / intrant / devil / professional-standards / AML Supervision Report 2024–25 / QA Statement 2025 pass, last Companies in the space’s CIMA Membership Directories / become-a-member-in-practice / practising-certificates / criminality-test / supervision-by-CIMA / AML Supervision Annual Report 2024–25 pass, last Market scenarios’ GOV.UK workplace-pensions / TPR automatic-enrolment pass, last Market discovery’s Insolvency Service Company insolvencies July 2026 pass, last Competitor mapping’s Law Society of Northern Ireland pass, last Risk reduction’s ICO data protection fee pass, or the earlier list on the dated research file. 08:55 later today asks again. Do not install the customer cut. Dead link is a failed publish. Unauthenticated 401 is the login gate.

Agent files

29 Aug 06:55 research · market-paths.md · recon-map.md · p-evidence.md · p-missing.md · cycle 8 close · Contract: hold is no invention · market-path recon · Open asks · Founder View · this page