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IR35 Insurance
Leveraging our IR35 expertise, we proudly introduce our IR35 Insurance, meticulously crafted to offer contractors professional representation during HMRC IR35 status investigations, inquiries into tax, VAT, PAYE, NIC, and Section 660a, as well as cover for £100,000 of IR35 tax liabilities.
Why choose IR35 insurance?
Contractor Insurance Brokers stands apart with the flexibility to customise policies to your exact needs, starting from just £50.00 (inclusive of Insurance Premium Tax). This coverage, providing £100,000 of legal defence costs per claim, safeguards against a spectrum of HMRC investigations, including those related to IR35 status.
You have the option to extend coverage for a further £100,000 of IR35 tax liabilities, interest, and penalties under both the ‘old’ IR35 rules (Chapter 8 of ITEPA) and the ‘new/current’ IR35 rules (Chapter 10 of ITEPA), offering comprehensive protection.
In the event of an HMRC investigation, our policy ensures expert representation, increasing your chances of a successful defence. Our policies are underwritten by a leading UK insurer, with claims handled by recognised UK tax and IR35 professionals, guaranteeing expert representation when you need it most.
IR35 Insurance Policy Benefits
Cover For Tax Liabilities
Customise the policy to match your needs. Choose from £100,000 of defence representation cover for various HMRC enquiries, including IR35, as well as £100,000 for IR35 tax liabilities, interest & penalties.
Expert Representation
Rest easy knowing that in the event of a claim, you’ll be represented by seasoned IR35 experts, not generic tax professionals, enhancing your chances of success.
Tailored For Contractors
Our policies and IR35 status reviews are tailored to the unique requirements of contractors, supported by highly experienced staff ready to address your queries.
IR35 Status Enquiry Cover
While many policies exclude IR35 status enquiries, our policy is centered around it, ensuring comprehensive coverage for both legal defence costs and any IR35 tax liabilities HMRC deem due at the conclusion.
Tax, VAT, PAYE Investigations
Beyond IR35 status enquiries, our insurance extends to cover HMRC enquiries into tax, VAT, PAYE, NICand Section 660a legislation.
Tribunal & Appeal Cover Included
For cases requiring representation at an appeal or tribunal, our policy provides unwavering support, seeing you through to the end.
Frequently asked questions about IR35 Insurance
Q: Does IR35 insurance cover past contracts?
A: Some policies may cover past contracts, but this can vary. It’s crucial to check with your insurer to understand the scope of retroactive coverage.
Q: Who needs IR35 insurance?
A: IR35 insurance is particularly relevant for contractors, freelancers, and businesses engaging with off-payroll workers. It provides financial protection in case of an investigation.
Q: How does IR35 insurance work?
A: In the event of an HMRC investigation, you would notify your insurance provider, and they would assist with legal defence costs and other covered expenses, depending on the policy terms.
Q: Is IR35 insurance tax-deductible?
A: Generally, the premiums for IR35 insurance are tax-deductible as a business expense. However, it’s recommended to consult with a tax professional for specific advice based on your circumstances.
Q: Can IR35 insurance be tailored to specific needs?
A: Contractor Insurance offers flexibility in tailoring IR35 policies to your specific needs. You may be able to customise coverage based on the nature of your business and potential risks.
Q: How much does IR35 insurance cost?
A: The cost of IR35 insurance varies based on factors such as coverage limits, the size of the policy, and the nature of the business.
Q: How can I mitigate IR35 risks without insurance?
A: While insurance provides financial protection, other strategies include conducting thorough contract reviews, ensuring compliance with IR35 regulations, and seeking advice from legal and tax professionals.
Purchasing IR35 Insurance
In the dynamic landscape of contractor taxation, Contractor Insurance IR35 Insurance offers tailored solutions, ensuring peace of mind and robust defense against unforeseen HMRC challenges.
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Your Trusted Partner in Contractor Protection.
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Contractor Insurance Brokers is a trading style of Roots Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 930814. Roots Insurance Brokers Limited is registered in England & Wales, number 12676044. Registered office: Jason Works, Clarence Street, Loughborough, Leicestershire, LE11 1DX.
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