Contractor Tax & Legal Protection

Our fully comprehensive policy offers the
following cover as standard for all trades:


Policy features:

  • Contract/consumer disputes

  • Personal injury
  • Property and licence protection

  • Wrongful arrest

  • Debt recovery

  • Data protection

  • Criminal prosecution defence

  • Complimentary telephone legal advice line
  • Identity theft

FREE IR35 Review

Legal Costs Covered

    We offer peace of mind by covering the legal costs involved in a tax case. We also offer professional representation, whether you're looking for defence, pursuing a commercial or personal claim, or are making an appeal. Legal costs covered include solicitors and barristers’ fees, court costs, experts’ fees and attendance expenses.

  Expert Advice and Consultancy

Expert Advice and Consultancy 

    Our Head of Tax, Andy Vessey, is widely recognised as one of the UK’s foremost IR35 and tax law experts, having personally and successfully defended more than 500 tax investigations. His expertise is accessible for all clients of Larsen Howie.

  Tailored for Contractors, Consultants and Freelancers

Tailored for Contractors, Consultants and Freelancers

    The beauty of contracting is that each end client, contract and project is different from day to day, and a cookie-cutter review doesn't do your contract justice. We approach each contract review as a unique document, so you get tailored recommendations and as accurate an opinion as possible.

Frequently Asked Contractor Tax & Legal Protection Insurance Questions

Our Contractor Legal Protection Insurance has been specially designed for contactor, freelancers and consultants to provide them with professional representation for both the defence and pursuit of commercial and personal claims, including appeals. The policy reacts by covering the legal costs involved in a case, which can include solicitors and barristers’ fees, court costs, experts’ fees and attendance expenses.

Every business owner needs to ensure that they are protected against the risk of having to defend or pursue a legal dispute with a third party. With ever increasing legal fees for defending or pursuing a case through the UK courts, our contractor legal protection affords you peace of mind that expensive solicitor fees are covered for a range of common disputes that a contractor faces, allowing you to focus on your day to day core activities of being a contractor rather than be weighed down by the timely complexities and stress associated with a legal dispute.

It is uncommon for end clients and agencies to insist that a contractor hold legal protection insurance before they are allowed to commence a contract, but many contractors decide this is too bigger risk for their business to take, and ensure they have cover in place prior to commencing. This cover offers peace of mind, whether you're defending yourself, purusing personal or commercial claims, or appealing a decision.

From an IR35 perspective, a business strengthens its IR35 status by holdiing contractor tax & legal protection, with some contractors feeling it is prudent to have this insurance in place even if the end client or agency do not request it. Holding this cover can go some way to proving that you have some financial risk in working for yourself, which is often a key indiciator as to whether a worker is geuinely self-employed.

Whether you’re a start-up or a well-established business, you want to focus on making your company a success. Legal disputes from employees, customers or even HMRC are the last thing you need. Having the right commercial legal insurance from day one can make all the difference so you can get on with what you do best and, while it feel like it may not ever happen to you, you'll be glad to have this cover if it does.

We can cover you up to £100,000 for legal costs when defending a claim. This could help cover the appointment of solicitors, barristers and expert witnesses. We’ll work with you to make sure your policy fits with your needs and we'll also give you access to free, expert legal advice.

Discover more on contractor personal accident insurance:

 Visit our Knowledge Hub for industry news articles, whitepapers, useful downloads, expert guides and easy-to-use templates for the self-employed – all the contractor content you need in one place

PAI       PAI     PAI
Do I need personal accident insurance?
I’m contracting - what insurances do I need?
Setting up a business consultancy: do you need insurance?