Specialist insurances and IR35 advice
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With products for professions ranging from CAD Engineering Consultants to Project Engineers, our insurances are specifically tailored to the needs of the Design and Construction industry and are underwritten by some of the biggest insurers in the UK. Here at Larsen Howie, we help you to protect your business so you can do what you love with peace of mind. We offer a huge range of insurances, from Professional Indemnity and Public (& Employers) Liability to IR35 Tax Investigation & Liabilities.
|Design & Construction professions we insure online|
|Access/Disability Consultant||Non-Destructive Tester|
|CAD Engineer||Planning Engineer|
|Fuel Efficiency Consultant||Transport Engineer|
If your profession isn't in the list above, we could still cover you.
Please call us on 01163 800 400 or email us for a personalised quote.
What insurances do Design & Construction (Non-Manual Work) contractors need?
Professional indemnity insurance (often referred to as PI) is one of the fundamental types of insurance for Design & Construction contractors and freelancers. Our PI policy protects you and your business, should your client allege that you’ve made an error or omission in your services. This can include inadequate buildings regulations advice given, negligence when handling client accounts, or flawed site designs. It also covers legal expenses when defending the claim, or any compensation needed to fix the problem.
Public liability insurance Public Liability (PL) insurance covers the cost of a claim made by a client or a member of the public that has suffered injury or property damage as a result of work you’ve done, i.e. a client may trip due to an untidy site and injure themselves. While this may not seem necessary if you’re a home-based Design & Construction contractor, it’s worth having even if you rarely work from a client’s office.
An IR35 Contract Review protects you from potentially being caught by IR35. IR35, or the Off-Payroll Working Rules, has been reintroduced to challenge possible avoidance of tax and NI contributions. In particular, HMRC is looking for so-called ‘disguised employees’ who gain and carry out work via partnerships and limited companies. This makes Design & Construction contractors, freelancers and consultants prime targets for investigation - particularly those working in the financial sector, pharmaceutical, or energy sectors. If you find yourself being investigated under IR35, HMRC will ask you to prove that you’re NOT an employee - this is where a preemptive contract review will be invaluable. We can also provide you with one of the UK’s leading tax experts for IR35 training or as a defence should you have to go to trial.
|Public (& Employers) Liability|
|IR35 Tax Investigation & Liabilities Insurance|
|IR35 Tax Investigation Insurance|
|Contractor Tax & Legal Protection|
|Contractor Personal Accident|
|IR35 Contract Review - Assessment|
|IR35 Contract Review - Full|
|IR35 Contract Review - Refresher|
|IR35 Contract Review - Convert|
|IR35 Working Practices Review|
|Articles you may find useful...|
|Do I need Professional Indemnity insurance?||What is IR35? A complete guide||Tax, legal and insurance jargon buster for contractors|