Specialist insurances and IR35 advice
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We pride ourselves on being one of the leading providers of specialist IR35 insurances and IR35 advice to contractors, freelancers and consultants in the UK. We offer contractor specific IR35 insurances to protect against HMRC investigations, including IR35 tax liabilities resultant from IR35 status enquiries, as well as a range of IR35 contract reviews and IR35 consultancy services.
View our complete guide to IR35. From its inception through to current day, we break down IR35 into easy to understand sections, providing you with clear and concise information on everything you need to know about the subject.
Protection against an IR35 investigation by HMRC is available to contractors so that they can have peace of mind against the worst happening.
Our range of IR35 Contract Reviews include:
|IR35 Tax Investigation Insurance|
|IR35 Tax Investigation & Liabilities Insurance|
Entry level cover, provided via our IR35 Tax Investigation Insurance ensures that if HMRC open an IR35 Status Enquiry into your company that you are provided with expert representation to defend the matter all the way through to conclusion, allowing you to continue to focus on the contract(s) being worked on rather than having to review, prepare and personally defend a case that could take years to conclude and cost tens of thousands in legal fees.
Comprehensive cover comes in the form of our IR35 Tax Investigation & Liabilities Insurance, which not only provides the expert representation from start to finish, but also cover any back tax and national insurance contributions, interest and an additional penalty, which can be up to 100% of the liabilities owed, all accumulated over the past six years that HMRC can look in to can amount to tens of thousands of pounds in addition to the expert representation cost. With both representation and liability cover afforded under the one product this provides contractors with the most complete peace of mind.
IR35 Contract Review - Assessments are provided as standard with every insurance product taken out with Larsen Howie, meaning you can submit your contract to us so we can review your IR35 status and advise you accordingly. Whilst the insurance policies run for a year from their start date, if you start another contract and want the associated contract reviewing we can do so. In addition, we also offer a IR35 Contract Review - Full which provides personal feedback on relevant clauses, and an IR35 Working Practices Review, all with various turnaround times to suit your requirements.
Every contract has its own IR35 position, and it only takes one contract to be deemed inside IR35 when it was thought to be outside to be caught and go through a costly process of paying back what HMRC deem to owed in back tax, interest and penalties. Having each contract reviewed is vital in being proactive and ensuring the correct IR35 status is ascertained in advance of a potential HMRC enquiry.
Our range of IR35 Contract Reviews include:
|IR35 Contract Review - Assessment|
|IR35 Contract Review - Full|
|IR35 Working Practices Review|
Our 'IR35 Contract Review - Assessment', 'IR35 Contract Review - Refresher' and 'IR35 Contract Review - Full' provide differing levels of feedback and inclusive options, allowing each individual contractor, freelancer or consultant to decide what is most suited to their needs. The table below highlights the differences, options and upgrades available between them:
|Overall inside/outside opinion||Included||Included||Included|
|Succinct list of essential changes||Included||Included||Included|
|Agency and end client liaison||Included||Included||Included|
|Required insurances highlighted||Included||Included||Included|
|Guidance on legislation for extended contracts||Not Included||Included||Included|
|Working practices reviewed||+£44.00||+£44.00||Included|
|Bespoke comments on each applicable clause||Not Included||Not Included||Included|
|Confirmation of arrangements document issued||+£30.00||+£30.00||Included|
|Service level options:|
|5 business day turnaround||Included||Included||Included|
|Next business day turnaround||+£25.00||+£25.00||+£50.00|
As one of the leading authorities on IR35, we offer our services to everyone, customers and non-customers alike, on a bespoke fee paying basis. Our team of leading industry experts are here to help you no matter how small or big your IR35 query. Our rates are £100 per hour to current customers and £120 per hour to non-customers (a current customer is someone who has purchased an insurance or service directly from us within the last 12 months and not cancelled that policy). >>> Read More >>>
When HMRC open an investigation or enquiry, dispute an item on a tax return, want to visit you or send you that first bit of correspondence telling you that they are looking into your IR35 status we can help. Our experts have decades of experience in dealing with HMRC enquiries, and with many of them being ex-HMRC Inspectors themselves, they know the quickest and most hassle-free way to conclude an enquiry and with the best result. Representation is provided when a claim is accepted with both our IR35 Tax Investigation Insurance and IR35 Tax Investigation & Liabilities Insurance (coming soon), but if you find yourself subject to a HMRC enquiry and not insured we are here to assist. Our IR35 HMRC Status Defence rate is £100 per hour and covers not just IR35 Status disputes but almost all HMRC enquiries. >>> Read More >>>
We offer IR35 training for individuals and groups, on a completely bespoke basis. Topics can be presented to a variety of audiences, from beginners through to technical experts, at your location or ours. Whatever your needs we can look to accommodate them and provide the precise training you require. >>> Read More >>>