Our long standing experience with the IR35 legislation has enabled us to offer protection in the event of enquiries from HMRC, as well as develop our pioneering IR35 insurance - Tax Liability Cover - specific to the contractor market.
IR35 case studies show that enquiries are seldom straightforward affairs, and even seemingly clear-cut cases such as that of Jensal Software Ltd, can go all the way to a tribunal. Tax and IR35 insurance can not only give you the financial security of being able to pay your tax liabilities, but also the expert representation to fight your case and help you through the difficult process.
With our tax and IR35 insurance policies, you have the advantage of a Qdos tax expert - benefiting from two decades in IR35 defence experience, and over 1,600 successfully defended cases. From day one of receiving a letter from HMRC, our tax advisors will deal with HMRC on your behalf.
View the table below to compare policies or see what our customers say.
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*Starting at £25K cover for liabilities, penalties, and interest collectively. Higher levels of indemnity are available at £50k, £75k, £100k, and £250k. Calculate your liabilities
**Unlimited assessments are available for £49+VAT. One assessment is included with this policy at no extra charge.
*** A PAYE compliance review/ An IR35 dispute/ A PAYE/NIC dispute/ A VAT dispute/ Any HMRC aspect enquiry/ Any HMRC full enquiry/ A Section 660A dispute (For an additional premium of £277 per annum you can also include cover for tax, interest and penalties as a result of a Section 660A enquiry. This option is only available with the Tax Liability Cover policy and can be selected during application)
Watch the following short video where our clients share their experiences of IR35 enquiries.
Qdos Contractor are one of the leading authorities on the IR35 legislation, and have successfully handled well over 1,500 IR35 enquiries on behalf of UK contractors since the legislation was introduced in 2000. Our tax advisors are ex-HMRC inspectors and all of our IR35 insurance policies include a free IR35 contract assessment. Our aim is to provide UK contractors with the assistance and service with IR35 issues they need as well as sustaining excellent quality and competitive premiums in the contractor insurance market.
Qdos started out as a tax consultancy back in 1988, and continues to provide tax advice, insurance, and defence today. IR35 has been at the forefront of contractor tax concerns since it was implemented in 2000, and Qdos has been defending contractors since day one. With this renowned expertise, Qdos revolutionised IR35 insurance for contractors, with the introduction of the Tax Liability Cover product, going beyond representation to cover the tax liabilities due as well, creating the most comprehensive IR35 insurance on the market, and backed by a proven record of defending cases.
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(inc. Insurance Premium Tax as applicable)
**(+ VAT @ 20% on checkout)
One-off £23.00 charge applied for monthly payment
Please note: Review products are not included in the monthly premium
Depending on the policy, IR35 insurance will cover the costs for an expert to defend your case in an enquiry and can be extended to cover for the resulting tax liabilities, penalties and interest if found to be inside IR35 as a result.
Qdos policies will cover you from the moment you receive a letter from HMRC all the way to tax tribunal should it get that far. We will provide you with our experts that include former tax inspectors to defend your case and liaise with HMRC on your behalf to close the enquiry as early as possible. This is covered under either of our IR35 insurance policies.
With our Tax Liability Cover – should the IR35 investigation result in a demand for taxes owed, the policy will cover these costs, plus any resulting penalties and interest, up to the limit of indemnity on the policy.
IR35 insurance is a worthwhile investment for any UK contractor. HMRC can open an enquiry into anyone’s accounts and as we have seen over the past twenty years, the approach is often guilty until proven innocent. From as little as £8.25 per month, you can get peace of mind that should HMRC come knocking, you have the support of specialist IR35 consultants.
With the changes to the off-payroll working rules (IR35) in place as of April 2021, it is important to remember that contractors remain responsible for their status prior to 6th April 2021 (and for any engagements with small companies) and any subsequent liabilities. HMRC can go back up to 6 years in an IR35 investigation so it is important to maintain cover.
Qdos pioneered IR35 insurance with Tax Liability Cover when the legislation was introduced – adding the liabilities element to our popular tax enquiry insurance policy. Since then, we have insured over 50,000 contractors against the risks of IR35.
Read real case studies here.