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Insurance Policies

 

Tax Liability Insurance

 

From £16.58 (Per Month)

Tax Liability Cover
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Contact Qdos Contractor:0116 269 0999
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From £16.58 (Per Month)

 

Tax Liability Cover (TLC35)

TLC35 is a comprehensive IR35 insurance policy designed with the threat of IR35 in mind. This tax liability insurance policy will protect you in the event of HMRC opening an enquiry into your accounts, whether it is a PAYE compliance review, VAT dispute, IR35 enquiry or a broad range of other HMRC enquiry, Qdos will be there from day one to defend you.

In addition to this invaluable support, the policy will also cover any tax/NIC liabilities, interest and penalties should you be found ‘caught’ by the IR35 legislation up to the indemnity on your policy schedule.

Tax Liability Cover is suitable for UK limited company contractors looking to defend against the risk of the IR35 legislation.

IR35 Off-Payroll Rules 

 

As of 6th April 2021, new rules apply to the IR35 legislation. Click here to find out the impact of this on your Tax Liability insurance policy.

Are you a recruitment agency or end user? Visit our commercial services website for fee-payer IR35 insurance.

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Unlimited IR35 Contract Assessments Provided Free With Policy*
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Claims handled by ex-Revenue inspectors with proven record
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Our most comprehensive IR35 policy
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Over 1,500 cases successfully defended
Additional Info
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IR35 is an ever-present exposure for contractors. Even after IR35 reform in the private sector, contractors working with small clients as well as those who were in contract prior to reform, are still facing the threat of enquiries. Professional representation is highly recommended in the event of an IR35 enquiry. Without insurance, fees can cost over £130 per hour with the entire process proving arduous for the inexperienced. For more information on IR35, click here.

Please note that this policy encompasses everything that is included in the Tax Enquiry Insurance and so it is not necessary to purchase both. Click here to compare these products.

Calculate Your IR35 Liabilities

 

We offer a range of indemnity limits on this policy. As such we are here to assist you in assessing your requirements. Simply book a call with one of our experienced IR35 consultants who will help you calculate your IR35 risk. It is important you choose an adequate level of cover to ensure, if in the event of an IR35 enquiry from HMRC, your tax liability doesn’t exceed your policy limit.

An IR35 calculation with one of our experts is a free service. You will need the following information on hand: how long you have been contracting, your average day rate, your VAT rate, your annual PAYE salary, how much you claim on travel and subsistence per month, and how much you spend on business insurance and accountancy fees per month.

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The Company

 

About Us

Why Qdos?

 

Qdos Contractor are one of the leading authorities on the IR35 legislation and have handled well over 1,500 IR35 enquiries on behalf of UK contractors. You will be defended by an ex-Revenue inspector who have been handling cases since the legislation was introduced in 2000, so you can have the peace of mind that your case will be handled by an experienced professional. In addition, we provide you with unlimited IR35 contract assessments with your tax liability insurance so you can take the 'reasonable steps to ascertain your status'.

Our Awards
 

Our History

 

Qdos began in 1988 as a tax consultancy business and has grown significantly over the past two decades, providing expert business services, products and advice. Over the years, Qdos has grown in both size and reputation as a trusted contractor insurance broker as well as an expert tax advisor. 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.

Our Expertise

  • Customer Reviews

    ALL THE PRODUCTS I REQUIRE ARE THERE - I ESPECIALLY LIKE THE £25K IR35 TAX LIABILITY COVER - I THINK I'M IR35 COMPLIANT BUT THIS INSURANCE IS WORTH HAVING AT THIS PRICE. John-Paul Blades - Trusted Qdos Customer
    Customer Reviews

  • Customer Reviews

    THEY WERE VERY RESPONSIVE ON THE PHONE AND BY EMAIL FOR REQUEST OF IR35 ADVICE AND THE COST OF THE INSURANCE WAS FAIRLY REASONABLE. Gary Styles - Trusted Qdos Customer
    Customer Reviews

  • Customer Reviews

    THEY PROVIDE PEACE OF MIND IN THIS EVER CHANGING WORLD OF CONTRACTING AND I AM HAPPY TO HAVE THEM AT MY SIDE. Trusted Qdos Customer
    Customer Reviews
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Tax Liability Insurance

 

Additional Information

1. Representation costs up to £50,000 in the event of:

  • 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 £2ā€‹77 per annum you can also include cover for tax, interest and penalties as a result of a Section 660A enquiry. This option can be selected during application)

2. IR35 tax/NIC liabilities, interest and penalties

3. Previous tax years covered

This insurance is offered on a 'claims made' basis. This means that the policy will cover claims which arise and are notified to our claims department whilst cover is in place, regardless of the period of time into which HMRC are enquiring.

 

We offer indemnity limits of £25,000, £50,000, £75,000, £100,000, £150,000, £200,000 or £250,000 but it can sometimes be difficult to work out what you actually need. In deciding on your level of cover you should consider:

  • How long you have been contracting

  • Whether you’ve worked at the same client for a prolonged period of time or not

  • What your average daily rate has been

If you have any queries regarding this policy please do not hesitate to contact us.

 

Policy Excess: £250 (for any one claim on the liabilities element of the policy only)

*FREE UNLIMITED IR35 CONTRACT ASSESSMENTS

 

Qdos Tax Liability Cover policyholders are entitled to unlimited free 'IR35 Contract Assessments' whilst their policy remains in place. This consultancy service is offered as a complimentary benefit, separate from the cover provided by the insurance policy. Further information regarding the IR35 Contract Assessment service is available here, and a comparison of the contract assessment service against Qdos’ other contract review services is available here.

IMPORTANT DOCUMENTS

TLC35 - Policy Wording

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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

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How Does IR35 Reform Impact My Tax Liability Cover?

 

IR35 Reform 2021

Will my policy cover me for work prior to the changes?

 

Tax Liability Cover already covers retrospective risk and there is no change in this respect following the reform. The Tax Liability Cover will react providing the statements agreed to upon application are true for the engagement under enquiry.

Will my policy cover me if I have received an 'inside IR35' status determination from my client?

 

Circumstances where contractors have received an SDS as 'inside IR35' by their client would have to be looked at on a case-by-case basis. There are a number of factors which could impact our ability to defend a contractor in an enquiry, but Qdos will always endeavour to ensure our clients benefit from their policies. This does not change the existing TLC policy, which was always subject to an assessment of the prospects of achieving a successful outcome.

 

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