Please note that our offices will be closing at 4pm on Friday 30th July 2021. We will reopen at 8:30am on Monday 2nd August. If you have any queries in the meantime, please use the information available via the website or email and a member of the team will return your call as soon as possible. We apologise for any inconvenience caused.

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Insurance Policies


Tax Liability Insurance


From £16.58 (Per Month)

Tax Liability Cover
Contact Qdos Contractor:0116 269 0999

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.

Unlimited IR35 Contract Assessments Provided Free With Policy*
Find out more
Claims handled by ex-Revenue inspectors with proven record
Our most comprehensive IR35 policy
Over 1,500 cases successfully defended


IR35 is an ever present exposure for contractors and with now four specialist teams dedicated to enquiries, we can expect to see a significant increase. Professional representation is highly recommended in the event of an IR35 enquiry, without insurance, fees can cost over £130 per hour. 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, and so to assist you in assessing your requirements, 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.
The 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.


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 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.


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 £2​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)



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.


Changes to this Policy


For policies incepting on or after 15th April 2021, the below policy wording will apply. Please get in touch should you have any queries.

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Which products would you like:

Professional Indemnity (From £162.00)
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Public Liability (From £55.00)
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Tax Liability Cover (TLC35) (From £199.00)
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Tax Enquiry Insurance (Only £99.00)
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Jury Service and Legal Protection (Only £70.50)
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IR35 Contract Assessment (Only £49.00**)
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Full IR35 Contract Review (Only £125.00**)
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Contractor Sickness Cover (From £315.72)
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Qdos Travel Insurance (From £52.40)
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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


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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