The following insurance schemes, including employers and public
liability insurance, professional indemnity insurance, legal expenses
insurance, and tax and VAT investigation insurance, are recommended.
Employers liability insurance is statutory.

Employers and public liability insurance is claimable as part of the
IR35 5% general allowance. In contrast, professional indemnity insurance,
legal expenses insurance, and tax and VAT investigation insurance can be
claimed as a Schedule E expense, in addition to the 5% allowance.

For some insurance schemes, the insurance is combined. Therefore, it is
necessary to know for these schemes how the premium is split.


  • Caunce O'Hara

    Caunce O'Hara offer separate employers and public liability
    insurance, professional indemnity insurance, and legal expenses
    insurance, including tax and VAT investigation cover. Premiums are
    competitive, particularly above the minimum level of indemnity.

    The premium for professional indemnity insurance depends on
    anticipated annual turnover, with cover and corresponding premiums
    for several limits of indemnity. The premium is the same for one or
    two directors, whether contracting through an agency or
    direct with client.

    We hold the above insurance with Caunce O'Hara.


  • RMK

    RMK offer competitive professional indemnity insurance, with
    cover and respective premiums for several limits of indemnity,
    and either one or two computer consultants.

    It is necessary to specify anticipated split of turnover by
    field of work, and if contracting direct with client, percentage of
    turnover earned from largest single client. Premium does not
    however depend on turnover.

    The cover may be changed during the policy year, with payment of
    the difference in premium or part thereof for the proportion of the
    year remaining.

    We were happy to use RMK for professional indemnity insurance in
    the past.


  • 3 sixty group

    3 sixty group offer separate employers and public liability
    insurance, professional indemnity insurance, and
    tax and VAT investigation insurance, which are placed with
    Trafalgar Risk Management. Premiums are competitive.

    We were happy to use 3 sixty group for employers and public
    liability insurance and tax and VAT investigation insurance in
    the past.


  • Trafalgar Risk Management

    Trafalgar Risk Management offer the insureIT Computer Contractors
    Insurance Scheme. The scheme combines employers and public
    liability insurance, professional indemnity insurance and
    legal expenses insurance.

    The premium depends on anticipated annual turnover, and if
    contracting direct with client instead of through an agency, it is
    necessary to specify anticipated split of turnover by type and field
    of work and by client. Higher premiums apply if 25% or more of
    overall turnover is from direct instead of agency clients.

    The premium split is 50% for employers and public liability
    insurance, 50% for professional indemnity insurance.

 
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Trading Address: The Flat, Newtimber Place, Newtimber, Hassocks, West Sussex, BN6 9BU.
Registered Office: Unit 4, Vista Place, Coy Pond Business Park,
Ingworth Road, Poole, Dorset, BH12 1JY.
Registered in England & Wales, No. 3953959, VAT No. 756 2086 21
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