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Income protection for contractors: how it works and what it covers

4th February 2024

...cover. What is covered by an IP policy, and what is excluded? Most illnesses and injuries are covered by an income protection policy, although the precise terms vary between insurers....

Public liability insurance explained: guide for IT contractors

6th January 2026

...and employers’ liability insurance, business insurance is a legitimate tax-deductible expense. How can I get a public liability quote? Get a quote from under £5/month with our long-term partner, Qdos....

employers' liability insurance contractors

Do you need employers’ liability insurance as an IT contractor?

5th January 2026

...cost for a sole-director limited company contractor (even if exempt) is low—often £50–£150 annually when bundled, depending on turnover and activities. You can get a quote via our long-term insurance...

Professional Indemnity for IT contractors – retroactive and run-off cover

13th December 2025

...than being backdated to the date of the alleged error/mistake being made. So, if you don’t have an active policy in place, you will not be covered by the terms...

Contractor mortgages – how to get one and how much can you borrow?

4th October 2025

...to set their minds at rest that you can succeed as a contractor in the long term. Be prepared to provide evidence of your qualifications and experience, copies of client...

What is an IR35 Status Determination Statement (SDS)?

5th February 2026

...IR35 advisers to assess status and review contracts. One such consultancy is our long-term partner Qdos. Because the client may ultimately be liable for any unpaid tax if an SDS...

IR35 insurance – tax investigation cover for contractors

3rd March 2026

...starts from around £16.58 per month (£199 per year), depending on your indemnity level. Employer Compliance Reviews and IR35 enquiries Here, our long-term contributor, Seb Maley (MD of Qdos), explains...

IT contractor expenses – what you can and can’t claim

26th January 2025

...provides tax relief on longer-term business assets. For most contractors, the Annual Investment Allowance (AIA) allows you to deduct the full cost of qualifying items in the year of purchase,...

How to invoice agencies and clients as a contractor + free template

8th September 2025

...law. See the official GOV.UK guidance on invoicing and taking payment from customers. Payment terms Although the agency or client will usually dictate payment terms, it is good practice to...

Salary skimming and how unethical umbrella companies profit from it

31st May 2024

...are being paid correctly. What is “salary skimming”? “Salary skimming”, while not a defined legal term, is generally understood as the covert or unclear retention of fees by an umbrella...