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  • Limited Company
    • Contracting via a limited company – advantages and disadvantages
    • How to set up a limited company as a contractor – comprehensive guide
    • Limited or umbrella company – which is best for contractors?
  • Umbrella Company
    • How to compare umbrella companies: 20 things to consider
    • Contractor umbrella company fees – how much do they charge?
    • How to find reliable umbrella company reviews
    • Umbrella Company Directory
    • Umbrella Company Calculator – calculate your net pay (2026/27)
  • IR35
    • IR35 and Off-Payroll explained – a simple beginner’s guide
    • IR35 timeline: when it was introduced and how it evolved
    • Download free IR35 contract templates and example clauses
    • Guide to IR35 contract review services for IT contractors
  • Accounting
    • Contractor accountants – what to look out for
    • Do you have to appoint an accountant for your limited company?
    • Your company annual accounts – the basics, and filing deadlines
    • Top 10 Contractor Accountants (2026)
  • Tax
    • What is the most tax-efficient director’s salary in 2025/26?
    • Corporation tax – guide for limited company contractors
    • Limited company tax basics for contractors
    • What are limited company dividends and how are they taxed?
  • Expenses
  • Insurance
    • Business insurance – what’s mandatory?
    • Professional Indemnity
    • Public liability insurance
    • Employers’ liability insurance
    • Life Insurance
    • Income Protection
    • Private Medical Cover
    • Critical Illness Cover
  • Work
  • Finances
    • Contractor Pensions
    • What is a SIPP?
    • Contractor Mortgages
    • Business Banking

Umbrella Company Guides

Many contractors – out of choice or necessity – work via PAYE umbrella companies.

This is a low-stress way of getting started as a contractor, although less tax-efficient than working via a limited company.

There are hundreds of umbrella companies out there.

It is crucial that you only sign up to an established UK-based PAYE umbrella, as there are some unscrupulous providers out there.

Use our concise guides to learn how this business structure works in practice, what to look out for, and how to find the best umbrella provider to fit your needs.

  • How much do umbrella companies cost? – the ‘margin’ or ‘fee’ charged by providers varies considerably.
  • Compare umbrella companies – how to compare umbrella providers – 20 things to look out for so that you can accurately compare umbrella firms.
  • Expenses you can claim via an umbrella company – HMRC has clamped down on the scope of reclaimable expenses, so what can you still claim for?
  • Umbrella company reviews – how to find genuine feedback on the bewildering choice of umbrella companies.
  • IR35 and umbrella working – does this infamous legislation affect umbrella contractors, or just limited workers?
  • Umbrella advantages and disadvantages – the pros and cons of working via a PAYE umbrella company.
  • Limited or Umbrella Company? – which is the best route for you?
  • Is your umbrella company payslip correct? – use online tools to make sure your deductions are correct.

Umbrella Company Directory

how many umbrella company employees

How many umbrella company workers are there in the UK?

17th January 2025
The number of umbrella company workers in the UK has increased substantially over the past 15 years. We reveal the estimated totals from 2008 to 2023.
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PAYE Umbrella Company

How does a PAYE umbrella company work?

16th January 2025
How does a PAYE umbrella company work in practice? We look at the steps from signing up, to submitting timesheets and getting paid.
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Umbrella Company Expenses

Umbrella company expenses and the SDC rules – a concise guide

15th January 2025
One of the first things umbrella contractors ask is - what can they claim for on expenses? The truth and 'mistruths' about reclaiming contractor expenses.
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ghost payroll

Ghost payroll schemes – warning for umbrella company workers

8th August 2024
A leading compliance firm has warned umbrella company workers to be aware of the latest scam to hit the industry - in the form of 'Ghost Payroll' schemes.
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salary skimming umbrella

Salary skimming and how unethical umbrella companies profit from it

31st May 2024
Several high-profile umbrella companies have been embroiled in allegations of a new practice known as "salary skimming". How can you spot it?
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contractor tax avoidance scheme

Contractor tax avoidance schemes – warning signs to look out for

15th February 2022
Tax avoidance schemes come in all shapes and sizes. To veteran contractors, the warning signs may be obvious, but many others are (or have been) duped into using them. They represent a clear and present danger to your current and future prosperity.
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government umbrella

What is the government’s stance on umbrella companies?

8th February 2022
With hundreds of thousands of workers using umbrella companies in the UK, and over 500 providers to choose from, what is the government's stance on umbrella companies, and how is it seeking to ensure compliance within the sector?
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