It’s taken over 20 years of IR35 expertise to design a market-leading IR35 insurance policy that protects the entire supply chain involved in determining IR35 status under the Off-Payroll Working legislation (the current IR35 rules).

The policy provides £100,000 of cover for legal representation and defence costs in the event of an HMRC IR35 enquiry, plus an additional £100,000 of cover for IR35 tax liabilities, interest, and penalties that HMRC may deem payable at the conclusion of their investigation.

Crucially, the policy includes an extended four-year reporting period after the insurance ends. As HMRC can retrospectively review IR35 status, this effectively provides four additional years of protection at no extra cost.

The IR35 status assessment tool and IR35 insurance are provided by our sister company, The Contractor Compliance Portal (part of the Vestura Group). Through the platform, contractors can access completely free, no-obligation online IR35 assessments, enabling them to fully assess, understand, and document their IR35 status with confidence.

Roots Contractor Mortgages is part of Roots Contractor – which also consists of specialist business insurance provider Roots Contractor Insurance, and IR35 status assessment experts The Contractor Compliance Portal.

The Contractor Compliance Portal is a completely free platform that allows contractors to assess the IR35 status of their engagements, obtain instant results, and download documentation to be used as evidence if HMRC open an investigation, to compare to a SDS, or just for curiosity!

Roots Contractor Insurance is a 24/7/365 quote & buy platform that allows contractors to take out contractually required business insurances such as Professional Indemnity, Public & Employers Liability and IR35 Insurance.

All companies are part of Vestura Group – a fast growing, agile and dynamic group of specialist financial services businesses.

Roots has a long and established history in IR35, having been actively involved in the legislation and its practical application since the mid-2000s. We’ve used this deep expertise to bring to market a leading IR35 status assessment tool and IR35 insurance solution, specifically designed for recruitment agencies and end clients. Together, they provide a clear, compliant way to assess IR35 status and insure against the associated risks, helping to mitigate potential financial exposure.

Every Outside IR35 engagement carries a risk of HMRC investigation, whether through random selection, thematic review, or a trigger that prompts HMRC to look more closely. In the event of a claim, you receive professional representation from IR35 specialists who understand both the legislation and HMRC processes, giving you the strongest possible defence and the best chance of a successful outcome.

The insurance is provided on a fixed-price basis of just £16.00 per month per engagement, inclusive of Insurance Premium Tax, making it a cost-effective and predictable solution for ongoing compliance.

This cover includes £100,000 for professional representation costs to defend against HMRC IR35 investigations, along with a further £100,000 of cover for IR35 tax liabilities, interest, and penalties that HMRC may deem payable at the conclusion of their investigation.

The market-leading IR35 insurance includes two standout features. First, there is an extended four-year reporting period after the policy ends, effectively providing four additional years of protection at no extra cost, reflecting HMRC’s ability to retrospectively review IR35 status. Second, where an IR35 assessment is completed through The Contractor Compliance Portal and returns an Outside IR35 result, the usual “Prospects of Success” clause is removed in the event of a claim, offering a higher level of certainty and protection.

All policies are underwritten by a UK insurer, with claims handled by recognised UK tax and IR35 professionals, ensuring expert support and representation when it matters most.