Roots is steeped in IR35 expertise, having been actively involved in the legislation since the mid-2000s. They’ve used this experience to develop the IR35 Insurance for contractors, specifically designed to provide professional representation in the defence of HMRC IR35 status investigations, as well as enquiries relating to tax, VAT, PAYE, NIC and Section 660A.

We are one of the few providers able to offer cover not only for defence costs, but also for the tax liabilities, interest and penalties that HMRC may deem payable at the conclusion of an investigation, delivering a far higher level of protection than standard policies.

The policy also includes access to sister platform, The Contractor Compliance Portal, where you can complete free, no-obligation online IR35 assessments. These assessments allow you to fully assess, understand and document your IR35 status. Where an assessment returns an Outside IR35 result, the usual “Prospects of Success” clause is removed in the event of a claim, providing added certainty and confidence.

Holding a Contractor IR35 Protect policy alongside Professional Indemnity insurance and Public Liability insurance provides a comprehensive defence against the major financial and compliance risks faced by contractors in today’s working environment.

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.

Quite simply, this is the only IR35 insurance policy on the market that allows you to tailor cover to your exact requirements. Prices start from just £50.00 (inclusive of Insurance Premium Tax) for £100,000 of cover to fund the cost of professional representation in defending against a wide range of HMRC investigations and enquiries, including those into IR35 status.

The policy can be extended to include an additional £100,000 of cover for IR35 tax liabilities, interest and penalties. This applies to both the ‘old’ IR35 rules, where HMRC investigations are opened under Chapter 8 of ITEPA (the Intermediaries Legislation), and the ‘new/current’ IR35 rules, where investigations are opened under Chapter 10 of ITEPA (the Off-Payroll Working legislation).

Every contractor is potentially at risk of an HMRC investigation, whether through random selection, a thematic review, or a specific trigger that prompts HMRC to examine your tax affairs. In the event of a claim, you receive expert professional representation to defend your position against HMRC, giving you the best possible chance of a successful outcome.

All policies are underwritten by a UK insurer, with claims handled by recognised UK tax and IR35 specialists, ensuring you receive expert representation at the time you need it most.