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Following the publication of the draft legislation on Travel and Subsistence, umbrella companies will be considering what their business model will look like from April 2016.
Direction, supervision and control seems to be the main driver and where the worker is directed by or there is a right to direct supervise or control their work, then tax relief on Travel and Subsistence will not apply going forward.
Risks facing the intermediary centre around unpaid tax liability and the risk to directors, both of which can be insured. Here is an overview of our insurance facilities:
Umbrella Choice is a comprehensive package of liability/professional indemnity insurances covering workers on a PAYE basis on a contract of service placed via recruiters or direct to end clients, across all sectors including construction, rail safety critical, oil and gas, HGV drivers and nursing and care. The policy can be extended to cover drivers negligence, offshore liability, medical malpractice as well as contents/computers, management liability risks and cyber liability.
Freelancers Choice is a package of liability/professional indemnity Insurances arranged in the name of the Limited Company. This is designed for PSC`s working via recruiters and is suitable for high hazard occupations including manual work, HGV drivers and offshore oil and gas contractors.
Online, click and buy insurance package of Liability and Professional Indemnity insurances, ProPac, is available from November 2015. Providing cover for 3, 6 or 12 months’ duration. Cover is immediate and documentation instantaneous. A link from your website or white label option can be created, with Jelf Manson providing the front of house service and your company becoming a professional introducer to Jelf Manson.
We have the ability to design and construct a block policy covering all of your PSCs. This enables you to offer a package of accountancy/payroll services, which could include the liability and professional indemnity insurances, all at a monthly cost which could provide you with a competitive advantage.
In the event of an HMRC enquiry, our new insurance policy can provide cover for professional fees incurred on your behalf and where legally allowable, any tax, national insurance, interest or penalties imposed on you. Please ask for full details of our new and exciting insurance protection for you and your agency clients.
To discuss any of the above please contact Peter Stoll on 0161 245 1215 or firstname.lastname@example.org