IR35 Insurance

Off-Payroll Protect: for recruitment agencies

Protect your recruitment agency and enjoy peace of mind across the whole contractor supply chain.

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Why off-payroll reform affects recruiters

Off-payroll reform was introduced in April 2021 in the private sector, shifting the responsibility of determining IR35 status from limited company contractors to medium and large size end clients. The tax liability now also sits with the fee-payer in the supply chain which, in most cases, will be the recruitment agency.

Business that engages with contractors directly

IR35 changes in legislation: the role of the recruiter

The fee-payer (in most cases the recruitment agency) is responsible for deducting and paying the relevant tax, Employer’s NI and Apprenticeship Levy to HMRC. The liability for incorrect status determinations sits with the fee-payer should HMRC successfully challenge status.

This means that a recruitment business (as the fee-payer) generally carries the most risk despite the end client being responsible for the status determination made.

This can be an intimidating risk. So in order to keep your business protected, you need insurance in place that will pay out when you need it the most.

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Mitigating risk with Off-Payroll Protect

Our market-leading policy insures any outside IR35 status determination. It will cover all parties in the supply chain, including the party HMRC deems liable following a successful challenge.

By taking Off-Payroll Protect you will give potential clients confidence that they are engaging with an agency that, is not only protecting themselves, but also cares about the whole supply chain should HMRC investigate.

What are the benefits of Off-Payroll Protect for recruitment agencies?

To help mitigate the risks associated with IR35, Off-Payroll Protect from Kingsbridge provides two primary sections of cover:

  • £100,000 of cover per contractor for professional fees to defend an IR35 status enquiry.
  • £100,000 of cover per contractor for Tax & National Insurance liability, interest and penalties in the event your contractors are deemed inside IR35.

Other key benefits include:

  • Covers all parties in the contractor supply chain
  • 6-year extended reporting period following the initial policy period
  • Underwritten by Accredited (First Underwriting), an A-rated insurer
  • Ability to insure a third-party status assessment through our Insurance Validation Tool
  • High acceptance criteria for contractors (turnover up to £500k) 
  • No occupation restrictions, allowing you to cover all contractors.  
  • Contractors are insured monthly giving full flexibility over fluctuating contractor engagements
  • Confidence and peace of mind when engaging outside IR35 contractors

Keep the best talent on your books

Taking positive steps to protecting the risks associated with off-payroll working and getting the right cover in place has never been more important.

Book a consultation with a member of the Kingsbridge team today –


Why choose Kingsbridge?

Kingsbridge has been offering exceptional IR35 insurance and compliance solutions since 2001. We currently work with over 50,000 contractors; and our IR35 solutions have been implemented by over 4,200 end-hirers and more than 400 recruitment agencies since 2021.

We don’t just provide insurance – our team of IR35 experts are dedicated to helping all parties in the contractor supply chain to overcome challenges, providing advice and support that’s second to none. Kingsbridge’s Head of Tax, Andy Vessey, has successfully defended over 550 IR35 enquiries and is now handling some of the very first Off-Payroll enquiries.