IR35 Insurance
Why IR35 Insurance Is Essential
With the increased HMRC focus on IR35 compliance in the construction sector, protecting yourself against potential investigations and tax liabilities has never been more important.
IR35 insurance provides financial protection if HMRC challenges your IR35 status determination. It typically covers:
- Legal representation costs during HMRC investigations
- Potential tax liabilities, penalties, and interest
- Expert advice during the investigation process
- Defense costs for tax tribunals if necessary
As a contractor in the construction industry, having IR35 insurance gives you peace of mind and financial security, allowing you to focus on your projects without the constant worry of unexpected tax bills.
Key Features of IR35 Insurance
Standard Coverage
- HMRC investigation defense costs
- Legal representation fees
- Basic tax liability coverage
- Appeal representation
Premium Coverage
- Full tax liability protection
- Interest and penalties coverage
- Extended historical coverage
- Contract review services
- IR35 status determination assistance
Our Partner Providers
DRC Assist has partnered with leading IR35 insurance providers to offer our users exclusive discounts on comprehensive coverage packages.
Construction Shield Insurance
10% DiscountSpecialized IR35 coverage for construction contractors
ContractorGuard
15% DiscountFull-spectrum IR35 and tax investigation insurance
BuilderTax Protect
£50 CashbackComprehensive coverage with free IR35 reviews
Get a Personalized Quote
Complete our IR35 assessment to receive tailored insurance recommendations based on your specific risk profile.
Register NowFrequently Asked Questions
The cost of IR35 insurance for construction contractors typically ranges from £300 to £1,500 per year, depending on the level of coverage and your specific circumstances. Factors affecting the premium include your contract value, sector-specific risks, and claims history.
Through our partnership program, DRC Assist users can access discounted rates starting from £275 per year for basic coverage.
When selecting an IR35 insurance policy, consider these key factors:
- Retroactive Coverage: Ensure the policy covers contracts that started before the insurance began
- Tax Liability Limits: Check if the policy covers the full potential tax liability you might face
- Legal Representation: Confirm the policy includes IR35 specialist legal representation
- Contract Review Service: Some policies include expert review of your contracts for IR35 risk
- Appeal Coverage: Ensure the policy covers the costs of appealing HMRC decisions
Register for an account to access our Tax Assistant for personalized advice on choosing the right policy for your situation.