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Contractor Guides 26 Feb 2026

Professional indemnity insurance: what’s a retroactive date

Whether you’ve just taken out a professional indemnity policy or you’re shopping for new business insurance, chances are you’ve come…
Katie Collins-Jones

by Katie Collins-Jones

Contractor Guides

Employers’ liability requirements and who’s exempt

Employer’s liability insurance isn’t just a box to tick – it’s a legal safeguard that protects businesses and their employees,…
Katie Collins-Jones

by Katie Collins-Jones

Contracting Life

Jury service for self-employed: getting cover for loss of earnings

Jury duty if you’re self-employed can be the last thing you need. If you’re a freelancer or contractor and a…
Katie Collins-Jones

by Katie Collins-Jones

Partner News 30 Mar 2026

What JSL will mean for you: Five lessons from our expert panel

Earlier this month Kingsbridge brought together a panel of industry experts to discuss the implications of the government’s new JSL…
Kingsbridge

by Kingsbridge

Partner News

Employment Rights Act 2025 ‘brings world of work into 21st century’

Big changes to the world of work have been on the horizon for a while and the Royal Assent of…
Katie Collins-Jones

by Katie Collins-Jones

Trades 31 Mar 2026

What insurance does a tradesman need?

Insurance sounds like a good idea, but how do you know what insurance you need as a tradesman? No two…
Katie Collins-Jones

by Katie Collins-Jones

Trades 20 May 2026

Tool theft stories: tradespeople going beyond locks to keep tools safe

As tool theft continues to dominate headlines and social feeds, many tradespeople are no longer relying on standard security –…
Katie Collins-Jones

by Katie Collins-Jones

Trades 17 Mar 2026

What is contract works insurance?

However big or small your construction project is, contract works insurance could be a lifesaver if something happens. When you’re…
Katie Collins-Jones

by Katie Collins-Jones

    Latest articles

    Contracting Life 25 Jun 2026

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    News 19 Jun 2026

    The tax, pension and savings changes UK contractors need to keep on top of

    The 2026/27 tax year might not be bringing one dramatic overhaul, but it marks the beginning of a multi-year shift…
    Photo of dug out earth with construction worker on mini excavator, representing article on plant and machinery insurance
    Trades Life 01 Jun 2026

    What is plant and machinery insurance?

    From diggers and dumpers to cement mixers and compressors, plant and machinery are the backbone of many trades. Whether you’re…
    Close-up of dates on a green calendar, representing article discussing claims made vs claims occurring in business insurance
    Contractor Guides 26 May 2026

    Simplifying insurance: what is claims made vs claims occurring

    When you’re choosing insurance, you’ll often come across two terms: claims made and claims occurring. They both refer to the…
    Tradesmen tools laid out on table, representing article on tool theft stories and keeping tools safe
    Trades Life 20 May 2026

    Tool theft stories: tradespeople going beyond locks to keep tools safe

    As tool theft continues to dominate headlines and social feeds, many tradespeople are no longer relying on standard security –…
    Goodie bag from Powered Now Advice on Tap event, representing article on tradespeoples' concerns about tool insurance claims
    Trades Life 15 May 2026

    Powered Now ‘Advice on Tap’: trade talk and tool theft troubles

    Powered Now’s landmark event brings together tradespeople of all backgrounds. But conversations highlight the ongoing issue of tool theft, the…
    Photo of builders discussing construction plans, representing article on what professional indemnity means for tradespeople
    Trades Life 28 Apr 2026

    What is professional indemnity for tradespeople?

    Many tradesmen assume professional indemnity is only for people with a desk job. But in reality, if your work involves…
    Image of two builders carrying construction materials, representing article on do subcontrctors need their own insurance
    Trades Life 15 Apr 2026

    Do subcontractors need their own insurance?

    Knowing whether subcontractors need their own insurance can be confusing. Whether working in construction, roofing, plumbing, electrical work or specialist…
    Image of construction hard hats representing a guide to what insurance a tradesman needs
    Trades Life 31 Mar 2026

    What insurance does a tradesman need?

    Insurance sounds like a good idea, but how do you know what insurance you need as a tradesman? No two…
    Photo of a presentation screen at an event held by Kingsbridge on the JSL legislation and what it means for recruitment agencies
    Partner News 30 Mar 2026

    What JSL will mean for you: Five lessons from our expert panel

    Earlier this month Kingsbridge brought together a panel of industry experts to discuss the implications of the government’s new JSL…
    Builder working on a house extension roof, representing a guide to contract works insurance for tradespeople including what it covers
    Trades Life 17 Mar 2026

    What is contract works insurance?

    However big or small your construction project is, contract works insurance could be a lifesaver if something happens. When you’re…
    Image of bricklaying representing article on who needs trades insurance and what it covers
    Trades Life 10 Mar 2026

    Who needs trades insurance?

    If you work in the trades, chances are you’ve already heard people chatting about tradesman insurance, but have been left…
    Calendar with date circled, representing guide on what a retroactive date is in professional indemnity insurance
    Contractor Guides 26 Feb 2026

    Professional indemnity insurance: what’s a retroactive date

    Whether you’ve just taken out a professional indemnity policy or you’re shopping for new business insurance, chances are you’ve come…
    HMRC Making Tax Digital campaign asset, representing article disucssing the upcoming changes for sole traders April 2026
    Contractor Guides

    A ‘Making Tax Digital’ wake-up call for sole traders

    The way Britain pays tax is entering its biggest modernisation in a generation, with Making Tax Digital (MTD) for Income…
    Photo of HMRC London offices representing article discussing the Employment Rights Act 2025 being law, what changes it brings and what businesses need to do now
    Partner News

    Employment Rights Act 2025 ‘brings world of work into 21st century’

    Big changes to the world of work have been on the horizon for a while and the Royal Assent of…
    HMRC Self Assessment tax return letter for 2025 tax year sent to UK taxpayer with UTR and NINO
    Contractor Guides

    Online Self Assessment tax return deadline: what to know for 2026 (and beyond)

    If you’re required to file a Self Assessment tax return for the 2024/25 tax year, the deadline to submit it…
    Contractor Guides

    What is the difference between a sole trader and a limited company?

    One of the big questions for any contractor when they first set up as self-employed is whether you should operate as a…
    Image of sparks caused by power tools, representing article on what makes a trade high risk for insurance
    Trades Life

    Trades cover: who’s considered high risk for insurance

    If you’re in the trades, you already know the job isn’t without its risks. But did you know those risks…
    Image of HMRC building, London, representing article by Roger Sinclair discussing the Finance Bill 2026 and the effects of joint PAYE liability for recruiters
    Partner News 15 Dec 2025

    The Finance Bill is here: what recruiters need to know now

    The Finance Bill was introduced to the House of Commons on 2nd December 2025 and is unlikely to meet too…
    Image of trip hazard sign, representing article explaining employers' liability insurance requirements and who is exempt
    Contractor Guides

    Employers’ liability requirements and who’s exempt

    Employer’s liability insurance isn’t just a box to tick – it’s a legal safeguard that protects businesses and their employees,…
    Image of Chancellor Rachel Reeves in the House of Commons, delivering the Autumn Budget 2025, representing article talking through key budget takeaways
    Partner News

    Autumn Budget 2025: a headache of small changes and confusing deadlines

    The Autumn Budget 2025 has landed, and while it didn’t deliver one overarching headline-grabbing reform, it introduced a raft of…
    Image of person tripping over loose cable, representing article discussing the difference between public liability vs product liability
    Contractor Guides

    Public liability vs products liability: what’s the difference

    Delving into the world of business insurance can seem like a whirlwind, and that’s before you come across public liability…
    Image of agency business meeting, representing article discussing chapter 11 umbrella legislation and impact on recruitment agencies & umbrellas
    Partner News

    Chapter 11: clearing up confusion for recruitment businesses

    The new Chapter 11 of the Income Tax (Earnings and Pensions Act) 2003 aims to close loopholes around workers employed…
    Image of tradesmen using a demolition hammer representing article public liability insurance for trades
    Trades Life

    Do tradespeople need public liability insurance?

    As a tradesperson you’ll know that no two jobs are the same – whether fitting a kitchen, plumbing a bathroom…
    Image of thief breaking into a snowy van, representing article outlining tips on tool theft prevention in winter
    Trades Life

    How to prevent tool theft in winter: 7 tips for tradespeople

    As the days get shorter and the weather turns colder, some risks become a bigger threat for tradespeople across the UK and knowing how…
    Image of calendar date with "Jury Duty" handwritten inside, representing article discussing jury duty and impact of loss of earnings on the self-employed
    Contracting Life

    Jury service for self-employed: getting cover for loss of earnings

    Jury duty if you’re self-employed can be the last thing you need. If you’re a freelancer or contractor and a…
    Image of a graphic designer drawing on a tablet, representing an article on what business insurance for graphic designers is and what it covers
    Contractor Guides

    Business insurance for graphic designers: What it covers and why it matters

    Insurance for graphic designers is often questioned – why do they need insurance? What are they even covering? One Reddit…
    Image of a trades tool bag, representing an article discussing tool theft and what the Theft of Tools of Trade Bill is
    Trades Life

    What is the Theft of Tools of Trade Bill?

    If you’re a tradesperson, chances are you’ve either experienced tool theft yourself or know someone who has – and you’ll…
    Image of two people discussing a document, representing an business insurance glossary article explaining common insurance terms
    Contractor Guides

    Decoding business insurance: common insurance terms explained

    Insurance jargon can be like trying to understand another language sometimes. There’s probably plenty of common insurance terms you’ve come…
    Image of two office workers using laptops, representing IR35 experts discussing the draft umbrella tax legislation 2026 and the impact on recruitment agencies
    Partner News

    Umbrella tax legislation: What recruitment businesses need to know

    New laws aimed at cutting tax fraud and non-compliance in the umbrella company sector are due to come into effect…
    Image of tradesman using a power tool, representing article discussing how much is tool insurance and how to choose the right cover
    Trades Life

    How much is tool insurance for trades?

    If you rely on your work tools to get the job done, tool insurance is a smart way to protect…
    Image of worker at office desk contemplating a document, representing new business insurance checklist and what insurance you need to start a business
    Contractor Guides

    New business checklist: what insurance you need

    Starting a business is exciting – but it also comes with risks. Whatever your business, insurance can help protect you…
    Image of laptop keyboard with floating login screen graphic, representing article on key findings from 2025 cyber security reports
    Contracting Life

    Cyber security reports 2025: why businesses should prioritise staying safe online

    It’s no secret that online security is a huge factor for businesses big and small. Cyber attacks are becoming more…
    Image of electrician installing ceiling wiring, representing a guide to tradesman business insurance and what it can cover
    Trades Life

    What tradesman business insurance can cover – simplifying policies for tradies

    As a tradesman you know your trade inside and out. But when it comes to tradesman insurance, it may seem…
    Image of concerned person looking at phone, representing article with contacts and steps for how to report cyber crime
    Contractor Guides

    How to report cyber crime

    A single cyber incident can disrupt operations, compromise sensitive data, and damage trust. In the face of such a threat,…
    Image of shadow hands reaching for a personal laptop, representing a step-by-step guide on what to do if you're a cyber attack victim.
    Contractor Guides

    What to do if you’re a cyber attack victim

    It’s hard to live in the modern world without being online. But that’s made way for cyber crime. No longer…
    Image of laptop and login overlay, representing article on cyber security best practices for small businesses and freelancers.
    Contractor Guides

    Cyber security best practices: tips to keep your business safe online

    Whether you’re a freelancer, sole trader, contractor or small business owner, understanding and implementing cybersecurity best practices can mean the…
    Image of in-flight Ryanair plane, representing Court of Appeals IR35 case Jason Lutz vs Ryanair. Experts discuss key takeaway that "sham" PSC can't disguise employment
    IR35

    Jason Lutz v Ryanair: Pilot’s personal service company was a sham

    Having three decorative titles, plus a PSC that’s not strictly a PSC, doesn’t count as self-employment – court rulings.  A…
    Photo of Keir Starmer in House of Commons, representing article discussing the idea that the Labour Government is the only advocate of IR35's future
    IR35

    Why it feels like only Labour is IR35’s friend in 2025

    The Keir Starmer-led government looks content with the status quo – quite at odds with the people affected by IR35…
    Tradesmen using power tools representing article discussing tool theft and answering 'is tool insurance worth it' for tradesmen
    Trades Life

    Is tool insurance worth it? – A guide for Tradespeople

    We’ve said it before – work tools are the backbone of a tradesperson’s business. So why wouldn’t you get tools…
    Image of laptop and calculator representing article on tax rules applying to PSCs as a result of joint and several liability, discussed by expert Roger Sinclair
    IR35

    Far from refiring ‘outside IR35’, JSL for umbrella companies has ‘hidden gotchas’ for PSCs

    What any old someone might ‘suppose’ that someone else might ‘assume’ is a weakness in the woolly JSL legislation that…
    Image of two people study documents. Representing experts discussing the new umbrella company tax rules and the potential to 'refire' outside IR35 roles
    IR35

    Umbrella company tax legislation ‘could refire “outside IR35” jobs’

    The devil that contractors’ engagers know (OPW) may be better than the devil they don’t (JSL), signals Kingsbridge, FCSA, The…
    Image of Downing Street road sign & gate. Depicting HMRC Transformation Roadmap 2025 and announced changes for Making Tax Digital in April 2026
    News

    MTD for Income Tax just got the all-clear in HMRC’s Transformation Roadmap

    How a new Revenue roadmap charting Making Tax Digital’s future contains both a green and red light for users of…
    Two professionals having a discussion, representing experts commenting on new HRMC Umbrella Legislation and clearer guidance that umbrella companies need before Autumn Budget 2025
    Partner News

    New HMRC rules on umbrella companies ‘won’t be set until Autumn Budget 2025’

    ‘On the hook’ recruitment agencies have time to prepare for the ‘new reality’, which requires the chancellor’s ‘sign-off’ in the…
    External photo of UK Houses of Parliament
    Partner News

    Finance Bill 2026: New umbrella company PAYE rules explained

    On Monday 21st July 2025 (L-Day) the draft legislation for the Finance Bill: 2025-26 was released and as many of…
    Business team discussing UK tax policy reform and IR35 changes ahead of the Autumn Budget 2025
    IR35

    Why Rupert Lowe MP is right to say IR35 needs revoking

    The off-payroll rules are ripe for repeal, replacement, or reform at Autumn Budget 2025. The introduction of the off-payroll working…
    Image: Rupert Lowe, House of Commons. MP Lowe questions repeal of IR35 reform, turned down by Rachel Reeves. Experts discuss.
    IR35

    Rachel Reeves turns down ‘repeal IR35 reform’ opportunity

    MP Rupert Lowe tells Kingsbridge IR35 reform must be abolished, despite the Chancellor ducking his ask that all contractors return…
    Red car next to stacked coins, representing British Car Auctions IR35 tribunal outcome
    IR35

    British Car Auctions (BCA) loses status dispute due to substitution clause, sat idle and unused for 25 years

    Kingsbridge says dormant sub clauses aren’t automatically problematic for ‘outside IR35’ status, even if HMRC is actively probing personal service.  …
    Image: London Whitehall. Matt Collingwood discusses drop in CEST tool usage by contractors and HMRC's reluctance to invest in contracted-out services tool
    IR35

    Why HMRC might be hesitant to develop a contracted-out services tool

    If IR35 rabbit hole CEST was your last tool for taxpayers, would you be rushing to create its successor around…
    Image: Vehicle theft. Learn about key stats from UK Met Police data, tips for tool theft prevention and how insurance could help
    Trades Life

    Tool theft in the UK is an all-year problem, Met data shows

    UK police tool theft figures show longer days don’t deter thieves, suggesting tradespeople should keep their guard up whatever the…
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