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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

    Latest articles

    Contracting Life 25 Jun 2026

    Test Title On Blog

    lO Lorem ipsum dolor sit amet, consectetur adipiscing elit. In molestie nunc et odio rhoncus, at feugiat erat fermentum. Aenean…
    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…
    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…
    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…
    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 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 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 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 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 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 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…
    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…
    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: agency meeting. Ryan Dawson discusses urgent need for HMRC contracted-out services tool for IR35
    IR35

    A HMRC contracted-out services tool is already long overdue

    If the taxman can nip in the bud ‘contracted out’ issues, it would reassure us, APSCo and the CBI. It…
    Image: Parliament Street. HMRC rejects calls for CEST-style IR35 tool. Experts react after Employment Status and Intermediaries forum June 2025
    IR35

    IR35: Contracted-out difficulties don’t justify CEST-style tool, says HMRC

    APSCo and Kingsbridge echo the CBI’s call for HMRC to build employers a tool to determine fully contracted-out services (or…
    Businessperson discussing contractor status and IR35 determination during a compliance meeting, with paperwork and a laptop on the table
    IR35

    When IR35 applies, and when two OPW wrongs warrant a right

    ‘If there’s no intermediary, there’s no place for the Intermediaries legislation.’ Rinse, repeat – appeals Kingsbridge’s Ryan Dawson. If you…
    Image: self-employed managing tax. Article discussing decline in taxpayer usage of HMRC CEST tool
    IR35

    Taxpayer usage of HMRC’s IR35 tool, CEST, plummets

    ‘Horrific examples’ of taxpayers ‘gaming’ Check Employment Status for Tax (CEST) are being linked to a 73% drop in engagement. …
    Image: business shaking hands. Article discusses the recent employer's national insurance contribution changes, day-1 worker rights and the possible impact of hiring strategies
    IR35

    National Insurance changes & day-1 rights could see shifts in hiring strategies

    With the new Labour Government have come many changes (both actioned and announced) including the recent Employer’s National Insurance contributions…
    Image of business meeting. Article discussing IR35 blanket bans vs blanket status determinations
    IR35

    Blanket bans v blanket determinations: what the ‘IR35’ is the difference?

    Misunderstood. Misinterpreted. Misinformed. Kingsbridge sets the record straight on three flavours of the same thing; all making PSCs wince.  As…
    coloured umbrella photo - experts discuss Joint and Several Liability legislation for umbrella companies and potential for HMRC to 'pick and choose' tax rules
    IR35

    New umbrella company legislation ‘may see HMRC pick which tax rule, like IR35, fits best’

    Kingsbridge learns that framing ‘umbrella company’ too narrowly could lead to loopholes, whereas too widely may trigger a ‘pick and…
    Laptop view of HMRC Employment status UK research. Experts critique 2023 worker status research
    IR35

    What’s wrong with HMRC’s Employment Status research

    Five reasons why the Herculean effort required to read the Revenue’s Employment Status research probably isn’t worth it.   You’d think…
    Image: business research. HMRC study and research into UK employment status discussed by experts
    IR35

    ‘Unwieldy’ employment status research by HMRC ‘must compel ministers to act’

    Experts echo Kingsbridge’s assessment that confusing research about complex rules deserves clarity. Or at least a conversation.    Three things…
    Tribunal judgement, gavel - Richard Crabtree on substitution in Shanks HMRC IR35 case vs Deliveroo and Pimlico Plumbers case law
    IR35

    Why the ‘Deliveroo’ argument in the Shanks case was a non-starter

    Whereas the food delivery firm Deliveroo only had the ‘bad egg’ condition on its sub clause, the sheer number of…
    Exam invigilator image. Discussing Mrs J Shanks IR35 ruling on right of substitution
    IR35

    Shanks ruling reminds ‘outside IR35’ contractors of unfettered substitution’s value

    Unfettered. Freely exercisable. Without limiters. Anything less in a sub clause just won’t do (to keep personal service from biting). …
    Photo of NHS workers. Ryan Dawson talks about fewer NHS contractors taking out IR35 insurance.
    IR35

    Why IR35 insurance isn’t the panacea for NHS contractors it once was

    Medical freelancers operating free of IR35 cover is one thing. Switching it off entirely in the era of ‘fully contracted…
    What does IR35 insurance cover - image: two people discussing business documents
    IR35

    Contractors: here’s what IR35 insurance actually covers

    While the kitchen sink isn’t included, IR35 insurance can be reassuringly comprehensive, even if it has the potential to confuse. …
    HMRC CEST tool update - experts discuss how it falls short
    IR35

    Kingsbridge stands by CEST update ‘being akin to a facelift’

    Just as CEST’s single new question gets deemed ‘inadequate’, a historically ‘outside IR35’ scenario comes back as ‘unable to determine.’…
    Freelance NH physician - Jo Livingstone faced large tax bill after unchallengeable inside IR35 status
    IR35

    Sole trader’s ‘inside IR35’ label sparks £21,000 SEISS tax bill

    How IR35 can turn covid income support into ‘huge’ tax debt, made worse by lack of process and HMRC’s failure…
    Healthcare workers in a hospital. Dr Iain Campbell discusses IR35 in the NHS and risks for contractors
    IR35

    HMRC must cancel our NHS’ bad actors – the antitheses of Messrs Mantides and Paulin

    New IR35 has facilitated exploitative arrangements on our health service that the taxman must tackle, including for the good of…
    Business guidance, HMRC CEST tool update April 2025
    IR35 02 May 2025

    New CEST doesn’t require ‘outside IR35’ results to be retested – HMRC

    Beyond cosmetic? Or nothing more than just a face-lift? Status advisers clash over the officially ‘more accessible’ Check Employment Status…
    HMRC - CEST update April 2025 summary
    IR35

    Why the new CEST update by HMRC doesn’t go far enough

    The taxman’s quietly-made revisions don’t fix the flaws of an IR35 status tool built almost a decade ago.   An update…
    Mantides vs HMRC IR35 tribunal case ruling substitution main factor
    IR35

    Mantides v HMRC: Locum’s ‘lack of substitution the turning point’ of IR35 appeal

    Kingsbridge issues alerts on personal service, in wake of the doctor found inside IR35 largely because he couldn’t send someone…
    Doctors office - Experts discuss George Mantides IR35 appeal tribunal ruling
    IR35

    George Mantides IR35 ruling ‘limited by errors and case law shifts’

    An Upper Tribunal judgment on a urologist’s IR35 status gets the ‘interesting’ treatment.  A contractor urologist was correct to say…
    Freelancer mother smiling at laptop while child hugs her from behind in home kitchen, representing work-life balance and family time
    Contracting Life

    Getting more family time as a contractor or freelancer

    One of the biggest reasons people go self-employed is the promise of flexibility. The ability to choose your own hours…
    HMRC moves impact date to 2027 for small company threshold changes to opw
    IR35

    No OPW-free future for 14,000 firms until 2027/28, ‘earliest’ says HMRC

    The taxman is no longer talking about April 2026 for small company threshold changes changing up off-payroll working.  HMRC has…
    Elaine Richardson shares insights on her IR35 tribunal win
    IR35

    Q&A interview with IR35 winner Elaine Richardson: my take on trouncing HMRC

    A sit down with HMRC vanquisher, business analyst, and IR35 protection advocate Elaine Richardson, exclusively for Kingsbridge.  Elaine Richardson won…
    Contractor Guides

    How much professional indemnity insurance do I need?

    Professional indemnity insurance cover is one of the staples of many business insurance packages, along with public liability insurance and employers’ liability…
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