Latest articles

Insurance policies, professional indemnity vs public liability, what's the difference
Contractor Guides

Professional indemnity insurance vs public liability

Professional indemnity vs public liability insurance: what’s the difference? Professional indemnity insurance and public liability insurance are often confused –…

Experts discuss Phil Thompson IR35 appeal loss in HMRC Upper Tribunal
IR35

Phil Thompson IR35 loss: ‘FTT didn’t put a foot wrong finding ex-footballer caught’

Kingsbridge’s lack of shock at Sky pundit losing to HMRC is echoed by top status and contractual experts. A Sky…

Experts discuss labour spring statement and single worker status and IR35
IR35

Alarm over Labour not ‘proceeding at pace’ on Single Worker Status

The Employment Rights Bill is keeping SWS on the shelf, much to the benefit of the unscrupulous and their ‘shuffling,…

Contractor reviewing documents in IR35 tribunal case with HMRC
IR35

Key IR35 ruling snippets: when HMRC took my ECR Consulting to court

Elaine Richardson picks 10 parts of the IR35 judgment that were key, telling, or memorable, including some she’d rather forget. …

Business professionals attentively listening at an IR35 conference, dressed in formal attire, representing contractors and recruiters discussing off-payroll working rules.
IR35

IR35 Conference: 10 off-payroll event takeaways

What the UK’s 8th annual IR35 Conference heard yesterday, even if you had to be in the room to find…

Business professional examining legal documents with a magnifying glass, symbolising an IR35 investigation and tax scrutiny.
IR35

My IR35 defence in ECR Consulting v HMRC and how it won out

A real-world account of how Control, Mutuality, and Substitution are the basis for a successful outside IR35 defence at tribunal…

Professional contractor in a suit reviewing tax documents and working on a laptop, considering IR35 status and Employer NI implications.
IR35

Contractors who revoke inside IR35 status ‘won’t get Employer NI back’

Plus, why ‘how much you pay HMRC in employment taxes doesn’t hugely differ from what you’ll pay outside IR35.’ Contractors…

A serious contractor in a blue shirt reviewing tax documents at a desk with a laptop and a glass of water, symbolising IR35 compliance and financial scrutiny.
IR35

The curious inside IR35 case of the contractor, a referral fee, and an agency flirting with TARR

All that glitters may not be gold — like this set-up which could catch HMRC’s eye too, warns Kingsbridge’s status…

Worried contractor looking at a laptop, concerned about an IR35 investigation and tax status.
IR35

Can IR35 be backdated?

IR35 reforms have significantly changed how contractors are assessed for tax purposes. One common question is whether HMRC can backdate…

Freelancer working on a laptop in a bright home office, with a cat nearby and plants on the windowsill.
IR35

ECR Consulting v HMRC: How I beat IR35, by Elaine Richardson

A software developer who vanquished HMRC says there’s an IR35 defence trinity that no outside IR35 limited company contractor should…

Business professionals debating tax policy at a conference, representing IR35 experts challenging HMRC's off-payroll research.
IR35

Top IR35 experts slam HMRC off-payroll impact ‘research’

FCSA, Brookson, and BDO join Kingsbridge in slapping a health warning on the taxman’s latest IR35 stats update. Alerts by…

Wooden judge’s gavel resting on a sound block, with legal books and scales of justice in the background, symbolising IR35 tribunal rulings and legal decisions.
IR35

IR35: What are the key factors at critical examination stage?

Six factors, versus 12 factors previously, will now be considered at the third RMC stage in all future IR35 cases.…

Business professional presenting IR35 Green Card proposal to a team in a modern office setting.
IR35

CBI tight-lipped over IR35 ‘Green Card’ at Spring Statement 2025

Most OPW experts (including Kingsbridge) hope silence from Britain’s biggest business lobbyist means its card idea has been folded. The…

Two professionals reviewing legal documents related to IR35 status and HMRC ESM update
IR35

HMRC updates ESM in wake of PGMOL, rescoping ‘IR35 battleground’

Contractors told it’s folly to overly focus on Mutuality and Control, unlike the ‘wider picture’  – where all future IR35…

Latest updates on IR35 and Spring Statement 2025 for UK contractors and businesses
IR35

What’s afoot with IR35 and will Spring Statement 2025 change OPW?

IR35 consultancy manager Matt Tyler speaks up on the big OPW issues, in his warm-up to the only March speech…

Picture of a female worker completing tax paperwork
IR35

IR35: Small company threshold changes to OPW-exempt 14,000 clients

HMRC confirms to Kingsbridge an off-payroll working exemption for scores of currently medium-sized companies, with effect from April 6th 2026.…

Bryan Robson IR35 case against HMRC explained – football legend’s tax tribunal decision on self-employment and image rights
IR35

Bryan Robson v HMRC final score 1-1: a deep dive into football legend’s IR35 case

Bryan Robson is no stranger to making headlines; as a legendary figure in English football, his career has been defined…

IR35 and sole traders
IR35

IR35 and sole traders: 2025 guide

“Is my sole trader business at risk because of IR35?” If you’ve asked yourself this question, you’re not alone. Many…

Two umbrellas in a rainstorm with lightning overhead, symbolising the protection business insurance provides from sudden risks.
Contractor Guides

Are you protected from the unexpected?

Whether you’re a freelancer, contractor, or small business owner, running your own business comes with risks. You’re juggling multiple clients,…

contractor adjusting for autumn budget
News

Autumn Budget 2024: What Contractors and SMEs need to know 

On October 30th, 2024, Chancellor Rachel Reeves announced her Autumn Budget, setting out a path for a “decade of national…

Contractor Guides

IR35 guide for overseas contractors and end clients

Does IR35 apply to foreign contracts, or when working outside of the UK? That’s a question we’re often asked at…

Stressed looking Asian man at laptop surrounded by paperwork
Contracting Life

How the NIS2 Directive impacts your business and the role of cyber insurance

The NIS2 Directive is legislation which aims to achieve a high common level of cyber security across the European Union.…

Is IR35 insurance worth it?
IR35

Is IR35 Insurance worth it?

One of the greatest obstacles if you’re a contractor, recruiter or end client that engages with contractors, is dealing with…

2024 General Election - Impact on IR35 Reforms
IR35

What does the General Election mean for the IR35 reforms in 2024?

With another General Election on the horizon, the political landscape is once again filled with debates, manifestos, and promises. For…

hmrc-pac-reveiew-ir35
IR35

IR35 reforms highlighted as core issue in PAC review of HMRC performance: a deep dive

In a critical examination, the Public Accounts Committee (PAC) meticulously assessed HMRC’s performance in 2022-23, placing particular emphasis on its…

Contractor Guides

Do I need personal accident cover as a contractor?

When you consider the insurances you need as a contractor, you’ll naturally leap to professional indemnity and public liability, but…

Contractor Guides

7 proven networking tips for contractors to grow your business

Networking has changed a lot over the years. While face-to-face networking is still an incredibly important aspect of relationship-building for…

Contracting Life

How to avoid January self-assessment stress

January is well and truly upon us. Most of us have completed our first full week back in work and…

Contracting Life

Contractor, sole trader or employee: what`s the difference?

Taking the decision to go self-employed can be a difficult one. After all, there are so many variables that you…

IT contractor at work
Contractor Guides

How to start your career as a self-employed IT contractor

IT contractors have never been in more demand than they are right now, so if you’ve been toying with the…

Contractor Guides

The Cost of Setting Out

If you’re a setting out engineer it’s more than likely you’ve seen a rise in your insurance premiums recently (or,…

Contractor Guides

Which business insurance do I need as a contractor?

We know it can be a minefield for contractors when it comes to purchasing the right insurance cover to protect…

IR35

How can I avoid an IR35 tax investigation by HMRC?

It’s understandable that, as a contractor, the last thing you want is to be investigated by HMRC for IR35. We’re…

IR35

Inside vs Outside IR35 a Positive Outlook

Operating through a Personal Service Company (PSC) and working outside IR35 provides contractors with a wealth of benefits. For instance,…

IR35

Introduction to Statement of Work (SoW): What it is, and isn`t

This is a guest post from Stuart Juggins, founder of Aardent. You can find more information about who Aardent are…

Contractor Guides

What if I get injured at work?

For any contractor who has previously been in traditional employment, you probably didn’t think that much about what would happen…

Contracting Life

5 Essential Skills Every Contractor Should Have

Don’t panic if you don’t have all of the skills below yet. These are just a few of the many…

Contracting Life

11 productivity hacks every freelancer should know

When you start working for yourself you can start to feel overwhelmed when it comes to managing your productivity throughout…

Contracting Life

7 reasons to quit your job and become a freelancer

Are you thinking about a job change? It might be slightly better pay, but will you feel truly satisfied? If…

Contractor Guides

Why Do Contractors Need Insurance?

One of the most common questions we get asked at Kingsbridge Contractor Insurance is ‘Why do I need insurance?’. No…

Contractor Guides

How every contractor can benefit from Professional Indemnity insurance

We’ve no doubt that you’ve heard of Professional Indemnity insurance before. You may know it by a different name; errors…

Managing Multiple Clients and Projects
Contractor Guides

Managing Multiple Clients And Projects

Are you struggling with managing multiple clients and projects in your work as a freelancer or contractor? Managing your workload…

Two male workers wearing high visibility vests in front of a wind farm
Contracting Life

Is becoming an energy contractor a good move?

If you’re working in the energy sector but getting tired of working for someone else, you might be starting to…

IT contractor in a computer server room
Contracting Life

What insurance do I need as an IT contractor?

With IT contractors in serious demand, there’s never been a better time for IT professionals to be self-employed. Although there…

IR35

Does IR35 apply to freelancers?

As a freelancer, you’ve probably heard about the IR35 reforms. Some freelancer platforms have been spotted using the new legislation…

Contractor Guides

Do I need an Employer Reference Number (ERN)?

Most contractors love the flexibility and control over your working life that being self-employed gives you. However, it does involve…

Contractor Guides

Does a contractor need professional indemnity insurance?

Professional indemnity, along with public liability, is one of the key insurance covers that most UK limited company contractors will…

IR35

Should I get my contract reviewed for IR35 compliance?

Since the IR35 reforms came into effect in 2021, most contractors will no longer be responsible for their own IR35…

Contractor Guides

Business Guide to Employers’ Liability Insurance

Employer’s liability insurance provides cover for your business if an employee makes a claim for a work-related injury or illness.…

Person writing a response to HMRC's IR35 compliance check letters, with documents on the table.
Contracting Life

A Contractor’s Business Guide to Retiring

Many of us dream of a relaxing retirement one day, but when you’re self-employed as a contractor it might not…