The new 7.5% dividend tax and how it affects NI

[WordIsBond]

Or use this:

IR35 Insurance

Yes, that's always an option.

But OP is clearly self-insuring, which is a legitimate option especially if you think the risk is quite low.

If you pay QDOS, the money is gone.

If you self-insure, you save the funds for six years, throw them in a solid investment, and if it is never needed, you are going to retire early. You'll lie on a beach somewhere getting skin cancer, so you won't live long enough to spend all that money, but your kids will be able to buy a house. WIN!

(Unless Komrade Korbyn comes to power and impounds all of it when you die, of course.)