It's all up for renewal. Current I have liability insurance with QDos and IPSE+ membership
QDos have the new IR35 product offering representation & payment of all fees if found inside. However it says they won't represent you unless a) they think they'll win, and b) you haven't deliberately violated IR35.
Since they offer unlimited contract reviews now, I get the feeling you're shooting yourself in the foot if they review a contract and say it's not perfect, and the client won't change it. Because now you've demonstrated that you know that your contract may be in violation.
I kinda feel like that's the point, whereas if it passes, you don't really need the paying all your fines part of the insurance.
Anyone else feel the same way? I think I might stick with IPSE+ for IR35 purposes. Because although I would like peace of mind with taxes and fees, the policy wording doesn't fill me with hope that I'd get it. Namely these sections:
Unless we're gonna win you're on your own:
If you knew your contract wasn't airtight when reviewed, you're on your own:
Am I just being paranoid?
QDos have the new IR35 product offering representation & payment of all fees if found inside. However it says they won't represent you unless a) they think they'll win, and b) you haven't deliberately violated IR35.
Since they offer unlimited contract reviews now, I get the feeling you're shooting yourself in the foot if they review a contract and say it's not perfect, and the client won't change it. Because now you've demonstrated that you know that your contract may be in violation.
I kinda feel like that's the point, whereas if it passes, you don't really need the paying all your fines part of the insurance.
Anyone else feel the same way? I think I might stick with IPSE+ for IR35 purposes. Because although I would like peace of mind with taxes and fees, the policy wording doesn't fill me with hope that I'd get it. Namely these sections:
Unless we're gonna win you're on your own:
Professional fees will only be covered under this Policy if incurred with the insurer’s prior consent.
The insurer will give consent in writing or by telephone provided that there are reasonable grounds for representation of
the policyholder and provided that the insurer is satisfied that there are reasonable prospects of the policyholder
achieving a satisfactory outcome in the enquiry or dispute and that it is reasonable to incur professional fees.
The insurer will give consent in writing or by telephone provided that there are reasonable grounds for representation of
the policyholder and provided that the insurer is satisfied that there are reasonable prospects of the policyholder
achieving a satisfactory outcome in the enquiry or dispute and that it is reasonable to incur professional fees.
This Policy Will Not Cover
Where any circumstances of a claim are known of at the inception of this Policy or the time a policyholder was
declared for inclusion under this Policy about which the policyholder or appointed consultant knew or ought
reasonably to have known was likely to give rise to a claim under this policy.
Where any circumstances of a claim are known of at the inception of this Policy or the time a policyholder was
declared for inclusion under this Policy about which the policyholder or appointed consultant knew or ought
reasonably to have known was likely to give rise to a claim under this policy.
Comment