Accountant has messed up Director's NI - help please on implications!

[PTP]

This might be a clue

https://www.bluefinprofessions.co.uk/professions/

If you're in some specialist fields then often agencies/clients insist you have the corresponding specialist PI like those listed on that page and not just the "Contractors Insurance" one because they see there as being some unique risks/unique level of risk. Brolly's seem to only take on contractors that fall in the "Contractors Insurance" bracket or share that level of risk.

[RobScott]

I think it is better to keep a war chest incase of prosecution and huge fine. you will have only 12 months to pay up