Emigrating to Canada, working as IT Consultant for UK company. Emigrating to Canada, working as IT Consultant for UK company.
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  1. #1

    Question Emigrating to Canada, working as IT Consultant for UK company.

    Hi,

    I am moving to Canada next month with a permanent residence visa. As I don't currently have a job over there, my current employer wished to keep me on as a contractor for 3-6 months while I get settled and find a job out there. It works out great for both parties.

    The first thing I am trying to figure out is how my contractor insurance would work. I work in the IT field so I would probably need some. I am not sure though where I should be looking for insurance though as I will be living in a different country but working for a UK company. Do I need to get insurance here or in Canada before I go? I have looked at umbrella companies but they have the same problem where they will only do it for the same country.

    The second issue I have (not sure if anyone knows anything about tax law), but has anyone had any experience with tax when working in a different country? I know UK and Canada have a double taxation law but is this dependant on where you are living or the country of the employer or which bank account your money is going into? I have tried calling the HMRC, booked 2 different call backs for this issue and got 0 so far. So any advice here would be much appreciated.

    I really really need some advice here as I have been looking everywhere and really can't find any answers to my questions. If anyone can give me any advice or point me in the right direction I would be incredibly grateful. The one I am really worried about and can't seem to figure out is the indemnity insurance so any clarity there would be fantastic.

    Thanks,

    Chris

  2. #2

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    How much insurance cover is your current employer asking you to have when you turn contractor ? - that’s amount you need

    Also why not just stay as a permie for next six months and do work from Canada

    Sorted


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    Quote Originally Posted by GhostofTarbera View Post

    Also why not just stay as a permie for next six months and do work from Canada



    This makes the most sense. No point spinning up a LTD for just 3 months.
    It would likely be inside IR35 anyway.
    See You Next Tuesday

  4. #4

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    Quote Originally Posted by GhostofTarbera View Post
    How much insurance cover is your current employer asking you to have when you turn contractor ? - that’s amount you need

    Also why not just stay as a permie for next six months and do work from Canada

    Sorted


    Sent from my iPhone using Contractor UK Forum
    My employer wants to start looking for a replacement for my role and wont employ me as a permanent employee at the same time. It also means that I can have a rolling monthly contract while I look for a job in Canada. I am not sure what you mean about how much insurance cover is required? They say I need personal indemnity insurance as I will be handling company data.

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    Can't you use a brolly? insurance comes with the deal, and all deductions are sorted for you.
    hassle free, if you use a good one like CU
    Entropy is NOT what it used to be.
    Inertia, however........................

  6. #6

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    Quote Originally Posted by BR14 View Post
    Can't you use a brolly? insurance comes with the deal, and all deductions are sorted for you.
    hassle free, if you use a good one like CU
    I was thinking of doing that but I'm not sure if I need a UK one or Canadian one. I think Canadian as all the UK ones wont take me on because I am moving abroad.

  7. #7

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    Quote Originally Posted by christownsend View Post
    I was thinking of doing that but I'm not sure if I need a UK one or Canadian one. I think Canadian as all the UK ones wont take me on because I am moving abroad.
    talk to ContractorUmbrella, i think if you keep a UK bank account you'll be ok.
    i used them when i lived in NL and worked for UK co's.
    Lucy, i think it is, posts on here often.
    Entropy is NOT what it used to be.
    Inertia, however........................

  8. #8

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    Quote Originally Posted by christownsend View Post
    My employer wants to start looking for a replacement for my role and wont employ me as a permanent employee at the same time. It also means that I can have a rolling monthly contract while I look for a job in Canada. I am not sure what you mean about how much insurance cover is required? They say I need personal indemnity insurance as I will be handling company data.
    Yes, how much indemnity insurance do they require you to have £100k, £1M, £10M - no point you getting £100K cover if they require £10M


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  9. #9

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    Quote Originally Posted by christownsend View Post
    Hi,

    I am moving to Canada next month with a permanent residence visa. As I don't currently have a job over there, my current employer wished to keep me on as a contractor for 3-6 months while I get settled and find a job out there. It works out great for both parties.

    The first thing I am trying to figure out is how my contractor insurance would work. I work in the IT field so I would probably need some. I am not sure though where I should be looking for insurance though as I will be living in a different country but working for a UK company. Do I need to get insurance here or in Canada before I go? I have looked at umbrella companies but they have the same problem where they will only do it for the same country.

    The second issue I have (not sure if anyone knows anything about tax law), but has anyone had any experience with tax when working in a different country? I know UK and Canada have a double taxation law but is this dependant on where you are living or the country of the employer or which bank account your money is going into? I have tried calling the HMRC, booked 2 different call backs for this issue and got 0 so far. So any advice here would be much appreciated.

    I really really need some advice here as I have been looking everywhere and really can't find any answers to my questions. If anyone can give me any advice or point me in the right direction I would be incredibly grateful. The one I am really worried about and can't seem to figure out is the indemnity insurance so any clarity there would be fantastic.

    Thanks,

    Chris
    I am very interested in this subject as I am also planning to move to Canada. Is there a contractors market there? If there is - is the money as good (or close) to UK?

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