I've been paying QDOS for IR35 insurance over the past few years, partly because of the 50k legal cover for any investigation. The contract is up for renewal in a couple of weeks and I thought i'd do some digging to try and understand if this is worth it, and came across IPSE. This has 100k legal cover for any investigation. I just wondered if anyone on here thinks QDOS IR35 insurance is actually worth it? When you take out the insurance, you have to declare that you work in an outside IR35 compliant way. If you were ever investigated, and HMRC deemed you actually worked inside IR35, surely that declaration to QDOS would become invalid and so you could never receive the insured amount?
So from what I can tell, IR35 insurance from QDOS is almost pointless and IPSE should be the way to go?
So from what I can tell, IR35 insurance from QDOS is almost pointless and IPSE should be the way to go?
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