TonyEnglish ,your Modis contract does not seem standard to me. I start a contract secured with Modis next week monday. In the contract, they require me to indemnify my limited company to the value of £500,000 for Professional Liability and £500,000 for Public Liability. I have worked with Modis several times in my 13 years as a Freelancer , and have never had a clause which requires me to pay back monies in the event of termination in the first four weeks. Ask them to send you a schedule for Limited Company suppliers on Projects, and their standard terms and conditions for Limited company Suppliers( as a starting point and work in the clauses you want ...negotiate man) . ...or are you going through the umbrella route?