Insurances that a Freelancer should have

There are three main types of insurance that a Freelancer should consider:  Public liability insurance:  This covers physical damage or harm done by the freelancer whilst representing their business.  This is a legal requirement – and contracts generally require £5m...

Insurances that a Freelancer should have 

There are three main types of insurance that a Freelancer should consider:  Public liability insurance:  This covers physical damage or harm done by the freelancer whilst representing their business.  This is a legal requirement – and contracts generally require £5m...

Warning! Umbrella companies – loan charge from HMRC

I have a client who recently came to us for help with her tax return with some letters from HMRC.  She is a social worker who was getting work via an Agency – and she was being paid by an Umbrella Company.  The lady isn’t British and took all the advice she received...