Protect yourself

Lots of HMRC tax investigations can be stopped before they start. When HMRC investigate your work, they will send you an initial notification.

IPSE Plus members are covered from this point, and IPSE will draft a response to the initial notification from HMRC, removing the stress and minimising the risk of responding incorrectly. If HMRC want to proceed with the check, IPSE will represent you at no cost.

For IPSE Standard and Plus members we will provide a specialist to deal with your tax investigation should there be a dispute with HMRC. The specialist will handle all correspondence with HMRC at no cost to you.

IPSE Plus members can also receive up to £500 per day compensation for loss of earnings for tax compliance meetings up to £1,500, as per your contract at the time.

IPSE Standard members can receive up to £250 per day compensation for loss of earnings for tax compliance meetings up to £750, as per your contract at the time.

If you have an outstanding invoice with an end client, agency, or umbrella company that is going bankrupt or into administration, it’s likely you won’t get paid. That’s why we provide IPSE members with up to £10,000 if an end client or agency goes into administration and up to £2,500 if your umbrella company goes bankrupt or into administration.

As an IPSE member, if you find yourself in a situation where your end client or the agency you’re working through doesn’t meet the terms of the contract that you have with them, IPSE will compensate you up to £1,000 based on your day rate as per your current contract.

As an IPSE member, if you are ill or injured for three or more weeks, IPSE will compensate you up to £2,000 based on your day rate as per your current contract.

All you’ll need to do is fill out a straightforward claim form and send it to our membership team in an email with some additional evidence, then we’ll take care of the rest.

If successful, we’ll send your compensation in a single payment, so that you can rest easy knowing your bills are covered and focus on getting back on your feet.

Around 33,000 people are called up to jury service a year, and when you’re self-employed that can mean losing income. That’s why IPSE compensates members with up to £5,000 if you are working on a contract and get called up for jury service, based on your day rate as per the contract.

If the contract you are working on at the time is completed via an umbrella company, you can be compensated up to £2,500.

IPSE plus members receive £5,000 life assurance as standard, and once activated you can choose to increase this up to £250,000 at a discounted rate. This serves as not only your life assurance but also as your death-in-service benefit.

By being included in a group rate, IPSE members can benefit from life assurance at a heavily discounted rate compared to the retail market through Legal & General.

For more information see our life assurance overview