How can I protect my business?
When you work for yourself, your business is your livelihood and protecting it should be a top priority.
With IPSE, you’re never facing risk alone.
Being self-employed is risky
When you work for yourself, your business is your livelihood and protecting it should be a top priority.
Unlike traditional employees, self-employed people don’t have built-in legal teams, HR departments, or financial safety nets. If a client refuses to pay, a contract is breached, or a tax dispute arises, it’s all down to you.
Plus, there’s the risk of missing out on income due to things outside of your control - like illness, injury, or even being called up for jury service.
We help protect you
We help you understand and manage your business risks, safe in the knowledge that we can provide tailored benefits that protect against the unforeseen:
- Tax and legal helplines
- Cover for illness, injury, and jury service
- Insurance for contract breaches, or if your end client/agency/umbrella company goes under and can’t pay you
- Tax investigation cover for professional/legal fees
- Advice (tailored to the self-employed)
- And our campaigning to make the UK a fairer place to freelance
With IPSE, you’re never facing risk alone.
Become a member
Unlock these benefits today
Self-employment comes with enormous rewards - but it has its fair share of challenges too. That's where we come in. Whether it's protecting your business, demystifying tax or finding your next client, we're here to help.
How our benefits help you solve this problem
Tax & legal helplines
Make an unlimited number of calls to our tax and legal helplines for near-immediate answers to your burning questions.
Illness & injury cover
If you’re ill or injured for three or more weeks and can’t work, we'll compensate you for loss of earnings.
Jury service cover
When you’re self-employed, serving on a jury can mean losing income. That’s why IPSE compensates members for loss of income due to getting called up for jury service.
Tax and VAT investigation cover
Freelancer membership: Cover up to £50k
Umbrella membership: Cover up to £50k
Director membership: Cover up to £100k
If your tax affairs are investigated by HMRC, we’ll provide you with a specialist to represent you in all HMRC compliance checks, and financial cover for professional/legal fees.
Contract failure cover
Get compensated if you find yourself in a situation where the agency you’re working through or your end client doesn’t meet the terms of the contract that you have with them.
End client or agency failure cover
Get protected if you have an outstanding invoice with an end client or agency that is going bankrupt or into administration.
People facing this challenge usually go for...
Most suitable for you if
You run your business as a Limited company.
*minimum annual subscription
Benefits include:
- Tax and legal helplines
- IPSE Offers
- Unlimited co-working
- Business Hub
- Events, networking & training
- Member directory
- Campaigning
- Advice and guidance
- Discounted contract review
- 1-2-1 Success Sessions
- Illness and injury cover up to £2,000
- Jury service cover up to £5,000 per claim
- Tax & VAT investigation cover of legal fees up to £100k, £500 per day for loss of earnings up to £1,500
- Managed service company cover
- Contract failure cover up to £1,000
- Tax pre-dispute cover
- End client or agency failure cover up to £10k for loss of earnings
Most suitable for you if
You provide your services or products as a sole trader or freelancer.
*minimum annual subscription
Benefits include:
- Tax and legal helplines
- IPSE Offers
- Unlimited co-working
- Business Hub
- Events, networking & training
- Member directory
- Campaigning
- Advice and guidance
- Discounted contract review
- 1-2-1 Success Sessions
- Illness and injury cover up to £1,500
- Jury service cover up to £2,500 per claim
- Tax & VAT investigation cover of legal fees up to £50k, £250 per day for loss of earnings up to £750
- Managed service company cover
- Contract failure cover up to £1,000
Most suitable for you if
You provide your services via an umbrella company.
*minimum annual subscription
Benefits include:
- Tax and legal helplines
- IPSE Offers
- Unlimited co-working
- Business Hub
- Events, networking & training
- Member directory
- Campaigning
- Advice and guidance
- Discounted contract review
- 1-2-1 Success Sessions
- Jury service cover up to £2,500 per claim
- Tax & VAT investigation cover of legal fees up to £50k
- Run-off IR35 enquiry cover for legal fees up to £25k
- Umbrella default cover up to £3,000
Explore all memberships
Our member engagement representatives are happy to help! Book a call to chat with one of them today.
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