The Numbers HMRC Doesn't Spell Out — But Agencies Can't Ignore

Joint and several liability isn't just a compliance update — it's a direct financial threat capable of destabilising even the best-run agencies. The legislation is widely discussed, yet the true scale of exposure within umbrella supply chains is rarely understood. That's why Orbio built its Tax Liability Calculator: a modelling engine that translates reform into clear, quantifiable financial impact so boards can plan with confidence.

Here's what the numbers reveal:

• A small agency with 0-49 workers at £20/hr could face £526,494 in annual liability.
• A mid-sized agency with 300 workers at £30/hr could see £5,380,092.
• A large agency with 1,000 workers at £40/hr could be exposed to £27,556,920.

These numbers represent more than risk — they represent existential exposure: cash flow jeopardised, client trust damaged, and years of founder effort potentially wiped out by a single failed umbrella.

Agencies now need both verified control and formal protection. SafeRec's independent payroll auditing provides the high-assurance foundation the legislation demands. Orbio then builds on that foundation with Lloyd's-underwritten insurance, stepping in if HMRC challenges arise despite compliance being evidenced.

If you're navigating this landscape and would like insight into your own potential exposure — or want to understand how Orbio's framework protects agencies — get in touch. We'll help you quantify risk, strengthen your position, and make the legislative environment work in your favour.