Business Insurance
Tax Liability Insurance for Agencies and MSPs working with Umbrella Companies
New Legislation, New Risk - Are You Protected Against HMRC Investigations?
The new Joint and Several Liability Umbrella legislation is increasing compliance expectations for recruitment agencies and MSPs, placing greater responsibility on ensuring taxes are accurately paid to HMRC. Protect your business today.
What Is Tax Liability Insurance?
Essential protection for recruitment businesses
Supply Chain Responsibility
As a recruiter, you're liable for the entire payment chain
HMRC Investigation Risk
Cover legal fees for HMRC PAYE control VIsit and HMRC dispute
Financial Protection
Insurance covers penalties and unpaid taxes
Protect your business from unexpected HMRC investigations and their financial consequences
What Is Tax Liability Insurance?
A Stronger Compliance Framework – Are You Fully Protected?
Tax liability insurance protects recruitment agencies against the financial impact of HMRC investigations, including unpaid tax, interest, and penalties. As umbrella reforms increase compliance obligations and scrutiny across supply chains, this cover provides protection against residual risk including historic liabilities, regulatory reassessment, or compliance issues that emerge after due-diligence checks have been completed.
- Evidence a robust and well-managed compliance framework
- Provide reassurance to clients and supply-chain partners
- Protect against potential tax assessments, penalties, and interest
- Support business continuity in a complex regulatory environment
What This Policy Covers
Key Details
From £88.48/month
Comprehensive protection for recruiters working with SafeRec Certified umbrella companies
Flexible Cover Limits
HMRC PAYE Control Visits
HMRC PAYE Disputes
Insolvency
Taxes & Interest
Penalties
Comprehensive Protection
What's Covered?
This policy is designed specifically for recruiters working with SafeRec Certified and WTT vetted umbrella companies - acknowledging the due diligence you've already done, while still shielding you from risk.
- HMRC Pay As You Earn (PAYE) Control Visits
- HMRC PAYE Disputes
- Insolvency
- Taxes & Interest
- Penalties
Protection in Action
Understand how our policy can help your agency manage exposure and stay focused on growth if HMRC challenges arise.
Legal Defence
Covers professional fees for HMRC inspections, disputes or enquiries relating to audited workers, including any challenges to audit reports
Specialist defence support
Unpaid Tax & Interest
Covers PAYE and NIC liabilities - plus any interest - where HMRC confirms a liability after an enquiry for an audited worker
Unexpected tax and interest covered
Civil Penalties
Covers civil penalties or surcharges (not criminal fines) that arise directly from the HMRC settlement linked to audited workers
Relief from HMRC penalties
Tax Liability
Best Value
Starting from
£88.48/month
Transparent Pricing
What Does It Cost?
Protect your agency from £88.48/month, with flexible online cover up to £5m, giving confidence and financial certainty if HMRC challenges arise from umbrella supplier arrangements.
- Affordable for agencies of all sizes
- Pay monthly or annually to suit cash flow
- Combine with other insurance for total protection
- Simple online set-up - cover in minutes
Our Commitment
Why Choose Us
Orbio Tax Liability Insurance is fast, digital and built for recruiters. Underwritten at Lloyd's of London, it delivers strong, scalable protection — giving your agency confidence to grow while staying protected from HMRC challenges.
Post-Reform Design
Tailored for supply chains
Trusted by Leaders
Agencies and umbrella companies
Fast Claims Support
And compliance guidance
Legal Advice Hotline
No-cost available
Specialist Insurance
Underwritten at Lloyd's of London
SafeRec Integration
Designed for certified providers
Cover What You Can't Control
Even the best vetting process can't stop a surprise HMRC investigation. With Tax Liability Insurance, you're protected - no matter what's uncovered.