Insure the Chain
This phrase means ensuring that everyone on a construction site has the required insurance. It is the contractor’s responsibility to ensure all the sub-contractors have the required insurance and that the insurance is valid for the duration of the project. Engaging with a company like Indigo CIS means that contractors can pass on the administrative burden of keeping track of the insurance documents to Indigo, as we insure all sub-contractors who use our services.
IR35 is tax legislation which applies to off-payroll workers who are paid through an intermediary. That intermediary could either be a limited company or a personal services company. IR35 is trying to combat tax avoidance by what the HMRC calls “disguised workers”. They are workers who would be deemed as employees if they were not being paid through an intermediary and can avoid paying national insurance payments by taking dividends from a limited company. There have been cases of people having to pay back thousands of pounds of back tax after a tribunal deemed that their earnings should have been covered by IR35.

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