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Contractor Guides

Professional indemnity insurance: what’s a retroactive date

Whether you’ve just taken out a professional indemnity policy or you’re shopping for new business insurance, chances are you’ve come…
Katie Collins-Jones

by Katie Collins-Jones

Contractor Guides

Employers’ liability requirements and who’s exempt

Employer’s liability insurance isn’t just a box to tick – it’s a legal safeguard that protects businesses and their employees,…
Katie Collins-Jones

by Katie Collins-Jones

Contracting Life

Jury service for self-employed: getting cover for loss of earnings

Jury duty if you’re self-employed can be the last thing you need. If you’re a freelancer or contractor and a…
Katie Collins-Jones

by Katie Collins-Jones

Partner News

What JSL will mean for you: Five lessons from our expert panel

Earlier this month Kingsbridge brought together a panel of industry experts to discuss the implications of the government’s new JSL…
Kingsbridge

by Kingsbridge

Partner News

Employment Rights Act 2025 ‘brings world of work into 21st century’

Big changes to the world of work have been on the horizon for a while and the Royal Assent of…
Katie Collins-Jones

by Katie Collins-Jones

Trades

What insurance does a tradesman need?

Insurance sounds like a good idea, but how do you know what insurance you need as a tradesman? No two…
Katie Collins-Jones

by Katie Collins-Jones

Trades 20 May 2026

Tool theft stories: tradespeople going beyond locks to keep tools safe

As tool theft continues to dominate headlines and social feeds, many tradespeople are no longer relying on standard security –…
Katie Collins-Jones

by Katie Collins-Jones

Trades

What is contract works insurance?

However big or small your construction project is, contract works insurance could be a lifesaver if something happens. When you’re…
Katie Collins-Jones

by Katie Collins-Jones

    Latest articles

    coloured umbrella photo - experts discuss Joint and Several Liability legislation for umbrella companies and potential for HMRC to 'pick and choose' tax rules
    IR35

    New umbrella company legislation ‘may see HMRC pick which tax rule, like IR35, fits best’

    Kingsbridge learns that framing ‘umbrella company’ too narrowly could lead to loopholes, whereas too widely may trigger a ‘pick and…
    Image is Tradesman with tools. Read about tool theft insurance, including what it covers and policy considerations
    Trades Life

    Tool theft insurance guide: policy insights and tips

    Occupational hazards are a given and for tradespeople it can include (unfortunately) tool theft and damage. No matter your trade,…
    Rachel Reeves Spending Review 2025 in Parliament. Anthony Mellor comments on shift to fixed-term, no benefit working
    IR35

    ‘Fixed-term, no benefits’ jobs: The new employment boil Labour must lance

    Spending Review 2025 just talked tough on workforce casualisation. But beneath the surface bubbles false self-employment masquerading as employment –…
    Laptop view of HMRC Employment status UK research. Experts critique 2023 worker status research
    IR35

    What’s wrong with HMRC’s Employment Status research

    Five reasons why the Herculean effort required to read the Revenue’s Employment Status research probably isn’t worth it.   You’d think…
    Image: business research. HMRC study and research into UK employment status discussed by experts
    IR35

    ‘Unwieldy’ employment status research by HMRC ‘must compel ministers to act’

    Experts echo Kingsbridge’s assessment that confusing research about complex rules deserves clarity. Or at least a conversation.    Three things…
    Tribunal judgement, gavel - Richard Crabtree on substitution in Shanks HMRC IR35 case vs Deliveroo and Pimlico Plumbers case law
    IR35

    Why the ‘Deliveroo’ argument in the Shanks case was a non-starter

    Whereas the food delivery firm Deliveroo only had the ‘bad egg’ condition on its sub clause, the sheer number of…
    Exam invigilator image. Discussing Mrs J Shanks IR35 ruling on right of substitution
    IR35

    Shanks ruling reminds ‘outside IR35’ contractors of unfettered substitution’s value

    Unfettered. Freely exercisable. Without limiters. Anything less in a sub clause just won’t do (to keep personal service from biting). …
    Top tips for tradespeople on how to keep tools safe. Image: power tools on workbench
    Trades Life

    How to keep tools safe: 10 top tips for tradespeople

    Tool theft is on the rise and for tradespeople that can mean more than just a frustrating setback. Your tools…
    Photo of NHS workers. Ryan Dawson talks about fewer NHS contractors taking out IR35 insurance.
    IR35

    Why IR35 insurance isn’t the panacea for NHS contractors it once was

    Medical freelancers operating free of IR35 cover is one thing. Switching it off entirely in the era of ‘fully contracted…
    What does IR35 insurance cover - image: two people discussing business documents
    IR35

    Contractors: here’s what IR35 insurance actually covers

    While the kitchen sink isn’t included, IR35 insurance can be reassuringly comprehensive, even if it has the potential to confuse. …
    HMRC CEST tool update - experts discuss how it falls short
    IR35

    Kingsbridge stands by CEST update ‘being akin to a facelift’

    Just as CEST’s single new question gets deemed ‘inadequate’, a historically ‘outside IR35’ scenario comes back as ‘unable to determine.’…
    Freelance NH physician - Jo Livingstone faced large tax bill after unchallengeable inside IR35 status
    IR35

    Sole trader’s ‘inside IR35’ label sparks £21,000 SEISS tax bill

    How IR35 can turn covid income support into ‘huge’ tax debt, made worse by lack of process and HMRC’s failure…
    Healthcare workers in a hospital. Dr Iain Campbell discusses IR35 in the NHS and risks for contractors
    IR35

    HMRC must cancel our NHS’ bad actors – the antitheses of Messrs Mantides and Paulin

    New IR35 has facilitated exploitative arrangements on our health service that the taxman must tackle, including for the good of…
    Business guidance, HMRC CEST tool update April 2025
    IR35 02 May 2025

    New CEST doesn’t require ‘outside IR35’ results to be retested – HMRC

    Beyond cosmetic? Or nothing more than just a face-lift? Status advisers clash over the officially ‘more accessible’ Check Employment Status…
    HMRC - CEST update April 2025 summary
    IR35

    Why the new CEST update by HMRC doesn’t go far enough

    The taxman’s quietly-made revisions don’t fix the flaws of an IR35 status tool built almost a decade ago.   An update…
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