Business Insurance
Tax Liability Insurance When Using Saferec-Verified Umbrellas
New Reforms, New Risks - Are You Protected Against HMRC Investigations?
With umbrella reforms and Saferec verification reshaping the recruitment supply chain, agencies are under growing pressure to ensure every link in their chain is fully compliant. Even with the best intentions and verified suppliers, HMRC can still investigate - and if they do, the liability might fall on you.
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
Even with Saferec verification, investigations can happen
Financial Protection
Insurance covers legal fees, penalties, and unpaid taxes
Protect your business from unexpected HMRC investigations and their financial consequences
What Is Tax Liability Insurance?
New Reforms, New Risks - Are You Protected Against HMRC Investigations?
With umbrella reforms and Saferec verification reshaping the recruitment supply chain, agencies are under growing pressure to ensure every link in their chain is fully compliant. Even with the best intentions and verified suppliers, HMRC can still investigate - and if they do, the liability might fall on you. That's why smart recruiters are turning to Tax Liability Insurance - to protect against the unexpected fallout of tax compliance failures even when using Saferec-verified umbrella companies.
- Umbrella companies may fail despite initial vetting
- Legislation puts the onus on recruiters to prove due diligence
- Your agency could face unpaid tax bills, penalties, and interest
- Tax Liability Insurance ensures you're not left footing the bill
What This Policy Covers
Key Details
From £88.48/month
Comprehensive protection for recruiters working with Saferec-verified umbrella companies
Flexible Cover Limitsupto £5m Online
HMRC PAYE Control Visits
HMRC PAYE Disputes
Saferec Enquiries
Taxes & Interest
Penalties
Saferec-verified protection
Comprehensive Protection
What's Covered?
This policy is designed specifically for recruiters working with Saferec-verified 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
- Saferec Enquiries
- Taxes & Interest due to Saferec failure
- 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 workers audited through SafeRec, including any challenges to SafeRec reports
Specialist defence support
Unpaid Tax & Interest
Covers PAYE and NIC liabilities - plus any interest - where HMRC confirms a liability after an enquiry for a SafeRec 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 SafeRec 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 verified 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.