Features

Contracting through our PAYE umbrella is the fastest route to contracting. The set-up is very quick, you have no accounting, tax, or IR35 concerns - you simply get yourself out of bed, into work, and get paid.

Real expertise

We have been dealing with contractors since 2005 and our office is full of skilled, hard-working payroll, tax, and accounting experts.

Quick pay

We run a payroll every day, meaning the day we get paid by your agency/client is also the day you get paid. Our Faster Payments service is standard so in most cases funds will clear into your personal bank account almost instantly.

Online

Our online system is open 24/7 for your timesheets, and expense claims. Avoid the paperwork, nothing could be easier.


Hide nothing

Our fixed fees are fully inclusive of contractor insurance, expense processing, and credit control. We have no minimum contract period, and there are no set-up or exit costs.

Instant txt

We'll send you a text message as soon as we have paid you.

Covered

You will be included in the No Worries Red Umbrella group insurance policy at no extra cost with: £10m of Employers Liability, £5 million of Public Liability, £5 million of Professional Indemnity

Friendly

We are here to help, and love making our contractors happy. Thats why we'll go the extra mile.

Speed

Get set-up with us the same day, get yourself working, and get paid faster with our 'no messing around' policy.

Calculate your take home pay

Use our calculator to work out your take home pay.

New to contracting?

The world of contracting can sometimes feel over-whelming. Our resources here help explain what contracting is all about, and if you still have some questions or feel a bit unsure send us a quick message, or get in touch.

Prices and Packages

We operate one simple package designed to fit your contracting life.

Classic Umbrella

Get set-up with your online portal where your recruitment agency/end client can finalise your assignment details, and for you to create your timesheets. We then convert your timesheet(s) to invoice(s) which gets sent across to your agency/end client awaiting payment. Once we receive the funds from them, we will then arrange a same day payroll payment to you.

We will also chase along your recruitment agency/end client for your assignment details and schedule of works so we can get you up and running as soon as possible with no stress to you. If there are any problems with non-payment for any work performed, we will pursue your agency/end client for you. If there is a discrepancy with the payment received against the timesheet you raised, we will also follow this up on your behalf, and will ensure that this is resolved swiftly so as not to delay any payments to you.

£20 per week (or £80 per month for those rare individuals who get paid monthly) This translates to a net out-of-pocket weekly cost to you of £11.95 per week as a basic rate taxpayer, or £10.19 per week net cost as a higher rate taxpayer.



No additional fees, no hidden costs.

Ready to get started

Getting started with us is simple. Just complete our online sign-up form, and we'll take things from there. And of course if you have a few questions, give us a call first.

Frequently asked questions

How do I get started?

The first step is to register on our website here. We will then need to collect some personal details (ID and proof of address), and your contract documents. Once signed and sent back to us you will be ready to go.

How Do Expenses Work?

From 06 April 2016, if you are a Contractor working under Supervision, Direction, or Control (SDC), any travel/subsistence (T&S) expenses you incur in getting to work each day can no longer be claimed. The SDC test is very broad, and we think most Umbrella contractors would fail it. You can find HMRC guidance on the situation here. If you are not working under SDC, then any travel/subsistence expenses you incur can be reclaimed on your personal tax return at the end of each tax year, provided the HMRC accept them. As a business, we operate on the principle all our Umbrella workers operate under SDC, and so no T&S can be claimed.

As a business, we operate on the principle all our Umbrella workers operate under SDC, and so no T&S can be claimed.

If you feel you have any legitimate Expenses, please keep copy of the receipts and claim these Expenses in your personal tax return each year. Provided the HMRC accept your expenses, you will get a PAYE tax refund based on their total value. Note you will not get any NIC relief of the value on any expenses.

Agency billable expenses are one example of expenses you CAN claim given the right circumstances. These are pre-agreed with and paid by the end client or agency so must be approved by them upfront before the expense occurs. In order to be paid tax and NIC free by us, the client billable expense must be an allowable expense in relation to your employment. For example if your agency requests you to attend meetings in London when you usually work in Manchester, and if they agree to reimburse you for the related expenses you incur, then the cost of any train travel, hotel accommodation etc will be reimbursed to you free of tax and NIC.

Do I need to get insurance?

No. As an employee of No Worries Red Umbrella you fall under our professional indemnity, employer's liability and public liability insurance policy - see above.

How about holiday pay. How does that work?

You are entitled to 5.6 weeks holiday pay each year calculated on a pro rata basis to the number of weeks actually worked.

Do I pay you if I stop working?

No. Your fee is only payable if you are working. No work, no fee.

Do you give me a payslip each week?

Yes.

Who pays my PAYE and NI taxes?

As an employee of No Worries Red Umbrella we take care of paying all your taxes. So you know the money you get paid into your personal bank account is all yours - there are no other provisions you need to make for keeping money aside to pay tax.

Why is Employer's NIC deducted from my payslip?

In permanent employment, the employer is liable for the Employer's National Insurance contribution (NIC). Through an Umbrella Company, it is no different and Employer's NIC payments still need to be made on the salary you are paid by your Umbrella firm. The rate you are offered to work through an Umbrella Company should be adjusted to allow for this. It therefore needs to be taken into consideration when negotiating your pay rate with the agency / end client. You may be offered two different rates, one to be paid directly through the company payroll and another, higher rate, to have your pay processed through an Umbrella Company. The lower rate will apply if you opt to be paid directly by the company because they will be liable for the Employer's NIC in addition to your salary. The higher rate is offered if you are being paid through an Umbrella Company because the income from your assignment must be used to fund the Umbrella's Employer's National Insurance contributions, as well as your salary.

Is there a minimum tie in period?

No, you can contract using No Worries Red Umbrella for as long or as short as you like. There are no entry fees, and no exit fees.

How do I sign up?

Signing up to our service couldn't be easier. Complete our online form here, and we will get things rolling.

What our contractors say

Most of our new contractors come from existing contractors who put in a good word for us. Here is what our clients are saying.