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 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.


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.


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, £2 million of Professional Indemnity


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


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

Prices and Packages

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

Classic Umbrella

We set up your online portal for you where your agency can finalise your assignment details, and for you to create your time sheets. We send convert your timesheets to Invoice and send across to your agency awaiting payment. Once your agency have processed your timesheets and we receive the funds from them, we will then arrange a same day payroll payment to you.

We will also chase and follow up with your agency 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 funds that have not been received, we will pursue your agency for you. If there is a discrepancy with the payment received against the time sheet and hours you have raised, we will also follow this up with your agency. We will ensure that this is resolved swiftly so as not to delay any payments to you and to save you time.

£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.

For any legimate Expenses you incur, 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.

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?


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’s 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 if I refer a friend/colleague?

Referrals by existing clients are our biggest source of new business. For each person you refer to our service we'll send you a £50 Amazon gift voucher as a way of saying thanks! (payable once the new referral has worked 4 weeks through our Umbrella service)

What our clients say

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