The IR35 reforms have led to much uncertainty for contractors, particularly those who have to ‘wait and see’ how their end hirers will respond. For many, it’s a case of needing to be prepared whilst keeping all options open. If this is your situation, we can help.

We’re offering a FREE Umbrella service to all our limited company contracting (PSC) clients. Here’s how it works:

  • Keep your PSC open with K&B Accountancy.
  • Switch to our Umbrella – at no extra cost.
  • Toggle between your PSC and Umbrella contracting as necessary.

This is a great solution if you think that Umbrella contracting may be a temporary solution for you, or if you wish to take on a mixture of inside/outside IR35 roles in future.


As well as being a cost-effective way to use PSC and Umbrella contracting options, the ability to toggle between PSC and Umbrella also means we can help you maximise your take-home pay.

Don’t close your PSC

We have previously advised why it’s important to keep your PSC open until your contracting future is certain. Keeping your PSC open means you don’t have the cost and potential tax implications involved in closing your company and then opening it again if and when your contract status changes.

Choose the option that’s right for you

The ability to toggle between PSC and Umbrella is particularly helpful if your end hirer has made, or is planning to make, a blanket decision to cease using PSC contractors.

In a few months you may find that your end hirer takes a different approach, making individual IR35 assessments and relaxing the blanket decisions, a situation we saw first-hand when similar rules were introduced in the public sector in 2017). If you are deemed outside IR35 after an individual assessment, you will want to be able to easily switch back to PSC contracting using our seamless solution.

With K&B looking after both your PSC and Umbrella arrangements, you can seamlessly switch between the two, without any unnecessary hassle or cost.

Get in touch and keep your options open

If you’re not sure, we’ll be happy to discuss your specific circumstances and provide tailored advice. Register for our PSC/Umbrella solution by getting in touch today.