Larsen HowieInsurance Company in Leicester, Leicestershire

Business Details
Whilst we were only established as a company in 2015, we have been working in the insurance industry, specifically the contractor, freelancer and consultant marketplace since the early 2000’s. The chances are you have probably dealt with some of our people previously for insurances or contract reviews, as we’re a group of familiar faces with over two decades’ experience from some of the biggest names in the marketplace. 

As a company, we have grown enormously in a short period of time, with our success based on a combination of cutting edge technology, tailored products and services, and an unparalleled level of personal customer service. We offer our customers exactly what they need to protect their business and ensure they get peace of mind and at competitive prices, all of which is possible through utilising our decades of experience and unique understanding of the contractor marketplace. 

We recognise that being in business on your own as a contractor, freelancer or consultant can sometimes be lonely, you’re more vulnerable and unsure who to turn to for advice and guidance and hesitant in who to trust. At Larsen Howie, we guide you through the insurance and IR35 landscape, ensuring that your business is covered against the many perils faced on a day to day basis via us passing on our decades of experience in the industry to you. Once you get to know us we know you’ll grow to trust us and feel fully protected.
Areas Served
United Kingdom
Business Details
  • Website: larsenhowie.co.uk
  • Servicing commercial clients only
  • Licensed and insured
  • Year established: 2015
  • Number of employees: 8
Highlights, Specialties & Features
  • Professional Indemnity Insurance
  • Public (& Employers Liability) Insurance
  • IR35 Insurances
  • Contractor Legal Protection Insurance
  • Contractor Jury Service & ID Theft Insurance
  • IR35 Contract Reviews
  • IR35 Working Practices Review
  • IR35 Services
Professional Associations, Trade Bodies & Certifications
  • British Insurance Brokers Association
Quick Links
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Contact Details
Address
Office 2, Burrough Court, Burrough-on-the-Hill
Leicester, Leicestershire
LE14 2QS
map & driving directions
Phone Number
01163800400
Products & Services
Professional Indemnity Insurance

Our Professional Indemnity (PI) product is one of the best, if not the best on the market for the trades we cover and the price we charge.  Our fully comprehensive policy offers the following cover as standard for all trades:

  • Civil liability - damages
  • Civil liability - defence costs
  • Civil liability - claimant costs and expenses
  • Awards by Ombudsmen
  • Loss of or damage to documents
  • Data Protection prosecution defence costs
  • Compensation for court attendance
  • Indemnity to specialists and sub-contractors
  • Indemnity to principles
  • Retroactive cover (except IT & Technology trades - can be upgraded at the point of purchase to include this)

Premiums start at just £144.00 (inclusive of Insurance Premium Tax), the policy is underwritten by one of the largest insurers in the world, with claims handled by one of the UK's top legal firms, meaning that our PI offering is as good as they come. 

Webpagelarsenhowie.co.uk/professional-indemnity
Price144
Public (& Employers) Liability Insurance

Our Public (& Employers) Liability product is one of the most comprehensive and competitively priced product for the trades we cover in the market.  Our fully comprehensive Public Liability Insurance offers the following cover as standard for all trades:

  • Public/products liability - damages
  • Public/products liability - defence costs
  • Public/products liability - claimant costs and expenses
  • Public/products liability - Data Protection Act 1998 (Section 13) damages
  • Public/products liability - Data Protection Act 1998 (Section 13) defence costs
  • Public/products liability - Data Protection Act 1998 (Section 13) claimant costs and expenses
  • Pollution liability - damages
  • Pollution liability - defence costs
  • Pollution liability - claimant costs and expenses
  • Plus, many more additional extensions of cover

Furthermore, the following cover is provided as standard for the Employers Liability extension for all trades:

  • Employers liability - damages
  • Employers liability - defence costs
  • Employers liability - claimant costs and expenses
  • Employers liability - unsatisfied court judgments

Premiums start at just £44.00 (inclusive of Insurance Premium Tax) for Public Liability, and £84.00 (inclusive of Insurance Premium Tax) for Public (& Employers) Liability.  The policy is underwritten by one of the largest insurers in the world, with claims handled by one of the UK's top legal firms, meaning that our Public (& Employers) Liability offering is as good as they come. 

Webpagelarsenhowie.co.uk/public-liability-employers-liability
Price44
Contractor Jury Service & ID Theft Insurance

Our Jury Service & ID Theft Insurance provides a contractor with protection against two of the most common risks faced on a day to day basis and which are often totally out of their control.

Jury Service

Jury Service cover provides a contractor with, depending on their day rate, up to £650 per day and £6,500 total cover for when they are called to Jury Service and unable to earn all or part of their day rate as a result.

With the random selection process that decides who gets selected for Jury Service, much like many HMRC investigations, there is no way to manage down the risk of being chosen, leaving every contractor at risk of being unable to earn, or at best being able to reclaim only a small percentage of their full day rate.  Jury service tends to last a minimum of two weeks, but some cases can last for months, some even longer.  Being randomly selected you have no control of when or where this will be, and for how long.

Cover includes:

    Bullet Point  Up to a maximum of £650 per day    Bullet Point  £6,500 per claim    Bullet Point  £25,000 per policy period

 
Identity Theft

Identity theft cover provides legal expertise to recover your personal identity following the misappropriation of it without your knowledge or consent where your identity is used to obtain goods, services or to commit criminal activities.

In an ever-growing online world, many aspects of our identity are available more readily than most people realise, and with criminals now targeting this more than ever it is a costly and time consuming exercise to recover when stolen.  The removal of civil judgements, rectifying the accuracy of records and defending legal claims all arise as a result of a criminal using a stolen identity to purchase items, leaving the innocent victim to pick up the pieces and attempt to clarify the situation.

With an online support system to provide guidance and advice in the event of a claim you can be rest assured that we will assist you through the claims process and help you to restore your identity.

Cover includes:

    Bullet Point  Defence against a claim from financial institution, merchants or their collection agencies.     Bullet Point  The removal of any wrongly entered criminal or civil judgments    Bullet Point  Challenging the accuracy or completeness of any information in a Credit Reference Agency report    Bullet Point  Documentation creation to prove the insured person's innocence    Bullet Point  Postal and phone costs in reporting, discussing and dealing with an actual identity theft    Bullet Point  Fees charged for reapplying for a loan due to incorrect credit information being initially provided    Bullet Point  Lost earnings as a result of time away from work to see the Police, financial institutions or Credit Reference agencies    Bullet Point  £5,000 per claim    Bullet Point  £25,000 per policy period


Costing just £20.00 (inclusive of Insurance Premium Tax), underwritten by one of the leading insurers in the UK, and with claims handled by one of the UK's leading experts, our Contractor Jury Service & ID Theft Insurance policy is as good as they come. 

Webpagelarsenhowie.co.uk/contractor-jury-service-id-theft
Price20
Contractor Legal Protection

Our Contractor Legal Protection Insurance has been specially designed for contactor, freelancers and consultants to provide them with professional representation for both the defence and pursuit of commercial and personal claims, including appeals. The policy reacts by covering the legal costs involved in a case, which can include solicitors and barristers’ fees, court costs, experts’ fees and attendance expenses.  

Every business owner needs to ensure that they are protected against the risk of having to defend or pursue a legal dispute with a third party.  With ever increasing legal fees for defending or pursuing a case through the UK courts, our Contractor Legal Protection affords you peace of mind that expensive solicitor fees are covered for a range of common disputes that a contractor faces, allowing you to focus on your day to day core activities of being a contractor rather than be weighed down by the timely complexities and stress associated with a legal dispute.

It is uncommon for end clients and agencies to insist that a contractor hold legal protection insurance before they are allowed to commence a contract, but many contractors decide this is too bigger risk for their business to take, and ensure they have cover in place prior to commencing.

Commercial covers include:

   Bullet Point  Contract disputes    Bullet Point  Property protection    Bullet Point  Licence protection    Bullet Point  Personal injury    Bullet Point  Debt recovery    Bullet Point Consumer disputes

 
Personal covers include:

    Bullet Point  Home rights    Bullet Point  Criminal prosecution defence    Bullet Point  Complimentary telephone legal advice line


Costing just £30.00 (inclusive of Insurance Premium Tax), underwritten by one of the leading insurers in the UK, and with claims handled by one of the UK's leading experts, our Contractor Legal Protection Insurance policy is as good as they come. 

Webpagelarsenhowie.co.uk/contractor-legal-protection
Price30
IR35 Contract Review - Assessment

The importance of having your contracts reviewed from an IR35 perspective cannot be underestimated. When HMRC decide to open an enquiry in to the IR35 status of a contractor, the contract(s) in question will be requested and reviewed, along with liaising with the end client(s) to ensure that the working practices mirror the written terms. Being able to evidence your status and provide this to HMRC with the necessary documentation, evidencing that you have taken proactive action to ensure you are outside of IR35 will greatly aid the defence of the case, which itself can a very stressful time.  Once the contract has been reviewed an opinion is provided as to if it is a pass or fail.  If the review provides a fail opinion, we will liaise with you to advise on the recommended amendments and additions to clauses within the contract and then re-asses it once implemented.

During a HMRC IR35 status enquiry, HMRC will check to ensure that you are in business on your own account and that you are not a disguised employee.  They will review your contract and liaise with the end client(s) to ensure that the working practices mirror what actually takes place and what would be allowed to take place, as well as requesting sight of various other pieces of supporting information.  Once this has been provided, HMRC will review it all and form an opinion as to if you are deemed to be a disguised employee or not i.e. inside or outside of IR35.

All contractors in business today need to be proactive and show that they have taken reasonable steps to understand IR35 and ascertain their status accordingly.  By taking out a contract review this demonstrates to HMRC exactly that, and is a key indicator in proving your IR35 status.

By using the vastly experienced in-house expertise of Larsen Howie you can ensure you put yourself in the best position to avoid being caught on the wrong side of IR35 by having your contract reviewed and specialist advice provided as to your working practices, all of which forms part of our ‘IR35 Contract Review – Assessment’ service, which is competitively priced at £44.00.

Webpagelarsenhowie.co.uk/ir35-contract-review-assessment
Price44
IR35 Contract Review - Full

The importance of having your contracts reviewed from an IR35 perspective cannot be underestimated. When HMRC decide to open an enquiry in to the IR35 status of a contractor, the contract(s) in question will be requested and reviewed, along with liaising with the end client(s) to ensure that the working practices mirror the written terms.  Being able to evidence your status and provide this to HMRC with the necessary documentation, evidencing that you have taken proactive action to ensure you are outside of IR35 will greatly aid the defence of the case, which itself can a very stressful time. Once the contract has been reviewed an opinion is provided as to if it is a pass or fail.  If the review provides a fail opinion, we will liaise with you to advise on the recommended amendments and additions to clauses within the contract and then re-asses it once implemented.

During a HMRC IR35 status enquiry, HMRC will check to ensure that you are in business on your own account and that you are not a disguised employee.  They will review your contract and liaise with the end client(s) to ensure that the working practices mirror what actually takes place and what would be allowed to take place, as well as requesting sight of various other pieces of supporting information.  Once this has been provided, HMRC will review it all and form an opinion as to if you are deemed to be a disguised employee or not i.e. inside or outside of IR35.

All contractors in business today need to be proactive and show that they have taken reasonable steps to understand IR35 and ascertain their status accordingly.  By taking out a contract review this demonstrates to HMRC exactly that, and is a key indicator in proving your IR35 status.

By using the vastly experienced in-house expertise of Larsen Howie you can ensure you put yourself in the best position to avoid being caught on the wrong side of IR35 by having your contract reviewed and specialist advice provided as to your working practices, all of which forms part of our ‘IR35 Contract Review – Full’ service, which is competitively priced at £99.00.

Webpagelarsenhowie.co.uk/ir35-contract-review-full
Price99
IR35 Working Practices Review
Overview

A contract should mirror the actual working practices you and your business undertake when engaging with the end client.  However, the ‘true’ contract is not the written one but the one that the review of the working practices reveals.  This holds vast credence with HMRC during an IR35 status enquiry, as HMRC view the working practices as your actual working relationship with the end client.  During an IR35 status enquiry HRMC will contact your end client(s) and ask them about what did transpire and what could transpire if a situation arose around the terms of the contract, therefore ensuring that your working practices match the terms of your contract is essential in establishing your IR35 status – there is no fooling HMRC.  

HMRC will attempt to establish if the relationship between you and the end client is disguised employment or not, so it is crucial that you are in business in your own right and can demonstrate that you provide your services to them with the autonomy any normal business would.  However, the written contract between you and the end client might be perfect from an IR35 perspective, being exemplary in demonstrating key clauses such as substitution, mutuality of obligation, non-exclusivity and control, but unless it can be proved what would happen in reality it is worth very little in defence of your case.  This is where the working practices review comes in, and can be back up by the Confirmation of arrangements document.

Give me an example

An example of working practices is best highlighted with the right to provide a substitute.  It is highly unlikely you have every had to provide a substitute, even though you contractually have the right to do so.  How would the end client actually react and would they allow it?  An end client should only refuse your right to provide a substitute on reasonable grounds, this being things such the substitute not having the required qualifications, experience or security clearances etc.  Therefore, whilst a contract with fantastic substitution clauses may appear perfect, it is insufficient on its own as HMRC will want to review and establish if you can actually provide one in practice. In the infamous Dragonfly v HMRC case which HMRC won, the defendant (the contractor) was found to have well drafted IR35 clauses in their contract, but when it came to the crunch they did not mirror the true reality of the working practices, which led to a £99,000 liability judgement against them.

What's the next steps?

To ensure maximum protection and to belt and braces your position you should get the end client to provide written confirmation of your working practices, which can be done by completing the Confirmation of arrangements document.  

All contractors in business today need to be proactive and show that they have taken reasonable steps to understand IR35 and ascertain their status accordingly.  By using our vastly experienced in-house expertise you can ensure you put yourself in the best position to avoid being caught on the wrong side of IR35 by having your working practices reviewed, which can be either on their own for £44.00, or provided as part of our IR35 Contract Review – Full service, which is competitively priced at £99.00 and includes the Confirmation of arrangements document.

Webpagelarsenhowie.co.uk/ir35-working-practices-review
Price44
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01163800400
Hours of Operation
Monday09:00 AM÷05:00 PM
Tuesday09:00 AM÷05:00 PM
Wednesday09:00 AM÷05:00 PM
Thursday09:00 AM÷05:00 PM
Friday09:00 AM÷05:00 PM
SaturdayClosed
SundayClosed
Business Representative
Pete Willcocks
Managing Director
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