Answer these questions to assess your IR35 risk. For guidance only — not legal advice.
1. Can you send a substitute to do the work in your place?
2. Does the client control where, when and how you work?
3. Are you obliged to accept work when offered (Mutuality of Obligation)?
4. Does the client provide your equipment?
5. Do you bear financial risk if the project overruns or goes wrong?
6. Are you integrated into the client's organisation (team meetings, internal comms)?
7. Do you work exclusively for one client?
8. Is the engagement ongoing with no defined end date?
9. Are you paid by the hour/day rather than by deliverable?
10. Does the client provide holiday pay, sick pay or pension contributions?
11. Can the client terminate the engagement with short notice (under 1 month)?
12. Is the contract specifically for your personal service (not a company)?
13. Do you currently work for multiple clients simultaneously?
14. Do you hold your own professional indemnity insurance?
15. Do you use your own business premises or home office?
