ConsultZenith x Broadbench Financial Services

ConsultZenith|in partnership withbroadbench

Home/Contractors

Contractors

Whether you're inside or outside IR35, your day rate is your livelihood. If you can't work, you don't get paid — it's that simple. The way you're paid may differ, but the need to protect your income doesn't.

We understand the unique challenges contractors face. Whether you operate through a limited company or work inside IR35 via an umbrella, we tailor solutions to your specific payment structure.

Inside IR35 — Payroll / Umbrella

Paid via an umbrella company or agency PAYE? All products listed here will be structured on a personal basis.

Income Protection

Replace your day rate if you're unable to work due to illness or injury. Structured on a personal basis and paid from your net income.

Critical Illness Cover

A tax-free lump sum if you're diagnosed with a specified serious illness. Provides financial breathing room when you need it most.

Life Insurance

Protect your family and dependants with personal life insurance, structured to provide the right level of cover for your circumstances.

Private Healthcare

Personal private medical insurance providing fast access to consultants, diagnostics, and treatment when you need it most.

Outside IR35 — Limited Company

Operating through your own limited company? These policies can be paid through the business in a tax-efficient way.

Executive Income Protection

Tax-efficient income protection structured through your limited company. Premiums are a corporation tax deductible business expense.

Relevant Life Plans

Tax-efficient life cover paid by your company. Corporation tax deductible and not treated as a benefit in kind — significantly cheaper than personal cover.

Private Healthcare (Business)

Business-funded private medical insurance. Premiums are a corporation tax deductible expense, providing fast access to treatment.

Critical Illness Cover

Can be structured through the business for tax efficiency. A lump sum on diagnosis of a serious illness, giving you financial breathing room.

Regardless of IR35 Status

These services apply regardless of your IR35 status.

Professional Indemnity

Essential cover for contractors providing professional services. Protect yourself against claims of negligence or inadequate work.

Mortgage Advice

Specialist contractor mortgage advice. We work with lenders who understand day rates and contract-based income, not just PAYE payslips.

Recruitment Companies

All professions

Medical Professionals

Ready to protect what matters?

Whether you need income protection, business cover, or mortgage advice — get in touch with your ConsultZenith contact to discuss how we can help.

[email protected]

Or contact your ConsultZenith representative directly