IR35 Risk Indicator

Answer 10 quick questions to see your likely IR35 risk status.

Informational guidance only. This is not tax or legal advice.

IR35 Questions

Does the client control how, when, and where you work?

Can you send a substitute to do the work?

Do you use the client’s equipment or software?

Are you treated like an internal team member?

Do you carry your own financial risk for the work?

Do you have multiple clients at the same time?

Are you prevented from working for other clients?

Do you need approval for time off?

Are you paid a fixed salary-like amount each period?

Is there a notice period similar to employees?

IR35 risk indicator guide for UK contractors

WeCovr's IR35 risk indicator helps UK contractors assess working practices, using indicative information prepared by WeCovr, an FCA-authorised insurance broking firm with over 900,000 policies issued across multiple classes of insurance. across protection products. WeCovr also supports private medical insurance UK choices, while this guide explains IR35 basics.

What this IR35 risk indicator estimates

The quiz scores common IR35 indicators such as control, substitution, and financial risk.

It provides a directional view only and does not replace professional advice.

Highlights likely inside/outside factors.
Explains key risk signals.
Supports compliance awareness.

Why working practices matter

IR35 decisions depend on real-world working arrangements, not just contract wording.

Why WeCovr supports contractor planning

WeCovr is an FCA-authorised insurance broking firm and has high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance. If you are comparing private medical insurance UK options, we can help you access private health cover through a trusted PMI broker.

Data sources and guidance references

This guide references HMRC guidance on IR35 and employment status.

IR35 risk signals

Indicator	Higher risk	Lower risk	Notes
Control	Client controls work	You control work	Key factor
Substitution	No substitute	Genuine substitute	Strong signal
Mutuality	Ongoing obligation	Project-based work	Context matters

Related WeCovr resources

FAQs

Is this an official IR35 determination?

No. It is a guide only and should not replace HMRC or professional advice.

Does contract wording decide IR35?

No. Actual working practices are critical.

Should I use HMRC CEST?

Many contractors use it, but professional advice can provide a fuller picture.

Why does IR35 matter?

It affects tax treatment and how income is handled.