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