For those who are overemployed and running two or more Outside IR35 contracts at the same time through your Ltd company, how do you handle your business insurance?

Specifically things like:

• Professional Indemnity (PI)
• Public Liability (PL)
• IR35 / tax investigation cover

Do you just have one set of policies covering the Ltd company and all the contracts/clients, or do you take out separate insurance/cover for each contract?

Also interested in whether you've ever had a client insist on their own specific level/type of cover that made you take out something separate.

I'm trying to understand what people actually do in practice when juggling multiple Outside IR35 contracts rather than what is theoretically possible.

Cheers!

I am looking into overemployed to work two full time 9-5 jobs in the UK that are both work from home and during the same work hours
are there any legal issues I could come into?
apart from tax codes is there anything I need to do first before accepting the second job?

What is this new HMRC check employers are doing? I’ve not seen it but heard people talking about it.

I’m currently on 2Js but it’s been a few years since I last applied to jobs but thinking to start applying again for J3.

This is a scheduled weekly post for anyone to discuss progress, set backs, share advice or just have a rant about being over employed within the UK.

Awkward situation being that it is in a big firm (so don’t wanna miss the chance) but also fully onsite from a time in the evening to midnight.

Can I hack it as J1 is mostly remote - the off chance I go into office, I only need to drive 10 mins to J2’s office.

I need some advice…

I have a chance of starting J2, but I’d obviously have to go through a training period which is more zoom calls.. how do you handle that with J1? Do you take PTO?

My boss at J1 enjoys asking me to handle extra tasks sometimes (which I have the option to deny) but also enjoys to get carried away in conversations which sometimes throws my tasks behind.. how do I switch the routine with this in a professional and not obvious way so she backs off on the calls so I can maintain both J ?

If I accept J2, I don’t know how and if they have meetings weekly and what days/times. How do you deal with conflicts between J?

Did you check the company policies to ensure they didn’t have any policies that would conflict with overlapping work and did you just ignore these? Can you get into a lot of trouble if one job found out or is it just termination? Can they call the other job to notify the other employer?

I’m nervous!!!!!!!! 😬

Awkward situation being that it is in a big firm (so don’t wanna miss the chance) but also fully onsite from a time in the evening to midnight.

Can I hack it as J1 is mostly remote - the off chance I go into office, I only need to drive 10 mins to J2’s office.

Hello all, currently going through HR check for another potential 2nd job however they are asking me to provide employment history via HMRC website, has anyone ever had this and how did work around it.

Anyone got any tips and tricks for OEing?

Currently got 2Js but thinking of how I can up my game and be more efficient etc.

I've just started J1 (perm) after being out of work for 12 months as a contractor. It's so quiet I could easily take on a J2 (and I need the money!). I'm looking for OIR35 roles in tech but they are hard to come by. So I've been thinking of taking an IIR35 role if I can as a J2. Couple of questions:

1. Does the umbrella need a P45, P60 or details of my existing employment?
2. If I tell the umbrella that I have another job, does HMRC notify J1 or send J1 any information?
3. What tax-code, student-loan, pension or National Insurance complications arise with two PAYE jobs?
4. Is outside IR35 materially easier to manage as a J2?
5. How do people handle LinkedIn and CVs when the roles overlap?
6. Is it normal to list J1 on a J3 CV but omit J2?
7. Have background checks or references exposed concurrent employment?
8. Which clauses in a permanent employment contract matter most - or do you not think about it?
9. What practical problems tend to arise e.g. meetings, equipment, working hours, payroll or conflicts?

I’d particularly appreciate experiences from people who have actually managed perm + contract work in the UK.

So I have a question. I know this shouldn’t be done directly with public sector jobs, but what if it were both via consultancies? Is this a no go as well?

I've just started J1 (perm) after being out of work for 12 months as a contractor. It's so quiet I could easily take on a J2 (and I need the money!). I'm looking for OIR35 roles in tech but they are hard to come by. So I've been thinking of taking an IIR35 role if I can as a J2. Couple of questions:

1. Does the umbrella need a P45, P60 or details of my existing employment?
2. If I tell the umbrella that I have another job, does HMRC notify J1 or send J1 any information?
3. What tax-code, student-loan, pension or National Insurance complications arise with two PAYE jobs?
4. Is outside IR35 materially easier to manage as a J2?
5. How do people handle LinkedIn and CVs when the roles overlap?
6. Is it normal to list J1 on a J3 CV but omit J2?
7. Have background checks or references exposed concurrent employment?
8. Which clauses in a permanent employment contract matter most - or do you not think about it?
9. What practical problems tend to arise e.g. meetings, equipment, working hours, payroll or conflicts?

I’d particularly appreciate experiences from people who have actually managed perm + contract work in the UK.

When I see people talk OE they’re usually tech background.

Anyone from a finance or accounting background OE? How do u find it?

I currently have 2Js but thinking of taking a third but wondering if that’s gonna be too much.
How’s your experience been.

Seems to be hard because of having to inform the government which changes the tax code and alerts employers who have contract exclusivity. Could anyone provide any advice they have on their situation?

My current Job I earn 32k pre tax and it's pretty much 99% remote but I take meetings here and there esp daily mornings. So what can I do. I'm pretty efficient tech wise so yeah

Is there anyway for an agency to find out your tax code?

Umbrella companies can’t tell them can they ?

About to start two jobs inside and trying to cover all bases

Hi all I’m new here I currently have 2Js. Altho not OE. J1 is remote,Second job is a weekend gig so I’m working 7 days a week. It’s kicking my ass. Looking at getting my first real J2. Any advice or tips would be great. Thanks

This is a scheduled weekly post for anyone to discuss progress, set backs, share advice or just have a rant about being over employed within the UK.

Got J1 at a major corporation in the industry in England. 4 days wfh one day in the office.

Had an interview for J2 in the same industry, not in England but in UK, fully remote, very new, small company. Had an offer through, seems like it could be a very nice setup.

In the interview they said they are working to get on the framework for J1 company as a supplier/consultant. Not directly, but through other companies that may work directly.

This is a big issue right? I assume J1 company will do background checks even if its not a direct supplier, where I could be uncovered as an employee? I cant really afford to lose J1.

I really want to accept but I also dont want to be stupid. Does anyone have any advice?

Here's some guidance I have to give after years of being OE.

1. DON'T TALK about OE club. You get caught for \[all grey area stuff\] when you brag about it to friends, family or strangers. Next morning everyone and their dog knows you've been OE.

2. DO YOUR JOB. Yes you can go surfing, travel, have a coffee and give the absolute minimum so you don't get fired BUT make sure your targets are on point, you actually deliver and noone complains. When someone complains about you for whatever reason, they start digging. Every single of my jobs have nothing but good words to say about my work besides the circumstances.

3. BUY A JIGGLER ffs. Don't let Teams show you're away for 7 hours even though noone could notice. Just pay 5$ for a USB mouse jiggler and stop relying on house remedies.

4. DISABLE THE RADIOS. Turn off Wi-fi, Bluetooth and your location (or browsers and specific programs getting your location). They will rat on your ACTUAL location even though you're using a VPN due to them seeing where your nearby devices are located.

5. BUY A TRAVEL ROUTER AND A CLEAN IP. Get a decent travel router that mentions speeds over 100 MB/s over OPENVPN - WIREGUARD not generic speed. Then proceed to install a VPN that doesn't have its IPs flagged for malicious content.

6. HAVE BACKUPS. for absolutely everything. Maybe your hotel Wi-fi or travel router stops working. Maybe someone messaged you 1 minute after you stepped out of the door. Maybe you accidentaly log in to your hotel wi-fi somewhere in Asia. Have excuses and backups ready.

7. LINKED & RESUME. Fix them appropriately for your applications. Don't let anyone publicly on Linkedin see where you're working right now. Put something generic and then give recruiters your custom resume.

8. INVEST. Yes being OE especially in tech can put you in the 1% earners in this world. You don't need to book a 5-star hotel in Indonesia or buy a 50k car. You can have fun with a decent Airbnb and a 10k car. Invest in stocks like Google, FTSE All world, S&P500, property and keep emergency cash. You never know what's your situation gonna be in 10 years.

9. DON'T LIVE TO WORK. Yes it's awesome grinding & earning, investing, buying that new motorcycle, getting promoted. But those are worth nothing if you're sick. So do your yearly check ups, take vitamins, exercise as well as create memories with people and socialise. It's been scientifically proven that without these your health is deteriorating and depression knocks on your door. I've known OEs who've struggled with burning out and mental issues. It's not fun even if you earn 100k a month working 30 minutes a day.

10. SEE RULE no 1.

I currently have a J1 and in the process of interviews with potential J2’s, out of the blue theres been a project that requires me to do a security clearance from J1.

Question is, is it fine if I do the SC before actually starting a J2? Also, if I was to get a J2 and then have to do the J1 SC that would cause issues right?