General questions & contact info

How do I contact Churchill Knight & Associates Ltd?

How do I contact Churchill Knight Umbrella?

What is an umbrella company?

How do umbrella companies make a profit?

How does an umbrella company work?

Is it easy to change umbrella companies?

What administration will I need to carry out when I use an umbrella company for my payroll?

What are the disadvantages of using an umbrella company?

What is the difference between using an umbrella company and Agency PAYE?

When should I use an umbrella company?

Calculations, payslips and deductions

Can I opt out of pension contributions when using an umbrella company?

How do I access my payslip audit reports using Payslip Buddy?

How do pensions work with an umbrella company?

How is holiday pay calculated with an umbrella company?

How much money will I take home using an umbrella company?

How often will I be paid by an umbrella company?

What are umbrella company employment costs?

What does Pay As You Earn (PAYE) mean?

Which pension providers do umbrella companies use?

Why am I automatically enrolled in a pension scheme with an umbrella company?

Why am I paying both the Employee’s National Insurance and Employer’s National Insurance?

Why are umbrella companies quoting me different take-home pay calculations?

Why is my umbrella company take-home pay illustration different to my net take-home pay?

What is the Apprenticeship Levy, and why am I paying it?

Joining and leaving

Am I self-employed when using an umbrella company?

How do I leave an umbrella company?

How do I start a limited company instead of using an umbrella company?

I want to use an umbrella company, but my recruitment agency won’t let me – what should I do?

Is it easy to register with an umbrella company?

Margins, benefits and insurance

Do umbrella companies offer drivers negligence insurance?

How does holiday pay work through an umbrella company?

How often will I pay my umbrella?

How often will the umbrella company margin be deducted?

What are the benefits of using Churchill Knight Umbrella compared to other providers?

What insurance is included when using an umbrella company?

What is Employers Liability Insurance?

What is Professional Indemnity Insurance?

What is Public Liability Insurance?

What is salary sacrifice?

What is the umbrella company margin?

When I use an umbrella company, will I receive payments such as sick pay and holiday pay?

Will I pay an umbrella company margin if I am not working?

Accreditations, Compliance & legislation

Are umbrella companies compliant with HMRC legislation?

Can I claim expenses using an umbrella company?

Can I use an umbrella company even though I have a limited company?

Can I use an umbrella company when working inside IR35?

Can I use an umbrella company when working outside IR35?

Do I need to submit a self-assessment tax return if I use an umbrella company?

Do I need to keep receipts for the expenses that I am eligible to claim?

How do I submit expense claims when using an umbrella company?

Is Churchill Knight Umbrella a SafeRec Certified Umbrella Company?

Is Churchill Knight Umbrella accredited by the FCSA?

Should I use an offshore umbrella company to maximise my take-home pay?

What accreditations does Churchill Knight Umbrella have?

What are the benefits of using an FCSA accredited umbrella company?

What are the benefits of using a SafeRec Certified Umbrella Company?

What are the risks of using a non-compliant umbrella company?

What are the warning signs of a tax avoidance scheme?

What does the FCSA stand for?

What is an offshore intermediary?

What is the FCSA?

What is Payslip Buddy?

What is SafeRec?

What is Supervision, Direction and Control (SDC)?

What is the most tax-efficient way to operate as a self-employed worker?

What tax code will I be put on when I use an umbrella company?

Where do I get a P45 document, and why is my umbrella company requesting it?

Churchill Knight Umbrella

Does Churchill Knight Umbrella have good online reviews?

How do I submit a timesheet?

How long has Churchill Knight Umbrella been trading?

Why should I use Churchill Knight Umbrella?

A comprehensive list of the most commonly asked questions about umbrella companies

Umbrella companies are a popular payroll choice for contractors and freelancers in the UK. However, there is plenty of information to absorb about how they operate! In this section of our website, we have created a list of the most commonly asked questions about umbrella companies and listed them by category.

About us

Founded by experts with over 25 years of experience in the contractor payroll sector, Churchill Knight Umbrella is a leading UK-based umbrella company committed to compliance and excellent customer service. We are proud to be accredited by the FCSA, and we are also a SafeRec Certified Umbrella Company. Being SafeRec certified means all our employees can access a payslip audit report every time we pay them.

If you’re interested in a free take-home pay calculation, please click here. Alternatively, you can call our friendly team on 01707 871622 and request a free calculation over the phone.

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