Contractor Umbrella

Maximum flexibility with minimum fuss, this is contracting at its easiest, all wrapped up in an award winning service.

Maximum flexibility with minimum fuss, this is contracting at its easiest. Our Contractor Umbrella service has been built around what you need, so you get paid as fast as possible.

Contracting through our award winning PAYE umbrella company is the fastest route to contracting. The set-up is very quick, you have no accounting, tax, or IR35 concerns – you simply complete the work, create a timesheet, and get paid.

We run 100% in the cloud. You can join No Worries Umbrella in less than 10mins, and once we have your agency details confirmed you will be able to start creating timesheets right away.

No Worries Umbrella is a UK registered entity, and all our Umbrella company workers are paid using our UK based payroll. Being accredited by the FCSA means we operate compliantly to the highest industry standards, giving an extra level of comfort and security to both our Umbrella workers and the agencies we work with.

Still have questions about how contracting using an umbrella company? We are always happy to talk!

Key Features at a Glance

Award Winning

Voted best specialist PAYE Umbrella company service for 2020 by Acquisition International.


You will be included in the No Worries Red Umbrella group insurance policy at no extra cost with: £10m of Employers Liability, £5 million of Public Liability, £5 million of Professional Indemnity.

Innovative Online Portal

Our secure online portal is open 24/7 for your timesheets, and expense claims. Nothing could be easier.

Same Day Payments

We run a payroll every day, meaning the day we get paid by your agency/client is also the day you get paid. Our Faster Payments service is standard so in most cases funds will clear into your personal bank account almost instantly.

Instant txt

We’ll send you a text message as soon as we have paid you.


Get set-up with us the same day, get yourself working, and get paid faster with our ‘no messing around’ policy.

Real Expertise

We have been providing Umbrella contractor services since 2005. Our office is full of skilled, hard-working payroll, tax, and accounting experts.


Hide Nothing

Our fixed fees are fully inclusive of contractor insurance, expense processing, and credit control. We have no minimum contract period, and there are no set-up or exit costs.



We are here to help, and love making our contractors happy. That’s why we’ll go the extra mile.

Umbrella Company Margin

We operate one simple package designed to fit your contracting life. The processing cost to use our Umbrella company is called our margin, and this is deducted from your Timesheet income.

Weekly paid employees: 20 per payslip
Monthly paid employees: 80 per payslip

Get set-up with your online portal where your recruitment agency/end client can finalise your assignment details, and for you to create your timesheets. We then convert your timesheet(s) to invoice(s) which gets sent across to your agency awaiting payment. Once we receive the funds from them, we will then arrange a same day payroll payment to you.

We will also chase along your agency/end client for your assignment details and schedule of works so we can get you up and running as soon as possible with no stress to you. If there are any problems with non-payment for any work performed, we will pursue your agency/end client for you. If there is a discrepancy with the payment received against the timesheet you raised, we will also follow this up on your behalf, and will ensure that this is resolved swiftly so as not to delay any payments to you.

Also Included

1. Flexible Pension scheme

All new employees are automatically added to our company pension scheme, which is run by Smart Pension.  Once you are added you will be contacted by Smart Pension with details of how to access your online pension account. We offer a completely flexible Pension product, where you can control the percentage contribution that you make to your pension (subject to the statutory minimums), which provides a great opportunity to reduce your overall tax bill using a salary sacrifice arrangement.

You can change you Pension contribution percentages whenever you like (even weekly) but the big saving comes with a salary sacrifice arrangement which is available to everyone. And of course if you are not interested in contributing to your pension, you simply need to opt out.

See all the details of our pension scheme here.

2. Cycle to work savings

We have partnered with Green Commute Initiative to get our contractor Umbrella workers out of cars and onto a bike with the dual purpose of improving both the individual’s health and wellbeing, as well as reducing the environmental impact of pollution and congestion from cars. You can choose from e-bikes, road or off-road bikes, folders or cargo bikes.  If it’s a bicycle under the Road Traffic Act, it qualifies! Overall this provides a saving of between 30-45% off the retail cost of the bike, and is achieved by arranging its purchase through us via a salary sacrifice arrangement.

See all the details of our Cycle to Work scheme here.

3. FCSA Member

We are independently audited by top industry experts to demonstrate the highest standard of compliance. This stringent test of our business operations is a clear commercial differentiator from any other non compliant umbrella companies.

The FSCA is the UK’s leading membership body dedicated to raising standards and promoting supply chain compliance for the temporary labour market.

Select your company year end. This is your accounting period end and is typically the last day of the month.

There are no additional fees, no hidden costs
It costs nothing to join (or leave) No Worries Umbrella Company. 

Frequently Asked Questions

Why Contractors Use Umbrella Companies

Contractor umbrella companies have become a popular way for contractors to work in the UK. But what are they, and why do people use them? An umbrella company is a payroll company that contracts workers to hire out to other businesses usually via an agency. Essentially the Umbrella company sits between the contractor and the agency/end client and processes the contractors pay each week. This can be an appealing option for contractors who want to avoid the hassle of setting up their own limited company. There are no IR35 concerns, and there is minimal paperwork to complete each week. However one of the frequently commented downsides to using an umbrella company is that you will be paid net, which means that the income on your timesheet will have deductions made for employers national insurance, apprenticeship levy, employer pension contributions, and the Umbrella company margin. After this, further payroll taxes are deducted including employees national insurance, income tax, and employee pension contributions. To understand the full picture complete our Take Home Pay Calculator above. And you still have questions take a look at our umbrella company faqs.

How National Insurance Contributions are Calculated

Umbrella contractors have two different types of national insurance contributions (NIC) deduced from their pay which reduce their overall gross pay. The first type is called employers NIC, and for weekly paid contractors this is deducted at a fixed rate of 13.8% on all weekly earnings above £170. Employers NIC is uncapped, so the tax rate remains 13.8% no matter how much you earn. The second type is employees NIC and deductions are made at two rates. For earnings between £184 to £967 per week the rate is 12%. And then for all earnings above this threshold, the rate is 2%. Although this tax rate is also uncapped, it’s much lower for higher earners compared to employers NIC. Note these rates are set of the HMRC and are exactly the same as used by other umbrella companies.

Could I Use a Limited Company

Limited companies are a great way to conduct your business because they allow you the flexibility and benefits of paying yourself salary or dividends, make pension contributions tax free through company funds – even leave retained funds in the business for future extraction! Our sister company No Worries Company Services is well versed in how best to operate a limited company. They do however come with more administrative hassle than Umbrellas. A good accountant should be able take some of this load off your hands but still, when compared with an Umbrella company, the admin involved is more.

Another problem arises if your work falls within IR35. Often you will not be able to use a limited company are this work, and where you can, the tax deductions you suffer through your company will mitigate any tax advantage you might have. In most cases, if your work is caught by IR35 (sometime termed “inside IR35”) then your best option will be to use an Umbrella company.

Have your own questions? Please call 020 7731 1117,
we are always happy to talk.