Insurance
Tax investigation insurance. If HMRC opens an enquiry, being represented properly shouldn't come with a bill you didn't budget for.
Many people worry about a possible HMRC investigation.
Like other possible events in life, it is possible to insure against it.
We offer a policy that will cover our fees if you need us to defend you or your businesses position in a HMRC investigation.
The monthly amount is small but the peace of mind is great.
If you are interested and would like to find out more just give us a call.
What a tax investigation insurance covers for creatives
Tax investigation insurance, also called fee protection insurance, covers your accountant’s professional fees if HMRC opens an enquiry into your tax affairs.
WallsMan Creative offers a fee protection policy to clients, so that if HMRC investigates (whether randomly selected, a targeted enquiry, or a check on a specific claim) the cost of us representing you through it is already covered.
Our professional fees for representing you through an HMRC enquiry or compliance check
Correspondence and negotiation with HMRC on your behalf
Aspect and full enquiries into Self Assessment and corporation tax returns
VAT and PAYE compliance checks
Enquiries into specific claims: including R&D and creative industry relief claims, which is particularly relevant given how often those are risk-profiled
What it doesn’t cover: any tax, interest or penalty found to be due, and enquiries opened because of deliberate wrongdoing rather than a genuine dispute or error.
It protects the cost of representation, not the underlying liability.
Frequently Asked Questions about tax insurance
HMRC investigation insurance covers the professional fees charged by your accountant if HMRC opens an enquiry into your tax affairs. It does not cover additional tax, penalties, or interest – only the cost of defending your position.
Most businesses will face some form of HMRC contact at least once: often routine, sometimes random. HMRC investigations are not always triggered by wrongdoing.
The policy covers accountancy fees for preparing response; liaising directly with HMRC on your behalf; defending your tax position throughout the enquiry.
No. HMRC investigation insurance only applies to future enquiries, starting after the policy is active. Known or ongoing issues are excluded.
Yes. Sole traders, freelancers, contractors, and limited companies can all benefit – particularly those in the creative industries, where income structures are often more complex.
Yes. Even fully compliant businesses can be selected for random or routine checks. The insurance buys certainty and peace of mind — not just protection from mistakes.
Yes. If you’re insured, we will handle communication with HMRC, prepare responses, and defend your position end-to-end, saving you time and stress.
Simply contact us to discuss your situation. We’ll explain the policy, confirm suitability, and arrange cover before any enquiry begins.