Contractor Help
We stand for something different
Whether you are completely new to contracting or a seasoned pro looking for a new payroll provider you should consider Ginger Tree Payroll. We stand for something different. We are constantly looking for new ways to support you and your lifestyle and that benefit the communities in which you work.
ContractorSpecialists
Umbrella
A fully employed solution with a host of benefits and is one of the most common choices for the modern contractor.
CIS
Construction Industry Scheme
Sole Trader
A self employed solution for those in Construction
How it works?
We charge a fixed, fair market margin for our services which are delivered by our dedicated UK account team who are always on hand. Our work is done in the background coordinating admin tasks to get you paid compliantly and on-time so you can focus on your assignment.
Collecting funds from the agencies you work with
Deducting the correct tax and National Insurance contributions
Processing of any statutory benefits such as holidays/ maternity/ paternity
Processing pensions via your chosen method
What contractor solution is right for me?
Using an umbrella provider means your Agency is outsourcing the employment responsibilities for your Contractors that otherwise would fall upon you. Further, an Umbrella provider reduces the administration typically associated with engaging contractors e.g. Insurance, Pensions and payroll.
If you would like to know more about how we can support you and your business get in contact today!
A fully employed solution with a host of benefits and is one of the most common choices for the modern contractor
An umbrella company acts as your employer and enables you to transition between agencies and assignments. This ensures Tax and NI is dealt with, provides you access to a range of benefits and rewards, means you are always fully insured for the work you do and is recognised as continuous employment when applying for things like a mortgage.
Insurance
One of the key features of working through GTP is that you benefit from a level of insurance cover that would be expensive to acquire if you were to purchase it individually.
The 3 main insurances that are relevant to you are:
- Professional Indemnity – cover if you make a mistake on assignment
- Public Liability – cover if you damage something on site
- Personal Accident cover – cover if you have an accident either commuting to or on site
Some of the important services GingerTree Payroll provide their employees:
We will deal with the majority of the admin tasks associated with getting you paid, on time and compliantly
Collecting funds due to you from agencies/clients
We are responsible for deducting the correct tax and National Insurance contributions
Access to Contractor specialist Mortgageable advisors
Fixed price margins so no surprises
Process pensions via your chosen method of Workplace pension or salary sacrifice
Dedicated UK based support and payroll teams
Processing of any statutory benefits such as holidays/ maternity/ paternity
Wellbeing package including but not limited to:
Counselling services
Get Active Guide
Wellbeing Library
Umbrella FAQ's
An umbrella company acts as a third party employer for contractors to enable them to move between agencies and assignments but maintain continual employment and associated benefits. This gives them the flexibility of contracting but also the benefits of employment e.g. when applying for a mortgage or finance. The Umbrella fully insures the Contractor and deals with all aspects of contracts, invoicing, cash collection, payroll and pensions.
Employers NI is a deduction which is made from the Assignment/Pay rate that each Contractor negotiates with their Client/Agency.
All Employers, including GTP are obliged to make the deduction and pay it straight to HMRC at the current rate of 13.8%.
Depending on the requirements of the Agency you are working with you may need to send us a copy of your timesheet but don’t worry – we will let you know if that is the case.
One of the key features of working through an GTP is that Contractors benefit from a level of insurance cover that would be expensive to acquire if you were to purchase it individually.
The 3 main insurances that are relevant are:
- Professional Indemnity – cover if you make a mistake on assignment
- Public Liability – cover if you damage something on site
- Personal Accident – cover if you have an accident either commuting to or on site
An Umbrella Company’s Margin is an amount retained each week/ month from the funds it receives from an agency or client on behalf of a Contractor.
This margin used to cover GTP’s own costs to run the business as well as providing things like contractor insurances and also to pay for other costs such as SSP.
You will always be told what the margin is before you start an assignment and it will be fixed for that contract.
A self employed solution for those in Construction
Subject to certain checks, you will become a Sole trader and work under the Construction Industry Scheme (CIS). Typically this means 20% tax will be deducted from each payment as an advance contribution to your annual PAYE and National Insurance bill. Ginger Tree’s margin will also be deducted and that covers dedicated support and comprehensive insurance. At the end of the financial year you will need to complete a tax return which will potentially allow you to claim some of that tax back.
Insurance
One of the key features of working through GTP is that you benefit from a level of insurance cover that would be expensive to acquire if you were to purchase it individually.
The 3 main insurances that are relevant to you are:
- Professional Indemnity – cover if you make a mistake on assignment
- Public Liability – cover if you damage something on site
- Personal Accident cover – cover if you have an accident either commuting to or on site
Under Contractor help – CIS – Services we offer:
We will deal with the majority of the admin tasks associated with getting you paid, on time and compliantly
We are responsible for deducting the correct deductions under CIS
Fixed price margins so no surprises
Collecting funds due to you from the agencies/clients you work with
Dedicated UK based support and payroll teams
Wellbeing package including but not limited to:
Counselling services
Get Active Guide
Wellbeing Library
CIS FAQ's
A self-employed contractor or “Sole Trader” works for themselves, either sourcing and undertaking their own projects of finding work through an agency. If you are self-employed in the building or construction trade, then you should pay tax under the construction industry scheme (CIS).
GTP is obliged to withhold an amount of money from any payments it makes to its subcontractors. Typically, this is 20% if the subcontractor has a verified UTR Number or 30% if not.
The deduction is paid straight to HMRC and is in effect a pre-payment of the Subcontractors tax bill for the year. At the end of the financial year the subcontractor will need to complete a tax return which will potentially generate a rebate to them.
The Company’s Margin is an amount retained each week/ month from the funds it receives from an agency or client on behalf of a Contractor.
This margin used to cover GTP’s own costs to run the business as well as providing things like contractor insurances and also to pay for other costs such as SSP.
You will always be told what the margin is before you start an assignment and it will be fixed for that contract.
One of the key features of working through an GTP is that Contractors benefit from a level of insurance cover that would be expensive to acquire if you were to purchase it individually.
The 3 main insurances that are relevant are:
- Professional Indemnity – cover if you make a mistake on assignment
- Public Liability – cover if you damage something on site
- Personal Accident cover – cover if you have an accident either commuting to or on site
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“We outsourced our payroll to Ginger Tree as they were the most consultative intermediary we spoke with. From the outset, they asked the right questions and demonstrated they understood our business and our growth strategy. The end result is a solution that adds considerable value to our business besides just payroll.”
Mike | Managing Director
“We have worked with Ash for years, so knew to expect the same professional, care and transparency with Ginger Tree. The team take real pride in their work and the ‘customer’ experience. They are proactive, professional and are a great extension to our services.”
Danny Jillions | Managing Director
“Ashley and her team at Ginger Tree operate as an extension of our team. Their culture is aligned to ours. They continually work with clarity, commitment and accountability and that ensures their interactions with our team and our contractors always provides a positive impact.”
Neil | Managing Director
"Our primary responsibility is to you, our contractors. We strive to make sure everything we do is high quality and the products and services we provide help increase your odds of success. It goes without saying we will pay you promptly, compliantly and accurately, but we will also support you with benefits and incentives that promote wellbeing and help you fulfil your personal, family and community responsibilities."
Ashley McClure, Founder
Ginger Tree Payroll