Want a hassle-free umbrella service?

Ovations manage the complexities and day-to-day tasks of payroll, so you can focus on running your business.

Ovations Umbrella supports UK based contractors engaged with agency assignments, by providing PAYE and Self-Employed Payroll Options that suits every level of their earnings. Our services offer a One-Stop Shop to contractors in various industry sectors for both Blue- and White-Collar disciplines, but also compliment Agencies by ensuring a Hassle-Free and Efficient pay run with minimal fuss.
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A tried and tested umbrella service you can rely on

Tax and compliance

We ensure all your Taxes and National Insurance contributions are taken care of, giving you more time to focus on what you do best.

Prompt onboarding and payments

Your seamless onboarding is our responsibility and with our weekly or monthly payment options, we’ll make sure you’re paid on time, every time.

Insurance backed

As an Umbrella employee, you’ll automatically have comprehensive insurance cover for public liability, employers’ liability and professional indemnity.

Competitive Umbrella Margin

Ovations Umbrella guarantee the lowest and most competitive Umbrella margins in the industry, so that you can get the highest amount as your take home pay.

Fully HMRC compliant

Being employed by Ovations all your gross pay is processed through PAYE, removing the risk of tax investigations or unexpected bills – unlike some unscrupulous umbrellas.

Prompt Customer Service

Our team of experts are always available to advise you on your payroll, HMRC guidelines, IR35, or AWR regulations.

Hi I am Rebecca, an umbrella contractor!

Ovations helps me be more productive
- I always get paid on time
- My tax responsibilities are taken care of
- I can concentrate on contracting

Rebecca Doe Smith
NHS Healthcare



An Umbrella Company is a company that acts as an employer for contractors working on fixed-term contracts. They act as an intermediary between the contractor and their end client or agency. Its primal function is to organise payment for the contractor. To do this they collect the contractor’s earnings from the end client or agency and then pay it onto the contractor after deducting Taxes and National Insurance Contributions.

Umbrella clients are paid in a similar way to permanent employees (PAYE). As a result, the umbrella company will deduct Tax and Employee National Insurance Contributions from your pay. These will be sent to HMRC. As an umbrella employee, you’ll also be responsible for employment costs, including the Apprenticeship Levy and Employer’s National Insurance Contributions.

Additional deductions that you will see on your payslip will include Holiday Pay (which is simply a reallocation of your own pay), student loan repayments (if applicable) and pension contributions (if you choose to remain in our chosen pension plan).

All deductions made from your payslips will be:

  • Taxes
  • Employee National Insurance Contribution
  • Employer’s National Insurance Contribution
  • Holiday Pay (if accrued)
  • Pension (if applicable)
  • Umbrella Margins
  • Student Loan (if applicable)

The umbrella margin is the amount an umbrella retains each week/month from the funds it receives from an agency or client. This is agreed in advance with the agency or client.

You should know the Umbrella margins before starting with the umbrella company, this should also be include in the Pay Illustration you receive from the umbrella company .

When an umbrella company contracts with and receives funds from an agency or client the funds are used:

  • Firstly to cover its margin
  • Secondly to cover employer taxes being Employer’s NI and Apprenticeship levy
  • Thirdly to cover a contractor’s pay and holiday pay

There is no separate fee to the agency/client or the contractor. The margin received by the umbrella company is used to cover its own costs, including staffing, IT, processing fees, property overheads and bank charges, contractor insurances and also to pay for other costs such as SSP and SMP.

insurances and also to pay for other costs such as SSP and SMP.

The Employers National Insurance Contribution (NIC), as the name suggests is actually paid by the Employers (in this case the end client), but when the Umbrella Company comes in picture then the End client pays the whole Assignment rate amount to the Umbrella company who makes all the deductions and pay the due to the government and keeps the Umbrella margin.
The Assignment rate you agree with the End client includes the Employers PRSI, Employees PRSI, Umbrella margins and Taxes which is deducted by the Umbrella company and is thus reflected in your payslip for your clarity.

For more information on the why a contractor pays Employers National Insurance then please visit our blog article: Do Contractors pay Employers National Insurance?