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If you run a recruitment business, work with umbrella companies, or sit anywhere in the supply chain, the next 12 to 18 months will force decisions you can no longer avoid. I’m joined by Joe Taffurelli, an umbrella industry veteran with deep government and policy insight, to talk honestly about what the recent Budget, Joint and Several Liability, and the Employment Rights Bill really mean for umbrellas, agencies and end clients. We don’t hold back and cut through political optics and get into the commercial reality facing businesses right now. We discuss why JSL is not just about compliance but about tax collection, risk transfer and financial stability, why credit terms and margins are becoming existential issues, and why the umbrella market is heading for consolidation. We also explore why the industry lacks an authoritative voice and how that is damaging trust across the supply chain. If you think you can wait until next year to act, or that software or insurance alone will solve this, this conversation should make you think again. “A well run umbrella protects the entire supply chain, that’s the point.” – Joe Taffurelli You'll Hear About: • Reaction to the UK Budget • Why business feels targeted again • The real purpose of JSL • Tax before worker protection • Credit risk and balance sheets • Why margins must rise • Consolidation in the umbrella market • Industry narratives damaging trust • Employment Rights Bill cost pressures • Why action cannot wait Chapters: 00:00 – Budget reaction and business impact 04:05 – Why business feels under attack 10:40 – Debt, tax and political reality 15:58 – Hope, leadership and public trust 26:01 – What JSL is really about 27:31 – Tax collection versus worker protection 31:05 – Credit risk and financial stability 36:00 – Paying HMRC and supply chain risk 40:50 – Margin erosion and market land grabs 46:43 – Industry voices and regulation gaps 1:07:50 – Employment Rights Bill implications 1:13:14 – Why regulation is still positive About Joe Taffurelli: Joe on LinkedIn - / joetaffurelli Ovio Solutions - https://ovio-solutions.co.uk/ My resources: LinkedIn - / robert-sharp-a9530142 Orca Pay Group - https://orcapaygroup.co.uk/ Orca Pay Group on Instagram - https://www.instagram.com/orcapaygrou... Produce by Between Tracks - www.betweentracks.com