# AOR for the work that's legitimately independent.

Keep IC where IC qualifies. Convert to W-2 only when the job demands it. Every determination model-assisted, specialist-reviewed, and backed by real insurance, not symbolic indemnity.

[Run a classification →](/content/demo/index.html) [See a sample determination](/content/demo/index.html)

## Classification Determination · v1.0

### Decision
- ML-assisted, specialist-reviewed
- Structured questionnaire · 38 indicia · audit-grade rubric

### Output
- Defensible classification + defense file
- Routes to IC track, W-2 track, or hybrid

### Time to determine
- Under 24 hours
- Most queries return same-day

### Indemnity
- $1M default
- $5M umbrella

### Coverage
- WC, GL, Media, E&O — all in the IC's name
- Real backed policies. Not symbolic caps.

### Defense file
- Audit-ready · versioned · API-pullable
- Every contract, questionnaire, and rubric stored

## Where it runs
### In your onboarding flow. In your team's chat.

Embed determinations into your platform with the REST API, or let your ops team run them from Slack and Microsoft Teams through the 1099Policy MCP service. Same rubric, same specialist sign-off, same defense file, whichever surface asks.

### Determinations inside your own onboarding

Drop the questionnaire into the worker flow you already run. Status webhooks keep your records current, with no new tab and no separate portal.

### Choice architecture
- Classify the job first, the person second.
- Job-first rubric
- Per-engagement not blanket
- Worker preference factored

### Insurance-backed indemnity
- Real carrier-backed policies in the contractor's name, not the $50K symbolic caps EORs and vendor wrappers ship as “indemnity.”
- $1M default · $5M umbrella
- WC GL Media E&O
- Misclassification defense

### Light structure
- The lightest credible wrapper for compliance. No staffing-firm overhead, no surprise payroll lift, no benefits administration you don't want.
- Qualified vendor / AOR / 1099
- API onboarding
- No payroll mark-up

### Structured questionnaire
Job, scope, supervision, tools, exclusivity, payment, integration — 38 weighted indicia mapped to federal IRS, DOL, ABC, and state-specific rules.

### Classification model
Risk-scored against the rubric. Surfaces controlling factors, identifies state-specific friction (CA AB5, NJ ABC, MA), and proposes a route.
- Score: 0.84 · IC-defensible

### Specialist sign-off
A 1099Policy compliance specialist reads every model output, validates the rubric, and signs the determination. Human in the loop — not gone from it.

### Defense file delivered
Versioned PDF + JSON. Contract clauses, questionnaire, rubric scoring, sign-off. Stored, API-pullable, audit-grade.