Liability insurance for independent contractors.

Per-assignment general liability, issued in each contractor's own name, with the certificate in hand before work begins. No annual policies to chase, and no coverage gaps to discover in an audit.

See it in your flow → Sample GL COI

General Liability

• Active Insured: Independent Contractor (named) The contractor is the named insured. Platform, client, or venue can be added where required.

Coverage

• Contractor-named GLGeneral liability for covered third-party bodily injury and property damage claims, issued on specialty market paper.

Trigger

• Per-engagement Active for the job window and matched to the assignment, site, and customer-of-record.

Availability

• 49 states + DC General liability is available in every state except Hawaii.

Time to bind

• Under 60 seconds Average enrollment + assignment details

COI delivery

• Instant PDF Fetch via API or dashboard. Additional insured supported where required.

Third-party bodily injury

Non-employee injury claims arising from the contractor's work, with legal defense costs included.

• ✓ Defense costs included
• ✓ Per-occurrence and aggregate limits
• ✓ Named in the contractor's policy

Third-party property damage

Damage to a client's, venue's, or third party's property during the engagement.

• ✓ Covered per occurrence
• ✓ Repair or replacement
• ✓ Claims handled by the carrier

Additional insured on demand

The client, venue, or platform is added as additional insured per engagement, meeting their requirement without touching their own policy.

• ✓ Blanket AI supported
• ✓ Instant COI evidence
• ✓ Per-engagement issuance

49 States + DC · all except HI

Per-job general liability across 49 states + DC.
GL available Not yet available

Hawaii is the one state where GL is not currently available. Every other state, plus DC, binds per job through the same API.

Steps to Bind

1. Contractor opts in
   Embedded in your existing onboarding. Role, assignment, site, and customer-of-record are the inputs the carrier needs to underwrite.
2. We bind
   Carrier-backed quote returns in under a second. Premium calculated by coverage, exposure, and engagement details.
3. COI delivered
   Instant PDF naming the client, venue, or platform as additional insured. Archived for retrieval, accessible via API or dashboard.

Common Questions

Do independent contractors need liability insurance?
Usually the requirement comes from the people hiring them. Clients, venues, property managers, and platforms typically ask for proof of general liability before work starts, and many contracts make it a condition of the engagement. There's also a practical reason for the hiring organization to care: if a contractor damages a client's property or injures a bystander and carries no coverage of their own, the claim tends to land on whoever does have a policy.

Does my business insurance cover independent contractors?
Generally not the way people assume. Your commercial general liability policy is written around your own operations and employees. Independent contractors are usually excluded or treated as a separate exposure, and some policies specifically carve out work performed by uninsured subcontractors. That's why most hiring organizations require contractors to carry coverage in their own name rather than relying on their own policy to stretch.

What does general liability actually cover for a 1099 contractor?
Third-party bodily injury, third-party property damage, and the legal defense costs that come with either. It does not cover the contractor's own injuries, which is what workers' compensation is for, and it does not cover mistakes in their professional work, which is what professional liability (E&O) handles. Those are three separate lines, and a contractor may need more than one depending on the work.

How much is liability insurance for independent contractors?
It depends on the work: the scope of the engagement, how long it runs, and the risk class of the job. Annual policies charge the same premium whether the contractor works twelve months or two, which is why per-assignment pricing exists. Coverage is priced against the actual engagement, so short, low-risk work is priced accordingly.

How fast can a contractor show proof of coverage?
Coverage binds in under a minute once the contractor has opted in, and the certificate is issued as an instant PDF naming the client, venue, or platform as additional insured where required. It can be pulled through the API or the dashboard, so the certificate is in hand before the first day of work rather than chased afterward.

Which states is general liability available in?
49 states plus DC. Hawaii is the one state where general liability is not currently available. Everywhere else binds per job through the same API. (Workers' compensation has a different footprint: 46 states plus DC, because North Dakota, Ohio, Washington, and Wyoming run monopolistic state funds.)

Watch a COI issue in real time.

We'll wire GL into your dispatch or onboarding flow with sample contractors and walk you through AI endorsements, COI delivery, and the claims path.

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