Workers' comp in the contractor's name.

Per-engagement coverage, priced against wage paid. Claims, COIs, and policy administration route through the IC's policy, never the platform's.

See it covered → Sample COI

WCWorkers' Compensation

● Active

Insured

Independent Contractor (named)Not the platform. Not the agency. The IC.

Coverage

Statutory limits in 46 states + DCMedical, lost-wage indemnity, and death benefits, set by each state's compensation schedule.

Trigger

Per-engagementActive only during the engagement. Premium scales with wage paid, not duration.

Deductible

$0 to contractorNo out-of-pocket cost on a claim. Carrier pays from the first dollar.

Time to bind

Under 60 secondsAverage enrollment · 4 inputs

COI delivery

Instant PDFFetch via API or dashboard. Blanket additional insured supported.

Medical & indemnity

Statutory medical, lost-wage indemnity, vocational rehab, and death benefits, calculated to each state's compensation schedule.

• ✓No copay to the IC
• ✓Direct provider payment
• ✓Same-day claim intake

WC audit defense

At a WC audit, uninsured contractor labor gets picked up as the platform's payroll exposure, often with a three-year look-back. Contractor-named coverage with per-engagement COIs keeps that labor out of the audit ledger from the start.

• ✓Per-engagement COI evidence
• ✓COI archive for audit retrieval
• ✓Waiver of subrogation

Indicia of independence

Coverage that lives with the contractor (not the platform) keeps the relationship structurally clean under the ABC test, Cal AB5, and the new NY Fashion Workers Act.

• ✓Audit-ready COIs
• ✓1099 status preserved
• ✓State filings included

States covered as of May 2026

Full statutory WC across 46 states + DC.

Private-market WCMonopolistic state fund

*North Dakota, Ohio, Washington, and Wyoming are monopolistic state-fund jurisdictions. By statute, WC there is administered exclusively by the state, not the private market.

Contractor opts in

Embedded in your existing onboarding. Identity, role, state, and wage: the four inputs the carrier needs to underwrite.

We bind

Carrier-backed quote returns in under a second. Premium calculated by coverage, exposure, and engagement details.

COI delivered

Instant PDF naming the platform as additional insured. Archived for audit retrieval, accessible via API or dashboard.

Close the coverage gaps across your IC network.

Validate workers' comp and liability for 100+ vendors simultaneously. Stop manual COI reviews and start automating your third-party risk management.

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