# 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 →](/content/demo/index.html) [Sample COI](/content/demo/index.html)

### 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.

[Get Started](/content/demo/index.html) [Book a Demo](/content/demo/index.html)