Insurance & Compliance API for 1099 Contractors | 1099Policy
Your contractor is ready. Is their insurance?
Insurance infrastructure that covers contractors per-assignment, without the cost or friction of an EOR.
See how it works → Read the docs
Trusted by companies managing contractor workforces
Jack Morton
Weber Shandwick
The Martin Agency
BBDO
TBWA
Kinnetix
Shiraz
CreatorIQ
INVNT
Wieden+Kennedy
Worksuite
Clipboard Health
“The savings of using 1099Policy vs. our EOR are substantial when an IC does not have workers comp. We saved millions by using 1099Policy versus rerouting the IC.”
Paul Labelle
Strategic Sourcing Director · IPG
- A fraction
of the cost of an EOR
- <1 min
to contractor enrollment
- Instant
audit-ready COIs on demand
[Creative Professional
**Your brand. Their business. Everyone covered.** \
Designers, writers, and creative contractors, covered from day one, without disrupting their workflow.
Creative Professional. Your brand. Their business. Everyone covered.. Designers, writers, and creative contractors, covered from day one, without disrupting their workflow.](/content/solutions/creator-talent-agencies/index.html) [Allied Healthcare
**Staff fearlessly** \
Compliance-ready coverage for every travel nurse, therapist, and allied health contractor you deploy.
Allied Healthcare. Staff fearlessly. Compliance-ready coverage for every travel nurse, therapist, and allied health contractor you deploy.](/content/solutions/allied-healthcare/index.html) [Live Events
**The show must go on, safely** \
Independent production managers, tour managers, and creative specialists, insured for every venue, every gig.
Live Events. The show must go on, safely. Independent production managers, tour managers, and creative specialists, insured for every venue, every gig.](/content/solutions/live-events/index.html) [Dispatched Repair Services
**Every contractor. Every job site. Covered.** \
From electricians to HVAC techs, field service contractors get the protection they need, embedded right into your dispatch workflow.
Dispatched Repair Services. Every contractor. Every job site. Covered.. From electricians to HVAC techs, field service contractors get the protection they need, embedded right into your dispatch workflow.](/content/solutions/dispatched-repair-field-services/index.html)
Real results, real coverage
See how companies use 1099Policy to automate insurance compliance and protect every contractor engagement.
Custom media liability insurance deployed in under 30 days for 4,000+ contractors
The country's second-largest commercial property firm replaced their EOR with 1099Policy - covering content creators and brand activators across nationwide events.
4,000+ contractors covered
50% cost reduction vs. EOR
30 days to deployment
Per-assignment insurance for a nationwide freelancer network, audit-ready from day one
Jack Morton replaced scattered spreadsheets and manual chasing with 1099Policy embedded in Worksuite - every freelancer covered and verified before the assignment starts.
80+ hrs per week reclaimed
100% per-assignment coverage
0 coverage gaps at call time
Embedded creator coverage across hundreds of campaigns
CreatorIQ and 1099Policy make insurance native to the creator workflow - so brands turn on protection for every campaign without slowing creative work.
<1 min to opt into coverage
4 lines WC, GL, media & cyber
Hundreds of campaigns supported
$103K saved in a single year by replacing EOR markups with per-assignment coverage
A national talent firm gave its uninsured contractors proper workers' comp through 1099Policy - at a fraction of the cost of routing them through an EOR.
$103K+ saved in one year
~97% lower cost than EOR
$0 EOR markup paid
Per-shift coverage in the provider's own name - and more facilities saying yes
A healthcare shift marketplace requires providers to bind workers' comp in their own name before they can accept a shift, with a COI issued to the provider, the marketplace, and the facility before they're on site. It removes the audit exposure facilities worry about - and the marketplace reports it's helping their team close facilities that used to stall on insurance.
<1 min to bind per-shift coverage
Per shift WC in the provider's own name
Audit-ready COI before every shift
Coverage built for contingent labor
Every coverage type is tailored for independent contractors, not retrofitted from traditional employer policies. Bind in seconds, not weeks. Coverage limits shown are standard, and we can scope custom amounts for your program.
Workers' Compensation
Injury protection for every contractor, every job
Covers medical expenses, lost wages, and rehabilitation, required by law in most states. Quotes generated instantly from class codes and job details.
- Rate per $100 earned
- 46 states
- Pay-as-you-go
- Learn more → Workers' Compensation
General Liability
Third-party claims protection, fully automated
Covers bodily injury, property damage, and personal injury claims from third parties, essential for contractors working on client premises.
- Rate per $100 earned
- 50 states
- $1M / $2M limits
- Learn more → General Liability
Media Liability
Creative work, fully covered from claim to resolution
Protects against defamation, copyright infringement, and invasion of privacy, built for content creators, designers, and media professionals.
- Premium ~ $140/mo
- 30-day minimum
- Worldwide
- Learn more → Media Liability
Cyber Liability
Digital risk coverage for the modern contractor
Protects against data breaches, ransomware, and cyber incidents, critical for contractors handling sensitive client data or systems.
- Premium ~ $140/mo
- 30-day minimum
- International
- Learn more → Cyber Liability
Professional Liability
Errors & omissions coverage for expert work
Covers claims of negligence, errors, or failure to deliver - essential for IT consultants, engineers, and professional service contractors.
- Rate per $100 earned
- 50 states
- Pay-as-you-go
- Learn more → Professional Liability
Where we sit in your tech stack
Feed us your contractor and engagement data. We handle the insurance, from quoting through binding to real-time compliance monitoring.
| WHAT YOU PROVIDE | WHAT WE DELIVER |
|---|---|
| Contractor data | name, location, role |
| Engagement details | scope, duration, compensation |
| Requirements | coverage, compliance rules |
| Real-time coverage | instant bind and activate |
| Automated COIs | certificates on demand |
| Risk monitoring | lapses, renewals, alerts |
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.