Per-shift workers' comp for the healthcare professionals who cover your shifts, without converting them to W‑2.

Every professional binds workers' comp in their own name before accepting a shift, with a COI issued before they step onto the floor. They stay 1099, and the uninsured-labor gap never lands on your audit.

See it live → EOR vs 1099 calculator

The per-diem coverage gap

Your professionals cover shifts without coverage in their name, and the gap lands on your audit.

Legal posture

A healthcare general counsel told us 1099 professionals can't get workers' comp. They can.

Every state lets an independent contractor carry WC in their own name. The misconception is what exposes your platform, not the law.

EOR conversion

Converting a per-diem RN to W-2 just to fix WC eats the fill margin.

EOR conversion is the most expensive way to solve a problem you don't have to create.

License math

One injury in a state you don't cover unwinds 18 months of growth.

Coverage routes to the work state of each shift, not your HQ, so every shift is covered where the work actually happens.

Credentialing speed

Credentialing already takes 45 days. Coverage shouldn't add a week.

Per-shift activation finishes before the contractor signs their first chart.

Compliance loop

Facility requires COI → professional opts in → roster scales.

Coverage in the contractor's name supports facility audits and strengthens the case that each professional is independent.

Built for staffing desks

Four capabilities, built for the per-diem staffing workflow.

POST /v1/assignments

1. "contractor":"cn_8FK2Rd9Qa",
2. "job":"jb_clinicalRN",
3. "work_state":"PA"

● 200 policy: po_LRq7Kd$0.42 / $100

Bind a WC policy in the professional's name through the same API that drives your assignment workflow.

The Assignments API takes the assignment as input, returns a rate against $100 earned, and binds the policy when they opt in. No broker call, no policy origination delay.

• Policy ID po_LRq7w89
• Hours worked 24.5h
• Rate per $100 earned $0.42
• Premium due $6.17

Premium meters per shift worked. No annual policy for you to carry.

Each professional's coverage prices per shift in their own name: pay-as-you-go on $100 earned, no annual minimum. Collect it through your platform or let them remit directly. Either way, these contractors stay off your WC payroll.

Workers' compensation

• Certificate holder
  • Jane Roberts, RN
• Each accident $500,000
• Disease (each employee) $500,000
• Disease (policy limit) $500,000

Coverage belongs to the professional, not your platform.

The fractional insurance policy issues in the contractor's name, the structure your general counsel didn't realize was possible. It removes the misclassification trigger most plaintiffs reach for after an uninsured-injury claim.

Coverage by state

• PA, 142 professionals (most active)
• PA · 8810
• 36.2%
• NY · 8810
• 28.4%
• NJ · 8810
• 22.1%

Every shift is covered under the state where it happens, automatically.

Each shift binds in the state where the work happens, with that state's WC class code. One missed state line stops being one missed reclassification claim.

We're onboarding a lot of contractors for in-home care, and what we needed was workers' comp for the people driving out to seniors' homes. It's going to save us a lot of time and energy, and a lot of money.

Do 1099 allied-health professionals need workers' comp?

Often, yes. Facilities and staffing platforms frequently require active workers' compensation before an allied-health professional, therapist, tech, or home-health contractor can take a shift.

Does paying for coverage compromise an allied-health professional's 1099 status?

Not when the policy is issued to the contractor as the named insured. 1099Policy can add the staffing company, facility, or network as additional insured while keeping the underlying coverage with the contractor.

What happens if an allied-health professional is injured during a shift?

The contractor's policy is designed to respond first for covered medical costs, wage replacement, and related benefits. The facility or staffing platform stays attached to the certificate record for audit and contract purposes.

Can coverage follow an allied-health professional across multiple facilities or states?

Yes, when the engagement is routed correctly. 1099Policy supports coverage by assignment, shift, or longer policy window, and stores the certificate trail by work state and facility requirement.

How does this fit into credentialing and facility onboarding?

1099Policy handles the coverage piece, issuing and storing proof of insurance, and it slots alongside your existing license, background-check, immunization, and facility-packet workflows. We don't verify clinical credentials or licenses ourselves. Coverage just becomes one more item the staffing desk can confirm and file before the assignment starts.

Who is the named insured on the policy?

The independent allied-health professional or contractor is the named insured. Their name or business entity appears on the COI, while the staffing company, facility, or health network can be added where required.

Cover every shift without an EOR conversion.

Issue workers' comp in the professional's name, route it per-shift, and pull a COI the same day. Stay 1099, stay compliant.

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Per-shift WC routing for healthcare workforces across 46 states.