Workers' comp and liability for your freelance creators, without the EOR markup or the W‑2 conversion.

WC, GL, and Professional Liability issued in the contractor's name and sized to each campaign, not a 12-month policy. Your freelancers stay 1099; your clients stay covered.

See it live → EOR vs 1099 calculator

The creator economy gap

Creators are working without coverage. Brands are noticing.

The talent management playbook hasn't caught up with how creators actually get hired. Here's what's quietly breaking, and what 1099Policy fixes.

A Vlog Squad stunt: nine surgeries and a $10M injury lawsuit.

Jeff Wittek's injury filming a David Dobrik video came down to one question: covered worker, or uninsured contractor? Coverage in the creator's name keeps it out of court.

You're paying 20% to convert creators into W-2s they don't want to be.

Talent managers tell us EOR conversion is the most expensive way to solve the WC problem, and creators hate the friction. We fix it without the markup.

Regulators are tightening WC rules for 1099 creative work.

CA, NY, and NJ increasingly treat an uninsured creator as the brand's employee for liability. Coverage in the contractor's name clears the ABC test, too.

COI review eats 8 hours per booking.

We auto-verify, auto-tier, and auto-store, so your team stops playing insurance broker.

Brands require coverage → creators sign up → roster grows.

Each covered creator brings the next: your first ten bring the next hundred.

Built for talent ops

Four capabilities that turn brand-partnership compliance into infrastructure.

What runs when a creator is briefed, signs the deal memo, and ships the content, coverage included.

1

Bind WC and GL in the creator's name through the same API that drives the campaign brief.

The Assignments API takes the engagement as input, returns a rate against the content fee, and binds coverage when the creator opts in. No legal-team escalation, no week-long broker quote.

Compliant creator roster 1,247 (total)

↑ 18.6% vs last month

2

The compliant-roster number your CRO will actually screenshot.

As creators opt in, the dashboard turns roster growth into a single line finance can track. Coverage stops reading as a cost center and starts reading as a metric that goes up and to the right.

General liability

3

Coverage in the creator's name. Brand named on the COI for the campaign.

WC and GL issue in the creator's name; the brand and agency get listed as additional insureds for the campaign window. The structure that makes the legal review actually quick.

Contractors with pending applications

4

Every creator on the campaign, every COI status, in one queue.

Compliance review queue mirrors how brand legal already triages. The 8-hour manual review becomes a 5-minute dashboard scan, with status visible to the CMO at any time.

As an agency, we're not going to hold insurance for each of our creators. They all run their own businesses under their own 1099s. We just want to make sure they can take advantage of what we bring to them.

Do creators need workers' compensation if they're 1099 contractors?

Often, yes, but for practical reasons, not because one law says so. Brands and platforms increasingly require creators to carry their own coverage before an engagement. In states that use the ABC test (California, New Jersey, Massachusetts, and others), an uninsured creator who gets hurt can be reclassified as your employee. That leaves you the de facto employer on the claim. Workers' comp carried in the creator's own name keeps that injury with their policy.

What happens if a creator gets injured during a brand engagement?

The creator's policy responds first. WC covers medical, lost-wage indemnity, and rehab. The brand's separate GL and additional-insured status protect against secondary liability.

Can creators reuse 1099Policy coverage across multiple engagements?

Yes. Per-gig, per-day, and annual options are available. A creator who opts in once can be covered for every engagement that flows through 1099Policy using the same underlying policy structure.

Who is the named insured on the policy?

The creator, always. Their name is on the COI, the carrier holds the policy in their entity, and claims pay out to them. The brand or agency is added as additional insured where required.

Close the coverage gap across your creator roster.

Bind workers' comp and liability for every creator in their own name, sized to each campaign. And retire the manual COI review for good.

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1,200+ brands, agencies, and creator platforms run contractor coverage through 1099Policy.