Contractor Insurance at Enterprise Scale | 1099Policy
Contingent Labor Risk Overview Live
Total Uninsured Vendor Exposure
- $0.00
- 1,284 Active Contractors
- 100% COIs Valid
- 0 Open Audit Gaps
Coverage for Various Roles
- Event Production: 312 Crew COVERED
- Field Installers: 540 COVERED
- Creative Freelancers: 268 COVERED
- Brand Ambassadors: 164 COVERED
Total Uninsured Exposure, Brought to Zero.
Issue per-assignment coverage in each contractor's own name (workers' comp, general liability, media liability, and more) embedded in the tools you already use to manage contract labor. See every contingent worker's status on one ledger, cut co-employment exposure, and replace the EOR markup.
The Exposure
One Uninsured Contractor, Three Years of Audit Risk.
Federal and state agencies keep tightening scrutiny of 1099 labor. The exposure rarely comes from bad intent but from contractors who don't carry their own coverage. Here is the same engagement, before and after.
- $238,000 Single Workers' Comp Audit Penalty
- Audit Context: A field-services company engaged 700-800 contractors across one year without coverage in their own names. At the workers' comp audit, the carrier reclassified that labor as the company's own payroll, with a multi-year look-back.
| Year | Contractors Deployed Uninsured | Audit | Result |
|---|---|---|---|
| 1700-800 | Labor recharged as payroll, 3-year look-back | $238,000 penalty assessed |
Shielded with 1099Policy
- Named Insured: The Contractor
- Per-Assignment COI: Issued & archived
- Audit-Ledger Status: Excluded labor
- Classification Log: Immutable
- Carrier Look-Back: Defensible
- Net Exposure: $0.00
Co-Employment
When an injured contractor has no coverage of their own, workers' comp courts look for a way to anchor the liability back to you, turning a contractor into a statutory employee.
Expertise Gap
Sourcing and production teams are not insurance experts, and the risk department does not have time to map which coverages each vendor role requires. Requirements get guessed or skipped.
Operational Drag
Before every engagement, teams work backward from the start date chasing certificates. Manual COI review is the silent line item nobody budgets for.
The EOR Tax
Converting contractors through an employer of record is the most expensive way to close the coverage gap, typically 20% of pay. A direct, contractor-named insurance line does it for a fraction.
Compliance at Scale
Continuous Audit Defense for Large Contingent-Labor Pools.
Immutable Classification Logging
Every coverage determination and certificate is time-stamped and tamper-evident, so when a carrier opens an annual review you can show exactly who was covered, in whose name, and for which engagement.
- ✓ Time-stamped determinations
- ✓ Tamper-evident records
- ✓ Carrier-review ready
Audit-Ledger Exclusion
Per-assignment COIs in the contractor's name keep that labor out of your payroll exposure from the start, with a multi-year archive that answers a three-year look-back on demand.
- ✓ Contractor labor excluded
- ✓ Multi-year COI archive
- ✓ Look-back answered instantly
Defensive Indemnification
Coverage in the contractor's name plus your additional-insured status forms the shield against anchored claims, preventing an injured contractor's exposure from landing on your balance sheet.
- ✓ Contractor is named insured
- ✓ You added as additional insured
- ✓ Reclassification risk mitigated
How It Binds
Coverage in the Contractor's Name, Not Yours.
- Per-Assignment Contractor Coverage: Active
- Named Insured: The Independent Contractor (You are added as additional insured, never the employer of record.)
Model
- Pay-as-you-go, per assignment: Premiums sized to the job type, wage, and length of each engagement.
Coverage Types
- WC, GL, Professional, Media, Cyber: Tailored to the role, from production crews to ambassadors and field techs.
Coverage Footprint
Statutory WC in 46 states + DC; other lines reach further. WC is the only line limited by monopolistic state funds (ND, OH, WA, WY). GL covers all states but Hawaii; cyber and media extend worldwide.
Integration
Embeds in your existing stack from spreadsheets to a full vendor management system.
Where It Fits
Experiential & Events
Production crews, vendors, and on-site labor covered before load-in, with certificates verified against the run-of-show.
Marketing & Creative
Agencies and brand teams keeping freelance creative, production, and content talent covered per project.
Influencer & Ambassador Programs
Creator and ambassador engagements covered for general, media, and on-site liability, per booking.
Field Technicians & Installers
On-site and break-fix labor where uninsured subcontractors create the largest audit exposure.
Additional Questions
Do 1099 IT or Tech Consultants Need Their Own Coverage?
Increasingly, enterprise procurement and MSAs require consultants to carry E&O, cyber, and workers' comp in their own name before a statement of work can open. There's also a misclassification angle under AB5's ABC test.
How Are Per-Engagement E&O and Cyber Sized?
They're sized to the engagement: contract value, scope, and the data the work touches, rather than a flat 12-month policy.
Does Carrying Coverage Affect the Consultant's 1099 Status?
Not when it's issued to the consultant as the named insured, with the client added as additional insured.
How Does This Hold Up to AB5 and 1099-K Scrutiny?
AB5's ABC test turns on control and whether the consultant runs an independently established business. Coverage in their own name is one supporting signal.
Can We Get Client-Ready COIs on Day One of the SOW?
Yes. E&O, cyber, and WC issue in the consultant's name, with your client added and limits set above the MSA minimum, available via API or dashboard on day one.
Who is the Named Insured on the Policy?
The consultant or their business entity, always. Their name is on the COI and the carrier holds the policy in their name.
Call to Action Section for 1099Policy
Eliminate Uninsured Contractor Exposure Across Every Engagement.
See every contingent worker's coverage status on one ledger, issue contractor-named policies per assignment, and keep audit-ready records without rerouting workers through an EOR.
Built for enterprise sourcing, procurement, production, and risk teams.