Insure any contractor with a single API call.

Embed per-assignment workers' comp, general liability, and more into your onboarding flow. A contractor opts in once; coverage binds in their own name in milliseconds, and an audit-ready certificate returns to your stack. The payoff: you clear procurement at bigger enterprise accounts and put contractors to work on jobs they couldn't take before.

Read the API docs → Talk to sales

const quote = await ten99policy.quotes.create({
  job: "jb_1192Rd",
  contractor: "cn_8Fa2Kd9Qa",
  coverage_type: ["workers-comp", "general"],
})

Certificate of Insurance

WC-TX-77F2 - NAMED INSURED: CONTRACTOR

Insured Independent contractor

Workers' comp Active
General liability Active
Returned via webhook - audit-ready COI stored

Stalled deals

Enterprise deals stall on one question: Are your contractors insured?

Large buyers route work only to platforms whose contractors carry their own coverage. Without it, your best contractors never clear procurement, and the deal goes to a competitor who can say yes.

Balance-sheet risk

Uninsured contractors leave your platform holding the bag.

When an indemnification clause meets an uninsured worker's claim, the exposure lands on you. Operators tell us that getting this liability off their balance sheet is exactly why they move to embed coverage directly.

Live classification

A 1099 check that clears before deployment.

Coverage in the contractor's name signals genuine independence, and it is checked right inside onboarding, not chased down after the fact.

1099 classification check - cleared 0.2s

Operational drag

Manual COI review is a tax on every booking.

Certificates of insurance are a foreign language to the ops teams reading thousands a year. Auto-verify, auto-store, and get your team out of the insurance-broker business.

Unlocked talent

Contractors who were ineligible become placeable.

Enterprise buyers require coverage, so contractors without it cannot be placed on that work. Let them opt into coverage in their own name and your eligible talent pool expands.

A single-day workers' comp policy can bind for about $6, in under 500 milliseconds. No manual process can match that price or speed, which is why coverage belongs inside your platform, binding automatically on every assignment instead of waiting in a paperwork queue.

Why embedded, API-bound coverage wins

Triggered by assignment state

The system listens for the events you already emit (onboarding, opt-in, assignment created) and binds coverage on the state change, in the contractor's name, with no human in the loop.

• ✓ Binds on opt-in event
• ✓ Contractor is the named insured
• ✓ Evidence returned in milliseconds

Tied to the timesheet window

Coverage windows are scoped to the assignment dates and duration you pass in (per-gig, per-day, or the length of the engagement) and priced to the job type and wage.

• ✓ Windows match assignment dates
• ✓ Priced to job type, wage and duration
• ✓ Per-gig, per-day, or annual

Tracked without intervention

Every bind fires a webhook and writes an audit-ready COI to the archive. Compliance tracking happens automatically, so no one chases certificates over email.

• ✓ Webhook events for every bind
• ✓ Audit-ready COI archive
• ✓ CSV quickstart, full API when ready

ICPER-ASSIGNMENT CONTRACTOR COVERAGE

ACTIVE
Insured
Independent contractor (named)
Not the platform. Not the enterprise client. The contractor.

Coverage footprint

Statutory WC in 46 states + DC
Excludes monopolistic state funds: ND, OH, WA, WY.

Pricing

Per assignment, by job type and wage
Sized to each engagement, with no annual minimums on the contractor.

Also available

Professional liability, media liability, cyber
Surface the coverages that fit each engagement type.

Binding speed

Milliseconds after opt-in
Evidence of coverage returned to your stack via API + webhook.

Logistics & delivery

Dispatch, last-mile, and same-day delivery networks keeping drivers and couriers covered per route.

Healthcare & clinical

Per-shift coverage for nurses, clinicians, and allied-health professionals sourced through your platform.

Creative & freelance

Freelance-management and contingent-workforce platforms placing creative, tech, and project talent.

Field services & staffing

Break-fix, installation, and field-tech dispatch where uninsured subs are the biggest audit exposure.

Call to action section for 1099Policy

Bring a few assignments. We'll bind them live.

Watch coverage bind and certificates issue in real time, using real assignments from your platform.

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