Insurance for Live Events Contractors | 1099Policy
Coverage for the independent specialists behind the show, in their own name, so a claim never becomes your lawsuit.
GL, E&O, and WC for production and tour managers, creative directors, designers, photographers, and consultants, issued in their name, per engagement. If they're hurt or named in a claim, their policy responds, not a lawsuit against the show, the venue, or you.
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The classification line
Most live-events crew are employees for the event. We cover the specialists who aren't.
Stagehands, riggers, and AV techs work under the venue's control, usually payroll or IATSE. The independent layer, production leadership and creative specialists, runs a real business, and coverage in their own name keeps that independence defensible and the claim off your books.
Audit reality
WC audits assign uninsured specialists to your policy at the highest rate code.
One missed per-event COI turns their fee into payroll exposure, and we've seen it inflate premium 30%+.
Venue ask
Every venue wants the COI 72 hours before load-in. And it has to name the venue.
Per-event coverage auto-issues with the venue as additional insured before the trucks roll.
Tour routing
Class codes change at every state line. So does the comp rate.
Coverage routes per show date (Monday in PA, Tuesday in NY) into the right code automatically.
Day-of swaps
Half the roster changes the morning of load-in.
Per-event activation closes in minutes, covering the swap before the call sheet reprints.
No coverage bottleneck
Your whole roster stays bookable — no one sidelined for a missing COI.
Per-engagement coverage rides with each specialist, so any name on your list is show-ready. No coverage gap means no date goes unstaffed.
Built for the producer's workflow
Four capabilities that match how an engagement actually books.
What the producer, the venue, and the specialist all need before the run starts: coverage in the contractor's name, issued per engagement.
POST /v1/assignments
1"contractor":"cn_Vn7KRd9Qa",
2"job":"jb_prodMgr7",
3"work_state":"TX"
● 200policy: po_Sm9RKd$1.40 / $100
Bind GL, E&O, and WC the moment a specialist is booked.
When you book a specialist, your booking system calls our Assignments API with the contractor, role, dates, and jurisdiction. We return a per-engagement rate, bind in the contractor's name, and the COI issues before load-in. No payroll cycle, no annual estimate.
Per-engagement premiumActive
Policy IDpo_Sm9R4n2
Engagements3
Earned per run$4,200
Rate per $100$1.40
Premium due$176.40
Priced per engagement, so it never lands on your annual policy or your audit.
Each specialist's premium meters per engagement, in their own name, with per-state routing applied automatically. No annual estimate, no year-end true-up, and these contractors stay off your WC payroll.
General liability
Additional insured
Insured
Devon Sloane
Each occurrence$1,000,000
Damage to premises$100,000
General aggregate$2,000,000
Coverage in the contractor's name. Venue and producer named on the COI.
GL, E&O, and WC issue in the specialist's own name; the venue and producer are added as additional insured per engagement. So an on-site injury is their claim against their own policy, not a suit against the show.
my.1099policy.com/devon-sloane
Devon Sloane
Production Manager
Your venue ops verify coverage with a QR scan at the dock.
Every covered specialist carries a my.1099policy.com proof-of-insurance page with a QR code. Venue ops scans it on arrival: coverage confirmed in the contractor's name, no broker in the loop, no certificate chase.
Which live-events roles can stay 1099?
Usually the independent production-leadership and creative specialist layer: production managers, tour managers, creative directors, designers, photographers, consultants, and vendors who control how they deliver the work.
Do independent event specialists need workers' comp?
Often, yes. Venues, agencies, and brand clients may require proof of workers' comp before a specialist can step onto the show site.
How do per-engagement GL and E&O work for a show?
Coverage can bind around the engagement window and certificate requirements: dates, venue, client, role, and additional-insured language.
Can the venue or brand be added to the COI?
Yes. The independent specialist remains the named insured, and the venue, producer, agency, or brand client can be added where the contract requires it.
What happens when a tour crosses state lines?
Coverage should follow where the work is performed. 1099Policy stores the record by engagement so audit questions do not land in a spreadsheet scramble.
Who is the named insured on the policy?
The independent specialist or their business entity is the named insured. The producer, agency, venue, or brand can be attached as required.
Cover the show's independent specialists, in their own name.
GL, E&O, and WC for production leadership, designers, and creative vendors, per engagement. If they're hurt or named in a claim, their policy responds, not a suit against you. COIs the venue can pull, additional-insured in seconds.
Built for the independent production-leadership and creative layer of touring, festivals, and experiential.